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The bank account that keeps its own books — a free business checking account for freelancers with automatic categorisation, tax estimates and Schedule C generation built in.
The zero-dollar books option for a freelancer willing to bank where they bookkeep: free and genuinely complete inside Found, with Plus as the honest upgrade the day your money lives in more than one place.
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Found folds your business checking account and your books into one free app: spending is categorised as it happens, taxes are estimated and set aside live, and year-end forms are generated from the same records.
You are a freelancer or single-member LLC happy to run business money through one account, and you want bookkeeping and tax estimates at $0 instead of a ledger subscription.
You already keep books in QuickBooks or Xero, your income lands across several banks and cards you will not consolidate, or you need accrual books or a filed annual return.
Workflows are built only from verified capabilities in our listing research — no vendor copy, nothing invented.
Starts You pay for something with your Found card or receive a deposit
You get Books that stay current without a monthly data-entry session
Bookkeeping becomes a by-product of banking, not a separate chore
Starts Income lands in the account
You get A tax reserve and a live estimate instead of an April surprise
Quarterly taxes stop being a cash-flow shock
Starts You bill a client or pay a contractor
You get Billing and contractor compliance handled inside the books
Two classic solo admin jobs disappear into the account you already use
Starts Income or spending also sits in other banks, apps or cards
You get One set of books across all your accounts
Approval You choose which accounts to connect; the free plan never sees outside money
The free plan's blind spot is the paid tier's whole job
Sign up in as little as 5 minutes per the vendor; no monthly fee and no minimum balance.
Point client payments at Found and spend on the Found card so categorisation sees the full picture.
Turn on the Taxes Pocket and check the real-time estimate against what you expect to owe.
Plus matters when outside accounts need importing or you want in-app quarterly payments; it comes with a 30-day free trial.
Time to first useful result: Same day — sign up in as little as 5 minutes and books start with your first transaction · no-code 5/5
The core account is free with no monthly maintenance fee and no required minimum balance. Found Plus is $35/month or $315/year (labelled Save 25%); Found Pro is $80/month or $720/year. Plus and Pro carry a 30-day free trial. Transactional fees sit outside the plans: outgoing wires $15 ($10 on Pro), mailed checks $1 (free on Pro), cash deposits $2, instant/express transfer percentage fees, and a $10 dormancy fee after 12 inactive months.
$0/month — free standard account, no monthly maintenance fee, no required minimum balance
Flat / month · $0/mo for one person
$35/month billed monthly; $315/year billed annually (Save 25%)
Flat / month · $26.25/mo for one person
$80/month billed monthly; $720/year billed annually (Save 25%)
Flat / month · $60/mo for one person
| Plan | Published price | Solo monthly | Billed by | Limits & overage |
|---|---|---|---|---|
| FoundSolo pick | $0/month — free standard account, no monthly maintenance fee, no required minimum balance | $0/mo | Flat / month | No import of transactions from other banks, apps or cards on the free plan · No APY on the free plan · Transactional fees still apply (wires, cash deposits, mailed checks) |
| Found Plus | $35/month billed monthly; $315/year billed annually (Save 25%) | $26.25/mo | Flat / month | APY is variable and capped at $20,000 of balance · Subscription is deducted from your Found balance after the 30-day trial |
| Found Pro | $80/month billed monthly; $720/year billed annually (Save 25%) | $60/mo | Flat / month | APY is variable · Priced for balances and spend large enough for yield and cash back to matter |
Not volume — visibility: the free plan only books what flows through Found itself, so the moment income or spending sits in outside accounts you need Plus ($315/year) to import it. Transactional fees (wires $15, cash deposits $2, mailed checks $1) sit outside every plan.
Price record · 2026-11-05: First listing check, 2026-11-05, on found.com/pricing — the official pricing page was read in full this run (no bot-wall was hit): Found $0/month, Found Plus $35/month or $315/year, Found Pro $80/month or $720/year, both paid tiers labelled Save 25% on annual billing and offered with a 30-day free trial. APY at check: Plus 1.50% on balances up to $20,000, Pro 2.50% uncapped, both variable. Older third-party reviews citing $19.99/month for Plus are stale against the vendor's own page and were not used.
The same fields on every deep listing in this job, so agents compare field by field. “Not verified” means our research has not confirmed it yet — it never means “doesn't have it.”
Found is not a ledger you bolt onto your bank — it is the bank account, with the books kept inside it. Open the free business checking account (banking services are provided by Lead Bank, Member FDIC; Found itself is a financial technology company) and every card payment and deposit is categorised automatically, write-offs are flagged, receipts can be scanned straight onto transactions, and a live tax estimate updates as money moves, with a Taxes Pocket that sets money aside automatically. Profit and loss, income and expense reports, a balance sheet and a chart of accounts are all in the free plan, as are unlimited invoices, contractor payments with W-9 collection and 1099-NEC e-filing, and generated Schedule C and 1120/1120-S forms. The paid tiers are about reach and yield, not basic books: Found Plus at $35 a month ($315 a year) adds importing and syncing up to 10 outside bank, app and card accounts, auto-categorisation rules, custom categories, in-app quarterly federal tax payments and 1.50% APY on balances up to $20,000; Found Pro at $80 a month ($720 a year) raises that to 2.50% APY uncapped, adds 1% cash back and a dedicated account manager. The honest framing matters: this is the bank-account-with-books route for a freelancer whose money can actually live in Found. It does not work inside QuickBooks or Xero, bookkeeping data download is a Plus feature, and if your income lands in other accounts, the free plan cannot see it — Plus is the tier that pulls it in. It also prepares tax forms rather than filing your annual return.
Solo Fit stays the public score: the qualitative roll-up of these four published inputs under the How We Rank method. There is nothing to install or configure — the account is the setup — and pricing is a flat free/Plus/Pro ladder; clarity is held back only by the transactional fees that sit outside the plans.
The difference: Wave is a ledger you keep alongside your existing bank, free to start and $19/month for bank feeds; Found is the bank account itself, free with books inside, but only for money you move into it.
The difference: FreshBooks is an invoicing-led ledger priced by billable clients from $23/month; Found starts at $0 because banking is the product and the books ride along.
The difference: QuickBooks Online is the full ledger your accountant already knows, rented monthly; Found is narrower bookkeeping that costs nothing because it lives inside your checking account.
The standard account is $0/month, checked on found.com/pricing on 2026-11-05, and it includes automatic categorisation, reports, tax estimates, unlimited invoices and 1099-NEC e-filing. Found Plus is $35/month or $315/year and Found Pro is $80/month or $720/year; those tiers mainly buy outside-account imports, quarterly payments in-app and APY.
No. Found is a financial technology company; banking services are provided by Lead Bank, Member FDIC, per the vendor's own pages. That distinction matters if partner-bank arrangements are a concern for you.
Only in its own shape: if your business money runs through Found, its built-in books (categorisation, P&L, balance sheet, chart of accounts, Schedule C generation) can be your whole system. It does not work inside QuickBooks or Xero, and money in outside accounts is invisible to the free plan — Plus imports up to 10 outside accounts.
It prepares, it does not file your annual return. It estimates taxes in real time, sets money aside automatically, generates Schedule C and 1120/1120-S forms, pays quarterly federal estimates in-app on Plus/Pro, and generates and e-files 1099-NECs for contractors.
Found is not in a published stack yet — stacks are edited buying guides, and memberships are added only when the combination has been worked through.
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