FreshBooks invoices. Nummo keeps the books.

On their entry plan there is no bank reconciliation, no accountant access and no double-entry report — you cannot close a year on it. Nummo gives you all three on the first plan, for a dollar less, with no cap on how many clients you bill. We move your books across for you, free.

No client capFreshBooks Lite stops at five

Close your yearreconciliation and real reports on the first plan

Payroll includedon Pro, with no per-employee fee

Free migrationwe move your books over for you

The difference

An invoicing tool with accounting sold a tier up

Their accounting sits above the invoicing as a paid upgrade rather than underneath it as the foundation. That is a difference in what the product is, not in how much it costs.

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On their entry plan

Lite is C$26 a month. It has no bank reconciliation, no accountant access and no double-entry report — those start on Plus. You can send invoices on it. You cannot close a year on it.

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On ours

Starter is C$25 a month and posts real journal entries under every invoice and expense, reconciles your bank, and gives your accountant a free seat. The books are the product, not the upgrade.

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Why it matters in March

A year of invoices is not a set of books. When your accountant asks for a trial balance, the answer has to exist — and on an invoicing tool it is rebuilt from scratch, by hand, at your expense.

The arithmetic

What you get for roughly the same money

Both prices are Canadian dollars, both are the published regular rate, and neither includes sales tax.

FreshBooks Lite

PriceC$26 / month

Billable clients5

Bank reconciliationPlus and up

Accountant accessPlus and up

Nummo Starter

PriceC$25 / month

CustomersUnlimited

Bank reconciliationIncluded

Accountant accessFree seat

FreshBooks' Canadian prices and plan limits above were read from freshbooks.com on 17 October 2026: Lite C$26 a month, Plus C$42, Premium C$72, with billable clients capped at five and fifty on the first two. They run promotions and they change prices — check theirs before you decide, the same way you should check ours.

The books

Double-entry from the first plan, not the second

FreshBooks starts as invoicing and adds accounting above it — double-entry reports, bank reconciliation and access for your accountant all begin on the Plus plan. Nummo is a double-entry ledger first: every plan posts real journal entries, reconciles your bank and gives your accountant a free seat.

A real general ledger under every invoice and expense
Bank reconciliation on Starter, not one tier up
Trial balance, P&L and balance sheet that tie out
Entries are immutable — corrections reverse, nothing is quietly edited

On Nummo Starter

Double-entry ledgerIncluded

Bank reconciliationIncluded

Accountant seatFree

PriceC$25 / month

The ceiling

Bill as many clients as you have

FreshBooks counts billable clients: five on Lite, fifty on Plus. Win a sixth client on the entry plan and the software, not your business, decides it is time to pay more. Nummo does not count your customers — a hundred on Starter costs what one costs.

No limit on customers, invoices or bills
No limit on estimates, receipts or expenses
Growth changes your plan when you need features, not a counter
Sales tax for every province from the first plan up

What's counted

CustomersUnlimited

InvoicesUnlimited

ExpensesUnlimited

Users on Starter1 (+C$12 each)

The payroll

Payroll in the price, not beside it

FreshBooks sells payroll separately from every plan. Nummo Pro includes full Canadian payroll: CPP, EI and income tax from CRA's published tables, T4s and records of employment, Revenu Québec handled for Québec employees, and no per-employee surcharge.

CPP, EI and income tax reconciled to CRA's own figures
T4s, T4As and records of employment included
No per-employee fee and no second subscription
Québec payroll and French documents built in

Running payroll

Nummo ProC$59 / month

Payroll on ProIncluded

Per employeeC$0

Year-end slipsIncluded

The move itself

We migrate your books for you, free

Export from FreshBooks and send us the file. We bring your records across, and you check the result before you rely on it.

Clients, who become customers, with their contact details
Items and services, with prices
Your chart of accounts, mapped onto Nummo's Canadian chart
Employees, ready for payroll
Opening balances, reconciled before you start posting

If you don't have a trial balance to tie to, that is fine — we build your opening balances from your bank, your receivables and your payables, and show you the workings.

Export from FreshBooks

Clients, items, invoices and expenses. Ten minutes at most.

We import and map

Records land in Nummo; accounts map onto a proper Canadian chart.

You verify the balances

We show you the opening position and where every number came from.

Start invoicing

Keep FreshBooks read-only for the old records. Cancel it when you stop looking.

What we haven't built yet

Five things, named

Every comparison page claims to win on everything, so here is the part of ours you can check. These are real gaps, they are on the build list, and none of them is an accounting feature.

On the billing side:

Recurring invoices. If you bill the same client the same amount every month, you create it each month. A schedule that issues them is being built.
Time tracking. No timer, and no billable hours flowing onto an invoice line. If you bill by the hour today, that matters.
A client portal. You share a document by link, one at a time; there is no account your customer signs into to see their history.
Proposals with e-signature. We have estimates. We don't have a signable proposal.
Automatic late fees. Nummo chases an overdue invoice with reminders, but never adds a charge to it.

And one on the accounting side, which applies whichever product you come from: we don't do live bank feeds. Every feed on the market works by holding your online banking password, and the Financial Consumer Agency of Canada warns that your bank's protection against unauthorized transactions may not apply once an app has your login. You send a statement file instead, and your password never leaves your hands.

If one of the five is what keeps you where you are, tell us which — it moves up the queue. What none of them changes is the thing this page is about: when the invoicing is done, somebody still has to close the books.