Plus & Minus

Plus & Minus manages finances, inventory, sales, and reporting in a single-file ERP system.

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  • Overview
  • Features
  • Pricing
  • Pros
  • Cons
  • Reviews

Plus & Minus Overview

  • Updated December 30, 2025

Plus & Minus is a robust, single-file ERP accounting software designed for small to medium-sized businesses. It streamlines financial management, inventory, sales, and reporting with real-time data and double-entry accounting. Its module-free design eliminates data silos, offering seamless integration, customizable reports, and efficient workflows.

Trusted since 1982, it supports multi-company consolidation, inventory tracking, and automated processes, enhancing decision-making and operational efficiency without subscriptions or complex integrations.

Key Features

  • Single-File System: All accounting functions operate within one file, eliminating data silos and simplifying data management without module-based complexity.
  • Real-Time Data Processing: Provides instant access to financial data, enabling quick decision-making with up-to-date insights across all operations.
  • General Ledger: Manages financial records with detailed transaction tracking, customizable charts of accounts, and accurate reporting for comprehensive oversight.
  • Accounts Receivable: Tracks sales and incoming payments, offering insights into invoices and customer payment statuses to optimize cash flow.
  • Accounts Payable: Monitors vendor payments and invoices, ensuring timely payments and efficient management of outgoing expenditures.
  • Inventory Management: Follows Gordon Graham’s principles, tracking items from receipt to issuance with real-time visibility for supply chain efficiency.
  • Payroll Management: Handles payroll processing tasks, including employee payments and compliance with labor regulations, streamlining HR operations.
  • Cash Management: Forecasts cash receipts and disbursements, providing insights to plan expenses and optimize financial reserves.
  • Comprehensive Reporting: Offers over 1,000 customizable report options, including journals, trial balances, and financial statements for strategic analysis.
  • Document Writers: Streamlines creation of sales, purchase, and work-in-process documents, supporting quotes, orders, invoices, and inventory transfers.
  • Job Costing: Compares actual expenditures against budgets by sub-account, enabling precise project cost tracking and management.
  • Fixed Asset Management: Tracks assets, calculates depreciation, and manages disposals, ensuring accurate financial statement alignment.
  • Foreign Currency Translation: Converts transactions between companies using translation factors, supporting multi-currency operations.
  • Fraud Detection (Sampler): Analyzes transactions to detect fraud and test company procedures, enhancing financial security.
  • Multi-Company Consolidation: Manages finances across multiple companies, consolidating data into a single ledger for unified reporting.
  • Customizable Dashboards: Provides real-time overviews of key business metrics, configurable to user needs for simplified analysis.
  • Data Import/Export: Supports seamless import and export of transactions and documents, integrating with tools like Microsoft Excel.
  • Email Integration: Enables sending reports and documents directly from the system to customers, vendors, and employees.
  • Multi-User Access: Allows multiple users to access the system simultaneously, with read-only options for restricted data viewing.
  • GST Compliance: Ensures adherence to tax regulations, automating VAT declarations and tax-related reporting processes.
  • Mobile Access: Supports use on mobile devices like iPads, providing flexibility for on-the-go financial management.
  • Data Security: Includes backup, restore, and audit trail features to protect financial data and ensure compliance.
  • API Availability: Offers API access for custom integrations, enhancing connectivity with third-party applications like Salesforce and ADP.

Price

Cost Component Pricing Details
One-time Setup Fee $1,000 per user (one-time payment to purchase the software)
Subscription (Optional) If you want cloud or hosted deployment, pricing is tiered: up to 10 users = $1,000/month; each additional 10 users = another $1,000/month
Deployment Models Offers flexibility: on-premise or cloud-hosted options are available

Official Pricing details: https://plusandminus.com/pricing/

Pros

Competitor Pros of Plus & Minus
NetSuite Plus & Minus scores very high on ease of use, customer service, and value for money. It’s simple and straightforward and users can get started fast without being overwhelmed.
Sage Intacct Plus & Minus wins on user satisfaction and support. Its one-time licensing model and legendary reliability give businesses control and peace of mind in a way that cloud-only, subscription-based tools do not.
QuickBooks Online Plus & Minus offers deeper, real-time ERP features that go beyond basic bookkeeping. It’s more robust for industries such as manufacturing, construction, and distribution.
QuickBooks Desktop Pro/Enterprise Plus & Minus matches or exceeds these products in deployment flexibility—cloud or desktop on Windows, Mac, Linux, even mobile—and offers modern interface along with built-in tools for data import or conversion.
Acumatica Cloud ERP Plus & Minus combines mature technology with decades of experience. It handles financials, inventory, and operations with a rock-solid reputation and doesn’t lock businesses into a recurring subscription.

Cons

Competitor Cons of Plus & Minus
NetSuite NetSuite offers end-to-end cloud ERP including ecommerce, warehouse, CRM, and planning. Plus & Minus focuses more on core accounting and may lack those extended modules.
Sage Intacct Sage Intacct has strong financial automation, advanced dashboards, and modern cloud integrations. Plus & Minus may not offer as many out-of-the-box analytics or plug-ins.
QuickBooks Online QuickBooks Online is very affordable and easy to adopt for small business. Plus & Minus has a higher upfront cost and steeper learning curve for simpler businesses.
QuickBooks Desktop Pro/Enterprise QuickBooks Desktop is widely known and supported by accountants. Plus & Minus may feel less familiar to teams used to Intuit’s workflows and ecosystem.
Acumatica Cloud ERP Acumatica is fully cloud-native and flexible with modules like CRM or project accounting. Plus & Minus may require more setup or customization to match those capabilities.

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