33+ Business Finance Tools
Most people tracking business money need to decide whether to pay for full bookkeeping with sales tracking or log receipts for free. Online Invoices charges $6.50 per month on its Small plan to track expenses, sales, and inventory. ChatGiraffe costs $0 per month and categorizes spending through chat messages without linking your bank. If you need full books with sales and stock, pay for Online Invoices. If you only want fast receipt tracking without connecting a bank account, use ChatGiraffe.
Online Invoices
ChatGiraffeMissing a tool?
All Business Finance tools
Showing 1 to 12 of 34 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.
Moneydance
freemiumMoneydance is a personal finance app supporting account management, budgeting, investment tracking, multi-currency, and online banking with encrypted data privacy. It offers detailed graphs, reports, reminders, and syncs securely with mobile devices.
Quicken
paidQuicken is software designed to help individuals and small business owners manage personal and business finances by tracking spending, managing budgets, planning investments, and handling invoicing and taxes in one cloud-based app.
ProjectionHub
paidProjectionHub provides over 100 free, CPA-developed Excel financial projection templates tailored to specific industries, along with expert custom modeling and business plan services to help entrepreneurs prepare lender- and investor-ready financial forecasts.
Online Invoices
paidOnline Invoices offers tools for creating and sending invoices and quotes, tracking sales and payments, managing expenses and accounting, controlling inventory, and handling client relationships. It supports multi-user access, multiple currencies, tax systems, and real-time reporting.
Odessa
paidOdessa offers a cloud-native platform supporting end-to-end asset finance operations including lease and loan origination, servicing, and remarketing for banks, captives, and independents. It features AI-driven automation, API-first architecture, and scalable solutions.
UniBee
freemiumUniBee is an open-source subscription billing platform for SaaS businesses. It supports recurring and usage-based billing, metering, entitlements, automated invoicing, multiple payment gateways, analytics, and self-hosted or managed deployment.
OpenBudget
paidOpenBudget links users' bank accounts to AI tools like Claude and ChatGPT and syncs transactions to Google Sheets and Excel, enabling detailed queries about spending, budgets, and investments with automatic categorization and secure bank connections via Plaid.
metal
paidMetal is an AI-powered platform designed to assist startup founders in fundraising by providing investor intelligence, pipeline management, and workflow automation to optimize venture round capital formation.
ChatGiraffe
freemiumChatGiraffe is an AI-powered expense tracking application that allows users to manage their finances effortlessly through a chat-based interface. Users can log expenses by typing or speaking naturally, and the AI automatically categorizes and analyzes spending patterns to provide insights and optimize financial health. The app emphasizes privacy by not requiring bank connections and uses encryption to secure user data.
Sardine
paidSardine offers a unified platform for banks, merchants, and fintechs to detect and prevent fraud, automate AML operations, and monitor transactions in real-time using AI-powered agents and behavioral analytics.
All 34 tools in this category, A to ZShowHide
3 decisions
How to choose Business Finance tools
The guide below helps you choose tools for expense management, invoicing, and recurring billing. It compares options like Payoneer, UniBee, and OpenBudget so you can match your budget to your daily workload.
Payoneer
OpenBudgetTracking expenses through bank connections or chat
OpenBudget costs $5 per month on its Base Annual plan and automatically connects to over 10,000 US financial institutions to put live transactions into spreadsheets. ChatGiraffe has a free plan at $0 per month that never connects to a bank; you log expenses by typing chat messages instead. If you want your spreadsheet updated directly from your bank accounts, pay for OpenBudget. If you want to keep your bank details private and log purchases by text, pick ChatGiraffe.
Invoicing global clients or running subscription billing
Payoneer provides a free account at $0 per month to send invoices and receive money across 190 countries and 70 currencies. UniBee charges $0 per month for open-source software built for recurring subscription billing, with a hosted Starter plan at $99 per month. If you send single invoices to clients in different countries, pick Payoneer. If you sell software subscriptions and need to bill customers on a repeating schedule, choose UniBee.
Managing client billing with inventory or open code
Online Invoices costs $6.50 per month for its Small plan and handles client records, sales, inventory, and expense tracking together. UniBee offers an open-source plan at $0 per month strictly for subscription billing.
Pick Online Invoices if you sell products and need inventory tracking alongside client bills. Pick UniBee if you want open-source code for recurring member payments.
4 questions
Frequently asked questions
Which business finance tools offer a free plan?
Payoneer and UniBee offer plans that cost $0 per month for invoicing and recurring billing. ChatGiraffe provides expense tracking at $0 per month, while PayPal offers a free account for money transfers. Pick Payoneer to collect client payments without a monthly fee. Pick ChatGiraffe if you want free expense logging.
PayPalShould I choose Quicken or Online Invoices to manage business spending?
Quicken Business & Personal costs $4.99 per month billed annually and combines personal investment tracking with business spending records. Online Invoices costs $6.50 per month on its Small plan to handle invoicing, expense tracking, and inventory. Pick Quicken if you want to manage personal budgets and business finances together. Pick Online Invoices if you need client invoicing and stock tracking.
QuickenCan I track business expenses without connecting my bank account?
Yes, ChatGiraffe lets you log spending manually without linking your bank. Its free plan costs $0 per month and uses text messages to categorize receipts. OpenBudget connects directly to bank accounts starting at $5 per month on its Base Annual plan. Pick ChatGiraffe if you want your financial accounts kept completely private. Pick OpenBudget if you prefer automatic spreadsheet updates.
Which tool should I use for fraud detection?
Sardine and Feedzai both detect transaction fraud and money laundering risks. Sardine monitors real-time transactions and checks customer identities using device analytics. Feedzai processes billions of events for large banking networks. Both tools require contacting sales for custom pricing. Pick Sardine if you need combined identity checks and fraud prevention. Pick Feedzai if you are a large financial institution processing massive payment volumes.
Sardine
Feedzai