AI Tools for Small Business in 2026: The 11 I Actually Use (Tested on Real Client Work, With Pricing)

I tested 27 AI tools on real small business workflows over 3 months — accounting, marketing, customer support, operations. Here are the 11 that saved measurable hours, the 4 overhyped ones to skip, and the exact stack that costs under $80/month. Plus ROI math and security gotchas.