Found vs Oxygen: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Found and Oxygen side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Found leads on a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Found
Smarter banking, bookkeeping, and tax management for small businesses and freelancers.
Best for you if:
- • You want a free tier before you commit
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
| At a Glance | Found | Oxygen |
|---|---|---|
Starts at | Free plan, paid from $35/mo or $315/yr Found Plus plan | Not published |
Category | Tax Software Accounting | Finance Accounting |
Rating | 4.5/5 G2 4.5 6 reviews | 4.4/5 Capterra 4.5 · G2 4.3 102 reviews |
Free plan | Yes | No |
Choose Found or Oxygen?
Choose Found if
- You want a free tier before you commit
- You want a tool that consolidates banking, bookkeeping, invoicing, and tax management in one platform
- You want a tool that automates tax savings and expense tracking, simplifying tax preparation
Choose Oxygen if
- You need finance features specifically.
In-Depth Analysis
Found
Smarter banking, bookkeeping, and tax management for small businesses and freelancers.
Found offers a very generous free tier, making it highly accessible for new freelancers and small businesses.
Strengths
- Pro: Consolidates banking, bookkeeping, invoicing, and tax management in one platform.
- Pro: Automates tax savings and expense tracking, simplifying tax preparation.
- Pro: Offers a free tier with essential business banking and bookkeeping features.
- Pro: Provides tools for contractor management, including W-9 collection and 1099 e-filing.
- Pro: AI assistant helps with financial queries and automates administrative tasks.
Weaknesses
- Con: Advanced features like higher APY, cash back, and unlimited custom rules are only available in paid plans.
- Con: Found Assistant is in beta and may make mistakes, requiring professional consultation for critical advice.
- Con: Found is a financial technology company, not a bank, with banking services provided by a partner bank.
Key features
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
Strengths
- Pro: Historically served a large user base (250K+ monthly active users)
- Pro: Supported significant card swipe revenue ($550k/month)
- Pro: Backed by a proven leadership team and significant investment ($20M round)
Weaknesses
- Con: Services are currently unavailable
- Con: Specific future initiatives are not yet detailed
Key features
Plans and prices: Found vs Oxygen
| Tool | Plans and prices | Source |
|---|---|---|
| Found |
| found.com/pricing read Nov 10, 2026 |
| Oxygen | No plan prices on file | oxygen.us |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Found pricing and Oxygen pricing.
Key Takeaways
Found
- Has a free plan
Oxygen
- Worth considering for finance
What the data shows
On the data below, Found leads on a free plan. We do not name an overall winner for this pair.
- User ratings rest on too few reviews to rank (4.5/5 from 6 reviews for Found, 4.4/5 from 102 reviews for Oxygen; we compare ratings only above 20 reviews on both sides).
- Found starts at $35/mo or $315/yr; Oxygen has no public paid plan price on file.
- Only Found has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Found and Oxygen compare in 2026?
On the data below, Found leads on a free plan. We do not name an overall winner for this pair. User ratings rest on too few reviews to rank (4.5/5 from 6 reviews for Found, 4.4/5 from 102 reviews for Oxygen; we compare ratings only above 20 reviews on both sides). Found starts at $35/mo or $315/yr; Oxygen has no public paid plan price on file. Only Found has a free plan.
What are Found and Oxygen used for?
Found: Smarter banking, bookkeeping, and tax management for small businesses and freelancers. Oxygen: Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
What does Found cost vs Oxygen?
Found's cheapest paid plan is Found Plus at $35/mo or $315/yr; it also has a free plan. Oxygen has no public paid-plan price on file. Prices read on the vendors' pricing pages, latest check Nov 10, 2026.
What's the main difference between Found and Oxygen?
Found's main strength: consolidates banking, bookkeeping, invoicing, and tax management in one platform. Oxygen's main strength: historically served a large user base (250K+ monthly active users).
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