43+ Business Finance Tools
The tools here cover four areas of business finance: tracking and managing expenses, sending invoices, handling billing, and paying suppliers.
Missing a tool?
All Business Finance tools
Showing 1 to 12 of 44 tools

PayPal
freemiumPayPal enables users to send, receive, and save money online and in stores with features like PayPal Debit Card, Pay in 4 interest-free payments, and crypto transactions. It also provides transaction-based advertising solutions for merchants to reach shoppers across multiple platforms.

Payoneer
freemiumPayoneer offers a multi-currency account enabling businesses and freelancers to pay, get paid, and grow globally with ease. It supports payments in 190+ countries and 70 currencies, integrates with 2,000+ marketplaces, and provides tools for workforce management and business funding.

OneStream
paidOneStream is an AI-driven enterprise performance management platform that consolidates financial close, planning, reporting, ESG, and operational data into a single unified system. It embeds governed AI agents to automate forecasting, scenario planning, and financial consolidation, enhancing accuracy and decision speed

Taxomate
paidTaxomate automates ecommerce bookkeeping by syncing sales channels like Amazon, eBay, Shopify, Walmart, and Etsy with accounting platforms including QuickBooks Online, Xero, and Wave. It summarizes sales and fees into invoices to streamline tax filings and financial analysis.
ledger
freemiumLedger is a command-line double-entry accounting system that uses plain text files for transaction data, supporting multiple currencies and international formats. It emphasizes data integrity by never modifying user data and provides extensive reporting capabilities through simple commands.

HomeBank
freemiumHomeBank is a free, open-source personal finance software supporting multiple operating systems. It offers features like transaction import/export, budget planning, dynamic reports, and vehicle expense tracking. It supports multiple currencies and automation for transaction management.

NolaPro
freemiumNolaPro is a cloud and self-hosted accounting software offering core financial management including accounts payable, receivable, general ledger, inventory, payroll, and e-commerce integrations. It supports multi-currency, multi-language, and industry-specific customizations.

pilot
paidPilot offers bookkeeping, tax preparation, and fractional CFO services combining software and expert guidance to help startups and small businesses manage finances, cash flow, and strategic growth.

Rounded
paidRounded provides tools for invoicing, expense tracking, tax calculations, BAS preparation, and time tracking tailored for Australian sole traders and freelancers. It supports bank feeds, receipt capture, GST tracking, and accountant collaboration.
Less Accounting
paidLess Accounting offers monthly bookkeeping services tailored for small businesses, including transaction categorization, reconciliation, reporting, payroll support, and tax readiness. It provides dedicated bookkeepers, flat monthly pricing, and historical cleanup to keep financials organized and accurate.

TaxAct
freemiumTaxAct provides online tax preparation and filing services for individuals and businesses, including free federal filing for eligible users, step-by-step guidance, expert help options, and guarantees on maximum refund and accuracy.

FreshBooks
paidFreshBooks offers tools for invoicing, expense tracking, time tracking, payroll, and financial reporting tailored to small businesses and freelancers. It supports online payments, automated billing, and collaboration with clients and accountants.
All 44 tools in this category, A to ZShowHide
- Airbase
- BILL Spend & Expense
- Brex
- Chargebee
- ChatGiraffe
- Emburse
- Expensify
- Feedzai
- FreeAgent
- FreshBooks
- HomeBank
- ledger
- Less Accounting
- Melio
- metal
- Moneydance
- NolaPro
- Odessa
- OneStream
- Online Invoices
- OpenBudget
- Payhawk
- Payoneer
- PayPal
- pilot
- Pleo
- ProjectionHub
- Quicken
- Ramp
- Rounded
- Rydoo
- Sage Expense Management
- SAP Concur
- Sardine
- SEON
- Spendesk
- Stripe
- TaxAct
- Taxomate
- Tipalti
- UniBee
- Xero
- Zoho Billing
- Zoho Expense
3 decisions
How to choose Business Finance tools
FreshBooks covers invoicing, expense tracking and payroll from $23 a month. Online Invoices handles invoicing, billing, expense management and bookkeeping from $6.50 a month. UniBee is built for subscription billing and automated invoicing, with a free open-source plan. PayPal and Payoneer both have free accounts. OpenBudget connects bank accounts to spreadsheets from $5 a month but cannot move money.
Two things separate these tools more than anything else. The first is scope: some tools cover one job well, others cover several. The second is what access costs before any work is done. PayPal, Payoneer and UniBee each have a $0 plan to start. FreshBooks, Online Invoices and Quicken charge a monthly fee from the first day. Odessa and ProjectionHub publish no price at all; both require a direct conversation before any number is given.
How many jobs one tool covers
Online Invoices is the only tool here that covers all four areas: invoicing, billing management, expense management and bookkeeping. Its plans run from $6.50 to $39.95 a month. FreshBooks covers invoicing, billing, expense tracking and payroll but starts at $23 a month and adds fees for extra team members. UniBee focuses on subscription billing and automated invoicing; its open-source plan is free, and its Starter plan is $99 a month. A business that only needs to send invoices and collect payments across borders can stay on Payoneer's free account without paying for features it will never use.
What access costs before the first invoice or payment
Twelve tools here have a free plan, but none is completely free forever. PayPal and Payoneer both start at $0 and charge only when transactions happen. UniBee's open-source plan is $0 a month. Moneydance offers a free trial limited to 100 manually entered transactions, then moves to a one-time purchase. TaxAct's free federal filing covers simpler returns; state filing costs extra. FreshBooks starts at $23 a month with no free tier. Online Invoices starts at $6.50 a month. Quicken's lowest plan is $1.99 a month billed annually. OpenBudget costs $5 a month on the annual plan. Odessa and ProjectionHub give no price without a sales call.
What the tool can and cannot do with money
PayPal and Payoneer move money: PayPal processes payments and offers a debit card and savings account; Payoneer sends and receives funds in 190-plus countries across 70 currencies. FreshBooks automates invoicing and pulls in bank transactions but does not hold or transfer funds itself. OpenBudget reads live transaction data from over 10,000 US financial institutions and syncs it to spreadsheets, but it has no ability to move money at all. UniBee automates recurring billing and invoicing for SaaS businesses but is not a payment processor on its own. A business that needs to pay suppliers across borders needs Payoneer or PayPal, not a tool that only reads or records.
6 questions
Frequently asked questions
Which business finance tools have a free plan?
Five tools here offer a freemium entry point. PayPal and Payoneer both have a $0 account and charge only on transactions. UniBee's open-source plan is $0 a month. Moneydance has a free trial capped at 100 manually entered transactions. TaxAct offers free federal filing for eligible, simpler returns, with state filing charged separately. FreshBooks, Online Invoices, Quicken and OpenBudget have no free tier and charge from the first month.
What is the cheapest paid plan among these tools?
Quicken's LifeHub plan is $1.99 a month billed annually, the lowest published monthly price here. Online Invoices starts at $6.50 a month. OpenBudget costs $5 a month on its annual plan or $9.95 month to month. FreshBooks starts at $23 a month. UniBee's Starter plan is $99 a month, though its open-source plan is free.
Which tools handle invoicing and billing together?
Online Invoices and UniBee both cover invoicing and billing management. Online Invoices adds expense management and bookkeeping on top, with plans from $6.50 to $39.95 a month. FreshBooks also handles invoicing and billing alongside expense tracking, starting at $23 a month. Payoneer supports invoicing as part of its global payment service on a free account.
Which tools automate accounts payable or supplier payments?
Tipalti, BILL Spend and Expense, Airbase, Melio and Payhawk all appear here for accounts payable work. Among the tools with published facts, FreshBooks automates payment processing and bank imports to reduce manual entry. OpenBudget automates transaction syncing from bank accounts to spreadsheets but cannot make payments. For full accounts payable automation with supplier payments, the tools listed by name only in this category, such as Tipalti and Melio, are the ones built specifically for that job.
Can any of these tools track expenses automatically?
FreshBooks imports bank transactions and scans receipts to track expenses without manual entry. OpenBudget connects to over 10,000 US financial institutions through Plaid and automatically sorts transactions into categories, syncing live data to spreadsheets. It is read-only, so it records spending but cannot pay anything. Ramp, Brex, Expensify and SAP Concur also appear here for expense management, though their pricing details are not published.
Which tools work for cross-border or international payments?
Payoneer is built for this: it supports payments in 190-plus countries and 70 currencies, with receiving accounts in multiple currencies and a card available for $29.95 a year. PayPal also handles international transfers and is accepted globally, with a free account and transaction-based fees. Both tools support invoicing as part of their payment services. Odessa handles asset finance across borders but is not a payment tool and requires a sales call for pricing.