Freedom251 › Bookkeeping Software
Lettuce
by Lettuce
What Lettuce is
Lettuce is a web-based financial system for U.S. solopreneurs and businesses-of-one. It combines business banking, bookkeeping, taxes, payroll-related allocations, invoicing, and back-office work. Bank feeds, automated reconciliation, invoice creation, contractor payments, and Stripe card payments support routine operations. Lettuce can form an LLC, register an EIN, and manage compliance; Pro offerings add S Corp election and management. The service calculates and pays federal and state taxes monthly through payroll and prepares an S Corp return and Schedule K-1. Incoming business payments can be divided among salary, expenses, tax withholding, and profits. Banking includes a checking account and Visa debit card, with FDIC coverage stated up to $250,000 or $3,000,000 depending on the provider account. Grow costs $29 a month; Pro costs $299 a month. There is no free plan, and business income must land in a Lettuce bank account for automated allocations.
Who it suits
Lettuce suits U.S. solopreneurs and businesses-of-one seeking combined banking, bookkeeping, tax, payroll, invoicing, and LLC support. Its plans target different income levels and require business income to enter a Lettuce account for automation.
What it does well
- Bank feeds and reconciliation
- LLC and EIN support
- Monthly tax handling
- Invoice creation and tracking
- 24/7 AI assistant
What to know first
- No free plan
- U.S.-directed services
- Income must land in Lettuce account
- Healthcare premiums are additional
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Grow | Billed monthly · Cancel anytime · Income between $40,000 and $69,000 | $29 a month |
| Pro | Billed monthly · Cancel anytime · Designed for income of $70,000 or more | $299 a month |
| Pro + Healthcare | Premium billed monthly after enrollment · Cancel anytime; healthcare premiums are additional (page also shows $438/mo.). · Everything in Pro · Group-rate healthcare · National PPO network · Family coverage options · Availability listed for AZ, CA, CO, FL, GA, IL, IN, MD, NC, NJ, NY, OR, TX, UT, VA | $299 a month |
| Pro (S Corp Management) | Billed monthly · Cancel anytime; annual option shown as $249/mo. · Everything in Grow · S Corp election and management · Monthly payroll · Tax preparation and business filing · Audit protection · Healthcare access · Solo 401k access · Personal Form 1040 filing is an additional $500 billed annually | $299 a month |
| Grow (LLC Management) | Billed monthly · Cancel anytime; annual option shown as $83/mo. · LLC formation ($0 + state filing fees) · EIN registration · Tax set-asides · Business bank account and debit card · Expense and invoice management · Unlimited contractor payments · AI assistant and support | $49 a month |
As lettuce.co lists them, read 20 Sept 2026. The maker's own page has the final word.
Verdict
Lettuce combines financial administration with banking, tax, payroll, and entity-management services for U.S. one-person businesses. Grow and Pro provide clear monthly prices, while account-funding and geographic requirements should be checked first.
Facts from Lettuce's own pages
- AI and support
- Lettuce includes its LettuceHead AI assistant 24/7 and says a dedicated support team is available. · lettuce.co, 11 Oct 2026
- Audience and geography
- Lettuce states its services are directed to clients located in the United States and describes its target customers as solopreneurs and businesses-of-one. · lettuce.co, 11 Oct 2026
- Automated reconciliation
- Yes · lettuce.co, 20 Sept 2026
- Bank feeds
- Yes · lettuce.co, 20 Sept 2026
- Banking
- Lettuce offers a business checking account and Visa debit card; its pages identify i3 Bank and Trans Pecos Bank as banking providers, depending on the account. · lettuce.co, 11 Oct 2026
- Banking protection
- The business bank account page states FDIC insurance coverage of up to $250,000 through Trans Pecos Bank or up to $3,000,000 through i3 Bank, depending on the account. · lettuce.co, 11 Oct 2026
- Company
- The site identifies the company as Lettuce Financial Labs, Inc. · lettuce.co, 11 Oct 2026
- Formation
- The service handles LLC formation, EIN registration, and ongoing compliance, with S Corp election and management included in Pro and higher plans. · lettuce.co, 11 Oct 2026
- Free plan
- No · lettuce.co, 20 Sept 2026
- Headquarters
- 548 Market St., Suite 84232, San Francisco, CA 94104 · lettuce.co, 28 Sept 2026
- Integrations
- Lettuce says customers can connect business credit cards, imports credit-card transactions via Plaid, and supports invoice card payments through Stripe. · lettuce.co, 11 Oct 2026
- Invoice creation
- Yes · lettuce.co, 20 Sept 2026
- Invoicing
- The service lets customers send and track invoices, with credit-card payments available through Stripe. · lettuce.co, 11 Oct 2026
- Notable requirement
- The pricing FAQ says business income must land in a Lettuce bank account to automate salary, distributions, payroll, and tax withholding, though customers can transfer funds to other accounts afterward. · lettuce.co, 11 Oct 2026
- Payroll and cash flow
- Lettuce allocates incoming business payments across salary, expenses, tax withholding, and profits, and supports contractor payments. · lettuce.co, 11 Oct 2026
- Purpose
- Lettuce describes itself as a financial system for solopreneurs that handles business banking, bookkeeping, taxes, and related back-office work. · lettuce.co, 11 Oct 2026
- Security and privacy
- Lettuce says it uses commercially reasonable technical, administrative, and physical safeguards and does not sell personal information except as described in its policy or permitted by law. · lettuce.co, 11 Oct 2026
- Paid from
- 29 · lettuce.co, 20 Sept 2026
- Tax management
- Lettuce says it calculates and pays federal and state taxes monthly through payroll and prepares and files an S Corp return (Form 1120-S) and Schedule K-1. · lettuce.co, 11 Oct 2026
Where Lettuce stands on Freedom251
- Bookkeeping Software#73 of 75