Acumatica vs Billy: Complete Comparison (2026)
An in-depth comparison of Acumatica and Billy to help you choose the right tool for your business.
Last updated: November 2026
Acumatica
6.4/10
Acumatica is a cloud ERP covering financials, distribution, manufacturing and construction for mid-sized businesses, priced by resources used rather than user seats.
Billy
6.1/10
Danish online accounting software for sole traders and small businesses, covering bookkeeping, invoicing, bank reconciliation and VAT filing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.1/10 |
| Analytics | 6/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 4/10 | 8/10 |
| Customization | 8/10 | 4/10 |
| Ease of Use | 5/10 | 7/10 |
| Integration | 8/10 | 6/10 |
| Scalability | 8/10 | 3/10 |
| Security | 7/10 | 5/10 |
| Support | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | Contact for pricing | DKK 160/mo Basic |
| Estimated cost for 10 users | Contact for pricing | Free Free |
| Features | ||
| Bank Reconciliation | ||
| Financial Reporting | ||
| General Ledger | ||
| Invoicing | ||
| Multi-currency | ||
| Payroll | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
Acumatica vs Billy cost by team size
| Team size | Acumatica | Billy |
|---|---|---|
| 1 user | Contact for pricing | FreeFree |
| 5 users | Contact for pricing | FreeFree |
| 10 users | Contact for pricing | FreeFree |
| 25 users | Contact for pricing | FreeFree |
| 50 users | Contact for pricing | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Acumatica
- Higher Scalability score (8/10 vs 3/10)
- Higher Customization score (8/10 vs 4/10)
Why choose Billy
- Has a free plan (Acumatica does not)
- Higher Cost score (8/10 vs 4/10)
- Higher Ease of Use score (7/10 vs 5/10)
- Better fit for small business (9/10 vs 5/10)
Pros & Cons
Acumatica
Pros
- Unlimited user licensing lets companies add staff to the system without per-seat fees.
- Industry editions for construction, manufacturing and distribution extend the core financials.
- Reviewers on Capterra and TrustRadius praise its customization and integration flexibility.
- Its multi-entity and intercompany accounting support companies that run several legal entities.
- The 2026 R2 release added AI-assisted bank matching and 1099 preparation for the IRS IRIS system.
Cons
- List prices are not published, so every buyer needs a sales consultation for a quote.
- Reviewers frequently cite a steep learning curve and tedious setup.
- Customers depend on implementation partners, and customization can be costly.
- Some users report that upgrades disrupt custom workflows and settings.
- Reviewers say reporting and the warehouse management module could be stronger.
Billy
Pros
- The free plan includes full bookkeeping and VAT filing, which suits very small businesses.
- Phone, email and chat support runs every day from 7:00 to 22:00, and Trustpilot reviewers often praise it.
- Bank reconciliation works through a bank connection or a CSV upload on every plan.
- Expense data from Pleo goes straight into Billy journals, with VAT codes kept.
Cons
- The free plan is capped at 3 invoices and 10 expense vouchers a month.
- Integrations, reminders, quotes, subscription invoicing and payroll need Plus or higher.
- It is built for Danish compliance, and some guidance is only in Danish.
- Some users report duplicate accounts after reconnecting their bank.
Not sold on either?
Frequently Asked Questions
Acumatica scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Billy. The largest gap is in Scalability: 8/10 for Acumatica and 3/10 for Billy.
Billy has a free plan; Acumatica does not list one.
Billy is the better fit for small business: we rate it 9/10 for them, against 5/10 for Acumatica.
