Accounting Software That Respects Your Privacy
A complete desktop accounting platform for freelancers, contractors, and small businesses. Your financial data never leaves your computer.
Your Whole Business at a Glance
Privacy-first desktop accounting and payroll for freelancers, contractors, and small businesses. Your books live on your own machine — not in the cloud.
Invoicing & Payments
Professional invoices with full lifecycle tracking from draft to paid. Generate PDFs, email directly to clients, and accept online payments through Stripe.
- Recurring invoices with flexible scheduling
- Automated late fees and payment reminders
- Estimates with one-click conversion to invoices
- Multi-currency support with exchange rates
Full Payroll for All 50 States
Run payroll with automatic tax calculations for federal, state, and local jurisdictions. W-4 withholding, W-2 generation, FICA, FUTA, and SUTA — all built in.
- Multi-step pay run wizard with review and approval
- State tax tables for all 50 states + DC
- W-2 generation and 1099-NEC reporting
- S-Corp shareholder health insurance tracking
15 Financial Reports
Every report a small business needs to understand its finances and stay compliant — profit & loss, balance sheet, cash flow, aging, tax liability, and more.
- Profit & loss, balance sheet, and cash flow
- AR and AP aging reports
- Sales tax liability and filing summaries
- Export to PDF and CSV
Banking & Reconciliation
Import transactions via CSV or OFX, or sync automatically through SimpleFIN. Smart matching suggestions make reconciliation fast and painless.
- SimpleFIN integration for automatic bank sync
- Duplicate detection on import
- Checking, savings, credit, and loan accounts
- Smart transaction categorization
The Complete Feature Set
Everything from time tracking to receipt OCR to inventory to optional payroll.
Dashboard & KPIs
Revenue, expenses, cash flow projections, and aging charts at a glance.
Invoicing
Full lifecycle with PDF generation, email delivery, and payment links.
Estimates
Professional quotes with one-click conversion to invoices.
Recurring Invoices
Template-based billing on weekly, monthly, or custom schedules.
Bills & Expenses
Track payables, allocate to accounts, and attach documentation.
Purchase Orders
Full PO lifecycle with goods receipt tracking and bill conversion.
Payroll
All 50 states, W-2s, 1099s, FICA, FUTA, SUTA, and local taxes.
General Ledger
Chart of accounts with hierarchy, journal entries, and trial balance.
Bank Reconciliation
CSV/OFX import, SimpleFIN sync, matching, and categorization.
Inventory
Stock tracking, reorder points, adjustments, and low-stock alerts.
Time Tracking
Multi-timer support with billable classification and invoice conversion.
Mileage Tracking
IRS rate support, vehicle management, and reimbursement workflows.
Project Management
Budget tracking, employee assignment, and per-project billing rates.
Receipt OCR
Tesseract-powered data extraction from uploaded receipt images.
15 Financial Reports
P&L, balance sheet, cash flow, aging, tax liability, and more.
Multi-Currency
Exchange rate tracking with per-customer and per-invoice currency.
Custom Report Builder
Design and save your own reports over invoices, bills, ledger, time, and payroll — pick columns, filters, grouping, and totals, then export to CSV. Read-only, no formulas or SQL.
Multiple Companies
Manage unlimited companies on one license, each with fully isolated books. Switch instantly from the sidebar.
Job Costing
Tag invoices and bills to a project and see per-job profitability, including unbilled time as work-in-progress.
Pay Once. Own It Forever.
No subscriptions, no monthly fees, no data collection. One purchase, lifetime free updates for basic accounting module, optional payroll module.
indiAccounting
Full accounting without payroll
One-time purchase
- Invoicing, estimates & recurring billing
- General ledger & chart of accounts
- Banking, reconciliation & SimpleFIN
- All 15 financial reports
- Time, mileage & project tracking
- Inventory, products & services
+ indiPayroll
Add payroll for 1–10 employees
$548 total, with indiAccounting base.
One-time add-on · $99/yr tax table updates
- Federal & all 50 state tax calculations
- W-4 withholding & W-2 generation
- FICA, FUTA & SUTA
- Multi-step pay run wizard
- 1099-NEC contractor reporting
- Local income tax support
+ Payroll Growth
Scale payroll as your team grows
$748 total, with indiAccounting base.
Purchase Payroll 11-50$1,048 total, with indiAccounting base.
Purchase Payroll 51-100One-time add-on · $99/yr tax table updates
- Everything in the 1–10 tier
- Scales with your business
- Upgrade tiers anytime — pay the difference
- 100+ employees: contact for pricing
The Math Speaks for Itself
3-year total cost of ownership for a 10-employee business.
| indiAccounting + Payroll | QuickBooks Online + Payroll | Gusto + Xero | |
|---|---|---|---|
| Year 1 | $647 | ~$2,640 | ~$3,000 |
| Year 2 | $99 | ~$2,640 | ~$3,000 |
| Year 3 | $99 | ~$2,640 | ~$3,000 |
| 3-Year Total | $845 | ~$7,920 | ~$9,000 |
Frequently Asked Questions
Get indiAccounting
Privacy-first desktop accounting and payroll. Download now and try it free for 30 days.
Prefer automatic updates? Install from our repository:
Need help getting started? Read the documentation.
Your Books. Your Computer. Your Rules.
Stop paying monthly rent on software you should own.