Three plans, priced per workspace.
ReckonOS costs $49, $99 or $199 a month, or $39, $79 or $159 a month billed yearly. Try every feature for 7 days for $7. On day 7 your chosen plan starts unless you cancel, which you can do any time from Settings > Billing.
Plans
-
Starter
For a freelancer or consultant working alone.
We recommend Starter if you work alone and take client payments through one gateway.
$49 a month
$39 a month, billed yearly
Or $39 a month billed yearly ($468).
$468 a year instead of $588: you save $120 (20%).
Try Starter for $7 for 7 days- 1 user, plus a free accountant seat
- 1 payment gateway plus bank transfer
- 50 receipt scans a month
- Recurring invoices
-
Pro
Our pick for agenciesFor an agency or studio of 2 to 10 people that needs true margin on every project.
We recommend Pro for agencies of 2 to 10 people who need to see the margin on every project.
$99 a month
$79 a month, billed yearly
Or $79 a month billed yearly ($948).
$948 a year instead of $1,188: you save $240 (20%).
Try Pro for $7 for 7 days- Everything in Starter
- Up to 10 users, plus free accountant seats
- 3 payment gateways plus bank transfer
- 500 receipt scans a month
- True margin per project (cost of execution)
- Weekly money digest by email
- Send invoices from your own email domain
-
Studio
For larger studios of up to 50 people whose client invoices carry only their brand.
We recommend Studio if you need more than 10 users or 3 gateways, or invoices that carry only your brand.
$199 a month
$159 a month, billed yearly
Or $159 a month billed yearly ($1,908).
$1,908 a year instead of $2,388: you save $480 (20%).
Try Studio for $7 for 7 days- Everything in Pro
- Up to 50 users, plus free accountant seats
- 8 payment gateways plus bank transfer
- 2,000 receipt scans a month
- Remove the small “Prepared with ReckonOS” mark from client invoices
Prices in US dollars in every country. VAT or sales tax may be added at checkout where it applies. Payment is taken by Paddle (our merchant of record), Paystack, Flutterwave or a crypto processor, depending on your country and choice; ReckonOS never stores card details.
The $7 trial terms.
What you pay, when, and how to stop. The same terms appear at checkout.
- Today
- You pay $7. You get 7 days with every feature open, at Studio limits. You choose the plan you want to continue on.
- Day 7
- The day before, we email you the date and the price. On day 7 your chosen plan starts and we charge its price to the card you used for the trial: Starter $49 a month or $468 a year; Pro $99 a month or $948 a year; Studio $199 a month or $1,908 a year.
- After that
- The plan renews at the same price every month or year until you cancel. Yearly plans get an email 30 days before they renew.
- Cancelling
- Any time, from Settings > Billing: choose Cancel plan, then confirm. No call, form or email. Cancel during the trial and you are not charged again; after that, you keep access to the end of the period you paid for.
- Refunds
- The $7 is your first payment, so the 30-day refund window starts today. Ask within it and we refund everything you have paid us, including your first plan payment.
- Tax at checkout
- Prices exclude VAT or sales tax. Where your country requires it, it is added at checkout and shown before you pay.
Compare plans
Every plan has all 15 templates, every tax rule, unlimited clients and invoices, and no fee on what your clients pay you.
| What you get | Starter | Pro | Studio |
|---|---|---|---|
| Billed monthly | $49 / month | $99 / month | $199 / month |
| Billed yearly | $468 / year ($39 a month) | $948 / year ($79 a month) | $1,908 / year ($159 a month) |
| Users (accountant seats are free) | 1 | Up to 10 | Up to 50 |
| Receipt scans a month | 50 | 500 | 2,000 |
| Connected payment gateways | 1 | 3 | 8 |
| Recurring invoices | Included | Included | Included |
| True margin per project (cost of execution) | Not included | Included | Included |
| Weekly money digest by email | Not included | Included | Included |
| Send invoices from your own email domain | Not included | Included | Included |
| Remove the small “Prepared with ReckonOS” mark from client invoices | Not included | Not included | Included |
| All 15 invoice templates with your logo | Included | Included | Included |
| Unlimited clients and invoices | Included | Included | Included |
| Client payment portal for every invoice | Included | Included | Included |
| Tax worked out per invoice (VAT, GST, reverse charge) | Included | Included | Included |
| Tax Reserve Vault estimate | Included | Included | Included |
| Milestone billing and time tracking | Included | Included | Included |
| No ReckonOS fee on client payments | Included | Included | Included |
Every plan applies the same tax rules: United States, United Kingdom, European Union, Canada, Australia and Nigeria. Limits come from the same plan catalogue the app enforces.
Estimates based on the rules for the United States, the United Kingdom, the EU, Canada, Australia and Nigeria as of November 2026. Check with your accountant. Sources: IRS Form 1040-ES (opens in a new tab); IRS Publication 505 (opens in a new tab); GOV.UK VAT rates (opens in a new tab); European Commission VAT rates (opens in a new tab); CRA GST/HST rates (opens in a new tab); ATO GST (opens in a new tab); Nigeria Tax Act 2025, s.147 (opens in a new tab).
What ReckonOS costs next to other tool stacks
ReckonOS puts invoicing, a tax reserve estimate, project margin, a client portal and receipt scanning in one tool. It is not always the cheapest way to get those jobs done, so this starts with the cheapest stack we could verify. List prices from each vendor’s own pricing page, checked on 10 November 2026, excluding tax and payment fees.
Solo freelancer: cheapest verified stack
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Invoicing, client portal, time, expenses | Invoice Ninja Ninja Pro (pricing page, opens in a new tab) Unlimited clients; extra users not stated | $14 | $11.67 $140 a year ÷ 12 |
| Bookkeeping | Wave Starter (pricing page, opens in a new tab) Owner, plus free payroll manager or tax pro access | $0 | $0 |
| Receipt capture | Wave Receipts add-on (on Starter) (pricing page, opens in a new tab) Add-on | $11 | $8 $96 a year ÷ 12 |
| This stack, a month | $25 | $19.67 | |
| ReckonOS Starter, a month | $49 | $39 | |
Billed monthly, ReckonOS Starter costs $24 more than this stack. Billed yearly, it costs $19.33 more than it.
Sum: $14 + $0 + $11 = $25 a month billed monthly; $11.67 + $0 + $8 = $19.67 a month at yearly rates.
- Wave Starter is bookkeeping software, which ReckonOS is not.
- For one person, ReckonOS Starter costs more than the cheapest verified mix of tools and more than FreshBooks Plus, and less than a four-tool stack. The case for it is one tool for invoicing, the tax reserve, margin, the client portal and receipts, not the lowest price.
Solo freelancer: all-in-one rival
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Invoicing, time, client portal, receipt scanning | FreshBooks Plus (pricing page, opens in a new tab) Base plan, 50 billable clients | $43 | $38.70 $464.40 a year ÷ 12 |
| This stack, a month | $43 | $38.70 | |
| ReckonOS Starter, a month | $49 | $39 | |
Billed monthly, ReckonOS Starter costs $6 more than this stack. Billed yearly, it costs $0.30 more than it.
Sum: $43 = $43 a month billed monthly; $38.70 = $38.70 a month at yearly rates.
- FreshBooks Plus caps billable clients at 50.
- For one person, ReckonOS Starter costs more than the cheapest verified mix of tools and more than FreshBooks Plus, and less than a four-tool stack. The case for it is one tool for invoicing, the tax reserve, margin, the client portal and receipts, not the lowest price.
Solo freelancer: typical four-tool stack
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Accounting and invoicing | QuickBooks Online (US) Simple Start (pricing page, opens in a new tab) Per company, 1 user plus 2 accountants | $38 | $38 no yearly rate; monthly price used |
| Time tracking | Harvest Teams (pricing page, opens in a new tab) Per seat, “starting from” | $11 | $9 $108 a seat a year ÷ 12 |
| Client portal | Assembly (formerly Copilot) Starter (pricing page, opens in a new tab) 1 internal user, 50 active contacts | $49 | $29 |
| Receipt capture | Expensify Collect (pricing page, opens in a new tab) Per unique member, monthly, no annual contract | $5 | $5 no yearly rate; monthly price used |
| This stack, a month | $103 | $81 | |
| ReckonOS Starter, a month | $49 | $39 | |
Billed monthly, ReckonOS Starter costs $54 less than this stack. Billed yearly, it costs $42 less than it.
Sum: $38 + $11 + $49 + $5 = $103 a month billed monthly; $38 + $9 + $29 + $5 = $81 a month at yearly rates.
- QuickBooks is double-entry accounting, which ReckonOS is not. Harvest prices are “starting from”.
- For one person, ReckonOS Starter costs more than the cheapest verified mix of tools and more than FreshBooks Plus, and less than a four-tool stack. The case for it is one tool for invoicing, the tax reserve, margin, the client portal and receipts, not the lowest price.
Agency of 5: cheapest verified stack
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Accounting, invoicing, multi-currency, projects and time | Xero (US) Established (pricing page, opens in a new tab) Per organization, no per-user fees | $97 | $97 no yearly rate; monthly price used |
| Client portal | Assembly (formerly Copilot) Starter (pricing page, opens in a new tab) 1 internal user, 50 active contacts | $49 | $29 |
| This stack, a month | $146 | $126 | |
| ReckonOS Pro, a month | $99 | $79 | |
Billed monthly, ReckonOS Pro costs $47 less than this stack. Billed yearly, it costs $47 less than it.
Sum: $97 + $49 = $146 a month billed monthly; $97 + $29 = $126 a month at yearly rates.
- Xero is double-entry accounting, which ReckonOS is not. Assembly Starter allows one internal user and 50 active contacts.
- For five people, ReckonOS Pro costs less than the Xero Established and Assembly Starter stack and the four-tool stack. Billed monthly it costs more than FreshBooks Plus with four team members; billed yearly it costs slightly less. Xero includes full accounting that ReckonOS does not.
Agency of 5: all-in-one rival
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Invoicing, time, client portal, receipt scanning | FreshBooks Plus (pricing page, opens in a new tab) Base plan, 50 billable clients | $43 | $38.70 $464.40 a year ÷ 12 |
| Four more team members | FreshBooks Team member (pricing page, opens in a new tab) Per extra user, a month; no yearly rate published | 4 × $11 = $44 | 4 × $11 = $44 no yearly rate; monthly price used |
| This stack, a month | $87 | $82.70 | |
| ReckonOS Pro, a month | $99 | $79 | |
Billed monthly, ReckonOS Pro costs $12 more than this stack. Billed yearly, it costs $3.70 less than it.
Sum: $43 + $44 = $87 a month billed monthly; $38.70 + $44 = $82.70 a month at yearly rates.
- Assumes the FreshBooks base plan covers the owner only (the page does not say). No yearly team-member rate is published, so $11 is used in both columns. Plus caps billable clients at 50.
- For five people, ReckonOS Pro costs less than the Xero Established and Assembly Starter stack and the four-tool stack. Billed monthly it costs more than FreshBooks Plus with four team members; billed yearly it costs slightly less. Xero includes full accounting that ReckonOS does not.
Agency of 5: typical four-tool stack
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Accounting and invoicing | QuickBooks Online (US) Plus (pricing page, opens in a new tab) Per company, 5 users plus 2 accountants | $140 | $140 no yearly rate; monthly price used |
| Time tracking, 5 seats | Harvest Teams (pricing page, opens in a new tab) Per seat, “starting from” | 5 × $11 = $55 | 5 × $9 = $45 $108 a seat a year ÷ 12 |
| Client portal | Assembly (formerly Copilot) Starter (pricing page, opens in a new tab) 1 internal user, 50 active contacts | $49 | $29 |
| Receipt capture, 5 members | Expensify Collect (pricing page, opens in a new tab) Per unique member, monthly, no annual contract | 5 × $5 = $25 | 5 × $5 = $25 no yearly rate; monthly price used |
| This stack, a month | $269 | $239 | |
| ReckonOS Pro, a month | $99 | $79 | |
Billed monthly, ReckonOS Pro costs $170 less than this stack. Billed yearly, it costs $160 less than it.
Sum: $140 + $55 + $49 + $25 = $269 a month billed monthly; $140 + $45 + $29 + $25 = $239 a month at yearly rates.
- Assembly Starter allows one internal user; giving all five portal access needs a higher tier whose price we could not verify, so this total is understated.
- For five people, ReckonOS Pro costs less than the Xero Established and Assembly Starter stack and the four-tool stack. Billed monthly it costs more than FreshBooks Plus with four team members; billed yearly it costs slightly less. Xero includes full accounting that ReckonOS does not.
Studio of 15: cheapest verified stack
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Accounting, invoicing, multi-currency, projects and time | Xero (US) Established (pricing page, opens in a new tab) Per organization, no per-user fees | $97 | $97 no yearly rate; monthly price used |
| Client portal | Assembly (formerly Copilot) Starter (pricing page, opens in a new tab) 1 internal user, 50 active contacts | $49 | $29 |
| This stack, a month | $146 | $126 | |
| ReckonOS Studio, a month | $199 | $159 | |
Billed monthly, ReckonOS Studio costs $53 more than this stack. Billed yearly, it costs $33 more than it.
Sum: $97 + $49 = $146 a month billed monthly; $97 + $29 = $126 a month at yearly rates.
- Xero is double-entry accounting, which ReckonOS is not. Assembly Starter allows one internal user and 50 active contacts.
- For fifteen people, ReckonOS Studio costs more than the Xero Established and Assembly Starter stack, because Xero does not charge per user. It costs less than FreshBooks Premium with fourteen team members and less than the four-tool stack.
Studio of 15: all-in-one rival
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Invoicing, time, client portal, receipt scanning | FreshBooks Premium (pricing page, opens in a new tab) Base plan, unlimited billable clients | $70 | $63 $756.00 a year ÷ 12 |
| Fourteen more team members | FreshBooks Team member (pricing page, opens in a new tab) Per extra user, a month; no yearly rate published | 14 × $11 = $154 | 14 × $11 = $154 no yearly rate; monthly price used |
| This stack, a month | $224 | $217 | |
| ReckonOS Studio, a month | $199 | $159 | |
Billed monthly, ReckonOS Studio costs $25 less than this stack. Billed yearly, it costs $58 less than it.
Sum: $70 + $154 = $224 a month billed monthly; $63 + $154 = $217 a month at yearly rates.
- Same owner-seat assumption as above; no yearly team-member rate is published, so $11 is used in both columns.
- For fifteen people, ReckonOS Studio costs more than the Xero Established and Assembly Starter stack, because Xero does not charge per user. It costs less than FreshBooks Premium with fourteen team members and less than the four-tool stack.
Studio of 15: typical four-tool stack
| Job | Tool and plan | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Accounting and invoicing (Plus caps at 5 users) | QuickBooks Online (US) Advanced (pricing page, opens in a new tab) Per company, 25 users plus 3 accountants | $340 | $340 no yearly rate; monthly price used |
| Time tracking, 15 seats | Harvest Teams (pricing page, opens in a new tab) Per seat, “starting from” | 15 × $11 = $165 | 15 × $9 = $135 $108 a seat a year ÷ 12 |
| Client portal | Assembly (formerly Copilot) Starter (pricing page, opens in a new tab) 1 internal user, 50 active contacts | $49 | $29 |
| Receipt capture, 15 members | Expensify Collect (pricing page, opens in a new tab) Per unique member, monthly, no annual contract | 15 × $5 = $75 | 15 × $5 = $75 no yearly rate; monthly price used |
| This stack, a month | $629 | $579 | |
| ReckonOS Studio, a month | $199 | $159 | |
Billed monthly, ReckonOS Studio costs $430 less than this stack. Billed yearly, it costs $420 less than it.
Sum: $340 + $165 + $49 + $75 = $629 a month billed monthly; $340 + $135 + $29 + $75 = $579 a month at yearly rates.
- Assembly Starter allows one internal user and 50 active contacts, so this total is understated for a studio.
- For fifteen people, ReckonOS Studio costs more than the Xero Established and Assembly Starter stack, because Xero does not charge per user. It costs less than FreshBooks Premium with fourteen team members and less than the four-tool stack.
Prices checked on 10 November 2026. Prices may change. Check the vendor’s site for current pricing. List prices, not introductory offers; payment-processing fees, payroll and tax are left out for every tool, including ReckonOS. ReckonOS caps users (1, 10, 50), payment gateways (1, 3, 8) and receipt scans (50, 500 or 2,000 a month) by plan, and it is not double-entry accounting: it works alongside your accountant, who gets reports and exports. Sources: invoiceninja.com/pricing-plans (opens in a new tab); waveapps.com/pricing (opens in a new tab); freshbooks.com/pricing and freshbooks.com/2026-faq-price-change (opens in a new tab); quickbooks.intuit.com/pricing (opens in a new tab); getharvest.com/pricing (opens in a new tab); assembly.com/pricing (opens in a new tab); help.expensify.com billing overview (opens in a new tab); xero.com/us/pricing-plans (opens in a new tab).
Compare one tool at a time: ReckonOS compared.
Refunds and cancellation
First payment: 30 days
The 30 days start from your first payment, the $7 trial fee. Ask within them and we refund everything you have paid us, including your first plan payment, monthly or yearly. Payments made in cryptocurrency are not refundable.
Yearly plans
We email you 30 days before a yearly plan renews. If it renews and you did not mean it to, ask within 14 days of the charge for a full refund.
Monthly plans
Cancel any time. Your plan runs to the end of the month you have paid for and does not renew. We do not refund part-months.
How to ask
Email [email protected] from the address on your account. Full details are on the refunds page.
Pricing questions
Which plan should I choose?
Our recommendation: We recommend Starter if you work alone and take client payments through one gateway. We recommend Pro for agencies of 2 to 10 people who need to see the margin on every project. We recommend Studio if you need more than 10 users or 3 gateways, or invoices that carry only your brand. You can change plan from Settings > Billing at any time, including during the trial.
What happens at the end of the 7-day trial?
On day 7 the plan you picked starts and we charge its price to the card you used for the trial: Starter $49, Pro $99, Studio $199 a month, or Starter $468, Pro $948, Studio $1,908 a year if you chose yearly billing. It then renews at the same price every month or year until you cancel. Cancel before day 7 and you are not charged again.
How do I cancel?
Go to Settings > Billing, choose Cancel plan, then confirm. There is no call, form or email to send. You keep full access until the end of the trial or the period you have paid for, and nothing more is charged.
What is your refund policy?
Ask within 30 days of your first payment, which is the $7 trial fee, and we refund everything you have paid us in that time, including your first plan payment. We remind you 30 days before a yearly plan renews, and refund a renewal in full if you ask within 14 days of the charge. Monthly plans stop at the end of the month you have paid for; we do not refund part-months. Payments made in cryptocurrency are not refundable. Email [email protected].
Is VAT or sales tax added to the price?
It can be. Prices are in US dollars for every country, including Nigeria, and exclude VAT or sales tax, which is added at checkout where your country requires it. On payments through Paystack, Flutterwave or crypto, customers in Nigeria pay 7.5% Nigerian VAT as a separate line and customers elsewhere pay none. Paddle works out the tax on payments it takes. You see the full amount before you pay.
How can I pay for ReckonOS?
By card or crypto, always in US dollars. Your billing country, which is the tax country set for your workspace, decides which card provider you use: Paddle, our merchant of record for its payments, or Paystack or Flutterwave, where Digital Elixir Ltd is the seller. Crypto, through NOWPayments or CoinGate, pays for a month or a year up front; it cannot be used for the $7 trial, but it can start a full paid period without one. Payments made in cryptocurrency are not refundable.
Do accountants need a paid seat?
No. Invite your accountant or bookkeeper with the Accountant role and they do not count toward your plan’s users.
Does ReckonOS take a cut of my client payments?
No. Clients pay through your own Stripe, Paystack, PayPal, Flutterwave or crypto gateway account, so the money goes straight to you. Your gateway charges its usual fees; ReckonOS adds nothing on top.
Which tax rules does each plan cover?
All of them, on every plan: the United States, the United Kingdom, the European Union, Canada, Australia and Nigeria (VAT at 7.5%, exported services zero-rated). Plans differ in users, gateways, receipt scans and features, not in tax coverage.
Can I switch between monthly and yearly billing?
Yes, from Settings > Billing. Yearly billing costs 20% less than twelve monthly payments on every plan. During the trial, the change sets which plan starts on day 7.
Does ReckonOS store my card?
No. You enter your card on the payment provider’s own page (Paddle, Paystack or Flutterwave), and the provider keeps it to charge renewals. ReckonOS never sees or stores your card number.
Try every feature for a week.
Set up your workspace, add your logo and send an invoice in your own template. Every feature is open during the trial.
$7 today for 7 days of full access. On day 7 Pro starts at $99 a month (or $948 a year) unless you cancel first. Cancel any time from Settings > Billing. VAT or sales tax may be added at checkout.