8 Top Mobile Accounting Apps (& How to Choose the Best Fit)

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From the boardroom to your home office to your favorite coffee shop, work in the 21st century happens everywhere—and your accounting needs to keep up.

Mobile accounting apps put powerful financial tools right in your pocket, letting you send invoices, track expenses, and monitor cash flow from anywhere.

Whether you're a freelancer catching up on billing between client meetings or a small business owner approving expenses from the job site, the right mobile accounting app can help you stay on top of your finances and keep your business moving forward.

Key takeaways

Mobile accounting apps offer essential financial management tools like invoicing, expense tracking, and real-time cash flow monitoring for businesses on the move.

The best accounting apps combine robust functionality with user-friendly interfaces and secure cloud-based data storage to support modern distributed workforces.

When choosing a mobile accounting app, consider factors like integration capabilities, automated features, and specific tools that match your business workflow needs.

BILL customer? Download our BILL AP/AR mobile app and/or BILL Spend & Expense app for iPhone or Android.

Key features to look for in mobile accounting apps

Remember when managing business finances meant being chained to your desk? Those days are over. Here are the essential features to look for in a mobile accounting app.

Real-time synchronization

Your mobile app should instantly sync with the desktop/web version as well as other users’ devices. This ensures that everyone has access to current financial data, whether they’re in the office or on the road.

Receipt capture and processing

Look for apps that let you snap photos of receipts and automatically extract the relevant data. The best apps can recognize vendors, categorize expenses, and match receipts to transactions without that tedious manual entry.

Mobile-first invoicing

Your app should make it easy to create, send, and track professional invoices from anywhere. This includes the ability to access customized invoice templates, attach files, and see when clients view and pay their invoices.

User-friendly dashboard

A clean, intuitive interface designed for mobile use should give you quick insights into your cash flow, outstanding invoices, upcoming bills, and other key financial metrics. The best apps organize complex financial data in a way that’s easy to understand on a smaller screen.

Secure payment processing

Look for apps that offer integrated payment processing with strong security measures. This lets your clients pay invoices directly while protecting sensitive financial data.

Multi-user access control

Your app should let you control who can view financial data, approve expenses, or process payments from their mobile devices, setting different permission levels for different user roles.

Automated notifications

Your app should use push notifications to inform you of important events like invoice payments, upcoming bills, or low account balances. This helps you stay on top of your finances without constantly checking the app.

Bank integration

Direct connections to your business bank accounts and credit cards make it much easier to keep your books up to date and reconcile your accounts at the end of each month. Look for apps that can automatically import and categorize transactions while maintaining accurate audit trails.

Best mobile accounting apps

As of the date of this writing (02/2025), here are eight standout mobile accounting apps that can help streamline your business finances. We determined “best” based on a blend of external reviews and our internal expert assessments. We leveraged trusted review sites like Capterra and G2, and our internal team’s expertise in reviewing each app’s features, usability, and security—aiming to identify products that suit diverse business needs.

We've listed these solutions in random order since each one excels in different areas, and the best choice for your business will depend on your specific needs and workflows. Each app offers a unique mix of features designed to help businesses manage their finances on the go.

Zoho Books

Zoho Books pitches itself as comprehensive accounting software for growing businesses. Highlights of the service include sales tax automation, sending invoices, generating 1099 reports, and managing expenses, projects, and inventory.

As of the time of this writing, it offers a free version, but the functionality is limited. The free plan doesn't track sales tax, connect to bank feeds, or track inventory. It does, however, allow you to enable a self-service customer portal.

For a complete feature-by-feature comparison of Zoho Books pricing, visit their plan comparison page.

With the Zoho Books mobile app you can:

Manage money coming in	Create and send estimates and invoices on the move, and accept customer payments online.
Manage money going out	Record expenses and bills and categorize them right from your iPhone.
Keep your accountant in the loop	Invite your trusted advisor to review your numbers.
Enjoy business insights	Find answers to questions such as: Do you have enough cash for payroll and paying supplier bills? How much do your customers owe? What are your top expenses?
Track time	Track time you spend on your projects and bill them right from the app.
Pay in multiple currencies	Zoho Books supports transactions in multiple currencies.
Get unlimited transactions and users	There are no limitations on the number of transactions or users who can access Zoho Books.

QuickBooks Online

QuickBooks Online pitches itself as having plans for every stage of your business, connecting accounting, expense management, payments, and payroll in one place. (Note, however, that payroll is an additional paid service that doesn’t come included with the monthly plans.)

One highlight that stands out is the ability to connect QuickBooks to sales channels such as an Amazon, Shopify, or eBay store. Because QuickBooks includes support for sales tax, this can automate a lot of accounting work for anyone selling tangible products.

Another stand-out feature is that QuickBooks comes with its own savings account option. You can put excess cash into a business bank account through “savings envelopes” that advertise 5.00% APY as of December 4, 2004.

At the time of this writing, QuickBooks Online doesn’t offer a free version. Instead, it offers either a free 30-day trial or a deeply discounted monthly price for the first three months, after which the monthly price reverts to the usual rate.

New customers who purchase a subscription will also have access to free expert help for the first 30 days. After that, the expert help will incur additional fees above the usual subscription rate.

For a feature-by-feature comparison of QuickBooks Online pricing, visit their plan comparison page.

With the QuickBooks app you can:

Organize business finances

Automatically separate business and personal transactions

Categorize your business transactions

Connect bank and credit card accounts

Manage cash flows and expenses

Snap and scan receipts

Track mileage

View and manage cash flow

Get insights into revenue and spending

Create invoices, estimates, and reports

Create and send invoices and estimates

Add new customers, products, and services

Run business reports

Note that the QuickBooks mobile app is compatible with QuickBooks Online (the QuickBooks cloud-based service) but not the traditional QuickBooks Desktop products.

The features available in the mobile app also vary depending on your QuickBooks Online plan.

FreshBooks

FreshBooks pitches itself as software that makes accounting easy, including invoicing, expenses, estimates, time tracking, projects, payments, clients, and reports.

Highlights include the ability to add automatic late fees to invoices, support for multiple languages and currencies, inventory control, automatic sales tax calculations, client relationship features, and PayPal integration for payments.

For a feature-by-feature comparison of FreshBooks pricing, visit their plan comparison page.

With the FreshBooks app you can:

Track your mileage	Track mileage automatically, categorize your trip, and view potential tax deductions
Create invoices	Create, edit, and send invoices using mobile invoice templates
Capture receipts	Take a picture of a receipt on your phone and the app will capture the merchant, totals, and taxes
Communicate with clients	View client questions and feedback in an invoice feed and answer them in the app
Get notifications	See when clients view or pay an invoice, when they ask a question or leave a comment, and when invoices become overdue

The features available in the app may depend on your plan.

Xero

Xero is a global cloud accounting software made for small businesses and sole traders.

Highlights include reconciling bank transactions, automated sales tax calculations, and the ability to create, manage and view W-9 and 1099s. Note that you’ll need to file your 1099s through one of the IRS authorized eFile apps that connect to Xero, instead of filing directly from Xero.

For US customers, their ‘Established’ plan also offers advanced cash flow predictions with Xero Analytics Plus.

At the time of this writing, Xero offers new customers a free one-month trial or discounted pricing for the first three months.

For a complete feature-by-feature comparison of Xero pricing, visit their plan comparison page.

With the Xero Accounting app you can:

Manage invoicing	Create and send quotes and invoices Void invoices Track invoice status and unpaid invoices
Track cash flow	View outstanding bills and invoices Monitor your profit and loss report (cash or accrual) Drill into profit and loss reports, to answer questions about sales and reporting
Manage spend	Add bills on the go and record spend as soon as it happens
Reconcile accounts and transactions	Reconcile business transactions with smart matches, rules, and suggestions Filter bank statements to match your preferred workflow Use sort and search tools to view business transactions and streamline reconciliation
Manage customer and supplier info	See vital contact information View how much is owed and add notes

Wave

Wave pitches itself as an easy money management solution for small business owners. Create custom invoices, accept online payments, and cover the accounting essentials.

At the time of this writing, Wave offers a free version with limited features.

Highlights include the ability to add payroll or bookkeeping services for a monthly fee, for both the free and paid versions.

For a complete feature-by-feature comparison of Wave pricing, visit their plan comparison page.

Note that capturing receipts in the mobile app is included for free in the Pro Plan, but it’s a paid add-on for users who have the free version.

With the Wave app you can:

Upgrade to the Pro Plan	Capture unlimited receipts Track expenses at no additional cost Accept online payments at a discounted rate Auto-import bank transactions Auto-merge and categorize bank transactions Add additional users to your account Automate late payment reminders Access live-person chat and email support
View your business dashboard	See business insights like profit and loss statements See invoicing metrics, like amounts overdue and upcoming payments Access accounting reports
Manage invoicing	Create and send customized invoices (with templates) Get notifications when you've been paid Check invoice status Record payments Send invoice reminders and payment receipts Accept all major credit cards and direct bank payments online Sync with your desktop Wave account
Handle estimates	Create and send custom estimates View your estimates Convert estimates into invoices
Scan receipts	Organize and manage receipts with the mobile app (subscription-based) Capture receipt details automatically using OCR technology Upload receipts from your desktop or via email Manage and categorize transactions

Acumatica

Acumatica pitches itself as a business management system that lets small and mid-sized companies access financials, inventory, sales, and purchases through cloud-based ERP (enterprise resource planning) software.

Rather than a single software application, Acumatica provides an integrated suite of applications from which companies can pick and choose, selecting what they need in categories like financial accounting, multi-entity accounting, payroll, project management, and customer relationship management (CRM).

At the time of this writing, Acumatica pricing is only available through a custom review by an Acumatica expert.

With the Acumatica app you can:

General features	Submit expenses by photographing receipts View reports and dashboards Enter time sheets Review and complete approvals
For support roles	Create and work on cases Add photos Take notes using voice to text
For sales roles	Manage contacts and opportunities Create sales orders Check order status
For purchasing roles	Manage purchase orders and receipts
For field service roles	Get driving directions Take notes using voice to text Enter inventory Look up past appointments Record time Take pictures from the job site

NetSuite

NetSuite pitches itself as an AI-powered business management suite that includes accounting/finance/ERP software, customer relationship management, and ecommerce.

Service categories include enterprise resource planning, accounting software, business management, customer relationship management, human resources, project management, ecommerce, analytics, and reporting.

At the time of this writing, NetSuite pricing is only available through a free product tour.

Note that the mobile app does not include customer, vendor, or partner center roles. Also, users with custom roles may require mobile device access permission to log in.

With the NetSuite app you can:

Manage records	View, create, and edit records including Custom records
View the dashboard	Including KPI metrics, scorecards, trend graphs, and report snapshots
Manage expenses	Track expenses , with receipt capture Create expense reports
Track time	Use the timer and create entries in NetSuite
Manage calendar	Includes list, week, and month views
Complete business actions	Approve sales orders and expense reports Convert estimates Accept customer payments Bill sales orders
Connect with customers	Map customer locations Initiate phone calls Respond to events

Sage Intacct

Sage Intacct pitches itself as cloud-based financials, operations, HR, payroll, and planning software.

Sage’s accounting offerings range from Sage 50 for small business through enterprise-grade multi-entity accounting. Mobile app capabilities may depend on the subscription service level.

At the time of this writing, Sage Intacct pricing is only available by request.

With the Sage Intacct app you can:

Invoicing	Create and send quotes and invoices Track paid and unpaid invoices Record invoice payments
Transactions	Enter money in and out, including categories and descriptions Add a contact and photo of a receipt or bill Record and view transactions offline Filter and search for transactions
Performance	See performance over the week, month, or year Compare performance month over month or year over year
Contacts	Import business contacts from phone Attach contacts to transactions View transactions by contact

How to choose the right mobile accounting apps for your business

Selecting the right small business accounting software and mobile accounting app requires careful consideration of your business's specific needs and workflows.

Start by evaluating your current accounting processes and identifying pain points that mobile apps could address. Consider factors like the volume of transactions you handle, the financial reporting you need, and whether you require industry-specific features like inventory management or project-based billing.

Integration capabilities should be a key consideration—your mobile accounting app should work seamlessly with your existing financial tools and banking relationships across multiple users.

Finally, consider the level of automation offered, as features like recurring invoices, automatic payment reminders, and scanning receipt photos can significantly reduce manual work and improve accuracy.

BILL mobile finance management for on-the-go businesses

No matter which accounting app you choose, BILL streamlines and automates your financial operations, helping you create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow—all on one platform.

It even integrates with several of the accounting software options above, including QuickBooks Online, NetSuite, Sage Intacct, and Xero.

Get instant notifications when bills need approval or payments have been processed, so you always know where your money is
Approve bills and invoices with just a few taps, keeping your business moving even when you're away from your desk
Monitor cash flow in real time with an intuitive dashboard that shows your upcoming bills and payments

At BILL, we understand that modern businesses need flexible, powerful financial tools that work wherever you do. That's why we've developed our mobile app with a laser focus on user needs, incorporating feedback from real businesses to create an intuitive, efficient mobile experience that puts financial control in your pocket.Our product philosophy centers on continuous improvement driven by user feedback. We regularly update our mobile app with new features and refinements based on how our customers actually use the app in their day-to-day operations.

This iterative approach ensures that our mobile solution evolves alongside your business needs, helping you work more efficiently and maintain better control over your finances.

Ready to experience mobile financial management built for the way you work? Download the BILL app today from the App Store or Google Play, and check out our latest updates on our What's New page to see how we're constantly improving your mobile experience.

See why our customers love our mobile app

‍“I would say about 60% of the invoices are approved through the BILL mobile app. The employees and managers are all far more responsive to approving through BILL because they can do it wherever they want.” — Larkin University

Author

Emily Taylor

Contributing writer, BILL

With a background in finance and over a decade of experience in business writing, Emily simplifies complex finance topics to help businesses streamline operations, manage cash flow, and make smarter financial decisions.