10 Best Business Budgeting & Accounting Software in 2025

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Small businesses often find it challenging to keep track of their expenses and invoices, and stay within budget. Maybe there isn’t a lot of knowledge about budgeting or because the business is growing quickly and doesn’t have the time to track expenses manually.

Fortunately, there are some great budgeting and accounting software options available to help small businesses stay on top of their finances. This software makes it easy to track spending, create budgets, send invoices, and monitor progress.

Selecting the right budgeting and accounting software for your business can be a challenge, but we’ll take you through the best options available for small businesses and enterprises.

The best business budgeting and accounting software

As an accountant or business owner, you know budgeting is essential to keeping your business afloat. But with so many different budgeting and accounting software programs on the market, how can you choose the right one for your business?

There are a few key factors to consider when choosing budgeting software. First

• Consider the cost of the software and whether it fits within your budget.
• Look at the features the software offers and decide which ones are most important for your business.
• Read reviews of the software to see what other users have to say.

We’ll review the best online business budgeting software to make your decision easier. Many of these software are accounting software but also double as budgeting tools.

Related: Small Business Accounting Tips

Let’s get into the reviews:

1. FreshBooks

What is it?

FreshBooks is one of the best accounting software for small business owners who need a simple, efficient way to manage their budgets and finances. This software is cloud-based, so you can access it from anywhere, and it integrates with a variety of other business software to make accounting and budgeting even easier.

Who is FreshBooks for?

FreshBooks is great for small business owners, accountants, and freelancers who are looking to track invoices and monitor expenses. It’s also the perfect option for simple and effective finance management.

What are the best features of Freshbooks?

Some of the key features of FreshBooks include:

• Invoicing and payments: Easily create and send invoices, track payments, and manage late payments
• Expense tracking: Track your business expenses so you can stay on budget
• Time tracking: Keep track of the time you and your team spend on projects
• Reports: Get instant snapshots of business and budget performance
• Accounting: Create accurate, compliant, and detailed financial reports easily.

What do users say about FreshBooks?

Many users like how FreshBooks easily integrates with other software. People also had positive things to say about the ease of navigation. Other users thought that the pricing gets expensive with more team members. This makes sense as the software is mostly designed for small businesses.

Fresbhooks has a 4.5/5 rating on G2 and 3.8/5 on TrustPilot.

FreshBooks Pricing

FreshBooks has 3 standard pricing plans:

1. Lite starts at $6 per month, and includes unlimited expense tracking
2. Plus starts at $11 per month, and includes automatic expense tracking
3. Premium starts at $22.5 per month, and includes tracking for bills, bill payments & vendors with accounts payable.

You can view full Freshbooks pricing here. Freshbooks offers a free trial for 30 days, and doesn’t ask for credit card information. You can take this time to get familiar with the software and decide if it’s right for you.

2. Xero

What is it?

Xero is an all-in-one online accounting software and small business budgeting software that gives users real-time visibility of their cash flow. It includes features such as invoicing, bank reconciliation, expense claims, and bookkeeping.

Who is Xero for?

Xero is designed for small business, bookkeepers, and accountants who want to free up time from paperwork. You can have instant access to financial data, track budgets, and real-time visibility of cash flow.

Xero’s Best Features

• Set up your organization’s budget: Track down any overspending by setting up budgets for your organization as a whole, or for specific projects.
• Create budget summary reports: Get a quick overview of your organization’s budget performance with our summary reports.
• Pay bills and claim expenses: Track and manage spending with expense management tools
• Track your finances with accurate accounting reports.

What do users say about Xero

Many Xero users find the support to be quick and efficient. While others like the intuitive user interface. Some users felt limited by the number of reporting options available.

Xero has a 4.2/5 rating on TrustPilot and 4.4/5 on G2.

Xero Pricing

Xero has 3 pricing plans:

• Starter ($22/month): Perfect for solopreneurs and self-employed people
• Standard ($35/month): Works best for small businesses
• Premium ($47/month): Good for growing businesses and medium-sized companies

One thing that I didn’t like is that Expense Claiming and Analytics aren’t included in these plans. They come as add-ons for $4 and $7 respectively.

Try out Xero today

3. QuickBooks

What is it?

Intuit’s QuickBooks, known for its excellence in financial software development, offers an accounting and budgeting software program cum budgeting tool. QuickBooks is designed to help small businesses manage their finances by tracking income and expenses, creating invoices and reports, and more. It’s available in both desktop and online versions.

Who is it for?

QuickBooks is a business budgeting tool designed for small businesses and organizations. It offers a simple, efficient way to track income and expenses, manage inventory, and create invoices and reports. QuickBooks can be used by businesses of all sizes, but it is particularly well-suited for small businesses that don’t have the time or resources to invest in a more complex accounting system.

QuickBooks Best Features

QuickBooks’ key features are:

• Manage bills: You can track billable hours, create invoices, and schedule payments.
• Track income and expenses: Sync QuickBooks with your bank accounts and sort cash flow under one dashboard.
• Budgeting and forecasting tools: Track your income and expenses, set financial goals, and create budget scenarios to see how different choices might impact your bottom line.
• Virtual Bookkeepers: Sign up for a live bookkeeper and take bookkeeping off your plate.

Want to make an informed decision on Quickbooks? Check out our piece on Quickbooks alternatives to have a full picture of the software.

What do users say about QuickBooks?

Users give QuickBooks a high ease-of-use score. Customers also like how you can automatically categorize transactions with rules you set up. Other customers thought that reports could do with more details and insights.

QuickBooks has a 4/5 rating on G2 and 4.6/5 on TrustPilot

Pricing

QuickBooks has 4 pricing tiers:

• Simple Start at $35: Track incomes, payments, and expenses.
• Essentials at $55: Get more enhanced reports
• Plus at $85/month: Get access to project profitability features
• Advanced at $200/month: Customized access and on-demand training for users

Try QuickBooks Today

4. Scoro

What is it?

Skoro combines budget management tools with additional software to handle your entire business in a single system. You may also track expenditures and resources, use a financial dashboard, and manage project budgets.

Who is it for?

This program has a comprehensive range of tools that may be scaled as the company grows. It’s perfect for any size firm looking for competent financial planning and project management tools.

Scoro’s Best Features

• Budget planning and forecasting: See how much money you have left to spend on a project and make adjustments accordingly
• Unlimited project budgets: Add more projects, with bigger budgets as needed
• Invoices, quotes, and receipts: Track money spend and keep your clients happy
• Customizable dashboards: See your progress at a glance, according to your company’s unique needs

What do users say about Scoro

Customers appreciate the quality of support that Scoro offers. Others really like the project management features. Scoro has rating of 4.5/5 on G2 and 3.2/5 on TrustPilot.

Pricing

Scoro has 3 pricing plans:

Essential at $28 per user/month: Create quotes, invoices, and manage billing

Standard at $42 per user/month: Track expenses and enjoy multi-currency support

Pro at $71 per user/month: Create project budgets and sales pipelines

Try Scoro for free

5. PlanGuru

What is it?

PlanGuru is designed to streamline finances and budgeting for small to medium-sized businesses by being compatible with both Excel and QuickBooks. Forecast and budget your business years into the future with Planguru. It comes with features like cash flow projections and financial ratios.

Who is it for?

PlanGuru is ideal for small to medium-sized businesses and nonprofits who want to make the most of their budget. The software makes it easy to create and track your budget, so you can see where every dollar goes.

Best Features

Planguru’s key features are:

• Financial reporting
• business budgeting
• 20+ Standard Forecasting Methods
• Budget/Forecast for up to 10 Years

What do users say about PlanGuru

Customers like the strong customer support and integration capabilities with Excel, QuickBooks, and other accounting software. A point of concern for some users is the limited flexibility in reporting and the lack of customization.

Planguru has a rating of 3.9/5 on G2 and 4.0/5 on Trustpilot.

Pricing

PlanGuru costs $99/ month or $899/year. You can get the cloud version or the desktop version, along with a 30-day guarantee.

Try PlanGuru for free.

6. Coupa

What is it?

Coupa is a straightforward cost and budget management software that allows all team members to see real-time results and budgets. It’s part of a larger Coupa administration system.

Who is it for?

Coupa software is designed for businesses of all sizes that are looking to improve their financial visibility and control spending. The software provides a single platform for tracking expenses, invoices, and payments.

Coupa’s Best Features

Coupa’s top features are:

• Expense management
• Budget tracking
• Cost controlling tools
• Compliance and control tools

What do users say about Coupa

Users like that the software is easy to use and quick to set up. Other customers like the ease of tracking costs and projects. Some customers reported encountering bugs with the software.

Coupa has a 4.1/5 rating on G2 and 2.5/5 on TrustPilot

Pricing

Coupa offers custom pricing according to your business needs.

Visit the website

7. Bizview

What is it?

Bizview is a cloud-based financial planning and reporting tool that enables businesses to budget, forecast, and track their performance in real time. Bizview is designed to be used by businesses of all sizes, from small businesses to large enterprises.

Who is it for?

The software is designed to be used by businesses of all sizes, but it is especially well-suited for larger enterprises that require collaboration between multiple users. With Bizview, users can create custom dashboards and reports that can be shared with others in their organization.

Bizview Best Features

Bizview’s key features are:

• Financial planning and analysis
• Budgeting and planning
• Business and Finance dashboards
• Compliant reporting tools

Pricing

Bizview offers custom pricing. You can get a quote by sharing your email address and business needs.

Visit Bizview website

8. Workday (Previously Adaptive Insights)

What is it?

Workday is a cloud-based software that combines budgeting and forecasting with reporting and analytics capabilities. The software provides financial reporting and dashboards to give users a quick overview of the company’s performance.

Related: How to forecast your business

Who is it for?

Workday is best suited for bigger companies that want adaptability and agile software. The vendor offers all-in-one solutions that are easy to implement and use. Workday also provides excellent customer support and training. However, the company’s products are not cheap, and smaller businesses may not be able to afford them.

Workday Best Features

Workday’s best budgeting features include:

• Budgeting and Forecasting
• Analytics and Reporting
• Scenario Planning
• Cost and Project Planning

What do users say about Workday?

Users rated Workday’s versatile functionality as its top feature. Customers also enjoy the many advanced tracking features. Other customers thought that it takes time to get used to the flow of the software.

Workday has a 4.0/5 rating on G2 and 4.4/5 on Getapp.

Pricing

You can get in touch with the sales team to get an accurate quote. Workday’s annual subscription prices usually begin at $300,000 and can go up to $40-60 per employee monthly.

Visit the Workday website

9. Billquick (BQE Core)

What is it?

Even if you don’t have access to a computer, Billquick is a business budgeting software that makes it easier to plan your finances remotely. This program enables you to budget, invoice, and manage projects, making it ideal for creative groups.

Who is it for?

BillQuick is ideal for businesses that need an efficient way to manage their finances. The software can save businesses time and money by automating billing and invoicing processes.

Best Features from BillQuick

BillQuick’s top budgeting features:

• Easy invoice generation
• Budgeting tools for projects
• Automated reporting
• Dashboards with expenses, budgets, and profitability info

What do users say about BillQuick?

Customers enjoy the good tech support on offer. Others say that ease of setup is favorable compared to other similar software. The only issue people reported was that sometimes the dashboard is slow to load.

BillQuick has a 4.4/5 rating on G2 and 4.4/5 on TrustPilot.

Pricing

You can request a demo from the BillQuick website to get a custom quote.

Visit the BillQuick website

10. Zoho Books

What is it?

Zoho Books is an online accounting software that helps you manage your finances, automate business workflows, and collaborate with your team and accountant. It is part of the Zoho suite of apps that offers a range of solutions for different business needs. Zoho Books is designed for small and medium-sized businesses that want to streamline their accounting processes and stay compliant with tax regulations.

Who is Zoho Books for?

Zoho Books is suitable for businesses that sell products or services, track inventory, manage projects, send invoices, accept online payments, and generate reports. It supports multiple currencies, languages, and tax systems, making it ideal for businesses that operate across borders. Zoho Books also integrates with other Zoho apps and third-party platforms such as GSuite, Office 365, Stripe, PayPal, Slack, Zapier, and more.

What are some of the best features of Zoho Books?

Some of the best features of Zoho Books are:

• Invoicing: Create professional invoices in seconds, customize them with your logo and branding, send them via email or SMS, and track their status. 
• Expenses: You can record and categorize your expenses, attach receipts, set up recurring expenses, and automate expense approvals. 
• Banking: You can connect your bank and credit card accounts to Zoho Books and automatically import your transactions. You can also create bank rules to categorize them and reconcile them with your books. 
• Contacts: You can manage all your customers and vendors in one place, view their transaction history and outstanding balances, send statements and payment receipts, and enable customer portal and vendor portal for online collaboration.

What do users say about Zoho Books?

Many users like Zoho Books for its ease of use, affordability, customer support, integrations, and features. They appreciate the free plan option, the invoice, and inventory management system. However, some users think that Zoho Books may be too complex for some small businesses, have limited integration options, and offer a small pool of accountant partners.

Zoho Books Pricing

Zoho Books has 6 pricing tiers:

• Free with 1 user account
• Standard ($20/mo) with 3 users and up to 5000 invoices a month
• Professional ($50/mo) with 5 users, unlimited invoices, and custom reports
• Premium ($70/mo) with 10 users and custom domain support
• Elite ($150/mo) with 10 users, and advanced currency and inventory handling tools
• Ultimate ($275/mo) with 15 users, advanced analytics, and 25 custom modules.

Zoho Books also offers a free trial where you can experiment with all its features to get a feel for the software.

Visit Zoho Books website

Business Budgeting and Accounting Software: Wrap-up

At the end of the day, keeping track of your expenses is critical to the success of your small business. While it may seem like a daunting task, using online budgeting software can make it much easier.

We’ve shown you some great options for software that will help you stay on top of your spending, create budgets, and monitor progress. If you liked this article, you’ll want to check out our list of the best small business marketing software.