Comparison
AllMy Ledger vs QuickBooks Online
QuickBooks Online costs $35+ per month and requires a constant internet connection. AllMy Ledger is a one-time purchase ($149 through April 30, then $199), works offline, and keeps your data on your computer.
The real cost over 3 years
AllMy Ledger
$149 $199
Software only — works forever
Year 1: $149$199
Year 2: $0 (or $49 for optional support)
Year 3: $0 (or $49 for optional support)
QuickBooks Online
$1,260
Simple Start at $35/month
Year 1: $420
Year 2: $420
Year 3: $420
That's $1,111$1,061 saved over 3 years. The optional Service Contract ($49/yr) adds updates and email support if you want them — skip it and the software still works forever.
QBO pricing based on Simple Start at $35/month. Essentials ($65/mo) and Plus ($99/mo) tiers cost even more. QBO raised prices on all tiers in 2025.
Feature comparison
| AllMy Ledger | QB Online | |
|---|---|---|
| Pricing | $149 once $199 once | $35-235/month |
| 3-year cost | $149 $199 (or $247$297 with optional support) | $1,260-$8,460 |
| Works offline | ✓ | ✗ |
| Data on your computer | ✓ | ✗ |
| No subscription needed | ✓ | ✗ |
| Platform | ||
| Desktop app | ✓ | Web only |
| Windows, Mac, Linux | ✓ | Web |
| Mobile app | ✗ | ✓ |
| Accounting | ||
| Double-entry bookkeeping | ✓ | ✓ |
| Cash + accrual toggle | ✓ | ✓ |
| Simple Mode (plain language) | ✓ | ✗ |
| Invoicing | ✓ | ✓ |
| Estimates & quotes | ✓ | ✓ |
| Convert estimate to invoice | ✓ | ✓ |
| Credit memos & vendor credits | ✓ | ✓ |
| Email invoices from app | ✓ | ✓ |
| Multi-currency | ✓ | ✓ |
| Recurring transactions | ✓ | ✓ |
| Recurring price escalation | ✓ | ✗ |
| Bank reconciliation | ✓ | ✓ |
| Split transactions | ✓ | ✓ |
| 1099 contractor tracking | ✓ | ✓ |
| W-9/W-8 form management | ✓ | ✗ |
| Schedule C tax report | ✓ | Partial |
| Cash flow statement | ✓ | ✓ |
| Customer statements | ✓ | ✓ |
| File attachments | ✓ | ✓ |
| Auto-backup | ✓ | Cloud |
| Migration | ||
| Import from QB Desktop | ✓ | ✓ |
| Import from QB Online | ✓ | N/A |
Why choose AllMy Ledger over QBO
Save $1,100+ over 3 years
$149$199 once vs $35+/month. No annual renewals, no price hikes. QBO raised prices on every tier in 2025. AllMy Ledger will not.
Works without internet
QBO requires a constant internet connection. AllMy Ledger runs entirely on your computer. You can work from anywhere, even offline.
Your data, your computer
With QBO, your accounting data lives on Intuit's servers. With AllMy Ledger, it lives on your computer in a local file you control.
No surprise price hikes
QBO has raised prices multiple times. Once you buy AllMy Ledger, the price you paid is the price. Forever. The optional service contract is $49/year, or skip it entirely.
Simple Mode
QBO uses accounting terminology everywhere. AllMy Ledger's Simple Mode uses plain language like "Money In" instead of "Accounts Receivable." Switch to Accountant Mode when you need it.
Easy migration
Export your QBO data and import it into AllMy Ledger with the built-in QBO migration wizard. Accounts, contacts, and transactions come over.
When QBO is the better fit
QBO makes sense if you need one of these specific things:
Direct bank feeds: QBO connects to your bank and auto-downloads transactions. AllMy imports OFX/QFX files manually.
Mobile access: You need to work on your phone or tablet. AllMy is desktop-only.
Payroll: You have employees on payroll. AllMy doesn't do payroll (use Gusto alongside instead).
Inventory tracking: You sell physical products with stock levels. AllMy has basic item tracking only.
Multi-user collaboration: Multiple people need to work in the same books simultaneously. AllMy is single-user.
Online payments: QBO lets customers pay invoices online via credit card or bank transfer. AllMy records payments manually.
If none of those are must-haves, AllMy Ledger saves you $1,100+ over 3 years.
Stop paying monthly for your accounting
$149 through April 30, then $199.$199 once. All features. No subscription. Try it free first.
7-day trial · No credit card · Windows, macOS & Linux