Softwr

Accounting · head to head

MYOB vs Polar

MYOB logo

MYOB

Accounting

Australian accounting and business management software for small and mid-sized businesses

From
12/year
Rated
-
Full reviewWebsite
Polar logo

Polar

Accounting

Billing and revenue platform for AI and infrastructure companies

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Polar has a free tier, so it costs nothing to try first.
  • Each has a real cost: MYOB every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months; Polar percentage-based fees higher than some specialized processors for high-volume transactions
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which MYOB and Polar actually diverge.

Attributes where MYOB and Polar differ
AttributeMYOBPolar
Starting price12/yearFree
Pricing modelsubscriptionPercentage of transaction plus per-transaction fee
Free tierNoYes
PlatformsWebWeb, API

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in MYOB

Nothing recorded that Polar does not also cover.

Only in Polar

  • Usage Billing
  • Subscriptions
  • Seat Management
  • Prepaid Credits
  • Hosted Checkout
  • Cost Insights
  • Merchant of Record

What people use each for

The jobs each tool is most often brought in to do.

MYOB

  • Tracking income and unlimited expenses for tax lodgementnot Polar
  • Processing payroll with automated superannuation contributionsnot Polar
  • Managing GST compliance and Business Activity Statement filingnot Polar
  • Reconciling bank transactions and monitoring cash flownot Polar

Polar

  • Billing for token and API call consumption by LLM applicationsnot MYOB
  • Managing tiered pricing for infrastructure usage-based servicesnot MYOB
  • Handling subscription and usage hybrid modelsnot MYOB
  • Monetizing AI APIs with usage metering and creditsnot MYOB

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

MYOB

  • Every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months
  • Adding payroll employees beyond the included allowance costs an extra AUD 3/month per additional employee on top of the plan price

Polar

  • Percentage-based fees higher than some specialized processors for high-volume transactions
  • Merchant of record model may not suit companies preferring direct payment control
  • Free Starter tier limited with 5% fees reducing appeal for production use
  • Setup and integration effort required despite API simplicity

Pricing, plan by plan

MYOB

12/year
  • Solo by MYOB$99/year
    • First year $12 (70% off)
  • Business Lite$315/year
    • First year $94.50 (70% off)
    • Payroll $3/month per employee max 2
  • Business Pro$70/month
    • First 6 months $21 (70% off)
    • Unlimited payroll employees
    • 14-day free trial
  • Business AccountRight Plus$165/month
    • First 3 months $66 (60% off)
    • Unlimited payroll
    • 14-day free trial

Polar

Free
  • StarterFree
    • 5% + $0.50 per transaction
    • Free tier for testing
    • Basic features
  • Pro$20/month
    • 3.8% + $0.40 per transaction
    • Full platform access
    • Cost insights
  • Growth$100/month
    • 3.6% + $0.35 per transaction
    • Priority support
    • Volume benefits
  • Scale$400/month
    • 3.4% + $0.30 per transaction
    • Dedicated support
    • Custom integration

Which should you pick?

Choose MYOB if

Nothing in the data separates MYOB from Polar on the points above - pick on price and on how each one feels to use.

MYOB review

Choose Polar if

  • You need usage billing.
  • You want to start without paying.
  • You work on Web, API.
  • You also want subscriptions.
Polar review

Questions people ask

Is MYOB or Polar better?
Neither clearly leads. MYOB starts at 12/year and Polar at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, MYOB or Polar?
Polar has a free tier; the other does not. Paid plans start at 12/year for MYOB and Free for Polar.
Does MYOB or Polar run on more platforms?
MYOB runs on Web. Polar runs on Web, API.
Can I use Polar for free?
Yes. Polar has a free tier, so you can try it without paying. MYOB starts at 12/year.
What is MYOB best used for?
MYOB is most often used for tracking income and unlimited expenses for tax lodgement, processing payroll with automated superannuation contributions, managing gst compliance and business activity statement filing, reconciling bank transactions and monitoring cash flow. Of those, tracking income and unlimited expenses for tax lodgement and processing payroll with automated superannuation contributions are not what Polar is typically brought in for.
What can MYOB do that Polar cannot?
Polar covers Usage Billing, Subscriptions, Seat Management, Prepaid Credits.

Answered from the vendors’ own pages

MYOB: How much does MYOB cost?

MYOB pricing starts at $12 AUD per year (first year only) for Solo, with plans ranging to $165 AUD per month for AccountRight Plus after introductory periods expire.

Source
Polar: Do you handle international payments and taxes?

Yes, Polar acts as merchant of record in 100+ markets, handling payment processing, tax collection, and compliance automatically.

Source
MYOB: What is MYOB's introductory pricing?

MYOB offers 60-70% off introductory pricing for the first 3-12 months depending on plan selection, after which regular pricing applies with no lock-in contracts.

Source
Polar: Is there a free tier?

Yes, the Starter plan is free and charges 5% + $0.50 per transaction, ideal for testing and early-stage development.

Source
MYOB: Does MYOB include payroll pricing?

Payroll starts at $3/month per employee (limited on lower tiers) and is included unlimited on Business Pro and AccountRight Plus plans.

Source
Polar: Do you offer discounts for startups?

Yes, the Startup Program provides the Scale plan free for 12 months for early-stage AI companies.

Source
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