QuickBooks Online

QuickBooks Online Purchasin​​g Options: Which Plan is Right for You?

Team members exploring QuickBooks Online options

From small startups to growing enterprises, QuickBooks Online provides scalable solutions to help manage finances efficiently. However, with four different plans available, it can be challenging to determine which one is best suited for your business. Each plan comes with its own set of features and pricing, making it essential to carefully evaluate your requirements before making a decision.

Let’s explore the four QuickBooks Online plans—Simple Start, Essentials, Plus, and Advanced. By understanding the pricing and key features of each plan, as well as the specific scenarios where each is most beneficial, you can make an informed choice that supports your business’s financial management needs.

QuickBooks Online Plans Overview

QuickBooks Online offers four distinct plans: Simple Start, Essentials, Plus, and Advanced. Each plan is designed to cater to different business sizes and requirements, providing a range of features from basic accounting to advanced financial management tools. Here’s a brief overview of what each plan offers.

Simple Start

QuickBooks Online Simple Start is the most basic plan, priced at $30 per month. It includes essential features such as income and expense tracking, invoicing, and reporting. This plan allows for one user and provides access to basic tools needed to manage the financial aspects of a small business. Users can also take advantage of mobile app access and integration with various third-party applications.

When to Use Simple Start

Simple Start is ideal for sole proprietors, freelancers, and small businesses with straightforward accounting needs. If you’re just starting out and need a simple, cost-effective solution to manage your finances, Simple Start provides all the necessary tools without overwhelming you with advanced features you might not use. This plan is particularly useful for businesses that primarily need to track income and expenses, create invoices, and run basic financial reports.

Additionally, Simple Start is suitable for those who are new to accounting software and prefer a user-friendly interface with easy-to-navigate features. It offers enough functionality to manage essential financial tasks while keeping costs low, making it an excellent entry-level option.


QuickBooks Online Essentials is priced at $60 per month and includes all the features of Simple Start, plus additional functionalities. It supports up to three users and offers bill management, time tracking, and enhanced reporting capabilities. Essentials is designed to provide a more comprehensive financial management solution for growing businesses that require more advanced tools.

When to Use Essentials

Essentials is ideal for small to medium-sized businesses that have outgrown the basic features of Simple Start. If your business involves managing bills, tracking time for projects, and requires multi-user access, Essentials provides the necessary tools to handle these tasks efficiently. This plan is suitable for businesses with a more complex financial structure that need to track accounts payable and monitor cash flow closely.

Businesses that have multiple employees involved in financial tasks will benefit from the multi-user access, enabling collaboration and efficient management of financial data. Essentials offers a good balance of features and pricing, making it a practical choice for businesses ready to take their financial management to the next level.


QuickBooks Online Plus costs $90 per month and includes all the features of Essentials, along with advanced functionalities such as inventory tracking, project profitability tracking, and the ability to create and manage budgets. Plus supports up to five users, making it suitable for businesses with more complex accounting needs.

When to Use Plus

Plus is ideal for businesses that need comprehensive accounting solutions, including inventory management and project tracking. If your business involves selling products and requires inventory tracking, Plus offers the tools to manage stock levels, track costs, and generate detailed inventory reports. This plan is also beneficial for businesses that need to monitor project profitability and manage budgets to control expenses.

Additionally, Plus is suitable for businesses that require more extensive reporting and analysis capabilities. The ability to create budgets and track performance against them helps businesses plan and make informed financial decisions. Plus offers a robust set of features that cater to the needs of growing businesses with more sophisticated accounting requirements.

See how Essentials and Plus compare.


QuickBooks Online Advanced is the most feature-rich plan, priced at $200 per month. It includes all the features of Plus, along with advanced tools such as enhanced custom reporting, dedicated account manager, premium customer support, and the ability to manage up to 25 users. Advanced is designed for larger businesses that need powerful financial management tools and support.

When to Use Advanced

Advanced is ideal for larger businesses with complex financial management needs. If your business requires advanced reporting capabilities, custom user permissions, and dedicated support, Advanced provides the necessary tools to meet these demands. This plan is suitable for businesses that need to handle a high volume of transactions, manage multiple users, and require in-depth financial analysis.

Businesses that prioritize advanced security features, detailed customization options, and premium support will benefit from the Advanced plan. The dedicated account manager and enhanced support ensure that you receive personalized assistance, helping you maximize the benefits of QuickBooks Online.

Explore the benefits of QuickBooks Online Advanced not available in the other plans.

How to Choose the Right Plan

Choosing the right QuickBooks Online plan depends on various factors specific to your business needs. Here are some tips to help you make the right decision:

  • Evaluate Your Current Needs: Assess your current accounting requirements, including the number of users, necessary features, and budget. Choose a plan that meets your immediate needs without overcommitting to features you may not use.
  • Consider Future Growth: Think about your business’s growth trajectory and future needs. Opt for a plan that can scale with your business, offering additional features and user capacity as you expand.
  • Test the Features: Take advantage of free trials or demos to explore the features of each plan. This hands-on experience will help you understand how the software works and whether it meets your needs.
  • Consult with Your Accountant: Discuss your options with your accountant or financial advisor. Their expertise can provide valuable insights into which plan will best support your financial management processes.
  • Compare Costs and Benefits: Analyze the cost of each plan relative to the features offered. Ensure that the plan you choose provides good value for money and aligns with your budget constraints.
  • Read User Reviews: Research user reviews and testimonials to learn about the experiences of other businesses. This feedback can provide a realistic perspective on the strengths and weaknesses of each plan.

For more information, head to our guide to choosing the best QuickBooks Online version.


If you’re ready to subscribe to QuickBooks Online and want to ensure you choose the right plan, the Paygration team is here to help. We offer free consultation, exclusive discounts, and ongoing support to make your transition to QuickBooks Online smooth and efficient. Take advantage of our resources and expertise to enhance your financial management and drive your business forward. To get started, simply call us at 866-949-7267 or click the link below.

Have Questions? Need Help?

If you have any questions about the features of QuickBooks Online, you can give us a call at 866-949-7267 and one of our experts can walk you through the details. 

Not using QuickBooks Online? Try it for 30 days FREE!

Just register for the free trial below and we will send you everything you need to evaluate QuickBooks Online including 30-day access, the full 76-page QuickBooks Online Guide (details everything that you can do in the software) plus the video training library.  Free end-to-end consultation and support are included so if you need any help along the way, just let us know!

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