HQ Wealth vs Pacioli
HQ Wealth
hq-fs.comPacioli
pacioli.ioSide by side
| Figure | HQ Wealth | Pacioli |
|---|---|---|
| Price from | $4.08/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| Linux | — | Yes |
| API | Yes | — |
| Self-hosted | — | Yes |
| Plans published | 6 | 1 |
| Spec score · Crypto Accounting Software | 8.9 (#3) | 8.5 (#6) |
| Privacy | HQ FS states that it does not sell personal data, share it with advertising networks or use portfolio data to train AI models. | The desktop app stores data in an encrypted SQLite database on the user’s device; no account is required and cloud sync is optional. |
| Security reporting | HQ FS publishes a coordinated vulnerability disclosure program with [email protected], a 90-day disclosure window, and security.txt on every domain. | The repository directs vulnerability reports to [email protected]. |
| Self-hosting | The reviewed terms describe HQ Wealth as a software-as-a-service platform and do not state that self-hosted deployment is offered. | The same React app can be built as a static web bundle and hosted on Cloudflare Pages, Netlify, Vercel, Nginx, Caddy or Docker. |
| Wallet security | Wallet connections use signed ownership messages; HQ FS says it never receives private keys or signing capability and exchange keys must be read-only. | Wallet connections are read-only and the product says it never stores private keys. |
| What it does | HQ Wealth is a cloud bookkeeping and reporting application for crypto and traditional financial assets that ingests connected transaction history, classifies events, computes lot-level cost basis and produces tax outputs. | Pacioli is a double-entry accounting system combining digital assets and fiat accounts in one ledger. |
Plans
HQ Wealth
- HQ · VIP 0 · Free foreverFree
- 100,000 API calls$25, paid once
- Tax pack — current year$49 a year
- VIP 1 — Lifetime unlock$50, paid once
- Premium imports — 1y$120 a year
- 1,000,000 API calls$200, paid once
In their own words
HQ Wealth
HQ Wealth is web-based accounting software for crypto and other assets, built around double-entry bookkeeping. It brings cash, equities, property, crypto, bank and brokerage accounts, wallets and exchanges into a single book. The product supports 32 EVM chains and 25 exchange integrations, tracks FIFO, LIFO and HIFO cost basis, and lets users model disposals before trading. Imported movements are checked against chain state, exchange balances or statements and bank feeds; unmatched items enter a reconciliation queue. It can flag scam and airdrop tokens and pair internal transfers automatically. Outputs include tax packs for 12 countries and IFRS-style ledgers, trial balances and account reports. HQ FS says postings are timestamped and immutable, with edits recorded in an audit log. Wallet links use signed ownership messages, and exchange keys must be read-only; HQ FS says it does not receive private keys. HQ Wealth does not execute trades or hold cryptocurrency. Its free plan includes one portfolio and a watermarked tax extract, among other limits. Listed paid options include $25, paid once for 100,000 API calls and $49 a year for a tax pack.
Pacioli
Pacioli is a double-entry accounting platform for digital assets and fiat accounts. It organizes entries with a chart of accounts and balanced debits and credits, and supports FIFO, LIFO, HIFO and specific-ID cost-basis methods. Read-only wallet connections cover Bitcoin, Ethereum and ERC-20 chains, Solana, XRP, Stellar, Polkadot and Cosmos. Users can record bank transfers, invoices and cash alongside on-chain activity in any currency. Nonprofit accounting covers restricted and unrestricted net assets, fund tracking through release, and valuation of noncash digital-asset gifts. The desktop app stores data in an encrypted SQLite database on the user’s device; an account is not required, and cloud sync is optional. Pacioli is free and open-source under the GNU Affero General Public License 3.0. It is pre-alpha, however, and has no published downloadable installer; builds exist only in an unpublished draft GitHub Release. The React app can be built as a static web bundle for self-hosting. Cloud service is marked coming soon, and reporting is planned for profit and loss, balance sheet and cash flow under US GAAP and IFRS presentation.