Free accounting. No catch.
Every feature, unlimited users, and unlimited organisations — at no cost. Hosted by Anchor for South African SMEs.
Anchor
Full double-entry accounting with no seat fees, no organisation caps, and no feature gates. No credit card required.
- Unlimited team members
- Unlimited organisations
- Unlimited invoices, bills & journal entries
- Full reports including VAT
- Bank reconciliation & multi-currency
- API access and MCP tools
No credit card · Offered by Anchor
What you get
Everything unlocked. Nothing gated.
Unlimited users
Invite your whole team at no extra cost. No seat fees.
Unlimited organisations
Run books for as many businesses as you need under one account.
Full accounting suite
Double-entry ledger, invoicing, bills, banking, and VAT reports.
All reports included
Trial balance, P&L, balance sheet, cash flow, aged AR/AP, and more.
Small business accounting software, South Africa
What the free core includes
This table only lists what this product already offers on the hosted site. It is not a comparison of other vendors' prices.
| Topic | Anchor hosted (this site) |
|---|---|
| Price | R0 forever. No paid plan. |
| Users | Unlimited. No seat fees. |
| Organisations | Unlimited under one account. |
| Card to start | Not required. |
| VAT | ZA VAT report for filing prep. You still file on SARS eFiling. |
| Ledger and reports | Double-entry, trial balance, P&L, balance sheet, cash flow, aged AR/AP. |
| Payroll | Not offered for South Africa. Use a dedicated PAYE provider. |
Comparing Sage, Xero, Zoho, Wave, or invoice apps? Free accounting software in South Africa.
Included features
Built for day-to-day SA books
Double-entry bookkeeping
Balanced journals, general ledger, and trial balance.
Financial & VAT reports
Management accounts and ZA VAT report ready for filing.
Bank reconciliation
Import statements, match transactions, multi-account support.
Invoicing & purchases
Quotes, invoices, credit notes, bills, and purchase orders.
Contacts & multi-currency
Customers, suppliers, and foreign-currency transactions.
API & MCP
REST API, webhooks, and MCP tools for AI-assisted workflows.
FAQ
Common questions
Is Anchor really free?
Yes. There is no paid plan. All product features are available at no charge for South African small businesses.
Are there limits on users or organisations?
No. You can invite unlimited team members and create as many organisations as you need.
Will you charge later?
Anchor is offered free by Anchor as a hosted service for SA SMEs. There is no Pro tier or seat pricing on this product.
Do I need a credit card?
No. Sign up and start using the product without payment details.
What does free cover?
The full hosted product for South African small businesses: double-entry ledger, invoicing, bills, bank reconciliation, VAT reports, unlimited users and organisations, API, and MCP. There is no Pro tier. Payroll is not offered for South Africa.
How is this different from paid accounting packages?
Paid packages often charge per user or per organisation, or gate reports. Anchor states R0 forever on this site, with no seat fees, no organisation caps, and no feature gates on the hosted core. That is a product claim, not a review of other vendors.
Who operates Anchor?
Anchor — free hosted accounting for South African small businesses.
How do I get help?
Email info@anchorapp.co.za or call 084-288-9240.
Start managing your books today
Free for South African SMEs. Unlimited users and organisations. No credit card. No self-hosting required — we host Anchor for you.
Offered by Anchor