Why AllMy Ledger Is a One-Time Purchase

Every accounting app I looked at charges monthly. QuickBooks Online starts at $30/month. FreshBooks is $19. Xero is $29. Even the "free" ones like Wave make their money on payment processing and payroll upsells.

AllMy Ledger is a one-time purchase. You download it, you own it, you use it for as long as you want. No renewals, no price increases, no "your subscription expired" lockout screens.

People ask why we did it this way. The honest answer is that a subscription didn't make sense for what this software does.

AllMy Ledger runs on your computer. There's no server infrastructure on our end processing your transactions, no cloud storage hosting your data, no bank feed aggregator maintaining connections to thousands of financial institutions. The ongoing costs that justify a subscription model for QBO or Xero don't exist here.

Your data is a file on your hard drive. The app is a program on your computer. Once you have both, you don't need us for anything. It would feel dishonest to charge monthly for that.

There's also a practical argument. If you're a freelancer or sole proprietor, $30/month for accounting adds up. That's $360/year. Over five years you've spent $1,800 on software that does the same thing it did on day one. If your needs are straightforward, send invoices, track expenses, reconcile a bank account, run reports at tax time, you shouldn't have to keep paying for that.

We do offer an optional annual service contract for $49/year if you want priority support and guaranteed updates. But it's optional. The software works fine without it, and you'll still get security patches and bug fixes either way.

This model works because AllMy Ledger is focused. It's not trying to be Salesforce. It does bookkeeping, invoicing, estimates, bank reconciliation, and reporting for small businesses. That scope is manageable for a small team, and it means we can charge a fair price upfront instead of extracting revenue month after month.

If you're evaluating accounting software right now, do the five-year math on whatever you're considering. Then compare it to a single payment.