38+ Business Finance Tools
The tools here cover four areas of business finance: tracking and managing expenses, sending invoices, handling billing, and paying suppliers.
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All Business Finance tools
Showing 13 to 24 of 39 tools
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.
Feedzai
paidFeedzai provides AI-driven fraud detection and financial crime prevention for banks and fintechs, securing billions of transactions annually with behavioral and device intelligence to reduce false positives and improve AML efficiency.
SEON
paidSEON provides a unified command center for fraud prevention and AML compliance, integrating digital footprint analysis, device intelligence, AI scoring, and case management to protect the entire customer lifecycle from onboarding to payments and investigations.
Zoho Billing
paidZoho Billing offers scalable billing solutions including product catalog management, subscription lifecycle control, automated invoicing, payment processing, and detailed business analytics. It supports multi-currency, tax compliance, and integrates with various Zoho and third-party apps.
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.
Tipalti
paidTipalti is a finance automation platform that streamlines invoice processing, supplier onboarding, tax validation, payment execution, and reconciliation across global payees. It supports multi-entity and multi-currency operations with ERP integration.
BILL Spend & Expense provides businesses with smart, flexible corporate cards integrated with AI-driven expense management software to control budgets, manage spend, and ensure compliance. It offers credit lines, budgeting tools, virtual cards, and reporting features.
Airbase
paidAirbase by Paylocity combines advanced spend management with Paylocity’s HCM platform to manage payroll and non-payroll expenses in one system, offering real-time visibility, financial planning, and spending control.
All 39 tools in this category, A to ZShowHide
- Airbase
- BILL Spend & Expense
- Brex
- Chargebee
- ChatGiraffe
- Emburse
- Expensify
- Feedzai
- FreeAgent
- FreshBooks
- Less Accounting
- Melio
- metal
- Moneydance
- Odessa
- Online Invoices
- OpenBudget
- Payhawk
- Payoneer
- PayPal
- pilot
- Pleo
- ProjectionHub
- Quicken
- Ramp
- Rounded
- Rydoo
- Sage Expense Management
- SAP Concur
- Sardine
- SEON
- Spendesk
- Stripe
- TaxAct
- 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.