IntuBu pricing and feature comparison

Five plans from free to $249 a month, every one with unlimited users. Payroll from $25/month + $4 per employee. 130 features compared side by side with 9 other products.

Plans

Free — Free. Unlimited users. ≤$50K revenue or 25 invoices/mo · 1 entity · AI Suggest only
Core — $19/month ($190/year). Unlimited users. Everything in the accounting core · 1 entity
Growth — $49/month ($490/year). Unlimited users. + advanced inventory, sales orders, subscriptions, vendor portal, multi-currency, custom reports, approvals
Scale — $89/month ($890/year). Unlimited users. + multi-entity & consolidation, revenue recognition, serial/lot + bins, custom dimensions, Autopilot L3, audit mode
Enterprise — $249/month ($2490/year). Unlimited users. + unlimited entities, warehouse, white-label, dedicated CSM

Payroll add-on: $25 per month plus $4 per employee.

Feature comparison

Core accounting

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Double-entry general ledger	yes	yes	yes	limited	yes	yes	yes	yes	yes	yes
Unlimited users at no extra cost	yes	no	yes	no	no	yes	no	yes	no	higher tier
Class / location tracking	yes	higher tier	yes	no	higher tier	no	yes	yes	yes	higher tier
Custom fields	yes	higher tier	limited	no	yes	no	yes	yes	yes	no
Multi-currency with automatic revaluation	yes	higher tier	yes	limited	yes	no	addon	yes	yes	no
Period close with lock and logged override reason	yes	yes	yes	no	yes	no	yes	yes	yes	yes
Immutable audit trail on every change	yes	yes	yes	limited	yes	no	yes	yes	yes	yes
Granular role-based permissions	yes	higher tier	limited	limited	yes	no	yes	yes	yes	yes
File attachments on any transaction	yes	yes	yes	yes	yes	limited	limited	yes	yes	limited

Import & export

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
CSV import for income and expenses	yes	limited	limited	no	yes	no	limited	yes	limited	yes
Automatic column matching with confidence scores	yes	no	no	no	limited	no	no	no	limited	no
Saved import formats that re-map a file automatically	yes	no	limited	no	yes	no	no	yes	limited	no
Import preview with per-row errors before committing	yes	limited	limited	no	limited	no	no	yes	limited	no
One-click undo of a whole import	yes	no	no	no	no	no	no	no	limited	no
CSV export on every list and every report	yes	limited	limited	limited	yes	limited	limited	yes	yes	yes
Saved export layouts with chosen columns and order	yes	no	no	no	limited	no	limited	yes	limited	no
Export to PDF, Excel, Word and PowerPoint	yes	limited	limited	limited	limited	limited	limited	limited	yes	limited

Cash & accrual

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Cash and accrual as columns on any basis-aware report	yes	no	no	no	no	no	no	no	yes	yes
Cash and accrual basis on every financial report	yes	yes	yes	limited	yes	limited	yes	yes	yes	yes
Cash vs accrual side-by-side comparison report	yes	no	no	no	no	no	no	no	yes	yes
Reconciliation walk explaining the basis difference	yes	no	no	no	no	no	no	no	yes	limited

Reporting

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Charts embedded in a report, above or below the figures	yes	limited	limited	no	limited	no	no	yes	limited	limited
Custom report builder	yes	higher tier	yes	no	higher tier	no	limited	yes	yes	limited
Budget vs actual variance reporting	yes	yes	yes	no	yes	no	yes	yes	limited	limited
Consolidated multi-entity reporting	higher tier	no	no	no	no	no	no	yes	yes	yes

Projects

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Split one cost across several projects	yes	limited	no	no	limited	no	limited	yes	limited	no
Cost codes on every document line	yes	no	no	no	no	no	limited	yes	limited	no
Project profitability with labor cost	yes	higher tier	addon	limited	yes	no	limited	yes	limited	limited
Time tracking that bills straight to an invoice	yes	higher tier	addon	yes	yes	no	addon	yes	no	no
Billable expenses with markup	yes	higher tier	yes	yes	yes	no	limited	yes	limited	no

Workspaces

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Workspace switcher partitioning the product by role	yes	no	no	no	no	no	no	limited	limited	no
Workspace access evaluated before every route, export and AI answer	yes	no	no	no	no	no	no	limited	limited	no
Cross-scope grants for financial detail outside the books	yes	no	no	no	no	no	no	limited	no	no

CRM

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Pipeline with weighted forecast and stage probabilities	yes	no	no	no	limited	no	no	yes	limited	no
Stage gates requiring fields before a deal may advance	yes	no	no	no	no	no	no	limited	no	no
Financially-aware customer 360	yes	no	no	no	limited	no	no	yes	no	no
Support cases with severity-driven SLA timers	yes	no	no	no	limited	no	no	yes	no	no
Lead conversion into account, contact and opportunity	yes	no	no	no	yes	no	no	yes	no	no
Opportunity converts to a quote or invoice without re-keying	yes	no	no	no	yes	no	no	yes	limited	no

AI employees

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Named AI roster with per-role competence boundaries	yes	no	no	no	no	no	no	no	limited	limited
Every AI action is an auditable task with plan and approval	yes	no	no	no	no	no	no	no	yes	yes
Graduated trust levels with materiality caps	yes	no	no	no	no	no	no	no	limited	limited
Preflight guardrails logged including passes	yes	no	no	no	no	no	no	no	limited	limited
Vendor bank-change payment block	yes	limited	no	no	no	no	no	limited	yes	no
Rollback of an AI action as a reversing entry	yes	no	no	no	no	no	no	no	limited	limited
Irreversible work never auto-approved and never faked	yes	no	no	no	no	no	no	no	limited	yes
Ask your business across accounting, CRM and marketing	yes	limited	no	no	no	no	no	limited	no	no

Marketing

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Campaigns with return read from won CRM revenue	yes	no	no	no	limited	no	no	no	no	no
Segment builder over CRM and financial signals	yes	no	no	no	limited	no	no	no	no	no
Global suppression enforced on every send path	yes	no	no	no	limited	no	no	no	no	no
Deterministic content quality gate before approval	yes	no	no	no	no	no	no	no	yes	no
Shared brand kit across templates, content and invoices	yes	no	no	no	limited	no	no	no	no	no

Integration

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
CRM account linked to the accounting customer	yes	no	no	no	yes	no	no	yes	no	no
Cross-module summary reconciling pipeline to billing	yes	no	no	no	no	no	no	limited	yes	no
Integrity check finding drift between modules	yes	no	no	no	no	no	no	no	limited	no

Sales & billing

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Estimates / quotes that convert to invoices	yes	yes	yes	yes	yes	yes	yes	yes	limited	no
Progress invoicing against an estimate	yes	higher tier	limited	no	yes	no	limited	yes	limited	no
Recurring invoices with auto-send and auto-charge	yes	higher tier	yes	yes	yes	yes	limited	yes	limited	limited
Sales orders with backorder tracking	yes	no	no	no	yes	no	yes	yes	limited	no
Credit memos and vendor credits	yes	yes	yes	limited	yes	limited	yes	yes	yes	limited
Customer statements and statement runs	yes	yes	yes	limited	yes	no	yes	yes	yes	no
Customer portal with online payment	yes	yes	yes	yes	yes	yes	addon	yes	limited	limited
Customer-specific price levels and rate cards	yes	higher tier	limited	no	yes	no	yes	yes	limited	no
Revenue recognition schedules (deferred revenue)	yes	no	no	no	limited	no	no	yes	yes	yes

Banking

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Bank reconciliation with discrepancy report	yes	yes	yes	limited	yes	yes	yes	yes	yes	yes
Receipt capture with line-level extraction	yes	yes	yes	yes	yes	limited	addon	addon	limited	limited
Bank feeds & rules	yes	yes	yes	yes	yes	yes	addon	no	yes	yes
Multi-aggregator failover	no	no	no	no	no	no	no	no	limited	limited
Statement vault & auditor package	yes	no	no	no	no	no	no	no	yes	limited

Offline

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
True offline desktop with sync review	no	no	no	no	no	no	limited	no	limited	no

Inventory

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
FIFO cost layers	yes	yes	limited	no	yes	no	yes	yes	no	no
Serial / lot tracking	higher tier	higher tier	no	no	higher tier	no	yes	yes	no	no
Landed cost capitalisation	yes	no	no	no	no	no	limited	yes	yes	no
Bundles that relieve component stock	yes	limited	no	no	yes	no	yes	yes	no	no
RMA / returns with disposition	yes	no	no	no	no	no	limited	yes	no	no
Bills of material and work orders	higher tier	no	no	no	limited	no	limited	addon	no	no
Units of measure conversion	higher tier	no	no	no	limited	no	limited	yes	no	no

Payroll

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Native payroll with filings	addon	addon	addon	addon	limited	addon	addon	no	no	no

Intelligence

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Anomaly detection & AI categorization	yes	limited	limited	no	limited	no	no	limited	yes	yes
Industry benchmarking	yes	limited	no	no	no	no	no	no	limited	no
Burn rate, runway and ARR maintained continuously	yes	no	no	no	no	no	no	limited	yes	yes

Migration

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Guided migration from 23 systems	yes	limited	limited	limited	limited	limited	no	no	limited	limited

Accountants

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Free accountant / firm edition	yes	yes	yes	yes	yes	no	limited	no	limited	limited

GL automation

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Recurring journal entries	yes	higher tier	yes	no	yes	no	yes	yes	yes	yes
Automatic reversing entries	yes	no	yes	no	limited	no	yes	yes	limited	limited
Prepaid expense amortization schedules	yes	no	no	no	no	no	no	yes	limited	yes
Cost allocations across dimensions	yes	no	no	no	no	no	no	yes	yes	limited
Statistical accounts as allocation drivers	yes	no	no	no	no	no	no	yes	limited	no

Fixed assets

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
MACRS tax depreciation	yes	no	no	no	no	no	addon	yes	limited	limited
Six depreciation methods incl. units of production	yes	limited	limited	no	limited	no	addon	yes	limited	limited
Multi-book (GAAP and tax in parallel)	yes	no	no	no	no	no	no	yes	limited	no
Book/tax difference schedule	yes	no	no	no	no	no	no	yes	limited	no

Multi-entity

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Multiple companies on one login	yes	limited	yes	no	yes	yes	limited	yes	yes	yes
Intercompany due-to / due-from	yes	no	no	no	no	no	no	yes	yes	limited
Consolidation eliminations	yes	no	no	no	no	no	no	yes	yes	limited

Collections

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Prioritized collections worklist	yes	no	no	no	limited	no	no	yes	yes	no
Credit limits and credit holds	yes	no	no	no	limited	no	yes	yes	yes	no
Promise-to-pay tracking	yes	no	no	no	no	no	no	limited	yes	no
Invoice dispute management	yes	no	no	no	no	no	no	limited	yes	no
Bad-debt write-off distinct from void	yes	yes	yes	limited	yes	limited	yes	yes	yes	limited
Cash application suggestions with confidence	yes	limited	limited	no	limited	no	no	limited	yes	yes

Purchasing

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Purchase requisitions with approval	yes	no	no	no	limited	no	no	yes	yes	no
Three-way match (PO / receipt / bill)	yes	no	no	no	limited	no	limited	yes	limited	no
Multi-step bill approval workflow	yes	higher tier	limited	no	yes	no	no	yes	yes	limited

Planning

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Budget scenarios (base / best / worst)	yes	no	no	no	no	no	no	yes	limited	no
Rolling forecast that re-bases on actuals	yes	limited	addon	no	no	no	no	limited	limited	limited
Cash-flow planner	yes	higher tier	addon	no	limited	no	no	yes	limited	limited

Taxes

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
US sales tax with nexus tracking	yes	yes	limited	limited	yes	limited	addon	addon	limited	no
VAT / GST with input tax reclaim	yes	yes	yes	limited	yes	limited	yes	yes	limited	no
Quarterly estimated tax calculator	yes	limited	no	no	no	no	no	no	limited	no
1099 preparation and e-file	limited	yes	limited	limited	yes	limited	limited	yes	limited	limited

Platform

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Public REST API with scoped keys	yes	yes	yes	yes	yes	limited	limited	yes	yes	yes
Outbound webhooks with retry and signing	yes	yes	yes	limited	yes	no	no	yes	yes	limited
Two-factor authentication	yes	yes	yes	yes	yes	yes	limited	yes	limited	limited
SAML single sign-on	no	higher tier	no	no	higher tier	no	no	yes	limited	higher tier
Scheduled report email delivery	yes	yes	yes	no	yes	no	limited	yes	limited	limited
Spreadsheet sync / flat export	yes	higher tier	limited	limited	limited	limited	limited	yes	limited	yes
MCP server so an AI assistant can query the ledger directly	no	no	no	no	no	no	no	no	no	yes

Industry editions

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Construction: retainage and AIA billing	yes	no	no	no	limited	no	no	addon	no	no
Construction: WIP / over-under billing	yes	no	no	no	no	no	no	addon	no	no
Legal: trust / IOLTA three-way reconciliation	yes	no	no	no	no	no	no	no	yes	no
Nonprofit: fund accounting and Form 990 matrix	yes	limited	no	no	no	no	no	no	no	no
Retail: daily sales summary and gift cards	yes	no	no	no	no	no	no	addon	no	no

Continuous bookkeeping

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
Unified work queue with close-readiness score	yes	no	no	no	no	no	no	no	limited	limited
Evidence trail behind every automated posting	yes	no	no	no	no	no	no	limited	limited	yes
Editable, visible AI memory	yes	no	no	no	no	no	no	no	limited	limited
Published AI accuracy and calibration metrics	yes	no	no	no	no	no	no	no	limited	limited
Catch-up engine for backlogged books	yes	no	no	no	no	no	no	no	limited	limited

Support

Feature	IntuBu	QuickBooks Online	Xero	FreshBooks	Zoho Books	Wave	Sage 50	Acumatica	Rillet	Puzzle
In-app help centre covering every feature	yes	yes	yes	yes	yes	limited	yes	yes	limited	yes
Assistant that answers only from documentation, with citations	yes	limited	limited	no	limited	no	no	no	limited	limited