11+ Free Business Finance Tools
12 of the 39 tools in this category have a free plan. Each offers a free tier beside paid plans.
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Business Finance tools with a free plan
Showing 1 to 12 of 12 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.
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.
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.
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.
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.
Chargebee
freemiumChargebee automates subscription billing, invoicing, payments, revenue recognition, and tax compliance for businesses with complex pricing models and global scale. It supports tiered, usage-based, and hybrid pricing with integrations for accounting and payment gateways.
Zoho Expense
freemiumZoho Expense automates capturing receipts, expense reporting, approvals, reimbursements, and travel bookings with policy enforcement across multiple currencies and regions.
Brex
freemiumBrex provides a unified finance platform with corporate cards, spend management, reimbursements, travel, bill pay, and real‑time visibility, along with API integrations for automation and control.
Ramp
freemiumRamp is a finance automation platform offering corporate charge cards, expense workflows, bill payments, procurement, travel booking, and business banking in a unified system.
Melio
freemiumMelio is a payment platform that enables businesses to pay bills and get paid easily with flexible payment methods, global payments, AI automation, and seamless accounting integrations. It offers powerful cash flow management, approval workflows, and an AI assistant for fast AP insights.
FreeAgent
freemiumFreeAgent is an online accounting software tailored for small businesses, freelancers, and landlords to manage finances, tax submissions, invoicing, payroll, and cashflow forecasting with ease. It supports Making Tax Digital compliance and offers UK-based support.
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.