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Comment by runako | Hacker News Reader

Mercury bank handles invoicing quite well. If you're manually preparing invoices (as I assume OP is given the need to include hours), invoicing is free. Obviously payments are included (cards via Stripe).

They have recently expanded into bookkeeping, but I haven't used that. If you're just using the bank account & manual invoices, it's free.

Used Bonsai happily for years before that. I see they have been bought by Zoom, so I would expect some changes.

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I started with mercury recently and absolutely love it. The Books stuff seems to be OK, which is a huuuuge improvement over QuickBooks Online which is now an unwieldy pile of crap that nobody should use.

As of Jan 1 Mercury says they will start charging $30/month, which is cheaper than other alternatives I've found. My vibecoded Beancount-based system probably cost me more in time than using a year of Mercury Books.

Damn, I've been trying to get another job for pretty much this entire year to work up to the $240/yr, now it's going to be $360/yr? That sucks. I mean, I'd pay a lot more for Mercury, but it sucks that I probably won't get to take advantage of the $240 for my first year.

The $240/yr is for the personal bank account, I think? Business bank accounts are different, and at least I'm getting it for free.

Books is the new accounting offering, and is an additional $30/month.

I've been looking at Mercury Personal, yeah.

If you do have a business with an account at Mercury, you get a free personal account with it. I haven't used that yet, just the business account.

Also have not used the free personal account. Planning on checking it out after their banking charter goes live.

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