Funance sells you the ledger. Everyone else rents you access to it.
Every accounting product on the market — the old suite and the new AI bookkeepers alike — is a cloud subscription that holds your books, bills per company or per seat, and ends when you stop paying. Funance is built the other way round, and every difference below follows from that one choice.
| THE QUESTION | FUNANCE | CLOUD SUBSCRIPTION ACCOUNTING |
|---|---|---|
| Where do my books live? | On your machine, in one file. Nowhere else. | On their servers, under their terms. |
| What happens when I stop paying? | Nothing stops. The app opens, reports run, exports export — at the edition you hold. | Access ends. Shut-off is the enforcement. |
| Five companies, a nonprofit, three rentals? | One licence, one screen, unlimited entities. | One subscription per company file — QuickBooks Online’s own docs, not ours. |
| Extra people? | No per-seat fee. | Per-user billing is how the price ladder climbs. |
| Do you need my bank login? | Never. Files in, files out. | Yes — a feed needs your credentials on a server. |
| Whose AI is it? | Yours: your own Claude, your key, a skill card that seats in any agent on the open standard. | Theirs — rented, gated by plan tier. |
| Can I see what the software is? | Yes. It is one file you can open. | No. It is a service. |
| Can I leave with everything? | Always. Export is a right, not a feature. | Varies by product and plan. |
Automatic bank feeds. A human bookkeeper bundled into the fee. Phone apps for capture on the go. Payroll and invoicing built in. Thirty years of brand. If you need those bundled, buy them there.
Anyone who keeps more than one set of books — founders with a side business, freelancers with clients, landlords, families with a nonprofit and a household — and anyone who would rather own the ledger than rent a login to it.
Anyone who needs bank feeds, payroll, or a bookkeeper included. Funance does the books; it does not do those, and it says so here rather than in a footnote.
Because the books are yours, the price is one number, the AI is your own, nothing ever switches off, and you can open the file and see exactly what you bought.
Comparisons describe the subscription model as a category; QuickBooks Online’s per-company-file billing is stated in Intuit’s own documentation. QuickBooks is a trademark of Intuit Inc.; no affiliation.
Buy it. Download it. Drop the Card into Claude.
Open the app
Your download includes the command center — one file. Double-click, it opens in your browser. That's the entire install.
Drop the Card into Claude
The Funance Card is a small file that installs into your Claude's Skills — then your Claude reads receipts and routes money in any chat.
Turn the key
Paste your own Anthropic API key. Your books never touch our servers — we don't have any.