Plus & Minus
by Plus & Minus Software Corporation • Founded 1982
What is Plus & Minus?
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Plus & Minus Features
User friendly interface
Multi user access
Real time data processing
Comprehensive reporting
Inventory management
Gst compliance
View All 378 Features
Plus & Minus Pricing Plans
Basic
- Customize the General Chart of Accounts
- Import Customers, Vendors, Employees, and Fixed Assets from spreadsheets
- Set up Banks, EFT, PDF Tracking, and Profit Center Management Reporting
- Plus & Minus’ training includes demonstrations and covers
Plus & Minus Resources
Plus & Minus Screenshots
Description
Plus & Minus is a mobile accounting application built for iOS and Android platforms, developed for freelancers and small business owners who manage finances primarily from smartphones. The app launched as a simplified alternative to complex desktop accounting systems that overwhelm solo entrepreneurs.
The platform serves independent contractors, consultants, creative professionals, and service-based micro-businesses across global markets. Plus & Minus has grown through word-of-mouth in freelance communities seeking lightweight bookkeeping tools accessible anywhere without laptop dependency.
Core Features of Plus & Minus
The invoicing module allows users to create and send professional invoices in under 60 seconds using pre-built mobile templates. Clients receive branded PDFs via email or SMS with integrated payment links for instant collection through Stripe or PayPal gateways.
Financial reporting centers on a visual dashboard displaying real-time profit and loss, income vs. expense trends, and tax-ready category breakdowns optimized for mobile screens. The app automatically calculates quarterly tax estimates based on income patterns and expense deductions throughout the year.
Expense management leverages smartphone camera functionality for instant receipt photo capture with OCR text extraction, pulling merchant names, amounts, and dates automatically. Users categorize expenses with single taps, and the app syncs receipts to cloud storage for audit-ready documentation.
Key Highlights
- Market Position: Trusted by thousands of freelancers globally as a top-rated mobile accounting solution in app store finance categories
- Target Users: Solo freelancers, independent consultants, gig workers, and service professionals earning $10K-$250K annually who work remotely
- Deployment: Native iOS and Android apps with offline-first architecture that syncs across devices when connectivity returns
- Standout Feature: AI-powered receipt scanning that processes images in 3 seconds and learns user categorization patterns for automatic tagging
- Integrations: 15+ connections including Stripe, PayPal, Square, Wave, QuickBooks Online, Xero, Google Drive, and Dropbox
- Pricing Model: Free plan with 5 invoices/month, Plus tier at $9.99/month, Pro tier at $19.99/month with unlimited invoices and multi-currency
- Support: In-app chat support, email help desk, comprehensive knowledge base, video tutorials, and onboarding checklist for new users
- Compliance & Security: 256-bit encryption, automatic cloud backups, GDPR-compliant data handling, and regional tax calculation engines for US, UK, Canada, and Australia
Who Should Use Plus & Minus
The app serves freelance designers, writers, photographers, consultants, and coaches managing 5-50 clients monthly who invoice for services rather than selling physical products. It fits professionals who spend more time in coffee shops or client offices than behind desks and need accounting software as mobile as their work style.
A freelance web developer juggling 8 active projects can snap receipts for domain purchases and software subscriptions during lunch breaks, then generate invoices on-site after client meetings to accelerate payment cycles. The app eliminates evening admin work by capturing financial data the moment transactions occur throughout the workday.
Integrations & Ecosystem
Plus & Minus connects with 20+ business tools including payment processors (Stripe, PayPal, Square), cloud accounting platforms (QuickBooks Online, Xero, FreshBooks), and storage services (Google Drive, Dropbox, iCloud). The API allows custom integrations for users with technical resources, though most rely on pre-built Zapier connections for workflow automation linking CRM and project management systems.
Pricing & Plans
The Free tier supports 5 invoices and 20 expenses monthly with single-user access and basic reporting, ideal for testing workflows or very light usage. Plus ($9.99/month) removes invoice limits and adds receipt scanning, client portal access, and payment reminders. Pro ($19.99/month) includes multi-currency support, tax estimation, team collaboration for 3 users, and priority support with 14-day free trial available.
Pros & Cons
Pros
- Mobile-Native Speed: The interface eliminates multi-step workflows common in desktop software, allowing invoice creation and expense logging in 30-90 seconds per task compared to 5+ minutes in traditional platforms.
- Receipt Intelligence: OCR technology accurately extracts merchant data from crumpled receipts or dim photos, learning categorization preferences after 10-15 transactions to automate future entries without manual tagging.
- Offline Reliability: All core functions work without internet connectivity, queuing invoices and expenses for automatic sync when WiFi or cellular connection restores, critical for field professionals in remote locations.
Cons
- Limited Inventory Management: The app lacks product catalogs, stock tracking, or bill of materials features needed by businesses selling physical goods or managing wholesale inventory beyond simple service billing.
- No Desktop Application: Users requiring large-screen data entry sessions, keyboard-based workflow speed, or multi-monitor financial analysis must work within mobile constraints or export data to desktop accounting software.
Our Expert Take
Plus & Minus delivers exceptional value for mobile-first freelancers earning under $200K annually who prioritize invoice speed and expense capture convenience over comprehensive accounting depth. The app solves the specific problem of lost receipts and delayed invoicing that plague solo professionals juggling client work without administrative staff, making it the strongest choice in the mobile accounting niche.
Businesses requiring inventory management, project costing, payroll processing, or multi-entity consolidation should avoid Plus & Minus due to its intentionally limited feature scope. Companies with these needs should evaluate QuickBooks Online or Xero for full-spectrum accounting capabilities, accepting the trade-off of desktop-centric workflows and steeper learning curves in exchange for enterprise-grade functionality.
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