Payroll software
Payroll
Payroll
⭐ Editors’ pick
Gusto
Best for 1–50 employees. Full payroll, HR, and benefits in one clean interface.
Starting price: $46/mo + $6/employee
- Full payroll and tax filing
- HR, benefits, and time tracking
- W-2 and 1099 filing included
- Self-serve onboarding
Payroll
Enterprise
ADP RUN
Best for 25–500 employees. Tax compliance, HR add-ons, dedicated support.
Starting price: Custom pricing
- Tax compliance and filing
- HR tools and add-ons
- 200+ integrations
- Dedicated support
Payroll
Enterprise
Paychex Flex
Best for 10–200 employees. Compliance tools, dedicated rep, benefits admin.
Starting price: Custom pricing
- Compliance and HR tools
- Dedicated account rep
- Benefits administration
- Time and attendance
Payroll
💰 Best value
OnPay
Best for 1–25 employees. Flat pricing, no upsells, unlimited payroll runs.
Starting price: $40/mo + $6/employee
- Unlimited payroll runs
- Multi-state payroll
- No upsells or add-on fees
- Free data migration
Payroll
💰 Budget pick
Patriot Payroll
Best for budget-conscious small businesses. Simple UI, US-based support, basic payroll done right.
Starting price: $17/mo + $4/employee
- Basic and full-service options
- Simple interface
- US-based customer support
- Affordable for very small teams
Bookkeeping services
Bookkeeping
Bookkeeping
⭐ Editors’ pick
Collective
Best for solo founders and single-member LLCs. Bookkeeping, taxes, payroll, and S-corp formation.
Starting price: $299/mo
- Monthly bookkeeping included
- Tax prep and filing
- S-corp formation support
- Dedicated advisor
Bookkeeping
Best for growth
Pilot
Best for startups with investors. Dedicated finance team, accrual accounting, CFO services.
Starting price: $499/mo
- Dedicated finance team
- Accrual accounting
- CFO services available
- Tax preparation
Bookkeeping
💰 Best value
Uplinq
Best value AI-assisted bookkeeping for businesses under $1M in revenue.
Starting price: $125/mo
- AI-assisted categorization
- Real-time books
- Tax-ready reports
- Simple interface
Bookkeeping
Simple setup
Bench
Simple monthly bookkeeping with a dedicated bookkeeper. Easy to get started.
Starting price: $299/mo
- Dedicated bookkeeper
- Clean mobile app
- Catch-up bookkeeping
- Easy onboarding
Business banking
Banking
Banking
⭐ Editors’ pick
Mercury
Best overall business bank for startups and SMBs. No fees, 100+ integrations.
Starting price: Free
- No monthly fees
- FDIC insured
- 100+ integrations
- Team controls and virtual cards
Banking
Best for teams
Relay
Best for teams with spending controls. Up to 20 checking accounts and virtual cards.
Starting price: Free (Pro: $30/mo)
- Up to 20 checking accounts
- Virtual and physical cards
- Team expense management
- Role-based permissions
Banking
Best for yield
Bluevine
Best for businesses that want a high-yield savings rate on operating cash.
Starting price: Free
- 1.5%+ APY on deposits
- Unlimited transactions
- No minimum balance
- Business line of credit available
Banking
Simple setup
Novo
Best for freelancers and solo operators. Mobile-first, no fees, integrates with Stripe and Shopify.
Starting price: Free
- No monthly fees
- Mobile-first design
- Stripe and Shopify integrations
- QuickBooks sync
Corporate cards
Cards
Cards
⭐ Editors’ pick
Ramp
Best overall corporate card. Automated expense management, real-time spend controls, cashback.
Starting price: Free
- 1.5% cashback
- Real-time spend controls
- Receipt matching
- Accounting sync
Cards
Best for startups
Brex
Best for startups and high-growth teams. High limits, no personal guarantee, AI finance tools.
Starting price: Free (Premium: $12/user/mo)
- High credit limits
- No personal guarantee
- Travel and dining rewards
- AI-powered finance tools
Cards
Best for control
BILL Divvy
Best for businesses that want granular budget controls and flexible credit terms.
Starting price: Free
- Virtual and physical cards
- Per-team budget controls
- Weekly/monthly credit cycles
- Real-time visibility
Cards
Traditional option
Chase Ink Business Cash
Best traditional credit card option. $750 welcome bonus, 5% cash back on office and internet spend.
Starting price: No annual fee
- $750 cash back welcome bonus
- 5% back on office/internet
- 0% intro APR available
- Works for personal credit
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