What do YC companies use?

Overwhelmingly QuickBooks Online, often through Pilot or Bench for bookkeeping.

Does it matter for a 409A?

No — the 409A uses financials, not the platform they came from.

Compare QuickBooks Online and Xero for startup accounting — pricing, integrations, and what VC-backed founders actually pick.

Both are cloud accounting standards. QuickBooks dominates in the US and is what most fractional CFOs default to. Xero leads outside the US.

US startup, US accountant, standard SaaS chart of accounts. Universal support and integrations.

Non-US or multi-entity operations. Cleaner multi-currency and bank feed handling internationally.

Pick whichever your bookkeeper uses. Migration mid-flight costs more than either license difference.

What do YC companies use?: Overwhelmingly QuickBooks Online, often through Pilot or Bench for bookkeeping.
Does it matter for a 409A?: No — the 409A uses financials, not the platform they came from.