how to start an accounting and finance personal statement

Sample Personal Statement Accounting and Finance

by Talha Omer, MBA, M.Eng., Harvard & Cornell Grad

In personal statement samples by field.

The following personal statement is written by an applicant who got accepted to several top accounting and finance programs. Variations of this PS got accepted at the University of Michigan, Vanderbilt, and Indiana University. Read this personal statement to understand what a top essay in Accounting and Finance should look like.

Example Personal Statement Accounting and Finance

I have never made popular choices, whether academic or professional. Where high academic achievement irrefutably means pursuing a career in Medicine or STEM, I opted for a career in management. I was free to choose a path for myself, owing to my performance during an extensive pre-induction professional training program. Fortunately, I picked a path that everyone believed was insignificant.

My decision to move to a new city to pursue my path did not receive encouragement. Making my own decisions has given me the freedom to dream and make it a reality. It has strengthened my belief that I am the only one who can bring a difference for myself and those around me. Brazil’s institutions may seem frozen, yet, at the grassroots, Brazil is in perpetual motion with ceaseless creativity. To accelerate this motion, we need to bring better and more affordable solutions; I plan to do that.

Growing up in Brazil, I have constantly questioned why we are still not growing economically despite having abundant resources. I frequently discussed the economic factors affecting us with my father, leading me to work at local NGOs and attend voluntary programs. My interest intensified when I discovered during these experiences that the unequal distribution of resources was a major cause of our economic constriction.

Moreover, our medical, engineering and academic professionals would not work in rural areas due to a lack of facilities, further debilitating the imbalance. It made me realize that we could only reap the benefits of our efforts if there were a proportionate distribution of resources. Realizing how effective mobilization of resources can aid in eradicating social ills, I developed an interest in management. This equipped me with technical knowledge and provided room for opinion building.

Pursuing this path, I joined the leading undergraduate institution in the country. The zeal with which I made this decision led me to graduate summa cum laude. While studying, I taught communication skills to undergraduate business students from rural areas. Meeting these students compelled me to get involved even though I lacked formal teaching training. Through empathy and friendly get-togethers, I was able to help these students conveniently traverse in English. With this experience, I understood that my time and energy had been well spent and that as an agent of change, one does not necessarily need to be exceptional; instead, one requires creativity, patience, and emotional intelligence.

After graduation, I followed through with my goal of facilitating change by joining the banking sector as an accounting and finance trainee. By working in Brazil’s most vital financial sector, I was exposed to diversified experiences, from being as simple as issuing customer chequebooks to designing accounting and credit proposals to the tune of USD 1.2 billion. Furthermore, while working on individual projects, I developed an in-depth understanding of international accounting rules that regulated trade transactions; the learning opportunities were immense.

Two and a half years of experience in the finance sector brought me to work for the country’s central bank. The anxiety that accompanied moving away from home for the first time was overwhelmed by my professional and personal growth. Nine months of extensive training and on-the-job assignments exposed me to interminable learning opportunities. However, my real gain has been in the form of self-improvement and growth that accompanied my first experience living independently. Leaving the protective living that I enjoyed with my family is challenging, but it has developed and strengthened my capabilities of taking and owning my decisions. Above all, knowing that my family is not always around to guide me has instilled in me a greater sense of responsibility.

During the two a half years of experience in accounting and finance, I observed the financial exclusion experienced by some important yet financially constrained sectors of the economy. This exposure motivated me to join the Development Finance Department upon my appointment to the country’s central bank. Moreover, most of the firms operating in any country of the world are either small or medium enterprises. Thus, providing an enabling environment to such enterprises is significant for economic growth and employment generation.

In Brazil also, 90 percent of the enterprises are small and medium-sized, and lack of access to formal sources of finance is a significant impediment to these enterprises’ growth. Therefore, a huge room for improvement is available concerning the development of policy framework and market infrastructure for the financial inclusion of this sector. As a part of the central bank, I have been allowed to intervene in a system that is not effectively performing its role of financial intermediation. Innovation in financial products, development of accounting and risk mitigation strategies are requirements to alleviate this segment’s financial exclusion.

By broadening my exposure and enhancing my knowledge, I aim to equip myself better to address the shortcomings of one of the critical segments of the economy.

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• Accounting personal statements

Accounting and finance degree personal statement example (1a)

My decision to apply for a degree course in Accounting and Finance stems from my research in the college library and my career aspiration to become a chartered accountant. I particularly enjoy administrative work, numerical and statistical exercises, and opportunities to work with others as a team. I am confident that these strengths and transferable skills will be developed in a degree course, and valuable in my subsequent career

In order to get a head start, I have arranged a two-week work experience programme with Ahmed and Co accountancy, which provides services for well-known restaurants, cafes and other businesses. These two week work experience will provide me with a greater understanding of the basic skills required of an accountant, and introduce me to techniques such as cash balance appraisal, budgetary control and current cost accounting

I am currently studying A- Level ICT and History and AS- Level Urdu and Business Studies. Studying AS-Level Business Studies will provide the foundations and understanding of real life problems faced by businesses and the right solutions that are used by professional businesses in order to succeed and A-Level in ICT will give me a better understanding of advanced technology available that can be used in order to process more easily with less time consuming

I am a very active sportsman, taking advantage all sports facilities that my college provides. I have represented my college in cricket, football, basketball and cross-country and the medals, certificates and trophies accomplished can represent these. I hope to take these achievements further by representing the university in the sports facilities it will provide and by achieving more medals and trophies as possible

I believe university offers an excellent opportunity to further my learning in a challenging environment so I am applying for a degree in accounting and finance, which will enable me to acquire the skills required to understand the world of business and help me become a chartered accountant

I look forward to the challenge of a demanding degree course, and am confident that I have the personal qualities and academic motivation to make a success of it.

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• How to start a personal statement: The attention grabber

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The best statements tend to be genuine and specific from the very start. You'll be on the right track if you show your enthusiasm for the subject or course, your understanding of it, and what you want to achieve.

Admissions tutors – the people who read and score your personal statement – say don’t get stressed about trying to think of a ‘killer opening’. Discover the advice below and take your time to think about how best to introduce yourself.

Liz Bryan: HE Coordinator and Careers Advisor, Queen Elizabeth Sixth Form College

Preparing to write your personal statement.

Start by making some notes . The personal statement allows admissions tutors to form a picture of who you are. So, for the opener, think about writing down things, such as:

• why you’re a good candidate
• your motivations
• what brings you to this course

If you’re applying for multiple courses , think about how your skills, academic interests, and the way you think are relevant to all the courses you've chosen.

Top tips on how to write your statement opener

We spoke to admissions tutors at unis and colleges – read on for their tips.

1. Don't begin with the overkill opening

Try not to overthink the opening sentence. You need to engage the reader with your relevant thoughts and ideas, but not go overboard .

Tutors said: ‘The opening is your chance to introduce yourself, to explain your motivation for studying the course and to demonstrate your understanding of it. The best personal statements get to the point quickly. Go straight in. What excites you about the course and why do you want to learn about it more?’

Be succinct and draw the reader in, but not with a gimmick. This isn't the X Factor. Admissions tutor

2. Write about why you want to study that course

Think about why you want to study the course and how you can demonstrate this in your written statement :

’Your interest in the course is the biggest thing. Start with a short sentence that captures the reason why you’re interested in studying the area you’re applying for and that communicates your enthusiasm for it. Don't waffle or say you want to study something just because it's interesting. Explain what you find interesting about it.’

It's much better to engage us with something interesting, relevant, specific and current in your opening line… Start with what's inspiring you now, not what inspired you when you were six. Admissions tutor

3. Avoid cliches

Try to avoid cliches and the most obvious opening sentences so you stand out from the very first line . UCAS publishes a list of common opening lines each year. Here are just some overused phrases to avoid using in your personal statement:

• From a young age…      
• For as long as I can remember…
• I am applying for this course because…
• I have always been interested in…
• Throughout my life I have always enjoyed…

And try not to use quotes . Quotations are top of the list of admissions tutors' pet hates.

4. Maybe don't begin at the start?

’Concentrate on the main content of your statement and write the introduction last. I think the opening line is the hardest one to write, so I often say leave it until the end and just try and get something down on paper.’

It may be easier to get on with writing the main content of your statement and coming back to the introduction afterwards –that way you will also know what you’re introducing.

I often advise applicants to start with paragraph two, where you get into why you want to study the course. That's what we're really interested in. Admissions tutor

The personal statement tool image

Don’t be tempted to copy or share your statement.

UCAS scans all personal statements through a similarity detection system to compare them with previous statements.

Any similarity greater than 30% will be flagged and we'll inform the universities and colleges to which you have applied. 

Find out more

Joseph bolton: year 2 history& politics student, university of liverpool.

• Do talk about you and your enthusiasm for the subject from the very start.
• Do be specific. Explain what you want to study and why in the first two sentences.
• Do come back to the opening sentences if you can’t think what to write straightaway.
• Don’t waste time trying to think of a catchy opening.
• Don't waffle – simply explain what you find interesting about the subject and show that you know what you are applying for.
• Don't rely on someone else's words. It's your statement after all – they want to know what you think.

One final thought

Think about making a link between your opening sentence and closing paragraph – a technique sometimes called the 'necklace approach’.

You can reinforce what you said at the start or add an extra dimension. For example, if you started with an interesting line about what’s currently motivating you to study your chosen degree course, you could link back to it at the end, perhaps with something about why you’d love to study this further at uni.

Need more advice?

• Struggling with the conclusion to your personal statement? Read our guide on how to finish your statement the right way .
• Read more dos and don’ts when writing your personal statement . 
• Discover what to include in your personal statement .
• Start your opening sentences with our personal statement builder now.

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How to Write a Personal Statement for Accounting (Best Tips)

It should signify your love for numbers and your passion for business and finance. It should also provide an in-depth look into your personality and evidence that you are qualified for this course. This article will show you how to write a captivating personal statement for accounting school in the simplest yet most substantial form.

What is a Personal Statement?

What to include in your personal statement.

A personal statement is not a lengthy essay to be filled with your life story and fancy goals. It must be a concise, realistic, and compelling justification of why you’re the most suitable candidate to be granted admission.

Include these in your personal statement:

According to James Seymour, Director of Marketing and Student Recruitment at the University of Gloucestershire , universities do not want a beautifully written essay with tens of achievements but a realistic picture of a candidate with all efforts, traits, goals, and hardships that shaped him for an accounting major.

How to Write a Personal Statement for Accounting (Step-by-Step Guide)

1. do your research.

Be very sure about what and where you are applying for and why you are applying for it. Do your research on:

This research will make you confident about your choice and your plans. Reflect the knowledge gained from this research into your statement. Tip: Do thorough research and make notes on the achievements of instructors, industry leaders, and related case studies. This will help you in compiling evidence-based personal statements.

2. Brainstorm and Write

Once you have done enough research and analysis on pursuing an accounting and finance program, the next step is to jot it down. Take a paper and pen, and write whatever comes to your mind regarding the course and your application. Leave the structure and language for now, and think and write whatever comes to your mind. Support your every thought with evidence from the research you did in step#1.

3. Filter it Out

Group sentences into the above sections and then write them in paragraph forms under each section.

4. Arrange and Refine

5. analyze and improve sections, 6. set the flow.

Once the content is completed, the next step is to arrange the paragraphs in a sequence. Read the individual paragraphs and make connections between them. Each new paragraph should be a smooth transition from the previous one. Arrange paragraphs in such a way that it keeps the reader engaged and gradually provides insights about you. Think of it as the art of storytelling . It goes from the introduction to the body of the story to the climax.

7. Proofread

8. peer check, 9. don’t be hasty in submitting it.

Yes, do not submit your personal statement along with your application if the deadline is still far off. Keep the final version with you and read it after a day or two. You will see lots of space for improvement after checking it with a fresh mind. Keep on improving and submit the best version a few days before the closing date. That’s it. We provided you with the best approach to writing a personal statement for an accounting school application. You may end up writing an amazing one if you follow these steps in a sequence. If you are still confused about structuring your accounting and finance personal statement, here is how you can do that.

How to Structure Personal Statement for Accounting and Finance

Making a general structure or outline for your personal statement will make your writing ten times easier and will give it a natural flow. The widely accepted personal statements usually follow the following structure:

Opening Paragraph

Begin your personal statement with an interesting opening paragraph. It is a very crucial part of your essay as it draws the reader in. Mention your interest in accounting and finance and explain what stokes your passion for choosing this course.

Middle Part

You can divide this part into academics and work experience as follows:.

Watch this and learn how to include academics and work experiences in your accounting and finance personal statement.

This part is a personal touch. This is where you can mention the least significant part of your story. Mention your interests, hobbies, and other activities and elaborate on how they help you develop relevant soft skills. Mention books, events, programs, or people by name that you follow. Tip: Even the least significant information must significantly relate to your passion for accounting and finance. For example, you can mention reading books like ‘Rich Dad, and Poor Dad’, listening to TEDx talks, etc. Check out this guide to learn how to talk about hobbies in a personal statement.

Tips for Writing a Great Accounting Personal Statement

Common mistakes:, amazing examples of personal statements.

After reading all the tips and tricks for writing a personal statement for accounting and finance, check out these successful examples that got selected for top-ranked institutes.

Want more examples? Here is a list of the best accounting statements that have been shared by the UCAS admission officer.

Rafal Reyzer

Hey there, welcome to my blog! I'm a full-time entrepreneur building two companies, a digital marketer, and a content creator with 10+ years of experience. I started RafalReyzer.com to provide you with great tools and strategies you can use to become a proficient digital marketer and achieve freedom through online creativity. My site is a one-stop shop for digital marketers, and content enthusiasts who want to be independent, earn more money, and create beautiful things. Explore my journey here , and don't miss out on my AI Marketing Mastery online course.

CollegeLAH is a website by the students for the students, featuring the honest story of applications and university life as told by Malaysians. It’s a non-profit social project to help Malaysian students to achieve their higher-education dreams and inspire them to reach their full potential. 

Accounting and Finance Personal Statement (Hoi Lee Yang)

Hoi Lee Yang is currently studying Bsc Accounting and Finance at the London School of Economics and Political Science, and is graduating in 2021. This personal statement was part of his successful application to LSE, University of Warwick, University of Bristol and Durham University for Accounting and Finance.

As a child, I was enamoured with the same questions that would have plagued any questioning child’s mind. Like any aspiring engineer or doctor or lawyer, I yearned to know more about how the world, in all its intricacy and sophistication, functioned. I savoured my opportunities to learn about the breakthroughs of physics in creating our modern comforts, and relished the study of history: of how every nascent today is inextricably linked to past events. I have been thrilled by the knowledge of anatomy, learning so intently about what I was, and how I functioned. Despite all this, the world appeared insistent in showing me that the true key to understanding its machinations lay not in any of these fields. The surest way to make sense of the world, it seemed, was in a certain field without which all human activity would not function. It manages us, as much as we try to manage it: money.

I am interested in accounting and finance due to its sheer ubiquity. I realise that every economic entity, from the big corporations and governments down to local sundry shops or even households, relies on the management of finances and planning for the best future outcome. Accounting has always been a deep-rooted industry, charting a colourful history from the clay envelopes used for bookkeeping in 5000 BC Mesopotamian temples, to the double-entry ledgers of Medieval Venice. Regardless of what general perception might contend, though, I am convinced the field of accounting is also one of growth and vibrancy. Looking to the recent proliferation of financial technology, or Fintech, I am particularly keen to follow the advances in the field as I make my journey into accounting at university.

March 2017 saw HSBC, Europe’s largest bank, partner up with an online commerce platform, Tradeshift, to offer an online alternative for financing and paperwork. This is part of a broader phenomenon of big finance companies collaborating with Fintech startups not just in the UK, but around the world. On the ground, we see the business world evolve, just as it did when manufacturing first took root in the Industrial Revolution. A KFC outlet in Beijing now accepts payment through facial recognition, and the Singapore government is working on a standardised QR code system for all monetary transactions. Bitcoin, despite price volatility and initial hostility from banks had, by the end of August 2017, octupled its market value in a year, pointing to its increasing use as a medium of transaction. Other cryptocurrencies like Ethereum and Litecoin also follow suit. At university, I am eager to refine my knowledge of the current framework of finance, and alongside a group of equally-curious peers, enrich myself with a better understanding of how the status quo will adapt to these technological advances.

I am drawn to accounting and finance due to the promise of challenge, not only arithmetically but also in tackling complex problems. A-Levels also marked my first exposure to the world of Economics, allowing me to enrich my understanding of accounting with a background context in how the business world worked. The course compelled me to pick up books such as Daron Acemoglu’s ‘Why Nations Fail’, which intrigued me with the idea that governments must strive to maintain inclusive economic activity that incentivises every party to work hard. The copious examples of failed civilisations which could not ensure a reward for parties to take risks and adopt new technologies had also sparked my interest in management, realising how similar the running of businesses are to that of entire civilisations.

I feel I am a dynamic, curious and highly-motivated student who is very excited about the prospect of studying Accounting & Finance at a first class university in the UK. I eagerly look forward to the challenges I will face on an academically rigorous and complex course. And hopefully by the end of my degree, the machinations of the world will be a little less elusive.

DISCLAIMER:  The personal statements on this site are strictly meant as a starting point to give an idea of how successful personal statements look like. There is no surefire formula to writing good personal statements.  COLLEGELAH IS STRICTLY AGAINST PLAGIARISM OF ANY KIND .  UCAS employs a plagiarism check system  that checks applicants’ work against other published writing so please  DO NOT PLAGIARISE.

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What to include in a Personal Statement

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Personal statement example accounting and finance personal statement.

Submitted by Alex

Get the skills needed for an engaging and successful career

Pick Roehampton's Accounting degree for hands-on learning, networking opportunities, and paid placements setting your future up for success.

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Choose Sussex for cutting-edge degrees in Finance, FinTech, Banking and Digital Finance. Prepare for a digitally advanced workplace.

Accounting and Finance Personal Statement

Accounting is a necessary activity within everyday life, without which businesses would not be able to function. Management Accounting is the core operation of any successful enterprise. My interest began when I started a business at the age of fifteen buying and selling goods at a profit. I learnt to manage my profit by investing in goods with high customer interest and low costs. This made me realise the importance of money in society and promoted my desire to explore this subject further at university.

Mathematics has always been my strongest and favourite subject during my academic life and I believe my well-developed numeracy skills will help me advance in this course. By also studying Chemistry at A-level, I have developed my analytical and critical skills. I was able to put these skills to the test by participating in the United Kingdom Mathematics Trust Challenge three times and I look forward to tackling even more demanding challenges during the degree course. Economics A-level has allowed me to expand my knowledge on the basics of the economy and the high demands of consumers. I have independently developed a clearer understanding of the world of finance ; reading 'The Money Machine' expanded my perspective of the financial system in the City, making me aware of the importance of interest rates to a business and the influence on revenue.

I gained valuable insights into the world of finance by completing my work experience at accounting firms within the North West, where I was asked to complete annual reports for local businesses to assess their profits. During work experience at SL Accountancy Solutions I was surrounded by colleagues who spoke Mandarin to their clients. I found I was able to adapt to a foreign language environment and managed to communicate effectively with Mandarin-speaking clients through phone calls. Working among people who have the same interests as me and listening to their experiences made me even more determined to study Accounting and Finance at University level.

With the increasing interaction of global companies, understanding different cultures and languages is becoming a vitally important aspect of modern business. Through speaking fluent Cantonese and having lived in Hong Kong for 8 years, I can fully appreciate the variety of cultures within an industry and hope to utilise this valuable skill by working in an international corporation in the future. For the past three years I have volunteered at Barnardo's, dedicating several hours a week to helping my local community.

Working part-time as a sales associate at Hollister, alongside my studies, has advanced my abilities to interact with customers in a friendly manner and enabled me to manage my time wisely. I have taken on roles of responsibility in school such as being elected as form captain, which enhanced my organisational skills. Taking part in the Young Enterprise Scheme in the role of financial director allowed me to showcase my numerical and logical skills. I was able to present the accounts of the company and dictate where the costs were allocated. I enjoyed this role as it gave me a sense of control over the business. I worked in a team with fellow students in order to devise a business strategy to sell and advertise our handmade products. When the Managing Director left our group, I felt it was my duty to take charge and organise our company. This shows that I can adapt my role under different circumstances.

I was also selected by teachers as peer mentor for the new Year 7 students, helping them make the transition into secondary school, highlighting my ability to work with people of different ages. Being a fully committed and dedicated student I will persist until my ultimate goal is achieved. I am firmly convinced that my career lies in the field of accounting and finance and by following this degree course I will build a crucial foundation for my future.

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Personalized financial planning explained step-by-step

Create a personalized financial plan, start-to-finish, for all your financial goals, with tools and resources to help you succeed, including tips on investing beyond your 401(k).

When it comes to life's biggest moments, you probably had a plan. Your family vacation, for example, followed a timeline, a budget—even if you busted it with that fancy dinner on your final evening—and involved compromise and conversation. Smart financial planning follows the same logic.

What are the basics of financial planning? Which steps should you take first in financial planning? Our information and how-to articles (linked below) can help. They take you step-by-step through what you need to know to create a personal financial plan and help get your money in order. From the groceries you need, to the retirement you want, and the car repair bill that’s looming, these ideas help you balance long-term dreams with short-term wants, plus those unexpected events that happen along the way.

This list offers a nice framework you can build on and adjust throughout your life.

It’s OK if you’ve started on some of these tasks. It’s also OK if you haven’t. Just start with one and keep going. (Or tackle the whole thing on a long, rainy weekend with a big pot of coffee and the dog at your feet.)

Let’s get started.

1. Set financial goals.

Goals are crucial to a financial plan. Before calculating how to get somewhere, you need to decide where you’re headed and why. Developing a savings plan based on specific financial goals throughout your life can help you use your money wisely. Do you want to:

• Save toward a down payment on a new home?
• Establish a college education fund for your children?
• Pay down or minimize existing debt?
• Launch a small business?
• Accelerate your retirement investing and savings?

Once you take time to envision the sort of life you want live a few years or many years from now, you can organize your financial goals into three general time horizons:

• Short-term goals (six months to five years): This phase may include many of the initial steps outlined on this list, including budgeting, paying down debt, and building an emergency fund.
• Mid-term goals (five to 10 years): Buying insurance or expanding your investment approach may be part of the mid-term goal planning.
• Long-term goals (10+ years): This is where you dig into detailed retirement planning to combine your best thinking around what you truly value in life with expertise from trusted sources of financial education and insight.

Set a more specific target date for each your financial goals. For instance, if you’re the parent of a toddler who may head to college in the 2040s, that gives you a deadline for your college savings goal .

Organize your goals between needs and wants. Layer in the current state of your savings to see how you can adjust your pace of savings to meet your target dates. Do you have money in a 401(k) ,  403(b) , Roth IRA , or  IRA (individual retirement account)? If so, log those numbers as you plan your retirement-related goals .

You can weigh all these options and your financial data at a glance by committing your plan to paper with our financial goals worksheet (PDF) .

2. Follow a budget.

Instead of thinking of a budget as way to restrict your spending, use it as a tool to organize your monthly cash flow to help you pay yourself first (savings/investing) and still have room for the fun stuff. Seeing all your sources of income and spending in detail is important to assess your financial options both now (those short-term wants) and for your distant future (long-term dreams). Your budgeting will include both fixed expenses (think housing, transportation, debt, etc.) and discretionary expenses (restaurants, entertainment, gifts, etc.).

Keep in mind the wide variety of digital apps and tools available to help you make and maintain a budget in your daily life. Depending on your preferences and comfort with mobile apps, you can link financial accounts or set alerts to help categorize and monitor your spending. (As a Principal customer you can link accounts and explore budgeting features as part of your personal financial dashboard when you log in through principal.com or our mobile app.)

For the basics, learn how to create a budget that works for you—not against you (downloadable budgeting sheet included).

3. Build an emergency fund.

All the planning in the world won’t help if life throws you a curveball and you’re not prepared financially. That’s where emergency savings comes in handy.

• First, calculate how much emergency savings you may need: The minimum recommended emergency savings tends to start at three months of living expenses—with six months or a year providing a more realistic buffer to regroup after a setback. The flexibility of your cash flow helps determine your ultimate target for an emergency fund and how quickly you can reach it. If you’re self-employed, your emergency savings should be even larger due to your generally greater financial risk (income volatility, unplanned business expenses, etc.).
• Second, pick a tactic that works for your financial habits: Do you want to automate your savings—for instance, divert a small sum from your regular paycheck so it’s deposited into a savings account instead of your checking? Or will you transfer a significant sum—say, a work bonus or tax refund—to kick-start your emergency fund?
• Choose an account: You want a liquid, accessible account for your fund, but not one that’s too tempting for impulsive withdrawals. For instance, a high-yield savings account with a minimum balance may be a good fit. ( Compare online bank savings and money market rates .)
• Set parameters for yourself and always replenish the fund: Is the expense unexpected, unavoidable, and urgent? The more your expense meets all three of those criteria, the more it’s likely suited to be covered by your fund. Once you dip into the fund, build it back up as soon as possible.

4. Manage debt.

Understanding and managing debt is a key part of creating a financial plan. Building a positive credit history can help improve your credit score and, in turn, help you qualify for lower interest rates on loans as part of a comprehensive strategy to maximize your incremental savings. It’s important to remember that not all debt is bad: A home mortgage giving you the ability to use the interest paid for a tax deduction can be beneficial. However, a revolving credit card with a high interest rate and ballooning balance doesn’t help your financial plan.

You have multiple ways to help tackle debt: The “snowball method” prioritizes paying smaller loans first to help buoy your spirits with tangible progress in shortening your debt list. Or you can focus on paying off the loans with the highest interest rates so you pay less overall, even if you maintain more loans for longer.

Learn how to pay off the debt you owe now and build a long-term debt-management strategy (worksheet and calculator included).

5. Protect with insurance.

The routines and norms of your daily life can change in an instant. People with a good financial plan hope for the best but always try to plan for the unexpected. Insurance helps with that. You may not realize the flexibility of life insurance as a financial tool to protect you and your dependents in the wake of a tragedy. Or maybe you haven’t been introduced to how short- or long-term disability insurance can help maintain your lifestyle by protecting your income. Here are two key questions to ask yourself:

• Do you have disability and life insurance at work? Your HR or benefits administrator should be able to help you determine your coverage and basic features such as an “elimination period” (how long you would wait to receive benefits if you do become disabled).
• How much coverage do you have vs. how much you may need? Long-term disability insurance typically replaces about 60% of your income—sometimes less than half after taxes. So, you may want to bundle that coverage with an additional private pay policy, depending on your budget, priorities, and risk tolerance. (Try our disability income calculator .) Your life insurance at work may be a flat rate based on your income, or you may have special benefits such as business travel insurance, advance payments for a terminal illness, or access to life insurance in retirement.

If you buy more voluntary or supplemental insurance through work, premiums often cost less through your employer and can be deducted from your paycheck. (You also may be able to avoid medical underwriting to start coverage, as well as take the policy with you if you leave your job. However, if you buy the insurance on your own, you may be able to buy more coverage and better customize it to your specific needs.)

6. Plan for taxes.

Paying taxes is part of your inevitable financial routine. First, know your tax bracket and how that may evolve throughout your life.

Integrate a more targeted and year-round tax strategy into your financial plan to better allocate your money according to your priorities. Know the difference between deductions and credits and how your plan will incorporate both. You may spot simple deductions or credits you overlooked in previous years. You can learn the importance of tax sheltering through tax-deferred accounts such as employer retirement plans, IRAs, Roth IRAs, health savings accounts (HSAs), and more. You may pursue more specialized moves such as tax-loss harvesting .

If you have access to a benefit such as a HSA and expect to use it to pay for out-of-pocket medical costs, that could help reduce your overall tax burden. If you’re age 50 or older, you may be able to make catch-up contributions with your retirement savings.

Explore ways to save on your taxes next year, using our tax planning worksheet to think through potential income tax credits and deductions. For even more resources, visit our tax center on principal.com .

7. Plan for retirement.

Even if it’s a long way off, think about what you want your money to do for you when you retire. You’ve probably heard the basic recommendation to try to save aggressively for retirement early in your career, so every dollar works harder by compounding for many more years. Or you know the general rule to aim to replace 80% of your income in retirement. But rules of thumb are no match for a direct, specific interrogation of your personal finances and life goals to build a retirement plan right for you.

There are numerous details that depend on your unique circumstances. Will you pay off your home mortgage before retiring? What will be your sources of retirement income? Have you considered the impact of inflation? Have you factored in the costs of long-term care or a nursing home ?

As you near retirement, evaluate what will be taxable when you remove money from an account such as a 401(k) vs. what could be tax-free, such as a Roth IRA after a certain number of years. Strategies such as Roth conversions are one way of managing the tax implications over time, so you have a balance of retirement income sources. If you have significant 401(k) savings you may want to consider rolling it over into an IRA to help provide more investment options. Learn how to start a rollover IRA .

In the bigger picture, get started creating your own custom retirement plan to help you take a more holistic approach to retirement . You also can consult our Retirement Wellness Planner to build a more detailed plan based on your specific finances. Even better, work on your retirement planning with a trusted financial professional.

8. Invest beyond your 401(k).

To reach your mid- and long-term goals, take your savings strategy and put an engine behind it. That’s what investing can do. Does your timeline and risk tolerance favor a more conservative approach, with options such as government bonds or certificates of deposit? Or do you prefer more aggressive investing in stocks and private equity? Regardless, diversifying your investments can help you generate more consistent returns over time to withstand volatility. A thoughtful, diversified approach—including regularly rebalancing your portfolio to account for market shifts and life stages—is within reach (especially if you take advantage of the expertise of a financial professional ).

Get started broadening your investments with these three steps.

9. Create an estate plan.

You don’t have to be wealthy, old, married, or a parent to need an estate plan, which also lays out who makes financial and health care decisions for you if you can’t make them yourself. An estate plan, ideally including a will (to avoid extra legal costs and confusion among your beneficiaries), enables you to clearly articulate your intentions for your assets after you’re gone. Who will wield power of attorney on your behalf? Will you include a living will in case you’re incapacitated and unable to communicate your wishes?

Learn the basics of estate planning and options for creating one.

Congratulations on working through the steps!

Here’s when to review your financial plan.

Take a fresh look at least once a year or after a big life change, such as:

• Significant change in income
• Change in family dynamics like having a baby or adopting, getting married, divorce, or losing a spouse/partner
• Selling or buying a home
• Inheritance
• Unexpected debt
• Change in financial goals

What’s next?

Log in to your Principal account to see how you’re doing. Don’t have an employer-sponsored retirement account or want to save even more in addition to a 401(k)? We can help you set up your own IRA or Roth IRA . If you don’t already work with a trusted financial professional, we can help find one near you .

7 doable steps to help you create a will

A list of assets and an executor are just two of the things you need to help you create a will. 

What will Social Security look like when you retire?

Planning for retirement includes lots of considerations, including how Social Security may change over time.

Retirement planning for millennials: How to get started and make progress

There are hurdles for millennials to save for retirement, but there are also steps that can help ensure retirement savings for people in their 30s and 40s becomes a habit.

Investing involves risk, including possible loss of principal.

Asset allocation and diversification do not ensure a profit or protect against a loss.

The subject matter in this communication is educational only and provided with the understanding that Principal ® is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

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Best Accounting Software for Small Businesses of 2024

Karrin Sehmbi is a lead content management specialist on the small-business team. She has more than a decade of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and tutor. Karrin is based in the San Francisco Bay Area.

Hillary Crawford is a small-business writer at NerdWallet, with a special focus on business software products. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. Her work has appeared in The Associated Press, The Washington Post, Yahoo Finance and Entrepreneur, in addition to other publications. She is based in Traverse City, Michigan.

Sally Lauckner is an editor on NerdWallet's small-business team. She has over 15 years of experience in print and online journalism. Before joining NerdWallet in 2020, Sally was the editorial director at Fundera, where she built and led a team focused on small-business content and specializing in business financing. Her prior experience includes two years as a senior editor at SmartAsset, where she edited a wide range of personal finance content, and five years at the AOL Huffington Post Media Group, where she held a variety of editorial roles. She is based in New York City.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Accounting software helps you track how money moves in and out of your small business. The best accounting software makes it easy to keep a detailed financial record so that you’re ready come tax season. It also includes tools for streamlining accounting tasks, like the invoice process, and gaining insight into your business’s financial health.

To choose the right option for you, think about the present and future versions of your business — your accounting software should be able to support both. Right now, check that it’s within your budget and is compatible with your point-of-sale and/or payroll software, as well as your accountant’s system. Based on how much you expect your small business to grow, keep an eye on scalability, too.

Accounting software is like a database for all of your business’s financial transactions. It helps you follow basic accounting principles so that you can keep your books up to date and in order, which is especially important come tax season. Most software uses double-entry accounting , meaning it factors in assets, liabilities and equity, in addition to revenue and expenses.

Most accounting software goes beyond these tasks with additional built-in modules for invoicing and billing as well as inventory management , among other functions. The more your accounting software becomes a one-stop shop for these financial chores, the fewer integrations you need to consider.

» Learn more about accounting: What is accounting?

Here are NerdWallet’s picks for the best small-business accounting software, including why we selected each product, monthly price details and features checklists for easy product comparisons. We've also included a couple of solutions that nearly made our list and a few products you can skip.

Why trust NerdWallet

250+ small-business products reviewed and rated by our team of experts.

95+ years of combined experience covering small business and personal finance.

75+ categories of best business software selections.

Objective and comprehensive business accounting software ratings rubric. ( Learn more about our star ratings .)

NerdWallet's small-business software content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business software, including payroll, accounting and payment processing. Their work has appeared in The Associated Press, The Washington Post, Nasdaq, Entrepreneur, ABC News, Yahoo Finance and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.

Best Accounting Software for Small Businesses

• QuickBooks Online

Additional pricing tiers (per month): $60, $90, $200.  

$30 per month for the Simple Start plan.

$60 per month for the Essentials plan.

$90 per month for the Plus plan.

$200 per month for the Advanced plan.

» MORE: Explore all QuickBooks plans and pricing

QuickBooks Online is an industry leader in the accounting field, thanks to its strong feature set and scalability. In addition to core accounting capabilities, it has robust reporting and transaction tracking tools, invoicing capabilities, inventory management features and mobile app functionality.

In particular, entrepreneurs trying to measure performance in different segments of their business will like QuickBooks’ granular transaction tracking tools that let you group transactions by department or location, among other categories. Reporting capabilities increase with each plan, but even the least expensive Simple Start plan includes more than 50 reports.

Easy to share information with your accountant and to find QuickBooks experts and online resources if needed.

More than 750 app integrations, including live, in-house bookkeeping.

Robust feature set includes thorough record-keeping, comprehensive reporting, excellent invoicing and inventory management, plus a capable mobile app.

Daily phone support and 24/7 chat support in all plans.

Lacks industry-specific features.

Limited account users with each plan.

» MORE: Best alternatives to QuickBooks

Many of the household accounting software names, such as QuickBooks, Xero and Zoho Books, can be classified as integrated accounting software solutions. This means that in addition to maintaining a general ledger and assisting with day-to-day bookkeeping, the software includes functions for tracking accounts receivable and accounts payable , reconciling bank transactions (often with some level of automation for convenience and time-saving), managing inventory and purchase orders and handling the billing process.

Additional pricing tiers (per month): $42, $78.  

$15 per month for the Early plan.

$42 per month for the Growing plan.

$78 per month for the Established plan.

Xero is another reliable product when it comes to standard accounting capabilities. It also has excellent reporting features and a capable mobile app as well as a customizable dashboard that lets each user rearrange or hide panels according to their preferences.

Xero allows an unlimited number of users on a single account at each plan level, a valuable feature in situations where several users need some level of access to the system. And you can assign them different permission levels: For example, one user might only be able to create invoice drafts and submit time entries, while another can view reports but not edit transactions. Competitors’ plans limit how many users you can add, or they charge an additional monthly fee for each user, which can add up quickly. Xero offers a large number of integrations, too.

Unlimited users in all pricing plans.

Integrates with more than 1,000 third-party apps.

Feature set includes an excellent mobile app and suite of reports, capable invoicing features, plus automated bill and receipt capture through Hubdoc.

Simple layout and easy to use.

No phone number for customer support listed.

Entry-level plan limits bills and invoices to five and 20 per month, respectively.

» MORE: Best alternatives to Xero

Additional pricing tiers (per month): $20, $50, $70, $150, $275.  

$0 per month for the Free plan.

$20 per month for the Standard plan.

$50 per month for the Professional plan.

$70 per month for the Premium plan.

$150 per month for the Elite plan.

$275 per month for the Ultimate plan.

Unlike some competitors, none of Zoho Books’ plans put a limit on billable clients, and even its free plan lets you send up to 1,000 invoices per year. On top of that, the free option offers a customer portal, automatic payment reminders, mileage tracking and the ability to schedule reports. Higher-tier plans let users automate workflows and track project profitability, and give access to advanced inventory and analytics tools.

The software’s mobile-first features — such as the ability to send invoices by iMessage or add widgets to your phone’s home screen to easily access timers and overdue invoices — really help set it apart, though. There’s also an Apple Watch app that lets you track time, send payment reminders and review outstanding invoices.

Less expensive than some competitors; free plan available for businesses with less than $50k in annual revenue.

Email support in free plan; phone and chat support in paid plans.

Rich feature set includes excellent invoicing, inventory management, workflow rules and a capable mobile app.

Add accounting widgets to your phone’s home screen; track time using your Apple Watch.

Fewer third-party integrations and reports than some competitors.

No plan includes more than 15 users (can add additional users for a fee).

» MORE: Best Zoho Books alternatives

To find startup accounting software that will best serve your business at any stage, consider scalability as well as strong customer support. You will also want to choose software that uses the accrual basis accounting method for recording transactions. It’s a more detailed (and therefore more involved) method of accounting, but for many businesses — especially those tracking a large amount of inventory and those in need of a business loan — it’s the preferred method.

Additional pricing tiers (per month): $33, $60, custom.  

$19 per month for the Lite plan.

$33 per month for the Plus plan.

$60 per month for the Premium plan.

Custom pricing for the Select plan.

With standout invoicing features and client management resources, FreshBooks is a great accounting solution for freelancers, particularly if you have 50 or fewer total clients and can therefore opt for the Lite or Plus plan. Your clients can even choose to create their own accounts. This lets them save and comment on invoices, save their payment information, invite others to access the account and collaborate on projects they’ve been invited to view.

Unlike some competitors that require you to pay extra for a time-tracking module, all FreshBooks plans come with unlimited time tracking. You can start a timer from within the mobile app to log hours spent on a particular project or sync data from tools like Asana and Trello.

Stay in touch with clients through the FreshBooks mobile app and get notified when invoices have been viewed or become overdue.

Intuitive, customizable invoicing capabilities compete with those of more robust accounting solutions.

Track time and add billable hours to invoices in all plans.

Weekday phone support in all plans.

Lacks features that quickly growing companies need, like audit trails for accountants to review.

Highest-tier Select plan only comes with two users (additional users add $11 per month) and lower-tier plans put limits on billable clients.

Least expensive plan lacks double-entry accounting reports, bank reconciliation and accountant access.

» MORE: Best alternatives to FreshBooks

• Sage 50 Accounting

Additional pricing tiers (per month): $101.92, $172.  

$58.92 per month, for 1 user, for the Pro Accounting plan.

$101.92 per month, for 1 user, for the Premium Accounting plan.

$172 per month, for 1 user, for the Quantum Accounting plan.

Prices increase with each additional user.

Sage 50 Accounting, unlike some of its competitors, offers inventory management and job costing features at all plan levels. Also included with every plan is Sage’s own cybersecurity offering, which will keep tabs on your business credit score and monitor for data breaches. Business owners working in construction or manufacturing may be especially drawn to Sage 50’s advanced inventory, job costing, reporting and budgeting capabilities.

Sage 50 Accounting advertises “cloud-connected capabilities,” which refers to a few features of the software that reach beyond typical desktop software functionality: bank feeds, which flow all your business transactions into the software to assist with the reconciliation process; data backups in the cloud for safeguarding your important financial information; and remote data access so you, your team and your accountant can securely access your data from devices other than the machine the software is locally installed on (though perhaps not simultaneously or seamlessly).

Advanced inventory tracking and job costing features.

Industry-specific features for construction, retail and professional services businesses.

Phone and chat support, plus a dedicated account representative in all plans.

Lowest-tier plan doesn’t include audit trails.

Pricier than many other solutions on this list.

Also sometimes called on-premise software, desktop accounting software must be locally installed on a specific computer and can only be accessed from that one device or location. For some small-business owners, this type of program feels more secure than online accounting software from a data protection perspective, though regular manual backups are necessary to protect against total loss of data in the event of a technology failure.

• Wave Accounting

Additional pricing tiers (per month): $16  

$0 for the Starter plan.

$16 per month for the Pro plan.

Wave is a simple solution for very small businesses that need a place to consolidate bookkeeping records and invoices, but don’t have to log more than a handful of transactions each day. The free version of the accounting software lets you track income and expenses, send unlimited invoices and automatically send reminders for late online payments. It also gives you access to more than a dozen pre-built financial reports, including a profit and loss statement and balance sheet.

If you don’t want to manually enter transactions into Wave, you can opt for the Pro plan to link an unlimited number of bank and credit card accounts for automated reconciliation. The paid plan offers more competitive online payment processing rates, too (starting at 2.9% per transaction vs. the free plan’s 2.9% + $0.60 per transaction).

Free plan available.

Lacks features that quickly growing companies need, like audit trails.

Must subscribe to Wave’s Pro plan or other paid services (payroll, payments, advisor, etc.) to receive customer support from a human

No third-party integrations, mileage tracking feature or ability to accept in-person card payments.

» MORE : Best free accounting software

• QuickBooks Enterprise

Additional pricing tiers (per year): $1,922; $2,363; $4,668. Adding users or cloud access costs extra.  

$1,481 per year for the Silver plan.

$1,922 per year for the Gold plan.

$2,363 per year for the Platinum plan.

$4,668 per year for the Diamond plan.

With QuickBooks Enterprise, business owners can set up volume discounts and customize pricing rules according to sales rep, item category or customer in the Platinum plan and up. The same plans help speed up the inventory count process by allowing businesses to use mobile devices as barcode scanners. And unlike some competitors that only track single inventory items, QuickBooks Enterprise lets you track inventory parts plus assemblies. You can also track the cost of goods sold and adjust inventory for loss or shrinkage.

It is possible to purchase cloud access so your team can better collaborate and access the software and its data from anywhere, but costs add up quickly with an additional monthly charge per user.

Strong feature set includes thorough record-keeping, invoicing and advanced inventory management and pricing rules.

More than 200 reports, including industry-specific options for various industries.

24/7 phone and chat support.

Limited direct, third-party software integrations.

Annual subscriptions are expensive; each additional user license and cloud access costs extra.

Per user. Additional pricing tiers per user (per month): $70.  

$35 per month per user for the Standard plan.

$70 per month per user for the Enterprise plan.

With Striven’s integrated accounting software, you have access not only to your general ledger and standard reports like profit and loss but also to tools for accounts receivable and accounts payable plus billing, order management and more. Striven’s accounting software will also help ensure your business is operating in a tax-compliant manner by automating tax calculations and giving you access to various tax reports.

Striven has designed accounting solutions tailored to a dozen industries. Its retail solution, for example, includes CRM, inventory management and marketing features to integrate with its accounting platform. But its nonprofit solution includes tools for managing records and scheduling events and even includes a donation portal. And because it’s a cloud-based system, you’ll be able to access your real-time accounting and other business data on the go from anywhere.

Offers industry-specific features for consulting businesses, nonprofits, manufacturing companies, professional services and more.

Tools to ensure tax compliance.

Other features include inventory tracking, reporting, invoicing, project management tools and the ability to categorize transactions using classes.

Customer support available by phone and live chat.

Monthly costs could add up quickly if you require multiple users.

No mobile app.

Limited third-party integrations available; no POS or payroll integrations.

• Additional accounting software to consider

In our review of more than a dozen accounting software products, NerdWallet determined a couple of products are strong contenders that may be worth consideration for certain businesses. Consider one of the following solutions if those on our list above don’t suit your small-business accounting needs.

Odoo: Good for an all-in-one business management app

Consider Odoo for your business if you:

Run a small, medium or enterprise business.

Need access for an unlimited number of users.

Have a monthly accounting software budget of $0-$58.40.

Require multiple software integrations (Odoo’s open-source software has dozens of its own apps for a variety of business needs plus thousands of third-party integrations).

$0 per month for use of a single app.

$38.90 per user per month for access to all apps.

$58.40 per user per month for access to all apps across multiple companies plus Odoo’s external API.

Like its name suggests, open-source software is open to the public, meaning anyone can access and tweak its code. This makes it more customizable than typical closed-source, or proprietary, software that you purchase, download and work with as-is. Open-source products, like Odoo, are ideal for business owners who know how to code and want to play a hands-on role in customizing the product to fit their business needs.

» MORE: Best business software

ZarMoney: Good for inventory management features

Consider ZarMoney for your business if you:

Need access for one to 30 users.

Have a monthly accounting software budget of $20-$350.

Require few or no software integrations (ZarMoney has only a handful).

$15 per month for the Entrepreneur plan.

$20 per month for the Small Business plan.

$350 per month for the Enterprise plan.

» MORE: Best inventory management software

• Accounting software you can skip

These few accounting products fell short in our ratings rubric on a number of fronts. We recommend skipping them in your exploration of the best accounting software for small businesses, unless you can live without some key features these products lack and their price tag feels worth it to you.

TrulySmall Accounting: Truly lacking some important features

Where it falls short: Considering its entry price point of $20 per month, we would expect TrulySmall Accounting to come with standard accounting features such as audit trails and the ability to switch between cash and accrual accounting . The software also lacks inventory tracking tools as well as integrations with any third-party software.

$20 per month for the Accounting plan.

TrulySmall also offers standalone Invoices and Expenses plans for businesses that opt out of the Accounting plan. They cost $8.99 per month each.

» MORE: Best online bookkeeping services

ZipBooks: Zip past this one while shopping

Where it falls short: When considered through the lens of free accounting software, ZipBooks is worth a gander, (although Wave and Zoho Books both offer free accounting plans with a heavier dose of useful features). But ZipBooks comes up short on mobile app features (receipt capture only), lacks inventory tracking, doesn’t offer support from an actual human (help library only) and has no direct integrations with other software.

$0 per month for the Starter plan.

$15 per month for the Smarter plan.

$35 per month for the Sophisticated plan.

Akaunting: Don’t be fooled by “free” software

Where it falls short: Akaunting advertises its “free” accounting software, but in fact, only the base plan for its desktop (on-premise) software is free. That free version of the software must be downloaded to a single machine, which means it is not accessible from any device anywhere via the cloud, and it won’t even fetch you standard accounting software features such as bank connections (for easy and automated transaction reconciliation), a chart of accounts or a general ledger. The lowest-tier on-premise plan essentially operates as invoicing software. But with plenty of strong free invoicing software products on the market — all of the options that make our list are cloud-based — you can skip right over Akaunting.

$0-$684 per year for an on-premise plan.

$12-$218 per month for a cloud plan.

• How we determined the best accounting software

NerdWallet independently reviews accounting software products before determining our top picks. We collect the data for our software ratings from products’ public-facing websites and from company representatives. Information is gathered on a regular basis and reviewed by our editorial team for consistency and accuracy.

NerdWallet’s accounting software ratings favor products that are easy to use, reasonably priced, have a robust feature set and can grow with your business. The best accounting software received top marks when evaluated across 10 categories and more than 30 subcategories. Learn more about how we rate small-business accounting software .

These ratings are meant to provide clarity in the decision-making process, but what’s best for your business will depend on its size, growth trajectory and which features you need most. We encourage you to research and compare multiple accounting software products before choosing one.NerdWallet does not receive compensation for any reviews. Read our editorial guidelines .

• How to choose accounting software

Ideally, your accounting software will make your day-to-day routine easier through automation. Here are some key factors to consider when researching and choosing the best accounting software for your small business.

Accessibility: Cloud-based software enables access through any device with an internet connection. This generally allows for easier collaboration with accountants and seamless integration with other business software. Desktop-based software, however, can only be accessed from a single computer.

Scalability: Take a look at products’ plan offerings, including how many employees and users the software can support, to make sure you can upgrade to a more robust version of the software as your business grows. If you anticipate rapid or high growth, consider accounting software for medium-sized businesses . 

Y our budget: Determine how much your business can afford to spend monthly on accounting software in conjunction with other recurring costs, like utilities, rent and additional software subscriptions for a POS system or payroll, for example. If you’re a solopreneur and want to keep costs down, check out our list of best accounting software for freelancers and the self-employed .

Ease of use: Accounting software that isn’t intuitive and user-friendly can take up an unnecessary amount of your time or discourage you from using it as often as you should to keep your finances in order. Test out free trials of accounting software, request a demo and watch tutorial videos to get a feel for navigating the software. 

Integrations: Think about the other types of software you already use or plan to use, and check to see if direct integrations are available between those products and the accounting software you’re considering. If not, you may need to pay for an indirect integration or manually transfer data from one product to another. 

Customer support: Think about what time of the day you’re most likely to reach out for assistance and how you’d like to communicate with customer service representatives. Free accounting software options typically offer less robust customer support solutions than paid products do. 

Sharing with your accountant: If you’re working with an outside accountant, take note of how easy (or not) a product makes it for you to share your financial details and reports with your accountant. Many popular accounting software products allow you to easily share access, but some require upgrades to costlier plans for this access and some products only enable you to export data to be sent to your accountant.

How much does accounting software cost?

If you’d like to shop by industry, check out NerdWallet’s picks for:

Best church accounting software .

Best construction accounting software .

Best consultant accounting software.

Best e-commerce accounting software .

Best farm accounting software .

Best hotel accounting software .

Best law firm accounting software .

Best manufacturing accounting software .

Best nonprofit accounting software .

Best property management accounting software .

Best accounting software for Amazon sellers .

Best accounting software for restaurants .

Best accounting software for retailers .

Best accounting software for SaaS businesses .

Best trucking accounting software .

• Compare NerdWallet’s top accounting software picks by features

To help determine which accounting software is best for your business, start by comparing each product’s maximum user limit, invoicing capabilities, time-tracking tools, inventory tracking features and phone support availability.

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Economics and accounting personal statement example.

Accounting to me is not just a subject, but a life skill. It invokes not only the core disciplines of business and economics but it provides these in both a local and global context.

I see Accounting as an international common language between businesses, to analyse accounts and influence future decisions companies will make.

The application of business within the accounting degree has been one of the major pulling factors that have influenced my decision to study the subject.

After studying GCSE business and discovering the accounting and finance aspect of it, I have become fascinated to learn more, going on to extend my knowledge of the subject by reading outside of the school environment.

As an avid reader of the Accounting blog on the tutor2u website, I have gained a good grounding in the fundamental application of accounting, especially in the way websites such as ‘facebook’s’ growth is driven by their own growth through advertising, and the fact that their books and accounts continue to stay cash flow positive, despite their impressive rate of expansion.

I am particularly interested in the law aspect of the course and how decisions made can influence an individuals’ desire to defraud their accounts to avoid taxation, and the often extensive amount of time it takes to bring these people to justice.

Although initially studying psychology may not seem to have a direct influence on accounting, I feel the knowledge I have learnt about the interaction of people’s behaviour in social situations will help me greatly. This would especially be within the aspects of the course that involve management methods and organisational behaviour.

By studying Economics at A level I have found that it has had a profound effect on accounting.

The understanding I have acquired of the financial world as a whole has provided me with a strong awareness of international sections of the course. The barrier for trade inside and outside of the EU and how this affects profit margins, with relevance to extra costs on balance sheets is one example.

This awareness will help equip me to have a better understanding of real world accounting situations, where I hope to find my self in the future.

Last summer I was accepted on a two week work experience placement at the Bank of England to do shadowing and accounting of my own, however due to circumstances beyond my own control, it fell through, much to my disappointment. Nevertheless I have tried to keep in touch with current Accounting developments through the newspapers and internet.

I am currently completing my silver Duke of Edinburgh award scheme and I am planning an eight day trip, alongside “World Challenge Organisation”, to Norway next summer for my Gold expedition. The trip will be funded entirely through the money my team raise. I feel these experiences have helped me develop valuable life skills such as the desire to achieve, self-confidence and discipline.

I believe that these skills I have learnt will provide the perfect platform for a degree in accounting and aid me on into the workplace. I also play hockey for the North of England and have captained both Yorkshire and South Yorkshire sides as well as my School and Club teams.

Hockey is a major part of my extracurricular life, giving me teamwork and leadership skills and I feel I could contribute greatly to a wide range of university activities.

I look forward to studying accounting at degree level. This will allow my interest in the subject to flourish. I hope to immerse myself fully in the experience and challenges the university will provide.

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This personal statement was written by ash4932 for application in 2011.

ash4932's Comments

I believe that this a one of the best personal statements around i hope to use this to help others. I received 5/5 offers last year with this but unfortunatly missed out on my grades by 4 marks i have applied again this year and within a week i had 4 conditional offers. Hope this helps!

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Universities.

Sun, 10/07/2011 - 20:20

to which universities have you applied for? Is Oxford, Cambridge and LSE one of them?

P.S.: It is really nice one

It is a very strong and

Fri, 19/07/2013 - 16:51

It is a very strong and smooth personal statement, what I wanted to know was how my offers did you receive once to sent out the personal statement to your chosen universities?

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