Is Hubdoc Worth $12/Month in 2026? My Real Results

Is Hubdoc Worth It?

★★★★★ 4.2/5

Quick Verdict: Hubdoc is a solid document management tool for small business owners. It grabs your receipts, invoices, and bills. Then it sends them straight to your accounting software. It works best with Xero. If you use Xero, you get Hubdoc for free. That’s hard to beat.

✅ Best For:

Xero users and bookkeepers who want to automate tasks like receipt capture and expense tracking

❌ Skip If:

You need advanced multi-line invoice scanning or don’t use Xero or QuickBooks Online

📊 Acquired by	Xero (2018)	🎯 Best For	Bookkeepers & accountants
💰 Price	$12/month (free with Xero)	✅ Top Feature	Auto document fetching
🎁 Free Trial	30 days, no credit card	⚠️ Limitation	No multi-line invoice support

How I Tested Hubdoc

Tired of chasing paper receipts?

You spend hours sorting through bills and invoices.

Tax time comes. You can’t find half your financial documents.

Enter Hubdoc.

This cloud-based tool grabs your receipts and bills for you. It reads the data. Then it sends everything to your accounting software.

In this hubdoc review, I’ll show you how it worked after 90 days of real use.

Hubdoc

Stop chasing paper receipts and invoices. Hubdoc captures your financial documents and sends the data straight to Xero or QuickBooks Online. Free for Xero users. 30-day free trial for everyone else.

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What is Hubdoc?

Hubdoc is a cloud-based document management tool. It helps you capture and store receipts, invoices, and other financial documents in one place.

Think of it like a digital filing cabinet for your business.

You snap a photo of a receipt with the mobile app. Hubdoc reads the data using OCR (optical character recognition). Then it pulls out the vendor name, date, total, and tax.

It can also fetch documents from your bank accounts and vendors automatically. Hubdoc integrates with various accounting software, making it easier to sync financial data.

Unlike basic accounting software, Hubdoc focuses only on document capture and data extraction. It then sends that real time data to tools like Xero or QuickBooks Online. Xero’s bank feed securely imports transactions into the accounting software each business day. This means seamless integration with Xero and QuickBooks for easy reconciliation.

Many free accounting apps offer features like invoicing, expense tracking, and bank reconciliation. But Hubdoc does one thing better than most: it automates the document side. This means less time on manual data entry. More time on running your business.

Who Created Hubdoc?

Jamie Shulman and Jamie McDonald started Hubdoc in 2011.

They built it in Toronto, Canada. Both founders wanted to fix the messy world of bookkeeping documents.

The tool grew fast among accountants and small business owners.

In 2018, Xero acquired Hubdoc. This made the tool even more popular among Xero users.

Today, Hubdoc has about 51 employees. It’s used by thousands of bookkeepers and accountants worldwide. The company is based in Toronto, Canada.

Top Benefits of Hubdoc

Here’s what you actually get when you use Hubdoc:

• Save Time on Data Entry: Hubdoc reads your receipts and bills for you. Many free accounting apps require manual entry. Hubdoc helps reduce manual data entry by automatically extracting key information from documents. Users report saving 10+ hours a month.
• Never Lose a Receipt Again: Every document is stored in the cloud. You can access your files from anywhere with an internet connection. No more lost paperwork at tax time.
• Connect to Your Accounting Software: Hubdoc integrates with Xero and QuickBooks Online. Your bank transactions sync with one click. It connects to other business apps you already use.
• Free for Xero Users: Many users find Hubdoc cost-effective. It’s included at no extra cost with Xero plans. That’s a big win for small business accounting.
• Stay Audit-Ready: Hubdoc stores original documents for audit-proof record-keeping. Your accountant can access everything in one place. This makes tax prep much easier.
• Work on the Go: The mobile app lets you capture documents anywhere. Many accounting software options offer mobile applications. Hubdoc’s app works on iOS and Android.
• Better Cash Flow Visibility: When all your bills and expenses are in one place, you see your full picture of spending. This helps you track expenses and manage your money better.

Best Hubdoc Features

Here are the key features that make Hubdoc stand out for bookkeeping and document management.

1. Automatic Document Fetching

This is Hubdoc’s star feature. It connects to your vendors and bank accounts. Then it pulls in bills and statements automatically.

You set it up once. Hubdoc does the rest. It fetches documents from over 700 sources.

No more logging into 10 different sites. Hubdoc allows for automatic fetching of documents from vendors and bank statements. This saves hours every billing period.

2. Smart Data Extraction

Hubdoc uses Optical Character Recognition (OCR) to read your documents. It pulls out the vendor name, date, total, and tax amount.

This means you don’t type anything. The software reads the data for you.

Users report that OCR technology in Hubdoc can sometimes make errors. But for most clean invoices, it works well. It helps reduce errors in financial management.

3. Easy Mobile App Uploads

Got a receipt at lunch? Open the Hubdoc mobile app. Snap a photo. Done.

The app works on both iPhone and Android. Hubdoc offers a mobile app that allows users to capture documents on the go.

You can also email documents to your personal Hubdoc address. It’s that simple. Many accounting software options offer mobile applications to manage finances on the go.

4. Secure Cloud-Based Storage

All your financial documents live in the cloud. They’re safe, backed up, and easy to find.

Hubdoc provides a secure platform for storing sensitive financial documents with bank-level encryption. It uses 256-bit encryption and SSL/TLS security.

Cloud-based accounting software allows users to access their financial data from anywhere. You don’t need special hardware. Just an internet connection.

5. Integration with Accounting Software

Hubdoc is highly valued for its deep integration with Xero and QuickBooks Online. It can sync your data in seconds.

Your invoices show up as ready-to-match transactions. The original receipt stays attached. Integrating accounting software with bank accounts can help with transaction tracking.

Hubdoc can integrate with accounting platforms like Xero and QuickBooks Online. Users report around 89% satisfaction with the Xero connection.

6. Automatic Filing and Sorting

Hubdoc acts as a centralized digital filing cabinet. It creates folders and sorts documents by vendor name.

No more messy folders on your desktop. Every file goes where it belongs. You can search and find any document in seconds.

This keeps your records clean for your bookkeeper or accountant. Automating bookkeeping tasks can save time and reduce errors.

7. Audit-Proof Documentation

Every document in Hubdoc is stored safely. You always have the original file ready for audits.

Hubdoc can store original documents for audit-proof record-keeping. This is a big deal for small business owners at tax time.

Using accounting software can simplify tax preparation. Hubdoc helps by organizing financial records throughout the year.

8. User Collaboration

You can invite your bookkeeper or accountant to your Hubdoc account. They get full accountant access to your documents.

Hubdoc is considered essential for accountants to collect, organize, and review client documents in one centralized location. No more emailing files back and forth.

This makes working with clients smooth and fast. Your employees and team members can upload documents too.

9. Document Export and Backup

Need to move your data somewhere else? Hubdoc lets you export everything.

You can download files as PDFs or CSV. This gives you a full backup of all your statements and records.

Free accounting tools can help small businesses manage their bookkeeping without high costs. Hubdoc makes sure your data is never locked in.

Hubdoc Pricing

Free trial: Yes — 30 days. Hubdoc has a 30-day free trial available without requiring a credit card. Xero’s starter plan includes Hubdoc at no extra cost.

Money-back guarantee: No official refund policy listed.

Is Hubdoc Worth the Price?

At $12/month on its own, Hubdoc is affordable. But the real value comes when you use it with Xero.

Xero users get Hubdoc for free. That makes it one of the best deals in online accounting tools.

You’ll save money if: You use Xero and need a way to track expenses and manage receipts without extra cost.

You might overpay if: You need advanced features like multi-line invoice scanning. Tools like Dext offer more for the price.

Hubdoc Pros and Cons

✅ What I Liked

❌ What Could Be Better

Is Hubdoc Right for You?

✅ Hubdoc is PERFECT for you if:

• You use Xero and want a free document capture tool
• You’re a bookkeeper who needs to manage clients’ receipts and bills
• You want to track expenses and automate tasks in your small business
• You need a secure place to store your financial documents in the cloud

❌ Skip Hubdoc if:

• You need detailed line-item extraction from complex invoices
• You don’t use Xero or QuickBooks Online
• You need advanced budgeting tools and full-service accounting features like payroll or purchase orders

My recommendation:

If you already pay for Xero, there’s no reason not to use Hubdoc. It’s free, it saves time, and it keeps your documents organized.

But if you need serious document scanning power, look at Dext or AutoEntry instead.

Hubdoc vs Alternatives

How does Hubdoc stack up? Here’s the full picture of the market:

Quick picks:

• Best overall: Dext — most powerful OCR and broadest third party apps support
• Best budget option: Wave — completely free bookkeeping software with invoicing
• Best for beginners: Hubdoc — simple setup, free with Xero, easy to learn
• Best for full accounting: QuickBooks — run payroll, send invoices, and track mileage in one place

🎯 Hubdoc Alternatives

Looking for Hubdoc alternatives? Here are the top options:

• 🧠 Puzzle IO: AI-powered accounting that automates 85-95% of bookkeeping for startups and small business owners.
• 🚀 Dext: Best for advanced receipt capture with 99% OCR accuracy and support for 30+ languages.
• 🌟 Xero: Xero’s accounting software is designed for small businesses. Full online accounting with bank reconciliation and invoices. Xero allows users to automate tasks like invoicing and reporting.
• ⚡ Synder: Great for e-commerce sellers who need to sync sales data from Shopify, Stripe, and more.
• 🔧 Easy Month End: Designed for accountants who want to speed up month-end business operations.
• 🧠 Docyt: Uses AI for automated bookkeeping and real-time financial reporting for businesses.
• 🏢 Sage: Enterprise-level accounting software for larger businesses with complex needs.
• 💰 Zoho Books: Zoho Books offers a free version for micro-businesses earning $50,000 or less in annual revenue. Great budget option.
• 💰 Wave: Wave offers a free accounting software plan that includes unlimited invoicing and expense tracking. Great for solopreneurs.
• ⚡ Expensify: Perfect for teams that need fast expense tracking and receipt scanning on mobile.
• 🌟 QuickBooks: QuickBooks provides tools for tracking expenses and managing payroll. It’s a top pick for small businesses.
• 🔧 AutoEntry: Strong alternative for automated data capture with good QuickBooks integration.
• 👶 FreshBooks: Beginner-friendly tool for freelancers who want to send invoices and track time tracking.
• 🏢 NetSuite: Enterprise accounting for large companies that need purchase orders, accounts receivable, and more.

⚔️ Hubdoc Compared

Here’s how Hubdoc stacks up against each competitor:

• Hubdoc vs Puzzle IO: Puzzle IO offers full AI bookkeeping. Hubdoc only handles documents. Pick Puzzle IO for complete accounting.
• Hubdoc vs Dext: Dext has better OCR accuracy and multi-line support. Hubdoc wins on price for Xero users.
• Hubdoc vs Xero: Xero is a full accounting platform. Hubdoc is just the document capture add-on. They work best together.
• Hubdoc vs Synder: Synder is best for e-commerce data syncing. Hubdoc is best for receipt and bill capture.
• Hubdoc vs Easy Month End: Easy Month End helps with closing the books. Hubdoc helps gather the documents for it.
• Hubdoc vs Docyt: Docyt offers more advanced AI automation. Hubdoc is simpler and cheaper for basic needs.
• Hubdoc vs Sage: Sage is a full accounting suite for bigger companies. Hubdoc is just document capture.
• Hubdoc vs Zoho Books: Zoho Books is a complete accounting tool. Hubdoc only handles document management.
• Hubdoc vs Wave: Wave offers free bookkeeping software with invoicing. Hubdoc only captures documents.
• Hubdoc vs Expensify: Expensify is better for employee expense tracking. Hubdoc is better for vendor document capture.
• Hubdoc vs QuickBooks: QuickBooks is full accounting. Hubdoc is a document tool that connects to QuickBooks Online.
• Hubdoc vs AutoEntry: AutoEntry offers stronger line-item extraction. Hubdoc is free for Xero users.
• Hubdoc vs FreshBooks: FreshBooks is full accounting for freelancers. Hubdoc just handles receipt capture.
• Hubdoc vs NetSuite: NetSuite is enterprise-level. Hubdoc is for small business document management.

My Experience with Hubdoc

Here’s what actually happened when I used Hubdoc:

The project: I used Hubdoc to manage receipts and bills for 3 client accounts. I wanted to see if it could replace manual data entry for my small business accounting work.

Timeline: 90 days of daily use.

Results:

What surprised me: The auto-fetch feature pulled in bank statements I didn’t even know were available. It saved me from logging into multiple bank sites. Hubdoc is a cloud-based document management tool that helps businesses automate their bookkeeping processes. It even pulled sales tax details from receipts.

What frustrated me: Hubdoc often causes frustration regarding broken bank feeds and an outdated user interface. Two of my bank connections broke during the test. I had to reconnect them manually.

Would I use it again? Yes — if you’re a Xero user. The free price is unbeatable. For QuickBooks users, I’d compare it with Dext first.

Final Thoughts

Get Hubdoc if: You use Xero and want free, simple document capture to manage your receipts, bills, and statements. It helps you run your business with less paperwork.

Skip Hubdoc if: You need advanced invoice scanning, self hosted or on premise solutions, or don’t use Xero or QuickBooks Online.

My verdict: After 90 days of testing, Hubdoc earned its spot in my toolkit. It’s not perfect. The interface needs a refresh. Bank feeds sometimes break. But for a free tool that saves 10+ hours a month? That’s a deal I’ll take every time. It helps you track profit, manage bank transfers, and keep unlimited bookkeeping records organized for your customers.

Hubdoc is best for Xero users and bookkeepers. It’s not the most powerful option. But it gets the job done for basic document management. If you need the best accounting software to pay bills, manage payments, and track income, pair Hubdoc with Xero or QuickBooks.

Rating: 4.2/5

Frequently Asked Questions

Is Hubdoc worth it?

Yes, especially if you use Xero. Hubdoc is included for free with most Xero plans. Even at $12/month for non-Xero users, it can save you hours of manual data entry. It’s a great automated document collection tool for managing your receipts and financial documents. Hubdoc allows users to capture and store receipts, invoices, and other financial documents in one place. It can help you when preparing for tax season by organizing everything.

How much does Hubdoc cost?

Hubdoc costs $12 per month as a standalone subscription. But it’s free for Xero users on the Early, Growing, and Established plans. There’s also a 30-day free trial that doesn’t need a credit card.

Is Hubdoc owned by Xero?

Yes. Xero acquired Hubdoc in July 2018. Since then, Hubdoc has been part of the Xero family. It still works with QuickBooks Online too. But the best integration is with Xero’s accounting platform.

Which is better, Hubdoc or Dext?

It depends on your needs. Dext has better OCR accuracy and handles multi-line invoices. Hubdoc is simpler and free for Xero users. If budget matters, Hubdoc wins. If you need power, Dext is the better pick.

Is Hubdoc safe to use?

Yes. Hubdoc provides bank-level security with 256-bit encryption and SSL/TLS protection. Your financial documents are stored safely in the cloud. Only people you invite can access your account. GnuCash is a free accounting tool that runs exclusively on desktops and does not require a cloud account. Manager is a free accounting platform that supports unlimited invoices. Akaunting is an open-source accounting software that lets users modify the code. Brightbook is a free online accounting system for small teams. Open-source accounting software provides users with the ability to customize their tools. For cloud-based security, Hubdoc is a strong pick.