Build the Stack | Annual Cost by Use Case
Same Books. Two Layers. Four Tools.
All-in annual cost for each app, calculated for five common use cases. The accounting layer is one column with three options. The treasury layer is its own column. Yahoo Finance runs in parallel for any operator with market-priced assets.
Use Case Quicken
B&PAccounting		 QuickBooks
PlusAccounting		 Xero
GrowingAccounting		 Yahoo
FinanceTreasury
Solo LLC, US banks onlyService-based, no employees, no inventory, CPA at year end $96Cheapest fit $1,380Overkill $540ERP for one freeRealtime layer
Family office, multiple usersSpouse plus bookkeeper, mixed business and personal N/ASingle user only $1,3805 user cap $540Unlimited users freeRealtime layer
3-person service firm with payrollThree W-2 employees, project billing, outside CPA N/ANo payroll, single user $2,400Native payroll $1,560Plus Gusto add-on freeRealtime layer
Product seller with inventoryShopify or wholesale, COGS tracking, 1-warehouse N/ANo inventory $1,380Native inventory $1,020Established tier freeRealtime layer
International billingMulti-currency invoices and vendor payments N/AUS/Canada only $1,380Add-on required $1,020Native multi-currency freeFX in realtime
Sources: Quicken, QuickBooks, Xero, and Yahoo Finance pricing pages, verified April 2026. Yahoo Finance runs in parallel to whichever accounting tool fits best, not as a substitute.
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