Kronos vs Found: Compared Side-by-Side (2026)

Q: Is Kronos or Found better for self-employed Americans?

Found is built for self-employed business banking — it bundles a business checking account, automated tax withholding, expense categorization, invoicing, and built-in bookkeeping. Kronos is built for the personal money side of gig work — a 0% APR earnings tracking, 2.5% APY savings, zero-fee crypto on 30+ coins, and USDC conversion of gig income. If you primarily need bookkeeping and tax automation as an LLC or sole prop, pick Found. If you need liquidity, yield, and crypto as an individual gig worker, pick Kronos.

Q: How much does Found cost vs Kronos?

Found has a free Lite tier and a Found Plus plan at $19.99/month (or $149.99/year) that adds priority tax withholding and unlimited invoicing. Kronos Pro is $9.99/month on the web checkout or $13.99/month in-app. Kronos is roughly half the price of Found Plus.

Q: Does Found offer gig earnings tools or crypto?

No. Found does not offer a earnings tracking product, and it does not support crypto. Both are Kronos-only between these two products.

Q: Does Kronos do bookkeeping and invoicing like Found?

Not at the depth Found does. Kronos has a gig tax estimator and multi-app earnings tracker, but Found's strength is full bookkeeping with expense categorization and invoicing. If you run an LLC and need clean books at year-end, Found wins on that axis.

Q: Can I use both Kronos and Found?

Yes. Many gig workers run Found for the business side (LLC bookkeeping, tax withholding, invoicing) and Kronos for the personal side (cashflow, savings APY, crypto).

TL;DR

Found is a business checking account for the self-employed. It auto-categorizes expenses, withholds estimated taxes by sweeping a percentage of every deposit into a tax bucket, invoices clients, and produces clean Schedule C books at year-end. It is one of the best products on the market if you operate as an LLC or sole prop and want bookkeeping handled in the background.

Kronos solves the personal-finance side of gig work. Pro at $9.99/mo on web ($13.99 in-app) ships a 0% APR earnings tracking, 2.5% APY savings on the full balance, zero-fee crypto on 30+ coins via licensed partner our banking partner, and USDC conversion that auto-flips gig income to digital dollars. There is essentially no overlap between the two — Found does not lend, does not pay APY, and does not support crypto. Kronos does not produce books.

Pricing & fees

Feature	Kronos	Found
Free tier	Yes — banking, savings, crypto buy/sell, gig tracker	Yes — Found Lite (basic checking + bookkeeping)
Paid plan	Pro: $9.99/mo (web) or $13.99/mo (in-app)	Found Plus: $19.99/mo or $149.99/yr
Gig earnings fee	$0 origination, 0% APR up to (Pro)	n/a — no liquidity product
Crypto trading fee	$0 platform fee on Pro (network/spread only)	n/a — no crypto
Monthly account fee	$0 on free tier	$0 on Found Lite
Hidden fees	None disclosed; tipping disabled	None disclosed

Best for

Pick Kronos if you

Drive Uber, Lyft, DoorDash, Instacart, Spark, Amazon Flex, or any 1099 gig.
Need a earnings tracking at 0% APR between deposits.
Want yield on idle cash (2.5% APY on full Pro balance).
Want zero-fee crypto on 30+ coins, non-custodial via our banking partner.
Want gig income auto-converted to USDC to hedge inflation.

Pick Found if you

Operate as an LLC or sole proprietorship and want clean books at year-end.
Want automated tax withholding swept off every deposit.
Need invoicing built into the bank account.
Want expense categorization tagged to Schedule C lines.
Need a separate business checking account with a clear paper trail.

Features compared

Feature	Kronos	Found
Gig earnings	Not offered	Not offered
Savings APY	2.5% on full balance (Pro)	Not offered as headline product
Debit card	Card issuer in flight (4 applications out)	Yes — business debit card
Crypto	30+ coins, $0 platform fee on Pro, non-custodial	Not offered
Stablecoin/USDC	Auto-convert gig income to USDC	Not offered
Automated tax withholding	Tax estimator only (no auto-sweep)	Yes — auto-sweeps tax % off each deposit
Bookkeeping	Light — gig earnings tracker	Full — Schedule C-ready expense categorization
Invoicing	Not offered	Yes — built in
Business checking	Personal banking model	Yes — purpose-built for sole prop / LLC
Gig income tracker	Multi-app earnings + tax estimator	General self-employed bookkeeping
Referral payout	+3 days Pro per friend (cap 12) plus $15 cash for first 3 friends post-launch	Standard refer-a-friend

Where Kronos wins

Liquidity. Found will not lend you money. A 0% APR cashflow is a structural Kronos-only feature.
Yield on cash. 2.5% APY on the full Pro balance — Found does not offer high-yield savings as a headline product.
Crypto. 30+ coins with $0 platform fee on Pro, non-custodial via our banking partner. Found is fiat-only.
USDC conversion. Auto-flip gig income to digital dollars; unique to Kronos.
Cheaper paid plan. $9.99/mo web vs $19.99/mo Found Plus — Kronos is roughly half the price.

Where Found wins

Automated tax withholding. Found's signature feature: a percentage of every deposit is auto-swept into a tax bucket so quarterly estimateds are already covered. Kronos has a tax estimator but does not auto-sweep.
Bookkeeping depth. Schedule C-ready expense categorization that genuinely saves hours at year-end.
Invoicing. Built into the bank account — Kronos has no invoicing.
Business banking model. If you operate as an LLC or sole prop and need a separate business account, Found is purpose-built for that.
Maturity for self-employed. Found has been shipping into this niche longer.

FAQ

Is Kronos or Found better for self-employed Americans?

Different problems. Found is the right tool if you operate as an LLC or sole prop and need clean books and tax automation. Kronos is the right tool for personal liquidity, savings APY, and crypto. Many gig workers use both.

How much does Found cost vs Kronos?

Found Plus: $19.99/mo or $149.99/yr. Kronos Pro: $9.99/mo (web) or $13.99/mo (in-app). Kronos is roughly half the price.

Does Found offer gig earnings tools or crypto?

No. No liquidity product and no crypto. Both are Kronos-only between these two products.

Does Kronos do bookkeeping and invoicing like Found?

Not at the same depth. Kronos has a gig tax estimator and multi-app earnings tracker. Found has full Schedule C-ready bookkeeping and invoicing.

Can I use both Kronos and Found?

Yes. Found for the business side (LLC books, tax withholding, invoicing). Kronos for the personal side (cashflow, savings APY, crypto, USDC).

Is Kronos crypto custodial?

No. Our licensed exchange partner brokers the buy/sell leg; assets settle to a non-custodial wallet you own.

Kronos vs Found