True monthly cost of small-business software

The sticker price is rarely the bill. These pages add up the plan, extra users, add-ons and payment processing fees for a 1-, 3- and 10-person shop, using only each vendor's own pricing or help pages with the date we checked. If a vendor doesn't publish a number, we say Unknown instead of estimating.

More tools are added as their pricing pages are checked. Before you sign, use the free software cost and contract checklist. Or run your own numbers in the cost and fee calculators.