Fewer than the sales page suggests, in most cases. The tiers step up roughly from a simple sole trader product, through a basic small business plan, to ones that add bill management, multi-currency, projects and stock. The two questions that usually decide it are how many people need access and whether you need CIS. QuickBooks caps users by tier and charges beyond that, so a business with an owner, a bookkeeper and us already has three seats to think about. CIS functionality only appears at the Plus level, which frequently makes the decision for anyone in construction on its own. Our advice is to pick for the feature you cannot work around rather than the price, and to ignore the annual discount on a plan that is wrong.