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Accounting

Compare six current Philippine accounting supplier families through named ledger plans, local tax boundaries and separately evidenced AI rights. Retired standalone Fast File is archived; integrated JuanTax is assessed within the current Juan Accounting plans.

6 suppliers · 12 plan assessments · 6 product evidence

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No final score yet

The lower bound counts documented points; the upper bound includes the maximum remaining points if unknown capabilities are confirmed. This is not a final ranking.

What to check before choosing

Compare current general-ledger plans with receivables, payables and controls. Standalone Fast File was retired in March2026; its historical tax-only features must not be presented as current Juan Accounting plan entitlements.

Compare real entitlements: Xero Standard versus Premium; QuickBooks Simple Start versus Essentials; QNE Essential versus Professional; SIMSO Basic versus Pro; Quenta MSME Starter versus Growth; Juan Essentials versus quoted Growth. Verify seat, entity, branch, document and AI limits separately.

Separate current recurring fees from promotions and future increases. Xero USD price changes take effect on 1 November 2026; QNE annual monthly equivalents require annual commitment; Quenta introductory prices expire. QuickBooks PH-linked regular USD bases are documented; converted/promotional prices and customer taxes remain separate.

Run a sample month through opening balances, uncleared bank transactions, sales and supplier bills, VAT/withholding, corrections, asset depreciation, close/locks and accountant export. Branch support does not establish consolidated multi-company accounting.

Test AI with actual Philippine documents and require evidence of extraction quota, account coding, output language and review controls. JAX output review language alone does not establish a pre-posting approval gate; Juan agent rules need explicit configuration.

A vendor BIR-ready claim does not establish taxpayer authorisation. BIR RMC 98-2026 distinguishes a CAS PTU/Acknowledgement Certificate from a Permit to Issue electronic invoices, and separates electronic invoicing from electronic sales reporting. Confirm the applicable workflow and current authority with the accountant.

Requirements in Philippines

Confirm the taxpayer classification, VAT or non-VAT treatment, withholding forms and invoice format for the actual Philippine entity. Creating a tax form is different from submission, payment and receipt of BIR confirmation.

CAS registration, electronic invoice permission and sales-reporting obligations are separate checks. RMC 98-2026 is cited for that distinction; it does not establish that every business has the same deadline or that any assessed vendor is universally certified.

Ask for a named bank or wallet integration and demonstrate matching and reconciliation. CSV statement import, GCash/Maya payment records and live bank feeds are different capabilities.

Confirm PHP or USD billing, VAT, annual commitment, adviser seats, branch fees, migration services, support hours and cancellation/export access in writing. Unknown local evidence is retained as unknown.

No assessed package has a published final score in this private research release. Documentation coverage is reported separately and does not certify accounting accuracy, statutory eligibility or hands-on quality.

Ordered by documented points, then evidence coverage. Unknowns remain in the interval; this is not a final quality ranking.

QNE / N3

Philippine accounting cloud with finance automation and Quinny AI; regulatory marketing claims require validation against the customer’s registered setup.

Treating a vendor compliance headline as proof of approved BIR registration for every account.

Product evidence: Product evidence

Provisional score range74.5–77.5/ 100

Weighted evidence coverage: 97%

No final score yet

Documented eligibility

3 Research detailsExplore the dossier →

JuanTax / Juan Accounting

Philippine Juan Accounting combines books, document drafts and integrated JuanTax filing. Essentials supplies accounting/API access; custom Growth handles CAS arrangements. Standalone Fast File was retired in March 2026 and replaced by integrated JuanTax; it is not a currently available accounting plan.

Comparing standalone Fast File as a complete ledger or assuming Essentials includes Growth CAS registration.

Product evidence: Product evidence

Provisional score range70.5–75.5/ 100

Weighted evidence coverage: 95%

No final score yet

Documented eligibility

3 Research detailsExplore the dossier →

Xero

Cloud accounting offered in Philippines, with explicit differences between Starter limits, Standard usage and Premium multi-currency.

Do not assume native payroll, authority filing or every bank connection is included.

Product evidence: Product evidence

Provisional score range62.5–83.5/ 100

Weighted evidence coverage: 79%

No final score yet

Documented eligibility

3 Research detailsExplore the dossier →

QuickBooks Online

Country-specific QuickBooks offering with Simple Start and Essentials; live amounts did not load and are deliberately withheld.

Do not assume US payroll, US banking features or statutory approval applies locally.

Product evidence: Product evidence

Provisional score range53–76/ 100

Weighted evidence coverage: 77%

No final score yet

Documented eligibility

3 Research detailsExplore the dossier →

Quenta

Philippine accounting with document extraction and review before posting. MSME Starter handles core books; Growth adds banking, approvals and stock. Tax packets still require accountant confirmation before filing.

Businesses requiring proven production POS entitlement without an early-access trial.

Product evidence: Product evidence

Provisional score range44.5–82.5/ 100

Weighted evidence coverage: 62%

No final score yet

Documented eligibility

3 Research detailsExplore the dossier →

SIMSO

Philippine cloud ERP with published Basic and Pro amounts, standard operating modules and separately gated AI and marketplace features.

Expecting advanced AI or Shopee/Lazada connections in Basic.

Product evidence: Product evidence

Provisional score range44.5–82.5/ 100

Weighted evidence coverage: 62%

No final score yet

Documented eligibility

3 Research detailsExplore the dossier →

Capabilities and conditions

Assessment criterion	Weight
General ledger	4% · Core capabilities
Period close and locks	4% · Core capabilities
Bank reconciliation	4% · Core capabilities
Chart of accounts	4% · Core capabilities
Tax reporting and filing	4% · Core capabilities
Fixed assets	4% · Core capabilities
Projects and cost centres	3% · Core capabilities
Financial statements	3% · Core capabilities
Budgets and variances	3% · Core capabilities
Multiple entities	3% · Core capabilities
Audit history	3% · Core capabilities
Cash-flow forecasting	2% · Core capabilities
Receivables and payables	2% · Core capabilities
Multiple currencies	2% · Core capabilities
API entitlement	4% · Integrations
Accounting export	4% · Integrations
Opening balance migration	3% · Integrations
Bank feeds and supported institutions	3% · Integrations
Accountant collaboration	3% · Integrations
Sales and stock integrations	3% · Integrations
BIR invoice fields and authorised workflow	4% · Local suitability
BIR returns versus actual filing	4% · Local suitability
Books, CAS registration and retained records	3% · Local suitability
Philippine entity and business model	3% · Local suitability
Local accountant and support arrangements	3% · Local suitability
PHP or USD fees, VAT and contract terms	3% · Local suitability
Document extraction and quota	4% · AI
Coding and matching suggestions	4% · AI
Assistant over accounting data	4% · AI
Review before posting	3% · AI

These assessments use dated supplier documentation, not hands-on testing. Local applicability and plan entitlements are evaluated separately.