Stessa Pricing 2026: Free Plan, Pro Plan, and What's Actually Worth It
Stessa has a genuinely useful free plan and a paid Pro tier. Here's exactly what you get at each level, what it costs, and when upgrading actually makes sense.
Stessa is one of the few property management tools where the free plan is genuinely useful — not a crippled demo. Here’s the full breakdown of what each tier includes, what it actually costs, and when it makes sense to upgrade.
The Short Answer
Stessa’s free plan covers everything most landlords need. Unlimited property tracking, automated income and expense categorization, portfolio analytics, and basic tax reporting are all available at zero cost.
Stessa Pro adds e-filing, advanced reporting, and lease management for around $20/month.
Stessa Free Plan — What You Get
Available at no cost, with no property or unit cap:
- Unlimited property tracking — no limit on number of properties or units
- Automated transaction import — connect bank accounts, mortgage accounts, and credit cards for automatic categorization
- Income and expense tracking — auto-categorized to real estate expense categories
- Portfolio analytics — NOI, cash-on-cash return, cap rate, and occupancy calculated automatically
- Tax Package — Schedule E Worksheet ready for your accountant or TurboTax
- Rent collection — online rent payments via ACH (powered by partner)
- Document storage — upload and store leases, insurance docs, receipts
- Mobile app — iOS and Android
For landlords with 1–10 units who don’t file complex taxes independently, the free plan is genuinely complete.
Stessa Pro — ~$20/month (or ~$180/year)
The paid tier adds convenience and tax filing features:
- 1099 e-filing — file 1099-NEC forms for contractors and vendors directly from Stessa
- State tax forms — state-level tax reporting where applicable
- Mileage tracking — automatic mileage log for property-related driving (deductible expense)
- Custom tags — organize expenses with custom tags for granular reporting
- Lease tracking — track lease terms, expiration dates, and renewal reminders
- Priority customer support — faster response times
- Unlimited collaborators — add unlimited partners, accountants, or property managers to your portfolio
Is Pro Worth It?
| If you… | Recommendation |
|---|---|
| Have contractors you pay 1099 income | ✅ Pro pays for itself at tax time |
| Drive frequently for property management | ✅ Mileage deduction often exceeds Pro cost |
| Have complex multi-entity tax situations | ✅ State forms + custom tags help |
| Are a W-2 employee with 1-3 rentals | ❌ Free plan is sufficient |
| Just want expense tracking and basic taxes | ❌ Free plan covers it |
Pricing Table
| Free | Pro | |
|---|---|---|
| Monthly cost | $0 | ~$20/month |
| Annual cost | $0 | ~$180/year |
| Properties | Unlimited | Unlimited |
| Transaction tracking | ✓ | ✓ |
| Portfolio analytics | ✓ | ✓ |
| Tax Package (Schedule E) | ✓ | ✓ |
| Rent collection | ✓ | ✓ |
| 1099 e-filing | ✗ | ✓ |
| Mileage tracking | ✗ | ✓ |
| Lease tracking | ✗ | ✓ |
| State tax forms | ✗ | ✓ |
Hidden Costs to Know
ACH rent collection fees: Stessa’s rent collection is powered by a partner processor. ACH transfers are typically free, but card payments carry a standard processing fee (usually 2.9–3.5%) paid by the tenant.
No setup fee. No contracts. Cancel anytime on Pro.
Free plan stays free forever — Stessa has not moved core features behind a paywall, unlike some competitors.
Stessa vs. Alternatives (Pricing Context)
| Tool | Free Tier | Paid Tier |
|---|---|---|
| Stessa | Full-featured | ~$20/month |
| Baselane | Banking + basic tracking | ~$15/month |
| TurboTenant | Full landlord management | ~$15/month |
| Buildium | No free tier | ~$58/month+ |
| Landlord Studio | Limited | ~$12/month |
Stessa’s free tier is one of the most generous in the property management software category.
Who Should Use Stessa?
Best for: Real estate investors with 1–50 units who want portfolio-level financial visibility, clean expense tracking, and tax-ready reports without paying for a full property management suite.
Not ideal for: Landlords who need tenant screening, maintenance management, or full property management features — Stessa focuses on financial tracking, not full PM.
FAQ
Does Stessa have a free trial for Pro? Yes — Stessa offers a free trial of Pro features before you commit to paying.
Can I switch from Pro back to Free? Yes. Downgrading to Free keeps your data; you lose access to Pro-only features.
Does Stessa charge per property or per unit? Neither. The free and Pro plans are flat — unlimited properties and units at a single price.
Is Stessa safe for banking information? Stessa uses bank-level encryption and connects to financial accounts via Plaid (a widely trusted financial data platform used by most major fintech apps).
→ Try Stessa free — no credit card required
See how Stessa compares: Stessa vs Baselane | Stessa vs TurboTenant | Stessa vs Landlord Studio