Choose QuickBooks if
Your accountant already works in it, you want a large catalogue of connected apps, and you need your books this month.
Centilio LedgerLayered record
CENTILIO LEDGER / MONEY
Compare small business accounting software, including where we lose.
Three tools small businesses already keep their books in, set beside Ledger as designed. Each of them ships today and Ledger does not, and every table says so in its last row. We compare what stays true — what each tool is, where its entries come from, how it charges — and leave list prices to the vendors.
not shipped · wave 3as of research in 2026pricing models, not pricescorrections welcome
Product design preview · Ledger has not shipped. All features, screens and prices are proposals.
Ledger has not shipped yet.
Everything on these pages — the screens, the features, the prices — is Centilio Ledger as designed. Ledger has not shipped: it sits in the third wave of Centilio tools, and there is no app, no beta and no launch date yet. We would rather set out the whole design and say so plainly than publish a thin page and let you guess. Join the waitlist and you will hear first; if you need an invoice today, the free invoice generator works now, with no sign-up.
Comparisons
Pick the one you use today.
Three tools small businesses already keep their books in, each set beside Ledger on its own page.
Side by side
Four tools, compared on what stays true.
Checked against the vendors’ public pages during research in 2026. We compare how each tool charges, not what it charges, because list prices move; if something here is out of date, tell us and we will correct it.
| Centilio Ledger | QuickBooks Online | FreshBooks | TallyPrime | |
|---|---|---|---|---|
| What it is | Bookkeeping inside a business suite, built from invoices, expenses and bank lines | Cloud bookkeeping for small businesses, from Intuit | Invoicing and accounting in the cloud, built around service businesses | Accounting, inventory and GST compliance from Tally Solutions |
| Built for | Owners who want the books kept, and the advisers who sign them off | Small businesses and their accountants | Freelancers and service businesses that bill clients for time and projects | Indian businesses and the CAs who work with them |
| Where it runs | In the browser (designed) | In the browser, with mobile apps | In the browser, with mobile apps | Windows desktop, with add-ons for remote access |
| Where entries come from | Bill, Spend, Pay and bank feeds, reviewed in one queue | Bank feeds, its own invoicing and connected apps | Its own invoices, expenses and time tracking, plus bank connections | Vouchers entered or imported, plus its own invoicing |
| Pricing model | Per business, proposed: Free, then $19 a month | Tiered monthly plans, each including a set number of users | Tiered plans, client limits on the lower tiers, a monthly fee for each extra team member | A licence bought once per edition, single-user or multi-user, plus a yearly renewal for updates |
| Availability | Not shipped — wave 3, in design | Shipped and mature | Shipped and mature | Shipped and long established |
Choose
Where each one fits.
Choose FreshBooks if
You bill clients for time and projects, invoicing is most of your bookkeeping, and you need it today.
Choose TallyPrime if
You are in India, your CA already works in it, you keep inventory in the same books, and a Windows desktop suits you.
Choose Ledger if
You want the books built from invoices, expenses and payroll the business already records, one price for everyone including your accountant, and you can wait for wave 3.
If you switch
Switching, later, without a big move.
- Pick a clean start date — the first day of a month or of a financial year — rather than moving years of history.
- Bring opening balances and open invoices, not every old transaction, and keep the old tool read-only for the years before.
- Run both for one month. Close it in Ledger, compare the reports with the old tool, and stop only when they agree.
- Ask your accountant to check the first month-end before the whole team moves.
Questions
About comparing and switching.
Is Ledger better than these tools?
Not today, because it does not exist yet and they do. We think the design suits a business whose invoices, expenses and payroll already live in Centilio; for many other businesses, any of the three may be the right answer now.
Why no competitor prices?
Because prices change more often than pages do, and a wrong price is worse than none. We compare the pricing model — tiered plans with user limits, a fee per team member, a licence bought once — as of research in 2026, and each vendor’s page has today’s figures.
Can your accountant keep using their own tools?
Yes. Ledger is designed to export every ledger, the trial balance and the reports to spreadsheet and CSV files, and to give your accountant a login of their own.
Can I move my history later?
You do not have to move it at all. Start from opening balances on a clean date, keep the old tool read-only for earlier years, and bring history across only if your adviser asks for it.
Does Ledger handle inventory?
Not as designed today. Stock is planned as its own Centilio tool in a later wave, so a business that keeps inventory in its books may be better served now by a tool that does both.
Something here is wrong. Who do I tell?
Us, through the contact page. Corrections to a comparison are published as soon as we have checked them.
Hear first when Ledger opens.
Ledger is in the third wave, after Bill, with Spend and Pay beside it. Join the waitlist and you will hear before the announcement. Tell us how you keep the books today and what your year-end looks like; the awkward requirements shape the design most.