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.
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:
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:
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:
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:
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:
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:
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:
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:
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.
%20(1).png)
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
