BuckLoad compared
What BuckLoad does, what it doesn't, and what the others charge. We kept the rows where BuckLoad loses, too. Prices are US list prices as of October 2026; check each company's site before you decide.
For a small business
| Feature | BuckLoad | QuickBooks Online | Wave | FreshBooks |
|---|---|---|---|---|
| Price | Free | $38/mo and up (free plan: 2 invoices a month) | Free, or Pro $19/mo | $23/mo and up (5 clients on Lite) |
| Extra people | Free: staff (who never see your profit) and your accountant | 1 user on $38 plan; 3 on $85 | Pro plan only | $11/mo each |
| Profit on every sale after card fee and cost | Yes | No | No | No |
| Stock counts | Yes | Plus plan, $140/mo | No | No |
| Cash drawer count | Yes | No | No | No |
| Invoices: viewed, reminders, repeating | Yes | Yes | Reminders on Pro only | Yes |
| Customers pay invoices online | Yes, through your own Stripe account: 2.9% + 30¢ card, no BuckLoad cut | Yes, 2.99% card | Yes, 2.9% + 60¢ card | Yes, 2.9% + 30¢ card |
| Receipt photo reading | Yes | Yes | Paid add-on | Yes |
| Mileage log | Yes | Yes, automatic by GPS | No | Yes |
| Automatic bank connection | No (import your bank's file) | Yes | Pro plan only | Yes |
| Full double-entry accounting (reconciliation, general ledger) | No (a simple balance sheet and cash forecast) | Yes | Yes | Yes |
| Payroll | No | Add-on | Add-on | Add-on |
| App store phone app | No (installs from the browser) | Yes | Yes | Yes |
| Your own budget in the same login | Yes | No | No | No |
Sources: QuickBooks pricing, QuickBooks payment rates, Wave pricing, FreshBooks pricing, and reviews by NerdWallet and Forbes Advisor. Read more: BuckLoad as a QuickBooks alternative · as a Wave alternative.
Who should pick something else
If you need payroll, a lender-ready balance sheet, bills to pay on schedule, or your bank connected automatically, a full accounting product like QuickBooks or Xero fits better today. If your work is mostly proposals, contracts and booking clients, HoneyBook is built for that. BuckLoad is for shops, trucks, salons and service businesses that want to see what they keep on every sale without learning accounting.
For your own money
| Feature | BuckLoad | Monarch | YNAB | Rocket Money |
|---|---|---|---|---|
| Price | Free | $99.99/yr | $109/yr | Free (limited); Premium $7–$14/mo |
| Bills on a calendar with reminders | Yes | Yes | Yes | Yes |
| Budgets that carry over | Yes | Yes | Yes | — |
| Balance forecast with "what if" | Yes, 30 to 90 days | Advanced forecasting on Plus | No | — |
| Partner with their own login | Yes, free | Yes | Yes, up to 6 people | — |
| Automatic bank connection | No (import your bank's file) | Yes | Yes | Yes |
| Investments and credit score | No | Yes | No | Credit score, Premium for full report |
| App store phone app | No (installs from the browser) | Yes | Yes | Yes |
| Business books in the same login | Yes | Plus plan | No | No |
A dash means we couldn't confirm it either way. Sources: Monarch pricing, YNAB pricing, Rocket Money Premium. Coming from Mint? Read this.