Finance & Banking Software
Found
Business banking built specifically for self-employed people and sole proprietors, with built-in real-time tax estimates.
Solo / FreelancerNorth America
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for solo freelancers and single-member LLCs who want tax estimation and bookkeeping baked directly into their bank account — overkill (and too solo-focused) for businesses with employees or multiple owners.
Choose this if...
- Freelancers and sole proprietors who currently guess at quarterly tax payments
- Solo business owners who want invoicing, contractor 1099s, and banking in one app
Look elsewhere if...
- You have business partners or W-2 employees — Found is built around single-owner businesses
- Your business isn't US-incorporated or you're not a US taxpayer
Visit Found
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Pricing
Verified Jul 17, 2026 against Found's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Found | Free | Free | Business checking with debit card, up to 10 sub-accounts ("Pockets"), expense categorization and receipt scanning, real-time tax estimates, contractor payments + 1099 e-filing, unlimited free invoicing, 1 custom rule/tag |
| Found Plus | 35 USD/mo | 26.25 USD/yr | $315/yr billed annually (25% discount); 1.50% APY on balances up to $20,000, import transactions from external accounts, unlimited auto-categorization rules and custom tags, priority phone support, 30-day free trial |
| Found Pro | 80 USD/mo | 60 USD/yr | $720/yr billed annually (25% discount); 2.50% APY on all balances (no cap), 1% cash back on card purchases, dedicated account manager, premium metal debit card, free check sending, discounted $10 wires (vs $15) |
Free tier reality
The free Found plan includes real-time tax-liability estimates and 1099 contractor payments alongside standard checking — a genuinely useful free tier for solo freelancers, not just a stripped trial. Plus ($35/mo, $315/yr annually) and Pro ($80/mo, $720/yr annually) add interest-bearing balances, unlimited categorization automation, and (on Pro) uncapped high-yield APY.
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DEV-MID · rectanglePros
- Real-time tax estimates are a genuine differentiator most business bank accounts don't offer
- Free tier includes contractor payments and 1099 e-filing, not just basic checking
- Purpose-built UX for freelancers rather than a generic small-business account
Cons
- Narrow target market (sole proprietors/single-member LLCs) — doesn't fit multi-owner businesses well
- Higher-yield APY (2.50%, uncapped) requires the $80/mo Pro tier
- As a fintech (not a bank), FDIC coverage runs through a partner bank
Key features
- Real-time estimated quarterly tax calculations
- Automatic expense categorization and receipt capture
- Contractor payments with 1099 e-filing
- Unlimited free invoicing
- Up to 10 budgeting sub-accounts ("Pockets")
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
US-only, aimed specifically at sole proprietors and single-member LLCs. Found is a fintech, not a bank — FDIC insurance is provided through a partner bank.
- North America
Best for
Try free first
Not ready for Found? Start with our free tools — come back when you outgrow them.
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Ramp
Pick this instead if: Smaller teams wanting unlimited cards and expense automation without a per-user fee
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Found FAQ
Questions about this tool
Is Found free?
Yes, there's a free tier. The free Found plan includes real-time tax-liability estimates and 1099 contractor payments alongside standard checking — a genuinely useful free tier for solo freelancers, not just a stripped trial. Plus ($35/mo, $315/yr annually) and Pro ($80/mo, $720/yr annually) add interest-bearing balances, unlimited categorization automation, and (on Pro) uncapped high-yield APY.
How much does Found cost?
Free. We verify pricing directly against Found's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is Found best for?
Freelancers and sole proprietors who currently guess at quarterly tax payments Solo business owners who want invoicing, contractor 1099s, and banking in one app
Who should avoid Found?
You have business partners or W-2 employees — Found is built around single-owner businesses Your business isn't US-incorporated or you're not a US taxpayer
Does Found work well outside the US?
US-only, aimed specifically at sole proprietors and single-member LLCs. Found is a fintech, not a bank — FDIC insurance is provided through a partner bank.
What are the best alternatives to Found?
Worth comparing: Stripe, Mercury, Brex, Ramp. See the Alternatives section above for why you might pick one of these instead.