Kick Accounting Pricing and Kick Bookkeeping Alternatives for Teams That Keep QuickBooks or Xero
Kick calls itself an agentic ledger, and that word matters more than any price on its page. It is not an add-on for QuickBooks or Xero. You connect your bank through Plaid, or Stripe, PayPal, Mercury, Ramp, Gusto and BILL directly, and Kick keeps the books itself: real-time categorization with rules and suggested rules, receipt and document matching, a cash or accrual ledger, journal entries, classes, invoicing with card and ACH payments, AR matching, payroll splits from Gusto, a monthly close task list, bank and card reconciliation, and a year-end tax package for your CPA. One of the testimonials on its homepage says it plainly: the customer was able to immediately replace QBO. So the first question is whether your books are moving. The pricing itself is published and easy to read. Free covers one entity and 250 transactions a year, which a working business outgrows in weeks, and reconciliation is not in it. Basic is $40 a month, billed as $480 for the year. Plus is $100 a month billed $300 a quarter and adds unlimited entities, classes, AR and AP automation and the accrual ledger, with each new entity free for its first 250 transactions a year and then $50 a month. Advanced is $300 a month, billed monthly, for consolidation, ownership mapping, eliminations and dedicated onboarding, and it is the one plan that opens with Book a call. Firms get separate per-client pricing of $20, $50 and $150. If you are a founder or a small firm happy to move your books onto a newer ledger, Kick is a fair price for what it does. If QuickBooks Online, Xero or NetSuite is staying, because your CPA, your payroll or your lender expects it, Reconciler is the narrower tool. It connects the ledger read-only, matches bank, card and payout lines against it and explains every pair.
Read-only · Never moves money
In short
Kick (kick.co) is AI bookkeeping software that runs as its own general ledger, so it replaces QuickBooks or Xero rather than connecting to them. Read on October 8, 2026, Kick publishes four plans: Free at $0 for one entity and 250 categorized transactions a year, Basic at $40 a month billed annually ($480 a year) with reconciliation, Plus at $100 a month billed quarterly for unlimited entities and accrual books, and Advanced at $300 a month billed monthly with consolidation. Accounting firms pay $20, $50 or $150 per client. If your books are staying in QuickBooks Online, Xero or NetSuite, Reconciler reconciles against them read-only from $89 a month billed yearly.
Side by side
Reconciler vs Kick
| Capability | Reconciler | Kick |
|---|---|---|
| Publishes a price you can read today | Every plan, on the pricing page | Yes, Free $0, Basic $40, Plus $100 and Advanced $300 a month |
| Self-serve signup, no sales call | Yes on Free, Basic and Plus; Advanced opens with Book a call | |
| Try before you pay | Run matching on a sample first | Free plan, one entity and 250 categorized transactions a year, no reconciliation |
| Lowest price that includes reconciliation | $29 per month billed yearly, bank and one processor | Basic, $40 a month billed annually ($480 a year) |
| Price with a general ledger connected | $89 per month billed yearly, $179 month to month | Not applicable, Kick is the ledger |
| Keeps your existing QuickBooks Online, Xero or NetSuite | ||
| Posts entries into a ledger | No, read-only by design | Yes, into its own cash or accrual ledger |
| Transaction categorization and rules | Yes, real-time categorization, multi-condition rules and suggested rules | |
| Bank and card reconciliation | Yes, assisted transaction-level reconciliation inside its own ledger, from Basic | |
| Bank connections | Mercury and Brex direct, any other bank or card as a CSV | Plaid for 10,000+ bank and card accounts, plus Mercury and Ramp direct and a PDF or CSV statement importer |
| Stripe, PayPal and Square payouts tied to bank deposits | Connected read-only and matched to the deposit and the ledger | Stripe and PayPal connect directly and sync as splits with fees; Square not named on the pages read |
| Explains in plain English why each pair matched | Not stated on the pages read | |
| Several entities | Several entities on Scale with exceptions in one view, no consolidation | Unlimited entities from Plus, each new one $50 a month after 250 transactions a year |
| Consolidation and intercompany eliminations | Yes, on Advanced at $300 a month | |
| Invoicing and bill pay | Yes, invoices with card and ACH payments and no extra Kick fee | |
| Pricing for accounting firms | The same published plans, one workspace per client | $20, $50 or $150 a month per client, plus a custom Accountant AI Program |
| Migration and onboarding | Nothing to migrate, the ledger stays | Self-serve migration on Free to Plus; dedicated migration and CPA-led onboarding on Advanced |
| Third-party proof a buyer can check | None yet | Named testimonials on its own site and a $20M raise announced in its header |
| Built for | Finance teams, controllers and outside accountants who keep their ledger and need proof it ties out | Founders, sole props and small firms ready to move their books onto an AI ledger |
Comparison reflects general product positioning and is provided in good faith. Verify current capabilities with each vendor.
What it costs
Kick pricing vs Reconciler pricing
| How pricing works | Reconciler | Kick |
|---|---|---|
| Entry plan | Starter $29 per month billed yearly, $59 month to month | Free $0, one entity, 250 categorized transactions a year |
| First plan with reconciliation | Starter, from $29 per month billed yearly | Basic $40 a month, billed $480 a year |
| With your ledger connected | Growth $89 per month billed yearly, $179 month to month, with QuickBooks Online, Xero and NetSuite | Not applicable, Kick replaces the ledger |
| Several entities | Scale $239 per month billed yearly; Enterprise $599 billed yearly | Plus $100 a month billed $300 a quarter, $50 a month per added entity past 250 transactions a year |
| Consolidation | Not offered | Advanced $300 a month, billed monthly |
| Accounting firm pricing | Published plans per client workspace | $20, $50 or $150 per client a month |
Vendor pricing changes. We only state what each vendor publishes itself, and we do not repeat third-party estimates as fact. Confirm current numbers with Kick before you decide. Reconciler pricing is on our pricing page, and the same check across every tool in the category, including which vendors publish a figure at all, is on our account reconciliation software pricing comparison.
Honest fit
Which one you should actually pick
Pick Kick when
Kick is the better buy for a founder, a sole prop or a small group of companies that is happy to leave QuickBooks or Xero for a newer ledger: categorization, receipts, invoicing, Gusto payroll splits and a tax package in one place, at a published price from $40 a month. It also suits a small bookkeeping firm that wants per-client pricing from $20.
Pick Reconciler when
Reconciler is the better buy when the ledger is staying. You keep QuickBooks Online, Xero or NetSuite, and the CPA and payroll setup that depend on it, and you need bank, card and Stripe, PayPal or Square payouts proven against the books every month. It connects read-only, explains every match, flags every exception and costs $89 a month billed yearly with the ledger connected.
Questions people ask
Kick alternatives, answered
How much does Kick accounting cost?
Kick publishes four plans. Checked on October 8, 2026: Free is $0 for one entity and 250 categorized transactions a year, Basic is $40 a month billed annually ($480 a year), Plus is $100 a month billed quarterly ($300), and Advanced is $300 a month billed monthly. Extra entities on Plus and Advanced are free for their first 250 transactions a year, then $50 a month each.
Is Kick bookkeeping free?
Only up to a point. The Free plan covers one entity and 250 categorized transactions a year, and it does not include reconciliation or statement sync, which start on Basic at $40 a month billed annually. A business with a few hundred card and bank transactions a month passes the free limit in its first few weeks.
Does Kick do bank reconciliation?
Yes, from the Basic plan. Kick lists assisted transaction-level reconciliation of bank and credit card activity, statement sync from supported institutions, and payment reconciliation that books Stripe and PayPal payouts as splits with their fees. It reconciles inside Kick's own ledger, so your books have to live in Kick for it to apply.
Can Kick replace QuickBooks?
Yes, that is how it is built. Kick keeps its own general ledger, chart of accounts, journal entries, P&L, balance sheet and trial balance, and offers a migration tool to move off your current software. The pages we read describe moving off QuickBooks rather than syncing into it, so choosing Kick means moving the books.
What are the best Kick alternatives?
If you want a new AI ledger, buyers compare Kick with Digits, Puzzle and QuickBooks Online itself. If you want to keep QuickBooks Online or Xero, an AI layer such as Booke AI handles categorization inside them, and reconciliation software such as Reconciler proves that bank, card and payout activity agrees with the books.
How much does Kick cost for accountants?
Kick's accountant plan guide prices per client: Free at $0, Basic at $20, Plus at $50 and Advanced at $150 a month, with unlimited business entities inside a Plus or Advanced client workspace. Firms that want training, priority support and lead generation can apply to the Kick Accountant AI Program, which is priced on request.
Does Kick work with Stripe and PayPal?
Yes. Kick connects directly to Stripe and PayPal and syncs payments, customers, fees and payouts, recording payment transactions as splits so revenue and fees land in the right accounts. It also connects Mercury, Ramp, Gusto and BILL directly and reaches other banks and cards through Plaid.
Is there a cheaper alternative to Kick?
For a full ledger, Kick's $40 Basic plan is already among the cheaper AI options that publish a price. If you only need reconciliation on the ledger you already have, Reconciler starts at $29 a month billed yearly for a bank and one processor, and costs $89 a month billed yearly with QuickBooks Online, Xero or NetSuite connected.
Do I need Kick or Reconciler?
Ask whether your books are moving. If you are ready to leave QuickBooks or Xero for an AI ledger that categorizes, invoices and closes in one place, Kick is built for that. If you are keeping your ledger and need proof every month that bank, card and payout activity agrees with it, Reconciler adds that read-only.
Other comparisons
See it on your own accounts
Upload CSV exports from any bank, card or ledger, or connect Mercury, Brex, Stripe, PayPal, Square, QuickBooks Online, Xero or NetSuite read-only. Transparent pricing, and a reconciliation in a fraction of the time. Reconciler matches both sides and explains every match. It never moves money. Decide for yourself.