Here's what I'd want from accounting software; a credible exit strategy that if you go bankrupt or decide that you need to tweak your pricing too much, I can take my data and run it on my own infrastructure. Have you thought about an open source business model? Even just offer the basic platform as open source (e.g. keep the AI stuff proprietary). Also, your pricing is too high; Xero offers a more generous starter plan for $20 / month.

> Here's what I'd want from accounting software; a credible exit strategy that if you go bankrupt or decide that you need to tweak your pricing too much, I can take my data and run it on my own infrastructure.

This is so, so critical, that I hope the founders consider it their number one priority. When you look at tools like Figma or Linear, they are often brought into a company by an individual designer or product manager for use by one small team - sometimes as an official pilot, sometimes not. It then has the option to grow organically within the company before the company switches over to it whole hog.

Accounting software obviously doesn't have that luxury. Companies absolutely need to know it will be around for years, as once the decision is made it's incredibly difficult to back out of. OP talks about this being their third pivot - my guess is that some of their original early adopters of their previous products were left a bit high and dry when they pivoted. Not at all blaming the founders for this - that's the nature of business, but also highlights why many small companies are reticent to go with an untested accounting product

I actually think the number one feature the founders should build is export to QuickBooks. For better or worse, that is the standard for small business accounting, and knowing there is a data export to QuickBooks would go a long way to assuaging a lot of potential customers' fears. It's a tactic Microsoft took in the 80s when they introduced Excel. At the time Lotus 123 was the spreadsheet standard, and they made sure Excel files could be exported to Lotus 123 so customers were less concerned about creating spreadsheets that other employees couldn't read.

Both these comments raise a great point on longevity of the product/support for migrating to other products. Everything can be exported to csv (and in an easily readable format that can be ingested by other accounting software -> QBO, Xero, etc...).

We still support customers from past pivots (albeit on maintenance mode).

It's not about the ability to migrate to other products. If I switch to your product, I need guarantees that you will not screw me over pricing 5 years down the road when you need to increase your revenue figures and that if you go out of business I can still run your software, which I've spent time learning and migrating, on my own.

I can't help but recommend an accounting software called Manager (https://www.manager.io/). You install it on your computer and its free. It's probably the most beautifully designed accounting software i have come across. They also have a cloud version.

I first came across Manager about 5 years ago and wanted my accountants to use it. However they chose Xero because they were 'used to Xero'.

I still have Manager installed and play around with it whenever i need inspiration.

The downloadable version is single user. All data is stored in an SQLITE file which you can just copy-paste if you have to move computers. You can decide where you want to store the SQLITE file. I ended up choosing a shared dropbox folder. Guess what, now i have a multi-user version. Although, i'm not sure if the Manager team would recommend this approach.

I'm not affiliated with Manager.

It’s a closed-source software managed by a single person who appears to be residing in Australia. I’m not surprised your accountants didn’t want to use it.

Just use a spreadsheet with an automation plugin like Fintable. It's your spreadsheet in the end, so you can walk away at any time, the app just syncs for convenience.

Congratulations on launching!

I have some experience with accounting software and its use in various types of business (not just startups).

Xero (rather than Quickbooks) is dominant in the UK and it has a lot of problems. However, I think you are addressing a fundamentally different market. Quickbooks and Xero are both targeted at the long-tail of small businesses - think tradesmen, cafes, hairdressers, etc. The main thing they accomplish for those customers is basic book keeping and business functions (like invoicing, payroll, etc)

Your software seems much more aimed at small companies which want sophisticated tools to generate financial insight. This is not a criticism, just a comment that this is a different and potentially smaller market.

However, one way you could capture the "long tail" of small businesses is by winning over the high-street accountant. If you could let them prepare annual accounts with 10x less work - even if the customer book keeping is a mess - then every accountant will recommend your software to their clients.

Anyway - great to see something new in this space. Feel free to reach out if you'd like to discuss further.

thanks - we are indeed working with high-street accountants. I also think there is a driver as you said from founders and smaller business owners who want financial insights. Those same businesses have budgets for reporting/budgeting and planning software, so having it as close to accounting data as possible in one product we can increase the value prop.

Looks nice. I am in finance and have developed reporting/querying tools for accounting teams. The most important thing is catering to Excel. That's just the way it is. What I mention below might already exist and if it does that's great, you're on the right track.

1. The ability to input a list of cost centers/accounts and export all journal entries to Excel is a requirement

2. An Excel add-in is a better selling point than the built-in spreadsheet feature.

1 is supported 2 it's a fair point, I think something for us to keep in the back of our mind as we grow.

2 isn't a "fair point". It's... basically just correct. With respect, you just don't want to hear it.

Fair point, Excel is the standard, and we’re not trying to replace it. But an embedded sheet lets us do things that an add-in just can’t, like asking AI a question and having it generate a full sheet with supporting data instantly. The experience won't be the same if you have to open that sheet in excel instead of seeing it embedded in the app.

We think that’s a powerful complement to Excel, not a replacement. And of course, exporting to Excel/Google Sheets is always an option.

Counterpoint: the product vision that is already on display here is going in a great direction, and colocating a spreadsheet with your accounting app is a great idea. I love the idea of being freed from having to use excel for particular aspects of my accounting flow. You've got the export. People that want to keep their painful workflows can be masochistically happy.

This is clearly not an attempt to replace Excel, it's an attempt to accomplish a set of use cases in a better way than clunky export-import flows.

The in-app sheets look great, keep going!

Thanks for your kind words.

> This is clearly not an attempt to replace Excel, it's an attempt to accomplish a set of use cases in a better way than clunky export-import flows

This is exactly how we think about this too.

I think you can do that in an excel spreadsheet.

You can play Doom in an Excel spreadsheet.

You can probably have an AI agent using a model running in excel playing doom in excel.

> It even includes a built-in spreadsheet so you’re never limited in reporting.

That may be your next pivot, if you are not careful, or maybe if you are.

I did two semesters in college interning on an application like this which did not survive, and one of the things that kept coming up in comparables was that the biggest competition was not Quickbooks, the biggest competition for small/medium sized business accounting has always been Excel.

The product I worked on thought it could succeed with deep Excel integration, both imports and reporting, and possibly even being installed right next to Excel out of the same box. In the end, Excel won and the product was axed, because of course Excel won (even despite the product working to diversify its revenue to moat its budget in interesting ways).

That's a great point and was actually what led to the pivot to accounting software. We originally tried to make this just a reporting tool (aggregate financial sources, think equals.com) but came to the same realisation that it was hard to get people to switch from Excel. In this product the sheet is not the product, just a feature

Just spent some time on the website. Actually looks like a really neat product. Biggest downfall is that it doesn’t offer connections _to_ spreadsheets (unless I missed that). I work in FS, we try to make dashboards with excel but it’s difficult to have a template that works across all types of client data. I think equals could be a powerful solution to that

Watching QuickBooks increase in price while decreasing in quality year by year, I keep wondering when the market will finally start to break. I hope this is your break, good luck! I think "QuickBooks, without the popup ads" is already a good enough pitch to me.

Appreciate it! We love to hear this! I've been hearing a lot about QBO popup ads recently

A number of years ago, the company I worked for got acquired by Intuit and I ended up in a lot of meetings with the people in charge of Quickbooks. And I can tell you that you’re not looking at Quickbooks the way they are.

One of the key takeaways that I had was that Intuit viewed accounting as a three-way market where the professional accountants were the most important factor when it came to the product design. Customers generally don’t care what software gets used and will pick whatever their accountant recommends. As such, only certain workflows prioritized ease of use and being intuitive. Business owners want to go in and see reports on how their business is doing, but when it comes to actually doing the books, they don’t care. And accountants see the unintuitive parts of Quickbooks as a moat. They’ve put so much time and effort into learning to use such a poor UI, that they see a lot of their value in skillfully navigating that “bad” UI. There’s a ton of hidden tricks that have evolved over the years and get passed from accountant to accountant and they’ll scream bloody murder if Intuit tries to change them. It was funny to hear how much effort was being put into replicating weird interaction patterns from Quickbooks Desktop when they were creating Quickbooks Online and trying to migrate customers over.

My advice to you is to try to find professional accountants who will let you observe them using Quickbooks or Xero. I can almost guarantee that they’re using those products very differently from the way you do. And don’t assume that just because Quickbooks UI sucks, making a better UI will make you successful. Having worked with them, the people in charge of Quickbooks Online are very talented and plenty capable of making a more intuitive UI. The choice not to is intentional and based on a lot of history and strong relationships with their professional accountant community. There will always be some small business owners who try to go it alone, and they really do need more intuitive accounting solutions. In general, I thought Wave was pretty good at targeting that segment the last time I looked at it. But the money there is tiny. And if you want to be hugely successful, you have to understand accountants and why they choose Quickbooks.

Appreciate the thoughtful feedback. You're right that accountants play a huge role in software adoption, and we’re spending a lot of time talking to them to understand their workflows.

That said, we think the landscape is shifting. AI and automation are changing how accounting gets done, and the next generation of software won’t be about preserving unintuitive workflows. It’ll be about eliminating unnecessary manual work and giving both businesses and accountants better tools.

QuickBooks has deep roots, but businesses today expect more than just accountant-approved tools. They want real-time insights, automation, and software that works for both them and their accountants.

Great response

To me this sounds like Quickbooks is a target ripe for disruption.

This is oddly relevant to me as someone who has HN bookmarked and is also pursuing a Master of Accounting so that I can sit for the CPA exam this year.

I'm mildly annoyed that I'm met with a "Book a Call" CTA when I click the Accountants tab, but I get it.

I think the feedback re: Excel preeminence/stickiness and outsourced workflows is pretty indicative. Similarly, I, too, am curious about the long-term commitment you're willing to make, considering the prior pivots.

That said, this looks clean, and I plan to check it out. I'm doing some work with a fractional CFO firm and I'll recommend they explore as well. Working within a built-in spreadsheet could very well provide the right level of flexibility -- especially if I can access them via the API for downstream manipulation (I haven't looked at the docs yet).

Really appreciate this, and thanks for checking us out! Fair point on the ‘Book a Call’ CTA, we've got a demo environment setup to explore so might be better to switch the accountant CTA over to that.

On Excel’s dominance, we hear that loud and clear. We’re not trying to fight it, but we do think a built-in spreadsheet unlocks some powerful automation and AI-driven workflows that wouldn’t be possible otherwise. And yes, accessing sheets via the API is possible!

On the long-term commitment, good question. We did pivot in the past, but this is the problem we’re committed to solving. SMB accounting is broken, and we’re in it for the long haul.

Just a heads up in case you were thinking of selling into the same demo as Linear:

I pay a small amount for outsourced accounting and never need to touch quickbooks. I think this is pretty standard for VC backed startups. The accountant sends us reports in Excel with everything I need to know.

Also, devs really appreciate the craft of Linear. Accountant / CFO is a lot less likely to care. They'd probably rather use something they already know then something that is 10x better on UX.

This is something we've been thinking about and in our conversations there are many SME/Founders that want to be more hands on in the day to day of their finances, being able to generate reports instantly instead of playing phone tag.

I don't know if it's the case that Accountant's or CFOs wouldn't care about a 10x user experience improvement, our bet is that the majority of folks are looking for a better UX, devs just know that they could build it if they really wanted to. One thing we're focused on is the learnability of the tool, building a system that allows folks to reach a level of knowledge to feel comfortable quickly, and we're trying to pair that with flexibility, so people feel empowered to build the systems/flows that feel the more viable for them and their businesses/accounting practice.

can you intro me to your accountant? I've yet to find one who can keep my books clean. aakash at wyndly.com

As somebody who has been using QuickBooks begrudgingly for the last year, this seems very interesting!

However, what is Linear? It's impossible to search for what it might be because it's a common word that I search for in other contexts extensively.

I really hope someone displaces quickbooks -- I was hoping someone would build one on top of Rocicorp Zero Sync!

This looks like a great start. More pricing transparency would be good. A lot of smb, mine included, might not fit in starter, but also can't/won't spend more than we're spending with qb.

Thanks for the feedback! Pricing has come up here and that's on us for not making that page more transparent. (1) We're not here to gouge small businesses/startups (2) we're a startup and flexible on pricing.

We'll update that page to be more clear. What are you paying for QBO currently?

Wow, nice start. Integrated spreadsheets are a killer feature. Do any other accounting systems offer that? I think MS Dynamics does.

Appreciate it, yeah to our knowledge Dynamics is the only one, they've got the 'we're Microsoft' advantage in that regard, but we're proud of our sheet and hope to grow it into something that's more learnable/usable/helpful than excel itself

I believe client accounting firms, and probably companies themselves, would appreciate standardized accounting workpapers such as a loan amortization schedule, salary accrual schedule (to accrue salaries daily based on historical rates), depreciation schedule, and more. If you think of categorizing transactions as not only putting them in their final resting place (an account) but also as tagging them with special attributes (e.g. the attribute of needing to be accounted for in an aforementioned schedule), you'll have a killer innovation IMO. Many will tell you the dream of standardization is unrealistic but accounting methods are finite and a majority are well defined. You don't have to cover all use cases to win the hearts and minds of most who will see the value in prebuilt, integrated worksheets. Just an opinion from a client accounting manager who loves tools and applied theory.

Here's a cool writeup from PC Mag 1995 about accounting softwares: https://books.google.com/books?id=yurvRCerf_UC&pg=PA273#v=on...

Not much has changed!

Out of context: I like it when "Linear" references are used. When they become so well known?

about a year now I'd say - while their design kicks ass I think it's the speed and thoughtfulness of the product that makes it stand out.

Do you have a roadmap? I'm interested (love Linear, hate Quickbooks/Xero, looking for something better, finances are not that complicated) but I want to know what is planned and what is supported now.

Great question, we don't have an official roadmap but over the next few months we'll likely ship: magic inbox (auto linking receipts/invoices/etc... to transactions, payroll/hr integrations, e-commerce integrations). We're also focusing heavily on the AI functionality (getting it to do much more than just bookkeeping and generating reports). The roadmap is heavily customer influenced, are there any critical features you're looking for?

How did you decide to build your one sync engine instead of use an off-the-shelf solution?

We’re exploring Zero (by Rocicorp), PowerSync, ElectricSQL, and a few others

This would be super interesting as an open-core company. In particular, we would want direct access to the underlying SQL database and the ability to customize the code directly.

hey - we'll think about this. In the meanwhile it is still powered by the same high-performance customizable ledger from our earlier ledger api pivots - it is 100% accessible via API.

Congrats on the launch. As a startup in Europe would love to see this expanding. There are nice open banking api's.

Thanks :) Europe is definitely on the roadmap.

Also check out Moss. They are doing some things right in budgeting and transaction linking!

Hi folks. Congrats on this launch. As someone who's used Quickbooks for years, there's definitely an opportunity to build something that's a better experience. We're hearing about other new platforms like Rillet emerge in the market too. How do you folks think about their approach vs. yours?

hey, thank you - for sure! Rillet looks interesting, they appear to focus on SaaS vertical for mid-market companies (more like targeting Netsuite's customer segments). We on the other hand focus on a simpler setup where small business owners and startup founders manage most of their business finances themselves.

Cool!

I've looked into accounting software for our startup in the past. Xero, Quickbooks, and simply hiring an accounting firm.

We ended up hiring an accounting firm for full service so I can totally not focus on this at all, and we don't have to have an operations staff member dealing with bookkeeping.

That said, I feel like there should be a solution that is totally automated, that can just sync with our bank account and handle everything. The full service accountants aren't perfect, the interface is just phone calls and emails. The bookkeeping itself doesn't seem like too much human work for them; they mostly just load things into quickbooks anyways and send us a report. it's mostly the tax filings where they come in handy. That and on the off chance we need audited financials for diligence, we need an accredited third party firm.

Bookkeeping. It's something I'm perfectly capable of doing, but it would be a mistake for me to be spending my time and energy on this; myself and our staff should be focused on unique things that advance our core product and business.

On your pricing page you say 'growth: request a quote." Solutions like pilot are transparent about their pricing but it's actually no better than the more traditional accounting firm we chose. I realize it's early, but it would be important for me to be able to estimate the pricing before I invest any time or effort to try this out -- even for a free trial.

Hey - I agree with your bookkeeping + tax filing points! Regarding the "Request quote" button - I hear you! Right now the product isn't positioned to serve mid/larger businesses so we basically have to make a case to divert/invest our engineering time into making the product work well for those companies.

I looked into accounting software. This posting set my mind:

Shameless C&P:

If you do not use Quickbooks:

* Your bank will hate you.

* Your investors will hate you.

* Your payroll system won't work.

* Your tax systems won't work.

* Your accountant won't work.

* Grants are even off the table in some cases.

* Some places won't audit without Quickbooks.

I don't think this is necessarily true in all countries. Here in the UK I see a lot of people using Xero & Sage, and micro businesses using Freeagent.

If you do not use [Major Accounting Software in your country]:

* Your bank will hate you.

* Your investors will hate you.

* Your payroll system won't work.

* Your tax systems won't work.

* Your accountant won't work.

* Grants are even off the table in some cases.

* Some places won't audit without Quickbooks.

Do you have a link for the source?

Wish this had a personal plan - looks like it could be interesting for myself.

Send me an email! daniel(at)modernbanc(dot)com

Sent!

Congrats on the launch, something I want to try. On your website I see $50 per month for revenue less than $50,000. And there is start for free.

Is there is a free plan or is it just a trial for certain number of days ?

It's a trial for 14 days but if you need more time just send us a message and we'll figure something out

Trying to be constructive here but also This is just a common gripe of mine regarding insanely short trial periods for important/key software. What exactly do you expect a user to accomplish in 14 days that would leave them wanting to start paying you? An accounting period is typically a month, minimally. I stumbled on your post and wasn’t seeking it out, so how I have to find time over next 2 weeks to see if I’m interested, etc. The first 14 days are just work for me, no value, just integrating data/configuring things/etc and I have not got any value out yet.

Anyway, I know I don’t have time and I know 14 days isn’t really even enough time to test drive it anyways. So, it is a trial period that really just pushes me away from signing up. Had I signed up and had unlimited time to do all my setup/config/integration works, which I’m in no hurry so may take a few months (of mostly inactivity), then I may close my books in tandem with my current system a couple times and you should reach out to bill me once I’ve closed 2-3 acccounting periods. That would give you a great opportunity to get feedback from me on what I like or dislike having gone through a couple month end reps and sell me on making this my core accounting product. But, since you turned me off initially with the 14 day free trial thing neither of us will ever know.

That's a good point! Happy to offer extended trial. Email me (daniel(at)modernbanc(dot)com) and we'll get something set up for you (if you're interested).

I think you're missing the point. They're not necessarily sold on signing up, because the choice of 14 days for the trial period is off-putting.

It's nice that you're offering a longer trial period for people who specially request it, but what they're saying (which I 100% agree with, and am also not in the market for accounting software, to be clear) is that you're likely to lose out significantly with such a short period. My guess is if you offered a 3-month trial period you'd get over 10 times as many signups.

Just my 2 cents.

The only way the 14-day period seems like a good idea to me from a (short-sighted) business standpoint is if there are significant problems with your software that don't reveal themselves until books for the month are done. That way you can get some conversions (followed by cancellations when they run into those shortcomings) from people who wouldn't convert if you offered a longer period.

If you're worried about large customers taking advantage and becoming difficult to service for such a long period, another model is to offer a free tier with up to X data, Y records, etc. That way you'll be appealing to smaller businesses for whom this is roughly 3 months of accounting services, and perhaps less so to larger businesses who usually take much longer to convert anyway.

This is the correct takeaway from my comment. While kind of you, I wasn't fishing for a longer trial offer or even in the market for this solution. I was pointing out how a short trial preemptively narrows your top of funnel in terms of signup conversion. If you believe in your software/company, you should be prioritizing signups because you believe you will be able to convert them eventually.

If you give the user time to get through all of the integrations/setup steps, you should be even more confident in your ability to convert them as they're invested at that point.

If you're worried about the 'load' of a user on your SaaS, then you have bigger issues to solve because the unit economics of having a low usage/free tier user should be essentially free. If a user does require a lot of human touch/support during their trial, then I feel like you handle that manually on a case by case basis. It's likely going to be rare and you can decide how to handle (eg. talk to them about paying for support / moving to a paid plan / etc). I tend to believe you're missing out on the learning and feedback loop from these types of users even if you perceive them as unprofitable or what have you.

We extended the trial period to 30 days now.

The original intent behind 14 days was to force a deadline onto user to get set-up properly and realize value of the product. (Seeing their financials in real-time)

Though the comment above justifiably mentioned that some folks might want an entire accounting period to run books in parallel while evaluating. We'll keep looking into this.

How are you getting the bank feeds? Plaid? What if Plaid doesn't work with my bank, can I import CSVs manually?

Also the front-end looks very polished, wondering what your tech stack looks like.

Awesome . Congratulations on the launch. Would you say Modernbanc is more personal finance focused or geared toward small business? Does it support federal quarterly tax estimates for a business?

Thanks! We're focused on small businesses/startups. Out of the box no it doesn't support automatically calculating federal quarterly tax estimates. You could have a live sheet with a formula for this that updates as your income changes though

Ok, thanks. Handling calculation and payment of quarterly federal taxes is a big deal and reason a lot of small businesses use Quick Books Self Employed. Perhaps look into it, I know I would consider switching.

Thanks for the heads up, I'll definitely look into this!

Have you ever thought of adding a feature like automatically analyzing invoices to show owners “This supplier raised the price of 2x4 Joists by 22%” and other such insights?

yes, we have something in the pipeline that would address that :) feel free to email me at gregory at modernbanc dot com if you want to have a deeper convo on that.

Congratulations on the launch! I think you might have a typo in your screenshots, where "liabilites" should be spelled "liabilities".

good catch - will address that!

How do track errors with the AI? Is it up to me as a user to flag them or do you have a review process or have different models confirm the same outcome?

Good question, what would be best for you?

Right now if you suspect an error in AI response you can flag it/submit as feedback. For anything that AI does without your input (bookkeeping) we associate a confidence with it and when below that threshold we get a human in the loop.

We know that trusting AI with financial info is hard which is partially why we have the sheet (so that the AI can backup it's claims).

this is pretty nice. probably just for US market for now given the real time integration with bank accounts - that's a killer feature.

thank you! Yes, to provide the kind of experience we want for now we have to focus on smaller and only US-based companies. Once we nail that we can go up company size and wider in geographies :)

This looks really neat. Curious if you can say anything on how it's different from puzzle.io?

Hey - puzzle looks interesting. I’d say we focus a lot on simplicity and flexible reporting, we have a built-in real-time spreadsheet so you’re able to put the kind of report that matters to you as a founder rather than the one one we force you to look at.

When do you plan to support multi-currency?

this has been requested a lot and is on our short term roadmap. Can you expand on your use-case and how important is this feature to you?

Congratulations on the launch! Just a question; what library are you using for the spreadsheet? Looks great!

Hey yeah (i'm JT) we built it from the ground up using Pixi. We went that route because so many of the existing libraries were limited in their extensibility, stuff like our model visualizations, inline ai, and customizing the formula lang to handle things like dot notation weren't possible. It's got a long way to go but I'm proud of how far the team has taken it.

Thanks I'll pass that along to JT (engineer behind the spreadsheet)! We're using https://pixijs.com/

This is too basic...something like Business Central offers much-much more for a bit higher price

Hey thanks for the feedback! What features are you looking for that Business Central offers?

This looks awesome. The craft in the product really shows — congrats on the launch!

thank you - not always easy to make a business case for craft, but I personally think it shows care about the product and sets customer's expectations for your future features.

Would this work in Canada?

Does it work with US corporations?

Yes and yes! We connect with the majority of Canadian and US banks

How should I think about banc wrt digits?

From an end-goal perspective (making accounting simple for small business owners/founders) pretty similar.

Cant trial without credit card details?

There is a demo environment you can view once you've signed up, no credit card needed! To trial with your own bank details you need to input a card

sorry I couldnt find it. It takes me to stripe payment page.

very curious - why did it take you 5 years to launch post YC? (It says W20 batch)

Hey! We've pivoted a few times now and prior to this our product was enterprise focused so no reason to post on HN.

this is our 3rd pivot :) we've launched other products before such as Ledger API processing over $100m in txn volume a month and a PCI vault for fintechs with 1m+ users. However we took a hard decision to pivot again as we didn't feel like we'd achieve the impact we wanted in those markets.

Which ledger api is that and which PCI vault?

Both under the Modernbanc umbrella, vault is still publicly visible: https://modernbanc.com/vault

This concept sounds great. I despise Xero, and felt the same about QuickBooks before it. "Linear for accounting" basically already has me sold. Just please make it work for UK companies some time (from a YC22 Founder).

Currently the goal is to make the product awesome for our initial markets (US/Canada) but UK will be supported soon after we believe

Expensive

what do you think would be a fair price for the product?

So are you a competitor to https://tryfondo.com , another YC company ?

Nope, we work with accounting firms like Fondo!

I migrated from Quickbooks to Manager.io and haven't looked back. It keeps getting better and stronger, and is desktop based (free) with a cloud-based version as well (paid) and well supported: https://www.manager.io/

Honestly so excited to see this type of software move to the browser in general. I use Puzzle.io and love it