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BlueCollarStacks

Best General Contractor Accounting Software

QuickBooks Online Plus is still the ledger most small GCs should run. Pair it with Knowify or Contractor Foreman for the progress billing and job costing QuickBooks doesn't do well.

By BlueCollarStacks EditorialUpdated

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The short answer

Our pick

QuickBooks Online Plus, paired with a construction job tool, is the right accounting setup for most small general contractors.

Plus is the first QuickBooks tier with project profitability, and almost every construction tool syncs to it. Add Knowify if you bill commercial pay applications, or Contractor Foreman if you want estimating and job costing in the same system.

QuickBooks Online logo

QuickBooks Online

Most trade businesses

From $38/mo billed monthly

30-day free trial ยท checked Oct 18, 2026

Construction accounting breaks generic bookkeeping in three places: job costing by cost code, progress billing with retainage, and the gap between what you've billed and what you've earned. Most small GCs don't need a $20,000 construction ERP to handle that. They need a ledger their CPA already knows, plus a job tool that feeds it clean numbers. This page covers both halves for 1 to 25 person contractors, as part of our guide to software for construction management. Prices are as of October 2026.

Wood-framed two-story homes under construction with OSB sheathing and a dumpster out front
Photo: D Goug / Pexels

Our picks at a glance

Ranked by fit for this buyer. Prices from vendor pricing pages, checked Oct 18, 2026.

  1. QuickBooks Online logo

    1.QuickBooks OnlineTop pick

    Best ledger for most GCs

    From $38/mo

    billed monthly

    4.5out of 5
  2. Knowify logo

    2.Knowify

    Best for AIA progress billing

    From $99/mo

    billed annually

    3.9out of 5
  3. Contractor Foreman logo

    3.Contractor Foreman

    Best all-in-one value

    From $49/mo

    billed annually

    4.1out of 5
  4. Buildertrend logo

    4.Buildertrend

    Best for builders' budgets

    From $499/mo

    billed monthly

    4.0out of 5
  5. Joist logo

    5.Joist

    Best for solo invoicing

    From $8.34/mo

    billed annually

    3.8out of 5
  6. CompanyCam logo

    6.CompanyCam

    Best for draw documentation

    From $63/mo

    billed annually

    4.1out of 5

Our picks, in detail

QuickBooks Online logo

Our pickBest ledger for most GCs

QuickBooks Online

The books your accountant already knows

4.5out of 5

QuickBooks Online is the default for a reason: your CPA knows it, your bank feeds connect to it, and Buildertrend, Contractor Foreman, Knowify and Joist all sync to it. For a GC, the plan that matters is Plus at $140/mo for 5 users, as of October 2026, because that's where project profitability and inventory start. Simple Start ($38/mo, 1 user) and Essentials ($85/mo, 3 users) don't give you useful job costing. Advanced is $340/mo for up to 25 users. Plus can create progress invoices from an estimate, but there's no built-in retainage workflow or AIA G702/G703 form, so bookkeepers usually set up a retainage account and item by hand. Owners commonly complain about repeated price increases.

What we like

  • Every construction tool here syncs to it
  • Progress invoicing from estimates on Plus
  • Most US bookkeepers and CPAs know it

Watch out for

  • Job costing needs Plus at $140/mo or higher
  • No native retainage or AIA forms
  • Frequent price increases, per users
Knowify logo

Best for AIA progress billing

Knowify

Job costing and AIA billing for commercial subs

3.9out of 5

Knowify sits on top of QuickBooks and handles the construction parts QuickBooks fumbles. Contracts drive AIA-style progress billing, labor and materials post to each job, and invoices and costs sync back to the ledger. For a GC or sub sending monthly pay applications to commercial owners, that replaces a spreadsheet that usually lives on one person's laptop. As of October 2026, Core shows $149/mo or $99/mo with yearly billing for one user, Advanced shows $399 or $329 for 10 users, and added users are $29/mo. Knowify doesn't label which figure is yearly on its page, so confirm the term. Users commonly report a learning curve to set job costing up correctly.

What we like

  • Progress billing built around the contract
  • Job costing that feeds QuickBooks
  • Onboarding sessions included

Watch out for

  • Expensive jump from Core to Advanced
  • Setup takes care to get the costing right
Contractor Foreman logo

Best all-in-one value

Contractor Foreman

A lot of construction software for not much money

4.1out of 5

Contractor Foreman isn't an accounting system, but it does the job-level money work for a small GC: estimates by cost code, change orders, timecards, bills, job costing, invoices and online payments, with QuickBooks sync. For a five-person shop that's $166/mo on Plus (up to 8 users) billed annually, or $221/mo on Pro for up to 15, as of October 2026. Payment fees are published: 2.9% + 30 cents on Visa, Mastercard and Discover, 3.9% + 30 cents on Amex, and 1% + 30 cents on ACH capped at $10. On a $48,000 draw paid by ACH, that cap keeps the fee at $10. The interface is busy, and setup takes real time.

What we like

  • Job costing and invoicing for $49 to $332/mo
  • ACH fee capped at $10 per payment
  • QuickBooks sync for the ledger side

Watch out for

  • Not a general ledger
  • Busy interface with a learning curve
Buildertrend logo

Best for builders' budgets

Buildertrend

Full project management for builders and remodelers

4.0out of 5

Buildertrend handles the project side of a custom builder's books well: budgets by cost code, purchase orders, sub bills, change orders and selections that move the contract value, all syncing to QuickBooks. Lender draws are easier when the budget and progress photos already live on the job. It starts at $499/mo with unlimited users and 10% off for paying annually upfront, as of October 2026, with the onboarding package changing the final quote. That's a lot to spend if what you really need is better bookkeeping. Buy it for project control, and keep a bookkeeper on QuickBooks for the ledger.

What we like

  • Budgets, POs and change orders tied together
  • Unlimited users

Watch out for

  • Starts at $499/mo
  • Not an accounting system
  • Steep learning curve
Joist logo

Best for solo invoicing

Joist

Simple estimates and invoices from your phone

3.8out of 5

For a one-person contractor doing small residential jobs, the accounting need is simple: send a professional invoice, get paid by card, and have it land in QuickBooks. Joist does that from a phone, converting the accepted estimate to an invoice in a couple of taps. It costs $8.34 to $26.67 a month billed annually on Basics through Elite, and the Run plan lists at $100/mo or $58.33/mo annually with an intro discount, as of October 2026. Processing fees apply by payment method, and Joist doesn't list the rates on its pricing page. It doesn't do job costing, retainage or progress billing beyond simple deposits, so it's the wrong tool once you carry subs.

What we like

  • Cheap and quick from a phone
  • Estimate turns into the invoice
  • Syncs with QuickBooks

Watch out for

  • No job costing
  • Processing rates not published on the pricing page
CompanyCam logo

Best for draw documentation

CompanyCam

The photo documentation app crews actually use

4.1out of 5

CompanyCam won't touch your books. It's on this page because draw requests and disputed invoices get paid faster with proof. Lenders and owners' reps commonly want photos showing the work billed this period is actually in place, and CompanyCam files time- and location-stamped photos under each job with shareable reports you can attach to a pay application. It also helps when a client disputes a change order three months later. As of October 2026, Core is $63/mo billed annually for one user, Crew is $119/mo for three, and extra users are $29/mo. Its pricing page showed conflicting Crew and Scale figures, so check the current number.

What we like

  • Dated photo reports for draws and pay apps
  • Settles change-order arguments
  • Easy for field crews

Watch out for

  • No accounting features
  • Per-user cost adds up

What general contractors need from accounting software

A plumber's books are mostly one-day jobs paid on completion. A GC's books are a few big contracts paid in pieces, with money owed to subs who are waiting on you. That changes what the software has to do:

  • Job costing by cost code. Labor, materials and sub costs posted to the right job and the right line, so you can see that framing ran 12% over while the job is still open.
  • Progress billing. Lender draws on residential work, and AIA G702/G703 pay applications on commercial work, with each period billed against the schedule of values.
  • Retainage, both directions. The 5% or 10% the owner holds back from you, and the amount you hold back from subs, tracked until release.
  • Over- and under-billing. Billing ahead of the work makes the bank balance look healthier than the job is. Your CPA and any surety will ask about it.
  • Sub paperwork. 1099s, lien waivers and certificates of insurance before you cut checks.

Few small-business ledgers handle all of that alone, which is why most GCs end up with two systems that sync. If you're comparing options across other trades, see our full guide to accounting software for contractors.

How the picks compare

QuickBooks Online is the ledger. The decision is mostly what sits on top of it. Knowify is the pick if progress billing is your monthly headache, especially on commercial work with pay applications. Contractor Foreman is the pick if you want estimating, change orders, timecards and job costing in one cheaper system and don't bill AIA-style. Buildertrend is a project management tool first, and you should buy it for that reason rather than for accounting.

Xero is a fair alternative to QuickBooks if your bookkeeper prefers it. At $59/mo for Growing or $97/mo for Established with unlimited users, it's cheaper for an office with several people logging in, though fewer construction apps and US accountants work with it. FreshBooks doesn't make our list for GCs: its billable-client caps and light job costing suit freelancers better than contractors.

Joist and CompanyCam are supporting tools. Joist gets a solo contractor invoiced and paid from the truck. CompanyCam gives every draw request and disputed invoice a photo record.

What to look for before you sign

  • Have your bookkeeper sit in on the demo. They'll spot sync problems a sales rep won't mention.
  • Confirm the sync direction and what syncs: invoices, payments, bills, timecards, cost codes as classes or items.
  • Ask how retainage shows on invoices and where it lands in QuickBooks.
  • Run one past job's numbers through the trial and compare the job cost report with what you know it cost.
  • Check payment fees on large draws. Contractor Foreman caps ACH at $10 per payment, which matters on a $60,000 invoice.
  • Watch the QuickBooks tier. Job costing needs Plus at $140/mo, so the $38 Simple Start price isn't your real cost.

What it costs

Published prices as of October 2026. QuickBooks prices are monthly list prices before any promo.

Shop size Ledger Job tool on top Monthly total
1 person QuickBooks Simple Start, $38 Joist Pro, $14.17 (annual) About $52
5 people QuickBooks Plus, $140 (5 users) Contractor Foreman Plus, $166 (annual) About $306
15 people QuickBooks Advanced, $340 (25 users) Knowify Advanced, about $474 with 5 extra users About $814

Swap Knowify for Contractor Foreman Pro ($221/mo annually) on the 15-person line and the total drops to about $561. Swap in Buildertrend and the job tool alone starts at $499. Add payroll, card fees and your bookkeeper's monthly fee on top of every row.

Related guides

Questions owners ask

Is QuickBooks good for construction companies?

QuickBooks Online Plus works well as the ledger for a small GC, and it's what most construction apps sync with. Where it struggles is retainage, AIA pay applications, and job costing by detailed cost code. Most small contractors solve that by running a construction tool like Knowify, Contractor Foreman or Buildertrend for job-level work and syncing it to QuickBooks.

QuickBooks Online or Xero for a contractor?

Xero costs less, at $27, $59 or $97 a month with unlimited users, and its Established plan includes project time and cost tracking. QuickBooks wins on US bookkeeper familiarity and on how many construction apps integrate with it. US payroll on Xero also runs through Gusto at $36/mo plus $6 per person. For most GCs, QuickBooks is the safer default.

Does QuickBooks Online handle retainage?

Not natively. QuickBooks Online Plus can create progress invoices from an estimate, but it doesn't track retainage receivable or payable on its own. Bookkeepers typically set up a retainage item and a separate balance sheet account to hold it until release. Knowify handles AIA-style progress billing on top of QuickBooks if you'd rather not maintain that by hand.

What's the best accounting software for a one-person contractor?

QuickBooks Online Simple Start at $38/mo is enough for a solo contractor who doesn't need job costing, and Joist on top handles estimates, invoices and card payments from the phone. Move to QuickBooks Plus when you start hiring subs and need to know which jobs are making money.

Do I still need a bookkeeper if I buy construction software?

Yes, for most GCs. The software captures job costs and invoices, but someone has to reconcile accounts, handle 1099s for subs, track lien waivers and certificates of insurance, and close each month. A bookkeeper who knows construction will also catch over- and under-billing before your CPA sees it at year end.