The best HOA accounting software depends on how your homeowners pay
If homeowners should pay online and you want messaging, violations and a website in one place, an all-in-one HOA platform is the better fit. If they pay by check, Zelle or transfer and what you need is the books done properly, a focused accounting tool costs far less. If you have a few homes and annual dues, a careful spreadsheet may be all you need.
From each product’s own pricing page, checked September 28, 2026. Scroll down for the detail and the sources.
HOA accounting options compared, from each product’s pricing page, checked September 28, 2026
What you need
Our productKeepHOA
PayHOA
MoneyMinder
QuickBooks Online
Spreadsheet
Built for
Self-managed HOAs
Self-managed associations and management companies
Volunteer-led organizations, including HOAs
General accounting, not built around HOAs
Anything
Operating and reserve funds
YesBuilt in
n/aNot stated on its pricing page
n/aNot stated on its pricing page
PartlyClass tracking, from the Plus plan
PartlyBy hand
Per-home balances across years
YesBuilt in
n/aNot stated on its pricing page
n/aNot stated on its pricing page
PartlySet up and kept up by hand
PartlyBy hand
Bank reconciliation
YesBank file import
YesWith bank syncing
YesReconciliation wizard
n/aNot stated on its pricing page
PartlyBy hand
Bank connections
NoImports the bank’s CSV, OFX or QFX
YesBank syncing
YesIncluding PayPal, Square and Stripe
n/aNot stated on its pricing page
No
Board reports
YesOne-click board packet
Yes50+ report types, report packets
YesTreasurer’s report, one-click reports
n/aNot stated on its pricing page
PartlyBy hand
Homeowners pay online in the product
NoYour link or QR code on statements
YesFees: $2.45 ACH, 3.5% + $0.50 card
YesOnline store (powered by Cheddar Up)
n/aNot stated on its pricing page
No
Messaging, violations, website
PartlyOwner pages, notices and violations; no website
Yes
n/aNot stated on its pricing page
n/aNot stated on its pricing page
No
Users
YesUnlimited board members
n/aNot stated on its pricing page
YesMultiple users at no extra cost
Partly1 user to 25 users, by plan
n/aNot stated on its pricing page
Free trial
Yes30 days, no credit card
Yes30 days, no credit card
Yes30 days, no credit card
Promo: 50% off for the first 3 months
Free
Price model
Yearly
Monthly, by units
Yearly
Monthly, by plan
Free
A year, 24 homes
$149
$588
$299
$1,680 (Plus)
$0, plus your time
Yes
Partly, or by hand
No
n/aIts pricing page doesn’t say; check with them
Swipe sideways: KeepHOA stays beside each product →
What a year costs, at published prices
For a 24-home HOA, before any payment-processing fees. Prices from each product’s own pricing page, checked September 28, 2026; they do different things, so compare what you’d actually use.
KeepHOA$149 a year, founding price; $199 a year after the first 100 associations
$149
PayHOAup to 25 units, billed annually, $49/month
$588
MoneyMinder$299 per year
$299
QuickBooks Online Plusthe first plan with class tracking, $140/month regular price
$1,680
The detail
The options, one by one
Who each one is best for, what it costs and what to watch out for, with a link to the page every fact came from.
K
KeepHOA: accounting done properly, one yearly price
Best for: self-managed HOAs of roughly 10 to 150 homes whose owners pay by check, Zelle or transfer, and who want real fund accounting and board reports for one yearly price.
Our product
Price
$149 a year
Per association, for the whole board. 30-day free trial, no credit card. $149 a year, locked for as long as you stay. First 100 associations, then $199 a year.
budget vs actual, aging, reserve summary and a one-click board packet;
statements with your own payment link and QR code;
a private page for every home, violations tracking and routines for the monthly chores;
The books are a file in your HOA’s Google Drive, shared with the board like any other file, and the books don’t pass through our servers.
Watch out for
no online payments inside the product;
no live bank feeds (you import the bank’s download);
no community website or homeowner accounts.
P
PayHOA: an all-in-one platform with online payments
Best for: associations that want homeowners paying online and communication in the same product. Its pricing page describes it as for self-managed associations and property management companies.
Price checked September 28, 2026
Priced by number of units. For example:
PayHOA published prices by units
Units
Billed monthly
Billed annually (per month)
0-25
$54/mo
$49/mo
26-50
$65/mo
$59/mo
51-100
$109/mo
$99/mo
101-150
$142/mo
$129/mo
Its page lists online payment fees of $2.45 per ACH payment and 3.5% + $0.50 per card payment, and a 30-day free trial, no credit card required.
it’s a monthly subscription that grows with the number of units, so compare the yearly cost with what you’d use. For a 25-unit HOA on the annual plan, the listed price comes to $588 a year, before payment fees.
M
MoneyMinder: for volunteer-run groups of all kinds
Best for: treasurers who want bank connections, online collections and mobile apps, and don’t need software built only for HOAs. Its pricing page describes it as for volunteer-led organizations, including HOAs, PTOs, booster clubs, churches and nonprofits.
Price checked September 28, 2026
$299 per year
One plan, $299 per year, with a 30-day trial, no credit card required.
bank integration and import, including PayPal, Square and Stripe
a reconciliation wizard
budgets, a treasurer’s report and one-click financial reports
an online store for collecting payments (powered by Cheddar Up)
multiple users at no extra cost
iOS and Android apps
Watch out for
it’s built for many kinds of volunteer groups rather than for associations, so check how it handles dues billed to each home and balances that carry across years (its pricing page doesn’t say).
It’s a yearly subscription at the listed price of $299 a year.
A spreadsheet: fine for the smallest HOAs
Best for: a handful of homes, annual dues, few expenses, no reserve account, and a treasurer who likes spreadsheets.
Price
Free
Free, plus the treasurer’s time.
Watch out for
balances per home over several periods, keeping the reserve separate, and reconciling to the bank are all manual, and the handoff is a folder of files.
Class and location tracking (the usual way to keep an HOA’s operating and reserve funds apart in general software) is listed from the Plus plan up.
Your accountant may already work in it.
Watch out for
it isn’t built around HOAs, so funds and per-home assessment balances have to be set up and kept up by hand;
each person who needs to work in the books uses one of the plan’s user seats.
B
Buildium and other management-company software
Best for: HOAs run by a professional manager. Buildium’s pricing page describes it as for property managers, including community association managers.
Price checked September 28, 2026
$62 /month and up
Plans start at $62/month, with pricing for community associations by phone (877-396-7876), and online payments carry fees (for example $2.35 per incoming EFT on the Essential plan).
If a manager runs your HOA, they choose the software, so you don’t need to buy accounting software yourself.
How we compared
For a self-managed HOA, accounting software has to do a few specific things well. We looked at each option, including our own self-managed HOA software, against the same list:
Funds
Operating and reserve kept apart, with transfers between them.
Per-home balances
What each home owes, carried across years.
Bank reconciliation
Proving the books match the bank each month.
Board reports
Budget vs actual, aging, a packet for the meeting.
How homeowners pay
Online in the product, or by check, Zelle and transfer recorded by the treasurer.
Price model
Monthly or yearly, and whether it grows with your size.
Where the books live and the handoff
What the next treasurer inherits.
Only their own words
We’ve only stated facts about other products that appear on their own websites, dated when we checked, and we say where another option is the better choice.
What is the best accounting software for a self-managed HOA?
It depends on how your homeowners pay. If you want them paying online, with messaging and violations in the same place, an all-in-one HOA platform fits better. If they pay by check, Zelle or transfer and what you need is the books done properly (funds, per-home balances, reconciliation and board reports), KeepHOA does that for $149 a year.
Is a spreadsheet good enough for HOA accounting?
For a very small HOA with annual dues and few expenses, often yes. Once you track balances per home over several periods, keep a reserve fund or need to reconcile the bank every month, a spreadsheet starts costing more time than it saves.
Can we use general small-business accounting software?
You can, especially if your accountant already works in it. You’ll need to set up fund tracking and per-home receivables yourself, and each person who works in the books uses one of the plan’s user seats.
Is KeepHOA biased in this comparison?
KeepHOA is our product, so read this with that in mind. We’ve only stated facts about other products that appear on their own websites, dated when we checked, and we say where another option is the better choice.
How do the yearly prices compare?
As an example: PayHOA’s published price for up to 25 units is $49 a month billed annually (checked September 28, 2026), which is $588 a year before any payment fees. KeepHOA is $149 a year. They do different things (PayHOA includes online payments and communication), so compare what you’d actually use.
