From the team behind MoneyMinder for nonprofits, now for your small business. Start your trial
Overview

Everything a business of one needs. Nothing it doesn't.

Estimates, invoices, time, bank sync, budgets, reports and tax-ready records — in one place, in plain language. Here's the tour.

A hair stylist cutting a client's hair in her salon
01Collect

Quote the job, do the work, and get paid

Set up your template for estimates and quote the job by flat rate, item or hours logged. Once you do the work, convert the estimate to the invoice in one click. Every dollar ties back to the client it came from.

  • Send estimates before the job starts
  • Convert accepted estimates to invoices without re-entering
  • Log time as you work
  • See every client's open estimates, unpaid invoices and payment history
  • Match payments to invoices
A freelancer working on a laptop at an outdoor table
02Track

Dollars in, dollars out, with less manual entry

Connect your bank, PayPal, Square or Stripe once and transactions come to you. Cash-based books mean you record money when it actually moves, which is how you already think about it.

  • Connects to 12,000+ banks and financial institutions
  • Syncs PayPal, Square and Stripe
  • Import Venmo and others by file upload
  • Cash-based recording — no accrual complexity
  • Reconcile in minutes, not hours
  • Keep business and personal finances separated
A business owner leaning back at her desk, relaxed
03Report

Reports that answer your questions as quickly as you think of them

How did last month go? Which clients are worth it? Am I doing better this year than last? The reports section answers all three, and then some. Pull them in seconds on any device.

  • Clean reports you or your accountant can work from
  • Income by client
  • Profit by month
  • Expense breakdown by category
A landscaper trimming shrubs with hand shears
04Pay

Know where every outgoing dollar is going, and for what

Categorize expenses as they happen so tax time isn't a reconstruction project, and keep a clean running total on every subcontractor you paid.

  • Categorize expenses the way your tax return will want them
  • Track subcontractor payments and get per-person totals for 1099-NEC
  • Spot recurring charges quietly draining your account
  • See what you're spending by category, month or vendor
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05Organize

Your client list is your business

Keep track of rates, history, estimates, invoices, hours logged, payments received — all in one place in the cloud, not scattered across your phone, your sent folder, and a legal pad in the truck. When a client calls back two years later, the answer takes one search.

  • One record per client with billing history
  • Agreed rates, past estimates, open invoices
  • Hours logged against each client, ready to bill
  • Find any client, invoice, or payment in seconds
  • Keep track of receipts, documents and other work-related files
A hair stylist at work
06Plan

Build a budget the way your money actually moves

Self-employed income typically does not come in twelve equal pieces. You'll have slow months, busy months, big jobs and dry spells. Balancing your expenses against these fluctuations is key to a successful solo business.

  • Budget by income type and expense category
  • Set aside money for quarterly estimated tax payments
  • Track budget vs. actual as the year fills in
  • Plan your finances around the uneven months
A business owner at her desk
07Comply

Have everything your tax preparer needs in seconds

Your books are current, your records tie to your bank, your subcontractor totals are sitting there. You have all you need to send to your tax preparer or file yourself.

  • Categorized income and expenses reconciled to your bank statements
  • 1099-NEC totals ready for anyone you paid for help
  • Business kept separate from personal finances
  • Hand off a clean year and move on to the next year
A freelancer working on a laptop at an outdoor table overlooking the mountains
Business Your Way, Finances to Match

Bookkeeping for the way solo businesses operate

No accountant on payroll

You are the whole company, so bookkeeping happens between jobs and after the last client.

  • Cash-based books — record money when it moves
  • Plain language — no CPA required
  • Free U.S. based support — real people
Stop chasing what you're owed

The whole picture in one place, so following up is a two-minute task.

  • Estimate on the spot — flat fee or itemized
  • Accepted estimate becomes the invoice, no retyping
  • Open, sent and paid at a glance
Connect your bank once

Transactions come to you, and you record money when it actually moves.

  • 12,000+ banks, plus PayPal, Square and Stripe
  • Reconcile in minutes, not hours
  • Business kept separate from personal
Everything in Solo

Seven things Solo does. Nothing it doesn't.

If you invoice your own clients and do your own books, this is the whole working set — no payroll, inventory or accrual ledgers to ignore.

01

Collect

Estimates, invoices and payments, tied to the client they came from.

 02

Track

Bank, PayPal, Square and Stripe sync. Cash-based, no accrual.

 03

Report

Income by client, profit by month, expenses by category.

 04

Pay

Expenses categorized the way your tax return wants them, plus 1099-NEC totals.

 05

Organize

One record per client: rates, estimates, invoices, hours, files.

 06

Plan

A budget built for uneven months, with money set aside for taxes.

 07

Comply

Everything your tax preparer needs, reconciled and ready.
The Solo Difference

How is Solo different?

Most accounting software is overkill for a one-person business. Yet spreadsheets and paper trails put you at risk for not knowing your true profit and loss. Solo is the middle: real self-employed accounting software, priced and sized for one.

Time and invoicing in one place

Log hours against a client, then bill from them. An accepted estimate becomes the invoice without retyping a line.

Nothing to turn off

No payroll, inventory or accrual ledgers to ignore. Solo covers a business of one and stops there, so the screens stay legible.

One price, everything included

$399 a year. No per-invoice fees, no charge per client, and no tier to upgrade into when you get busy.

See Pricing

Twenty years of keeping books simple

Built for volunteer-run nonprofits in 2003, MoneyMinder brings the same plain-language approach to solo businesses.

No bookkeeping experience? No problem.

Start free for 30 days — no credit card required, no setup fee, nothing to cancel if it isn't for you.

Start Your Free Trial
A relaxed business owner leaning back at her desk, hands behind her head