{
  "analysis_id": "accounting-cost-comparison",
  "observed_at": "2026-09-11",
  "timezone": "Australia/Sydney",
  "currency": "AUD",
  "gst": "inclusive",
  "formula_monthly": "recurring_n_cents = (plan_monthly_cents + payroll_addon_cents_per_employee * employees_paid) * n; introductory_n_cents = unknown",
  "introductory_totals": "unknown",
  "independent_expected_totals": {
    "sole_trader": {
      "xero": {
        "plan_id": "xero-ignite-monthly",
        "monthly_cents": 3700,
        "recurring_12_cents": 44400,
        "recurring_24_cents": 88800,
        "arithmetic": "3700 * 12 = 44400; 3700 * 24 = 88800"
      },
      "myob": {
        "plan_id": "myob-lite-monthly",
        "monthly_cents": 3500,
        "recurring_12_cents": 42000,
        "recurring_24_cents": 84000,
        "arithmetic": "3500 * 12 = 42000; 3500 * 24 = 84000"
      },
      "quickbooks": {
        "plan_id": "qbo-simple-start-monthly",
        "monthly_cents": 3300,
        "recurring_12_cents": 39600,
        "recurring_24_cents": 79200,
        "arithmetic": "3300 * 12 = 39600; 3300 * 24 = 79200"
      }
    },
    "five_person_employer": {
      "xero": {
        "plan_id": "xero-comprehensive-monthly",
        "monthly_cents": 10700,
        "payroll_addon_cents": 0,
        "recurring_12_cents": 128400,
        "recurring_24_cents": 256800,
        "arithmetic": "10700 * 12 = 128400; 10700 * 24 = 256800"
      },
      "myob": {
        "plan_id": "myob-pro-monthly",
        "plan_monthly_cents": 7000,
        "payroll_addon_cents": 1500,
        "monthly_cents": 8500,
        "recurring_12_cents": 102000,
        "recurring_24_cents": 204000,
        "arithmetic": "7000 + (300 * 5) = 8500; 8500 * 12 = 102000; 8500 * 24 = 204000"
      },
      "quickbooks": {
        "plan_id": "qbo-plus-monthly",
        "plan_monthly_cents": 8400,
        "payroll_addon_cents": 3000,
        "monthly_cents": 11400,
        "recurring_12_cents": 136800,
        "recurring_24_cents": 273600,
        "arithmetic": "8400 + (600 * 5) = 11400; 11400 * 12 = 136800; 11400 * 24 = 273600"
      }
    },
    "growing_multi_currency": {
      "xero": {
        "plan_id": "xero-comprehensive-monthly",
        "monthly_cents": 10700,
        "recurring_12_cents": 128400,
        "recurring_24_cents": 256800,
        "arithmetic": "10700 * 12 = 128400; 10700 * 24 = 256800"
      },
      "myob": {
        "plan_id": "myob-premier-monthly",
        "monthly_cents": 21000,
        "recurring_12_cents": 252000,
        "recurring_24_cents": 504000,
        "arithmetic": "21000 * 12 = 252000; 21000 * 24 = 504000"
      },
      "quickbooks": {
        "plan_id": "qbo-essentials-monthly",
        "monthly_cents": 6000,
        "recurring_12_cents": 72000,
        "recurring_24_cents": 144000,
        "arithmetic": "6000 * 12 = 72000; 6000 * 24 = 144000"
      }
    }
  },
  "notes": [
    "Introductory 12-month totals are unknown because each vendor's public AU pages advertised conflicting offers and checkout was not started.",
    "MYOB Lite yearly after-offer $315 is a known 12-month annual figure; the 24-month yearly total is unknown because Lite legal terms also print a 25% ongoing discount.",
    "QuickBooks annual discount amount was not printed. Xero public FAQ did not describe an annual SKU."
  ]
}