What QuickBooks Online really costs per month
The full monthly bill for a 1-, 3- and 10-person shop: the plan, users, add-ons and payment processing fees. Plan prices come from QuickBooks' own pricing page and payment fees from QuickBooks' payment rates page, both checked 2026-11-02. Prices are in US dollars.
Plan price by team size
Each QuickBooks Online plan lists a set number of users: Simple Start 1, Essentials 3, Plus 5 and Advanced 25. The pricing page doesn't show a price for adding users beyond that, so a team bigger than the plan's limit says Unknown instead of a guess. These are the regular monthly prices.
| Team | Simple Start | Essentials | Plus | Advanced |
|---|---|---|---|---|
| 1 user | $38/mo 1 user included | $85/mo 3 users included | $140/mo 5 users included | $340/mo 25 users included |
| 3 users | Unknown: Simple Start lists 1 user and the page doesn't show an extra-user price | $85/mo 3 users included | $140/mo 5 users included | $340/mo 25 users included |
| 10 users | Unknown: Simple Start lists 1 user and the page doesn't show an extra-user price | Unknown: Essentials lists 3 users and the page doesn't show an extra-user price | Unknown: Plus lists 5 users and the page doesn't show an extra-user price | $340/mo 25 users included |
A 10-person shop fits only Advanced ($340/mo) among the plans on this page. The page also shows a sign-up offer of 50% off for 3 months (Simple Start $19, Essentials $42.50, Plus $70, Advanced $170 during that time); offers change, so they're left out of the totals. An annual-billing price isn't shown on the page, so that's Unknown. There's also a Free plan at $0/mo for 1 user with no accountant access, which sends up to 2 invoices a month (or unlimited invoices if you qualify for and turn on QuickBooks Payments).
Required add-ons
None are required for the plan itself. Payroll is offered as an optional step at checkout; its price wasn't part of this check, so it's Unknown here. Bill pay lists free ACH, then $0.50 per standard ACH transaction over the monthly allotment, and the page says allotments may vary.
Payment processing fees (QuickBooks Payments)
- Invoiced card and digital wallet payments (Visa, Mastercard, Discover, American Express, Apple Pay, PayPal, Venmo): 2.99%.
- In-person card payments (card reader or Tap to Pay on iPhone): 2.5%.
- Keyed-in cards: 3.5%.
- Bank payments (ACH): 1%. The page doesn't show a cap, so any cap is Unknown.
- Instant deposit: an extra 1.75%.
The rates page shows no fixed per-payment fee next to these QuickBooks rates. It also says rates are subject to change.
Worked examples (math shown)
These use an example of $10,000 collected in a month. That volume is just an example. Plug in your own.
- All invoiced card payments: 2.99% × $10,000 = $299.
- All in-person card payments: 2.5% × $10,000 = $250.
- All by bank payment: 1% × $10,000 = $100.
| Shop | Plan (monthly) | Monthly total, all invoiced card | Monthly total, all in-person card | Monthly total, all bank payments |
|---|---|---|---|---|
| 1 user on Simple Start | $38 | $337 | $288 | $138 |
| 3 users on Essentials | $85 | $384 | $335 | $185 |
| 10 users on Advanced | $340 | $639 | $590 | $440 |
Contract terms that change the bill
- The pricing page's FAQ says you can switch QuickBooks Online plans or cancel at any time.
- You can upgrade between Simple Start, Essentials and Plus.
- The pricing page offers a 30-day free trial.
- Refunds and price-change notice aren't covered on the pricing page, so those are Unknown.
From the FAQ on the same pricing page, checked 2026-11-02.
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