Top 10 Best Saas Accounting Software of 2026

Sage Intacct is a leading cloud-based financial management and accounting software tailored for mid-market and growing enterprises. It offers core functionalities like general ledger, accounts payable/receivable, cash management, order management, and inventory tracking, all with real-time insights. The platform stands out with its multi-dimensional reporting, multi-entity consolidation, and extensive automation capabilities, making it highly scalable for complex financial operations.

Oracle NetSuite is a comprehensive cloud-based ERP platform specializing in financial management and accounting for mid-market to enterprise businesses. It offers end-to-end capabilities including general ledger, accounts payable/receivable, billing, revenue recognition, financial reporting, and multi-currency support. NetSuite provides real-time dashboards, automation, and scalability to handle complex global operations within a single unified system.

Certinia is a Salesforce-native ERP platform specializing in professional services automation (PSA) and accounting for services-driven businesses, including SaaS companies. It offers robust revenue recognition compliant with ASC 606, subscription billing, invoicing, and financial reporting integrated seamlessly with Salesforce CRM. This makes it ideal for managing complex revenue streams alongside project and resource management.

QuickBooks Online is a cloud-based accounting platform from Intuit, widely used by small to medium-sized businesses for managing finances on the go. It provides essential tools like invoicing, expense tracking, bank reconciliation, payroll processing, inventory management, and customizable reporting. With real-time collaboration features for accountants and robust mobile apps, it streamlines financial operations and ensures compliance with tax requirements.

Xero is a cloud-based accounting software tailored for small and medium-sized businesses, providing tools for invoicing, bill payments, bank reconciliation, expense tracking, and financial reporting. It supports multi-currency transactions, project costing, fixed asset management, and payroll in select regions, all accessible via web and mobile apps. With over 1,000 integrations, Xero enables seamless connectivity with other business tools for enhanced workflow efficiency.

Zoho Books is a cloud-based accounting software designed primarily for small to medium-sized businesses, offering comprehensive tools for invoicing, expense tracking, bank reconciliation, inventory management, and financial reporting. It supports multi-currency transactions, project accounting, and automation features like recurring bills and invoices. Seamlessly integrating with the broader Zoho ecosystem and over 500 third-party apps, it enables efficient workflow management without needing extensive IT support.

Acumatica is a cloud-based ERP platform with robust SaaS accounting software at its core, offering comprehensive financial management tools including general ledger, accounts payable/receivable, cash management, and multi-entity support. It integrates accounting seamlessly with CRM, inventory, distribution, manufacturing, and project accounting modules for end-to-end business operations. Tailored for mid-market companies, it emphasizes scalability, customization via low-code tools, and industry-specific editions without per-user licensing limits.

Microsoft Dynamics 365 Business Central is a cloud-based ERP platform designed for small and medium-sized businesses, offering comprehensive accounting, finance, sales, inventory, and operations management. It provides real-time financial insights, automation, and scalability to support business growth. Seamlessly integrated with the Microsoft ecosystem, including Office 365, Power BI, and Teams, it enables efficient collaboration and data-driven decision-making.

FreshBooks is a cloud-based accounting software tailored for small businesses, freelancers, and service providers, focusing on streamlined invoicing, time tracking, and expense management. It offers tools for creating professional proposals, managing projects, accepting online payments, and generating basic financial reports. While it handles essential accounting tasks like bank reconciliation and tax time prep, it prioritizes user-friendliness over advanced enterprise-level features.

Wave is a cloud-based accounting software tailored for small businesses, freelancers, and solopreneurs, offering free core features like invoicing, expense tracking, receipt scanning, and basic financial reporting. It simplifies bookkeeping with an intuitive dashboard and mobile app, while optional paid add-ons handle payments and payroll in select regions. Designed for users who need straightforward financial management without complexity or upfront costs.