Why Our Members Switched
Amadae vs Found
Amadae is best for
- Self-employed people whose income has outgrown an app's automatic estimate
- Creators who want S corp strategy, payroll, and filed returns, not just set-asides
- Owners who want banking and real accounting in the same platform
Found is best for
- New freelancers who want business banking with tax awareness for free
- Side incomes where automatic set-asides are enough tax planning
The verdict
Found is a smart on-ramp: open an account, and the app starts categorizing expenses, estimating your taxes, and setting money aside without you thinking about it. For a new freelancer, that beats a personal checking account by a mile. But an app's estimate is not an accountant's work: nobody is closing real books, modeling an S corp election, running payroll, or standing behind a filed return. Amadae includes the banking and then does the accounting: real books, real strategy, real filings by real accountants. Choose Found to get organized cheaply in year one. Choose Amadae when the income is real and the tax strategy starts to matter.
Banking app with tax tools · Updated 2026-09-29
Found pricing vs Amadae
Amadae
All plans 100% deductible
- LLC plan from $249/month: monthly bookkeeping, quarterly estimates, business and personal returns, real accountants
- S corp plan from $349/month: adds payroll, reasonable salary and the S corp return
- A free financial review comes first, so you know what you would save before paying
Found
- Free core banking account with tax tools built in
- Found Plus paid tier adds more features; check current pricing on found.com
Found's plan structure changes; confirm current tiers on found.com. Amadae Accounting is quoted after a free review.
Feature comparison
| Amadae | Found | |
|---|---|---|
| Automated bookkeeping on its own ledger | Auto-categorization in the app, not closed books | |
| Business and personal tax filing | Included with Amadae Accounting | Not the core product; you typically file elsewhere |
| Quarterly estimated taxes | Calculated and scheduled for you | Estimates and automatic set-asides; strategy is on you |
| S-corp formation and election | ||
| Business banking and cards | Business banking is the core product | |
| Invoicing and payments | Basic invoicing included | |
| Intelligent Assistant (Mozart) | Included in every module | App automation, not an assistant |
| Personal finance and forecasting |
Not sure if Found or Amadae fits better? A 30-minute call tells you exactly where you stand.
Learn MoreFree 30-minute review. No pitch deck.
Pros and cons
Amadae
Pros
- Real double-entry books closed monthly by accountants, not app categories
- Business and personal returns prepared and filed, with quarterly estimates scheduled
- S corp election, reasonable salary, and payroll handled when they save you money
- A named accountant you can text, plus Mozart for instant answers
Cons
- A monthly fee where Found's core account is free
- More than a brand-new side income needs
Found
Pros
- Free business banking that separates business money from day one
- Automatic tax estimates and set-asides require zero discipline
- Genuinely easy to open and start using
Cons
- App categorization is not real bookkeeping or financial statements
- No S corp strategy, payroll, or accountant behind the estimates
- Filing your returns is still your problem
What Found does well
Found nailed the first problem every freelancer has: business money mixed into personal checking and no idea what to save for taxes. A free account that auto-categorizes spending, estimates the tax bill in real time, and sweeps a set-aside automatically is a real upgrade over a shoebox and a guess, at a price of zero.
An estimate is not a strategy
The app's tax math answers one question: roughly how much should I set aside? The questions that actually move a grown business's tax bill, should I elect S corp status, what salary is defensible, which deductions am I missing, are my quarterly payments safe-harbored, need books an accountant closes and judgment an app does not have.
Amadae covers the banking layer Found lives in and then does the rest: transactions post to a real ledger, accountants close it monthly, quarterly payments are scheduled with safe-harbor logic, payroll runs when the S corp makes sense, and both business and personal returns are prepared and filed with IRS confirmation you can verify.
How to choose
First year, modest income, main problem is separation and set-asides: Found is a genuinely good free answer. Once the income is real, the expensive mistakes stop being about set-asides and start being about strategy nobody modeled. Amadae's free financial review will run your numbers and show what an accountant would change.
What you get with Amadae
One flat monthly price. Real accountants who know how creators get paid.
- Automated bookkeeping on its own ledger
- Business and personal tax filing
- Quarterly estimated taxes, calculated and scheduled
- S-corp formation and election
- Business banking and cards, built in
- Intelligent Assistant (Mozart) included in every module
Free 30-minute review. Transparent pricing.
Plans from
$249/mo
If you make $40K - $69K. Flat, no hourly bills.
- Monthly profit and loss reports
- Tax set-aside management
- Expense categorization
- Real-time financial dashboard
- Business bank account connections
- Individual tax return included*
Common questions
Found vs Amadae FAQ
Is Found a bank?+
Found is a financial app; banking services are provided through partner banks. The product is the layer on top: categorization, tax estimates, set-asides, and invoicing.
Does Found do my taxes?+
Found estimates your taxes and sets money aside, which is planning help, not tax preparation. Most users still file elsewhere. Amadae prepares and files business and personal returns from books its accountants keep.
When do I outgrow Found?+
Usually when the S corp question appears, income high enough that payroll-tax savings would beat the cost of running payroll. An app cannot model or execute that; Amadae does both, and the free review will tell you if you are there.
Does Amadae include banking like Found?+
Yes. Business banking and cards are built into Amadae, and transactions post straight to the ledger the accountants keep, so the categorization is part of real books rather than an app view.
See how Amadae compares to Found
Free 30-minute review. We tell you exactly what you would save.