Pricing

No hidden fees. No forced tier upgrades. Every plan includes unlimited transactions.

Nonprofits save 25% on every plan.

Annual billing saves 10%Best value

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Our pricing promise

Tier rates capped at CPI inflation + 2 percentage points per year

We commit (in our Terms §8b) that we will not raise our tier rates by more than CPI inflation + 2 percentage points in any calendar year. If CPI inflation was 5%, our maximum increase is 5 + 2 = 7 percentage points. If inflation is 0%, the most we can raise is 2 percentage points.

What that means in dollars

If you sign up at $50/mo today and CPI inflation runs at 5%, the most we could raise it next year is $50 × 1.07 = $53.50/mo (5 + 2 = 7 percentage points additive). If inflation is 0%, the most we could raise it is $50 × 1.02 = $51/mo. Lock a multi-year term and your rate cannot rise at all for the duration.

See Terms §8b for the binding contractual commitment

Starter

For solopreneurs and micro-businesses getting started

$22.5/mo

$270/year, billed annually · $25/mo billed monthly

2 users
+2 accountant seats
Start Free Trial

What's included

  • Unlimited invoices, estimates, and customer billing
  • Bank feeds, reconciliation, and bank-account management
  • Credit notes, vendor credits, and refund tracking
  • Products and services catalog with pricing tiers
  • Recurring invoices, bills, and journal entries
  • PDF generation, email delivery, and branded document templates
  • Business metrics dashboard and KPI tracking
  • Fund accounting: GASB-compliant fund dimensions and reporting
Most Popular

Professional

For growing businesses that need more power

$45/mo

$540/year, billed annually · $50/mo billed monthly

5 users
+3 accountant seats
Start Free Trial

What's included

  • Unlimited invoices, estimates, and customer billing
  • Bills, vendors, and accounts-payable tracking
  • Bank feeds, reconciliation, and bank-account management
  • Credit notes, vendor credits, and refund tracking
  • Products and services catalog with pricing tiers
  • Recurring invoices, bills, and journal entries
  • PDF generation, email delivery, and branded document templates
  • Time entries, timesheets, and billable-hour tracking
  • Business metrics dashboard and KPI tracking
  • Multi-currency: exchange-rate management and revaluation
  • Fund accounting: GASB-compliant fund dimensions and reporting

Business

For established businesses with complex needs

$72/mo

$864/year, billed annually · $80/mo billed monthly

8 users
+5 accountant seats
Start Free Trial

What's included

  • Unlimited invoices, estimates, and customer billing
  • Bills, vendors, and accounts-payable tracking
  • Bank feeds, reconciliation, and bank-account management
  • Purchase orders with PO → Bill conversion
  • Credit notes, vendor credits, and refund tracking
  • Products and services catalog with pricing tiers
  • Recurring invoices, bills, and journal entries
  • PDF generation, email delivery, and branded document templates
  • Automated payment reminders, late fees, and dunning workflows
  • Project and job costing with WIP reporting
  • Time entries, timesheets, and billable-hour tracking
  • Check printing, register, and void/reissue workflows
  • Budget creation, allocation, and variance analysis
  • Business metrics dashboard and KPI tracking
  • Custom report builder, YoY, cash basis, and segment reports
  • Multi-currency: exchange-rate management and revaluation
  • Fund accounting: GASB-compliant fund dimensions and reporting

Enterprise

For multi-entity organizations and power users

$135/mo

$1,620/year, billed annually · $150/mo billed monthly

38 users
+10 accountant seats
Start Free Trial

What's included

  • Unlimited invoices, estimates, and customer billing
  • Bills, vendors, and accounts-payable tracking
  • Bank feeds, reconciliation, and bank-account management
  • Purchase orders with PO → Bill conversion
  • Credit notes, vendor credits, and refund tracking
  • Products and services catalog with pricing tiers
  • Bill of Materials, production orders, and multi-warehouse inventory
  • Recurring invoices, bills, and journal entries
  • PDF generation, email delivery, and branded document templates
  • Automated payment reminders, late fees, and dunning workflows
  • Project and job costing with WIP reporting
  • Time entries, timesheets, and billable-hour tracking
  • Check printing, register, and void/reissue workflows
  • Budget creation, allocation, and variance analysis
  • Business metrics dashboard and KPI tracking
  • Collections, DSO, and aging-bucket reporting
  • Custom report builder, YoY, cash basis, and segment reports
  • Multi-currency: exchange-rate management and revaluation
  • Cryptocurrency wallets, cost-basis tracking, and gain/loss reporting
  • Fund accounting: GASB-compliant fund dimensions and reporting
  • Student activity funds with FERPA-compliant PII flagging
  • External system integrations (SIS, ERP, payroll, banks)
  • Auditor access codes and SOX-grade activity logging
K-12 Districts

K-12 District

For school districts & charter networks (per school, district consolidation included)

$72/school/mo

$864/year per school, billed annually · $80/school/mo billed monthly

Per school, per month. Free district consolidation org. Min. 1 school. Contact for >25-school pricing.

38 users
+10 accountant seats
Start Free TrialFor school districts: contact for district pricing

What's included

  • Unlimited invoices, estimates, and customer billing
  • Bills, vendors, and accounts-payable tracking
  • Bank feeds, reconciliation, and bank-account management
  • Purchase orders with PO → Bill conversion
  • Credit notes, vendor credits, and refund tracking
  • Products and services catalog with pricing tiers
  • Bill of Materials, production orders, and multi-warehouse inventory
  • Recurring invoices, bills, and journal entries
  • PDF generation, email delivery, and branded document templates
  • Automated payment reminders, late fees, and dunning workflows
  • Project and job costing with WIP reporting
  • Time entries, timesheets, and billable-hour tracking
  • Check printing, register, and void/reissue workflows
  • Budget creation, allocation, and variance analysis
  • Business metrics dashboard and KPI tracking
  • Collections, DSO, and aging-bucket reporting
  • Custom report builder, YoY, cash basis, and segment reports
  • Multi-currency: exchange-rate management and revaluation
  • Cryptocurrency wallets, cost-basis tracking, and gain/loss reporting
  • Fund accounting: GASB-compliant fund dimensions and reporting
  • Student activity funds with FERPA-compliant PII flagging
  • External system integrations (SIS, ERP, payroll, banks)
  • Auditor access codes and SOX-grade activity logging

Lock your price for up to 5 years

Choose a 3-, 4-, or 5-year term: pay 2 years upfront, then today's rate per year for years 3+. No annual increase, ever, for your locked term.

  • Term lengths: 1, 2, 3, 4, or 5 years
  • ≥3-year terms: 24 months upfront, then annual installments at today's rate
  • Locked rate never increases for the duration of your term
Get started

Why Spire Ledgers vs. QuickBooks?

Every Spire Ledgers plan includes features that QuickBooks charges extra for or doesn't offer at all.

FeatureSpire LedgersQuickBooks
Users per plan2 / 5 / 8 / 381 / 3 / 5 / 25
Unlimited transactionsAll plansAll plans
Sales ordersProfessional+Not available
Multi-entity consolidationEnterpriseNot available
Industry templates (17)Business+Not available
Inventory costing methodsFIFO, LIFO, Weighted AvgFIFO only
Multi-warehouseBusiness+Not available
Bill of MaterialsBusiness+Not available
Custom report builderProfessional+Advanced only ($200/mo)
Unlimited custom fieldsProfessional+3 fields (non-Advanced)
13-period reportingBusiness+Not available
REST API + webhooksEnterpriseAll plans (500 req/min limit)
Recycle bin / soft deleteAll plansNot available
Fund accountingEnterprise & K-12 DistrictNot available
GASB 34 / 54 / 84 / 87 / 96 complianceK-12 DistrictNot available
All 51 SEA chart-of-account templatesK-12 DistrictNot available
Multi-school district consolidationK-12 District (free)Not available
Self-hosted optionAvailableNot available
Price increasesLocked rate on annual plans10-38% annual increases

Frequently asked questions

Is there a free trial?

Every plan comes with a 30-day free trial. A credit card is required at sign-up — your card will not be charged for 30 days, and you can cancel anytime during the trial at no cost. Full access to all features in your chosen tier.

Can I cancel anytime?

Yes. Month-to-month plans can be cancelled at any time and you keep access through the end of the current billing cycle. Annual plans can be cancelled at renewal. There are no early-termination fees and no lock-in contracts.

Do you offer a nonprofit discount?

Yes. Verified 501(c)(3) nonprofits, churches, and faith-based organizations save 25% on every plan, every billing cycle — not just the first year. Verification is automatic at sign-up via the IRS Tax Exempt Organization Search.

Do you offer district / multi-school pricing for K-12?

Yes. School districts use the Enterprise tier with one parent account for the district plus a per-school child account. Custom volume pricing is available for districts with 10+ campuses; contact sales@spireledgers.com for a quote.

Is there a K-12 specific tier?

K-12 districts run on the Enterprise tier, which includes fund accounting, GASB 84 student activity funds, federal grant tracking (ESSA, IDEA-B, ESSER), state-specific SEA chart-of-accounts (TEA FASRG, SACS, Red Book, etc.), and consolidated multi-campus reporting. See /k12 for the full K-12 feature set.

Can I switch plans anytime?

Yes. Upgrade instantly, downgrade at the end of your billing cycle. No penalties, no lock-in contracts.

What counts as a 'user' vs an 'accountant seat'?

Users are your team members who use the system daily. Accountant seats are for external CPAs, bookkeepers, or auditors who need access to review your books. Accountant seats are always free.

Do you charge per transaction?

Never. All plans include unlimited invoices, bills, journal entries, and transactions. We don't believe in nickel-and-diming.

Will my price increase after the first year?

Annual plans lock your rate for the duration of your subscription. We don't do surprise price hikes.

How much can my price go up year over year?

We commit, in our Terms of Service §8b, that we will not raise tier rates by more than CPI inflation + 2 percentage points in any calendar year. Example: if CPI inflation was 5%, our maximum increase is 5 + 2 = 7 percentage points (a $50/mo plan could rise to no more than $50 × 1.07 = $53.50/mo). If you lock a multi-year term, your price does not go up at all for the duration of that term.

Ready to switch from QuickBooks?

Import your data in minutes. We handle the chart of accounts mapping for you.

30-day free trial. Credit card required, never charged during trial. Cancel anytime.