BukuWarung alternatives
9 products compared · Updated October 15, 2026
The short answer
The three strongest BukuWarung alternatives are Xero for small businesses needing scalable accounting with bank feeds, FreshBooks for freelancers and service businesses wanting polished invoicing, and MYOB for Australian and New Zealand businesses that need GST/BAS compliance and payroll. Each suits a different region and business size, so pick based on your location and whether you need bookkeeping or full accounting.
Your shortlist, at a glance
Read the comparisons ↓
QuickBooks PayrollNot publishedUS-based small businesses that need integrated payroll, tax filing, and accounting in one platform.
XeroFrom $27/moSmall businesses and their accountants who want a scalable accounting system with bank feeds, invoicing, and payroll in one place.
WaveNot publishedIndividuals and small businesses in Africa that need cheap, fast mobile money transfers and bill payments.Zoho BooksNot publishedSmall businesses and accountants who need a complete accounting system with inventory, projects, and multi-currency features.
FreshBooksFrom $23/moFreelancers and small service businesses in North America that want invoicing, expense tracking, and online payments in one tool.
MYOBFrom $3/mo add-onAustralian and New Zealand small to medium businesses that need GST/BAS compliance, payroll, and inventory in one package.
Sage Business CloudNot publishedGrowing and mid-sized businesses in the UK and US that need AI-assisted accounting, payroll, and multi-entity finance management.
KashooNot publishedSole proprietors and small businesses in North America that want simple accounting with bank feeds and invoicing.
FreeAgentFrom $13.50/moUK-based freelancers, contractors, and small businesses that need HMRC-recognized tax filing and payroll built into their accounting software.
About BukuWarung and its alternatives
BukuWarung is an accounting, payments, and credit app for micro-businesses. It is known for helping small merchants manage bookkeeping, payments, and credit in one place, primarily in Indonesia.
When comparing alternatives, weigh pricing structure, region support, integrations, and contract terms. Some tools have transparent pricing, others require contacting sales. Consider whether you need payroll, tax compliance, or multi-currency features. Check if the tool integrates with your bank and other apps you use.
Explore the alternatives
- Not published
1.QuickBooks Payroll
Best for: US-based small businesses that need integrated payroll, tax filing, and accounting in one platform.
- Pricing
- Not published
- Category
- Finance & Accounting
QuickBooks Payroll is a full-service payroll and accounting platform for small to mid-sized businesses, especially those in the US needing tax compliance and direct deposit. Choose it over BukuWarung if you need automated payroll, tax filing, and deeper financial management beyond basic bookkeeping.
Where it is strong
- Automated payroll and tax filing for salaried employees
- Integrates with QuickBooks accounting and 800+ apps
- AI-driven bookkeeping and invoice automation
Where it falls short
- Pricing not transparent. Requires contacting sales
- May be overkill for micro-businesses needing simple cashbook
- Pricing:
- Pricing is not published on the site.
- Switching from BukuWarung:
- Moving from BukuWarung to QuickBooks Payroll means migrating your financial records and setting up payroll, which may require more setup time and cost.
- From $27/mo
2.Xero
Best for: Small businesses and their accountants who want a scalable accounting system with bank feeds, invoicing, and payroll in one place.
- Pricing
- From $27/mo
- Category
- Finance & Accounting
Xero is a cloud accounting platform for small businesses that connects to your bank, handles invoicing, payroll, and uses AI to automate routine tasks. You would choose it over BukuWarung if you need a full accounting system with bank feeds, multi-currency support, and a large app ecosystem, rather than a tool focused on micro-business payments and credit.
Where it is strong
- Connects to your bank and 1,000+ apps for automated workflows
- AI tools help with routine tasks and provide real-time insights
- Plans scale from sole traders to established businesses
Where it falls short
- Pricing is in USD and may be higher for non-US users
- No built-in credit or payment features for micro-businesses like BukuWarung
- Pricing:
- In the United States, Xero's Early plan is $27 per month, Growing is $59 per month, and Established is $97 per month, with 80% off for the first 3 months.
- Switching from BukuWarung:
- Moving from BukuWarung to Xero means setting up bank feeds and migrating your accounting data, which may require manual entry or using a migration service.
- Not published
3.Wave
Best for: Individuals and small businesses in Africa that need cheap, fast mobile money transfers and bill payments.
- Pricing
- Not published
- Category
- Finance & Accounting
Wave is a mobile money app for Africa focused on free deposits, withdrawals, and bill payments, with a flat 1% fee on money transfers. Choose it over BukuWarung if your priority is low-cost person-to-person and bill payments rather than bookkeeping or credit for micro-businesses.
Where it is strong
- Free deposits and withdrawals
- Flat 1% fee on money transfers
- Free bill payments and airtime purchase
Where it falls short
- No accounting or bookkeeping features
- Limited to mobile money services, not business credit
- Pricing:
- Pricing is not published on the site.
- Not published
4.Zoho Books
Best for: Small businesses and accountants who need a complete accounting system with inventory, projects, and multi-currency features.
- Pricing
- Not published
- Category
- Finance & Accounting
Zoho Books is a full cloud accounting suite for invoicing, expenses, inventory, projects, and tax compliance. Choose it over BukuWarung when you need structured bookkeeping, multi-currency support, and deeper financial reporting for a growing small business, not just basic payments and credit tracking.
Where it is strong
- Free plan for micro-businesses
- Multi-currency and exchange rate management
- Inventory tracking with reorder points
Where it falls short
- No built-in credit or payment collection for micro-merchants
- Pricing not shown on the site, so cost comparison is unclear
- Pricing:
- Pricing is not published on the site.
- From $23/mo
5.FreshBooks
Best for: Freelancers and small service businesses in North America that want invoicing, expense tracking, and online payments in one tool.
- Pricing
- From $23/mo
- Category
- Finance & Accounting
FreshBooks is a cloud-based invoicing and accounting tool for small businesses and freelancers. It covers invoicing, expense tracking, time tracking, online payments, and payroll. Choose it over BukuWarung if you need a polished, English-first accounting suite with strong invoicing and payment features for service-based work.
Where it is strong
- Easy invoicing with automated reminders and recurring billing.
- Built-in time tracking and expense receipt scanning.
- Strong support team with 4.8/5 rating across 120,000+ reviews.
Where it falls short
- Lite plan limits you to 5 billable clients, which may be too small for growing businesses.
- No built-in credit or lending features like BukuWarung offers for micro-businesses.
- Pricing:
- Pricing starts at $23.00 per month for Lite (5 billable clients), $43.00 for Plus (50 clients), and $70.00 for Premium (unlimited clients), with a 30-day free trial. Add-ons: Advanced Payments $20/mo, Team Members $11/mo per person, Payroll $40/mo plus $6/mo p
- Switching from BukuWarung:
- FreshBooks offers an Easy Switch service to help migrate data from other accounting tools, so moving from BukuWarung should be straightforward.
- From $3/mo add-on
6.MYOB
Best for: Australian and New Zealand small to medium businesses that need GST/BAS compliance, payroll, and inventory in one package.
- Pricing
- From $3/mo add-on
- Category
- Finance & Accounting
MYOB is a full accounting suite for Australian and New Zealand businesses, covering invoicing, payroll, inventory, and BAS lodgement. Choose it over BukuWarung if you need compliance with ATO rules and Single Touch Payroll, not just bookkeeping and payments.
Where it is strong
- Built-in GST/BAS tracking and direct ATO lodgement
- Payroll with Single Touch Payroll and super calculations
- Integrates with Shopify, Square, and Squarespace
Where it falls short
- Pricing is Australia-specific. Not aimed at Indonesian micro-businesses
- No credit or payment features like BukuWarung's BNPL
- Pricing:
- In Australia, plans start with Solo (mobile app for sole traders), Lite and Pro have payroll add-ons at $3/month per employee, and AccountRight Plus adds unlimited payroll and multi-currency.
- Not published
7.Sage Business Cloud
Best for: Growing and mid-sized businesses in the UK and US that need AI-assisted accounting, payroll, and multi-entity finance management.
- Pricing
- Not published
- Category
- Finance & Accounting
Sage Business Cloud is a full accounting and finance platform with AI agents that handle invoicing, bill matching, and month-end close. Choose it over BukuWarung if you are a growing business that needs multi-entity, multi-currency finance tools and payroll, not just basic bookkeeping for micro-businesses.
Where it is strong
- AI agents automate invoicing, bill matching, and month-end close
- Sage Intacct supports multi-entity and multi-currency finance
- Payroll and HR solutions available for businesses with staff
Where it falls short
- Pricing not transparent. Requires contacting sales for most products
- Designed for larger businesses, not micro-businesses like BukuWarung's users
- Pricing:
- Pricing is not published on the site.
- Not published
8.Kashoo
Best for: Sole proprietors and small businesses in North America that want simple accounting with bank feeds and invoicing.
- Pricing
- Not published
- Category
- Finance & Accounting
Kashoo is a straightforward online accounting tool for small businesses and sole proprietors. It focuses on bank feeds, invoicing, and reports, with unlimited users at no extra cost. You would choose it over BukuWarung if you need a simple, US-centric accounting app rather than a micro-business payments and credit platform.
Where it is strong
- Unlimited users at no extra cost, so you can share access with your accountant or bookkeeper.
- Connects to 5,000+ banks and credit unions via Plaid for automatic transaction imports.
- Includes invoicing with Stripe payment acceptance, plus Square and payroll integrations.
Where it falls short
- No built-in payments or credit features for micro-businesses like BukuWarung offers.
- Pricing is not shown on the website, so you must contact sales or start a trial to learn costs.
- Pricing:
- Pricing is not published on the site.
- Switching from BukuWarung:
- Moving from BukuWarung means switching from a payments-and-credit app to a pure accounting tool. You can export your data from BukuWarung and import it into Kashoo, but you will need to set up bank feeds and payment integrations fresh.
- From $13.50/mo
9.FreeAgent
Best for: UK-based freelancers, contractors, and small businesses that need HMRC-recognized tax filing and payroll built into their accounting software.
- Pricing
- From $13.50/mo
- Category
- Finance & Accounting
FreeAgent is a cloud accounting platform for small businesses, freelancers, and landlords, with a strong focus on UK tax compliance like Making Tax Digital and direct HMRC filing. Choose it over BukuWarung if you operate in the UK or US and need a full accounting tool with payroll and invoicing, rather than a micro-business payments and credit app.
Where it is strong
- Direct HMRC filing for VAT, Self Assessment, and payroll, with Making Tax Digital compliance.
- Built-in cashflow forecasting with a 90-day projection.
- Free for customers of NatWest, Royal Bank of Scotland, Ulster Bank, and Mettle business accounts.
Where it falls short
- Pricing is higher than BukuWarung's free tier, and there is no free plan unless you hold a qualifying bank account.
- No credit or payment processing features like BukuWarung offers. It focuses on accounting and invoicing.
- Pricing:
- In the United States, the regular monthly price is $27, with 50% off for the first six months ($13.50/month, total $81). Annual billing is $270 regularly, $135 for the first year. Smart Capture Unlimited add-on is $6 per month.
- Switching from BukuWarung:
- Moving from BukuWarung to FreeAgent means setting up your business profile and chart of accounts from scratch, as FreeAgent does not import data from BukuWarung.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about BukuWarung alternatives
What is the best alternative for a micro-business that only needs basic bookkeeping?
Zoho Books offers a free plan for micro-businesses, which is good for basic invoicing and expense tracking. However, it lacks built-in credit or payment features. If you need simple accounting without cost, Zoho Books is a solid choice.
Which alternative has the most transparent pricing?
Xero and FreshBooks publish their pricing clearly. Xero's US plans start at $27 per month, and FreshBooks starts at $23 per month. Other tools like Wave and Kashoo do not show pricing on their sites, so you must contact sales or start a trial.
Are there alternatives that support payroll and tax filing?
QuickBooks Payroll and MYOB both support payroll and tax filing. QuickBooks Payroll is for US businesses, while MYOB handles Australian and New Zealand tax compliance. FreeAgent also offers HMRC filing for UK users.
Which alternative is best for freelancers and service businesses?
FreshBooks is designed for freelancers and service businesses, with invoicing, time tracking, and online payments. It has a 30-day free trial and plans starting at $23 per month. It is a good fit for North American users.
Can I use any of these alternatives outside the US or UK?
MYOB is built for Australia and New Zealand, with GST/BAS compliance and Single Touch Payroll. Xero supports multi-currency and has a large app ecosystem, making it suitable for international businesses. However, pricing is in USD and may be higher for non-US users.
Last updated October 15, 2026.