I simply use Wave (no affiliation, just a happy customer). I considered using ledger or gnucash or something else but at the end of the day I don't want to spen

I simply use Wave (no affiliation, just a happy customer). I considered using ledger or gnucash or something else but at the end of the day I don't want to spent too much time worrying about bookkeeping. I like how transparent they are. One of the first emails you get from the after signing up is how is it that wave accounting is free, and they explain how they charge for things like payroll and payment processing (i.e. accepting credit card payments) which allows them to keep their accounting product free. At the end of the day, the beauty of one's own business is doing whatever one wants, so if micro-optimization of finances is something you like, ledger or beancount are awesome, you can write scripts and your own tools and processes. I personally would rather focus what I consider the interesting part of my business :)