Finance Software Pricing (2026)
What 31 finance tools actually charge, taken from their own pricing pages and re-checked as they change. Cheapest first.
Pricing verified Sep 29, 2026
Prices here change. You'll hear about it.
Outmano watches pricing, features, roadmaps and reviews across your market, then sends one weekly brief: what changed, and what it means for you.
Finance pricing at a glance
| Product | Entry price | Plans | Free plan | Free trial |
|---|---|---|---|---|
| Zoho Expense | $4/mo | 3 | Yes | Yes |
| Expensify | $5/mo | 2 | Yes | No |
| TravelPerk | $6/mo | 2 | No | No |
| Pleo | $8/mo | 3 | No | Yes |
| Qonto | $9/mo | 3 | No | Yes |
| Airwallex | $12/mo | 3 | Yes | No |
| Brex | $12/mo | 3 | Yes | No |
| Ramp | $15/mo | 3 | Yes | Yes |
| Melio | $25/mo | 5 | Yes | Yes |
| Soldo | $27/mo | 3 | No | No |
| Quaderno | $29/mo | 5 | No | Yes |
| Zoho Inventory | $29/mo | 4 | Yes | Yes |
| Mercury | $29/mo | 3 | Yes | No |
| Relay | $30/mo | 3 | Yes | Yes |
| Odoo | $31/mo | 3 | Yes | Yes |
| TaxJar | $39/mo | 2 | No | Yes |
| Bill.com | $49/mo | 4 | No | No |
| Tipalti | $99/mo | 2 | No | No |
| Unleashed | $99/mo | 3 | No | Yes |
| Anrok | $100/mo | 2 | No | No |
| Pulley | $100/mo | 3 | No | No |
| Katana | $299/mo | 3 | Yes | No |
| Cin7 | $349/mo | 4 | No | Yes |
| Precoro | $499/mo | 3 | No | No |
| Maxio | $599/mo | 2 | No | No |
| ChartMogul | $1188/mo | 2 | No | Yes |
| Datarails | Custom | 3 | No | No |
| Jirav | Custom | 3 | No | No |
| Ledgy | Custom | 3 | Yes | No |
| Spendesk | Custom | 1 | No | No |
| Vena | Custom | 2 | No | No |
Every finance tool we track, cheapest first
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Zoho Expense
Expense reporting from Zoho.
At $4-6/seat, Zoho Expense undercuts most of the expense management category — Expensify, Rydoo, and SAP Concur all run notably higher per-user. They're clearly going after cost-sensitive SMBs and Zoho-ecosystem users rather than trying to win enterprise deals on features alone.
Plans: Free $0/mo per seat · Standard $4/mo per seat · Premium $6/mo per seat
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Expensify
Expense reports that don't suck.
At $5-9 per active user, they're undercutting Concur and Certinia significantly while sitting in the same ballpark as Ramp and Brex — but those are card-first products. Expensify is going after mid-market finance teams that want a dedicated expense tool without enterprise pricing.
Plans: Collect $5/mo per seat · Control Contact Sales
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Pleo
Smart company cards for Europe.
Pleo sits in the low-to-mid range for spend management platforms, undercutting heavier enterprise players like Airbase or Ramp's more built-out tiers while still charging per seat, which can sting for larger headcounts. They're clearly chasing SMBs and mid-market finance teams who want card control without enterprise complexity or enterprise pricing.
Plans: Start $8/mo per seat · Build $14/mo per seat · Optimise $18/mo per seat
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Qonto
Business account and finance management platform for SMBs and freelancers in Europe.
This sits mid-pack for European neobanks — pricier than bare-bones business account alternatives but cheaper than legacy bank business banking with all its fees. Qonto's clearly chasing SMBs who want a modern interface and fast onboarding without paying enterprise-grade fintech prices.
Plans: Basic $9/mo · Smart $19/mo · Premium $39/mo
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Airwallex
Global business accounts, payments, and spend management platform.
Airwallex plays the low-entry-cost game to hook businesses with a free tier, then makes its money on FX spreads and transaction fees rather than subscription revenue — closer to Wise or Revolut Business than to flat-fee platforms like Brex. It's not the cheapest at scale, but it's designed to look cheap upfront.
Plans: Explore $0/mo per seat · Grow $12/mo per seat · Accelerate Contact Sales
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Brex
Corporate cards and spend for startups.
Free-to-start puts Brex in the same low-friction bucket as Ramp, aiming squarely at startups and growth-stage companies rather than enterprises with entrenched Concur or SAP contracts. The $12/seat Premium tier is cheap enough to not be a blocker, suggesting Brex makes its real money on card spend and float, not software fees.
Plans: Essentials $0/mo per seat · Premium $12/mo per seat · Enterprise Contact Sales
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Ramp
Corporate cards and expense management.
Ramp plays the aggressive value card against Brex and Expensify, undercutting on visible per-user price while competing hard on being 'free' at the entry level to win startups and SMBs away from spreadsheets or legacy corporate cards. It's not the cheapest once the platform fee is factored in, but it's positioned to look like the budget-friendly modern alternative.
Plans: Free $0/mo · Plus $15/mo · Enterprise Contact Sales
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Melio
B2B bill pay for small business.
Free-to-$80 puts Melio well below dedicated AP automation platforms like Bill.com or Tipalti, which is the whole pitch — they're going after price-sensitive SMBs who'd otherwise cobble together bank bill pay and spreadsheets, not enterprises comparing AP suites feature-for-feature.
Plans: Go $0/mo · Core $25/mo · Boost $55/mo · Unlimited $80/mo · Platinum Contact Sales
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Soldo
Prepaid company cards and control.
At $27-39/mo plus VAT before you even add cards, Soldo lands mid-market — pricier than bare-bones expense trackers but cheaper than enterprise spend platforms like Airbase or Ramp's higher tiers. They're chasing European SMBs and mid-market finance teams who want multi-currency wallets without enterprise contract overhead.
Plans: Standard $27/mo · Plus $39/mo · Unlimited Contact Sales
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Quaderno
Global tax compliance for digital sellers.
At $29-$149/mo before hitting custom Enterprise pricing, Quaderno sits mid-market — pricier than bare-bones tax calculators but cheaper than full-blown enterprise tax compliance suites like Avalara. They're clearly chasing growing e-commerce and SaaS businesses that have outgrown manual tax tracking but aren't yet enterprise-scale.
Plans: Hobby $29/mo · Startup $49/mo · Business $99/mo · Growth $149/mo · Enterprise Contact Sales
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Zoho Inventory
Inventory management from Zoho.
Zoho sits in the budget-to-mid range of inventory management software, undercutting bigger names like NetSuite or Fishbowl by a wide margin while still offering multi-location and multi-channel features usually reserved for pricier platforms. They're clearly chasing SMBs and growing e-commerce sellers who've outgrown basic tools but aren't ready for enterprise-grade spend.
Plans: STANDARD $29/mo · PREMIUM $79/mo · PLUS $129/mo · ENTERPRISE $249/mo
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Mercury
Banking stack for startups.
Mercury undercuts traditional business banking (which often bundles fees invisibly) by being transparent and cheap at the low end, but Pro at $299/mo positions them as a serious mid-market play competing with treasury and finance-ops tools, not just checking accounts. They're clearly hunting VC-backed startups and scale-ups who'll eventually need Treasury's $250K-balance unlock, not mom-and-pop shops.
Plans: Mercury $0/mo · Mercury Plus $29/mo · Mercury Pro $299/mo
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Relay
Business banking for SMBs.
Sits in the budget-to-mid range of the fintech banking space, undercutting traditional business banking add-ons and neobank competitors that charge more for similar automation — the free plan is clearly bait to get people in the door before upselling.
Plans: Starter $0/mo · Grow $30/mo · Scale $120/mo
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Odoo
Open-source business apps suite.
Odoo undercuts most all-in-one ERP/CRM suites hard — $31-61/seat is cheap compared to stitching together Salesforce, NetSuite, or even mid-tier point solutions for each function. They're playing the 'replace 10 SaaS tools with one' card, targeting SMBs and scaling companies that are bleeding money on separate subscriptions.
Plans: One App Free $0/mo per seat · Standard $31/mo per seat · Custom $61/mo per seat
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TaxJar
Sales tax automation (Stripe).
TaxJar sits in the low-to-mid range for automated sales tax compliance tools, cheap enough for a Shopify store just past hobby status but priced like a real business tool once volume climbs. They're going after SMBs and mid-market e-commerce sellers who'd otherwise handle tax filing manually or ignore nexus obligations entirely.
Plans: Starter $39/mo · Professional $99/mo
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Bill.com
AP and AR automation for SMBs.
This sits mid-to-premium for AP automation — pricier than bare bookkeeping add-ons but cheaper than full ERP-adjacent finance suites. They're clearly going after SMBs and mid-market finance teams that have outgrown manual invoicing but aren't ready for NetSuite-level infrastructure, betting that the lack of a free trial won't scare off buyers who already know they need dedicated AP software.
Plans: Essentials $49/mo per seat · Team $65/mo per seat · Corporate $89/mo per seat · Enterprise Contact Sales
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Tipalti
Global payables automation.
Tipalti sits mid-to-premium in the AP automation space — pricier out of the gate than tools like BILL, but justified by the global payments and multi-entity infrastructure baked in. They're clearly targeting mid-market to enterprise finance teams with international payout complexity, not small businesses cutting a handful of domestic checks.
Plans: Tipalti Accounts Payable $99/mo · Tipalti Mass Payments $249/mo
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Unleashed
Inventory management software.
At $99-$729/mo before add-ons, Unleashed sits in the premium end of inventory management software — this isn't a tool for a scrappy 2-person Shopify store, it's aimed at established SMBs and mid-market manufacturers/distributors with real inventory complexity. They're competing with the likes of Cin7 and Fishbowl for the 'we've outgrown spreadsheets and basic tools' crowd, not undercutting anyone on price.
Plans: Unleashed Lite $99/mo · Unleashed Core $399/mo · Unleashed Pro $729/mo
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Anrok
Global sales tax and VAT compliance for SaaS and ecommerce, priced per tax market per month.
Anrok sits in the premium, mid-market-and-up bracket of sales tax automation — priced above bare-bones tax calculators but positioned as more modern and dev-friendly than legacy players like Avalara. They're clearly chasing SaaS and eCommerce companies with multi-state nexus complexity, not solopreneurs filing in one state.
Plans: Starter $100/mo · Popular Contact Sales
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Pulley
Cap table management for founders.
Pulley sits mid-market against Carta — cheaper to start than Carta's typical entry point but structured similarly around stakeholder-based scaling rather than a flat SMB rate. They're clearly courting startups that feel nickel-and-dimed by Carta's reputation for aggressive upsells, betting on transparency (published pricing) as the wedge.
Plans: Startup $100/mo · Growth $291/mo · Enterprise Contact Sales
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Katana
Cloud manufacturing ERP.
At $299/mo minimum with no visible entry-level paid tier, Katana sits mid-to-premium in the manufacturing/inventory software space — pricier than generic inventory tools but cheaper than full ERP suites. They're gating pricing behind sales calls, which suggests they're chasing higher-value manufacturing SMBs rather than competing on price transparency with cheaper self-serve tools.
Plans: Free Plan $0/mo · Core Plan $299/mo · Advantage Plan Contact Sales
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Cin7
Inventory management for sellers.
At $349-$1199/mo before you even hit the custom tier, Cin7 sits firmly in the mid-to-premium range for inventory management — priced well above lightweight tools like inFlow but positioned to compete with heavier ERPs like NetSuite for growing omnichannel retailers who need more than basic stock tracking.
Plans: Standard $349/mo · Pro $599/mo · Advanced $1199/mo · Omni Contact Sales
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Precoro
Procurement software for SMBs.
At $499-$999/month with no free plan or trial, Precoro sits squarely in premium territory compared to lighter tools like Airbase or Spendesk's entry tiers — this is a vendor chasing mid-market and enterprise buyers who've already decided procurement software is a budget line item, not an experiment.
Plans: Core $499/mo · Automation $999/mo · Enterprise Contact Sales
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Maxio
Billing and rev-rec for B2B SaaS.
At $599/mo minimum with no free plan or trial, Maxio is playing in the mid-market-to-enterprise range, well above self-serve billing tools like Chargebee's or Stripe Billing's entry tiers. They're not chasing startups bootstrapping their first subscription product — they want companies with real billings volume who need dedicated financial reporting, not a Stripe wrapper.
Plans: Grow $599/mo · Scale Contact Sales
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ChartMogul
Subscription analytics and CRM.
ChartMogul sits mid-to-premium in the subscription analytics space — pricier than scrappy dashboard tools but nowhere near the custom BI stack territory. The sub-$120K ARR free plan is a smart wedge to hook seed-stage startups before they can afford Pro, betting on land-and-expand as they scale.
Plans: Pro $1188/mo · Enterprise $19900/mo
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Datarails
FP&A platform that automates financial planning and reporting on top of Excel.
With no free trial, no free plan, and everything gated behind a sales call, Datarails is clearly not chasing budget-conscious teams or self-serve buyers — this is a mid-market-to-enterprise FP&A play competing with tools like Vena and Planful rather than lightweight spreadsheet add-ons. They're betting that finance leaders want a guided, high-touch buying experience, not a price list.
Plans: Professional Contact Sales · Premium Contact Sales · Expert Contact Sales
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Jirav
Financial planning and analysis software for accounting firms and SMBs.
At five-figure annual pricing before you even talk to Enterprise, Jirav sits mid-to-premium in the FP&A tooling space — pricier than lightweight budgeting tools but cheaper than full enterprise EPM suites like Anaplan or Adaptive. They're chasing mid-market finance teams who've outgrown spreadsheets but aren't ready for a seven-figure EPM implementation.
Plans: STARTER Contact Sales · PRO Contact Sales · ENTERPRISE Contact Sales
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Ledgy
Equity management for Europe.
Plans: Launch $0/mo · Scale Contact Sales · Enterprise Contact Sales
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Spendesk
Spend management platform with corporate cards, invoices, and expense controls.
Hiding all pricing behind a sales conversation signals a mid-market-to-enterprise play, not a self-serve tool competing on sticker price. They're positioning against other spend management suites like Ramp or Pleo for finance teams with more complex, multi-entity needs rather than scrappy startups wanting instant checkout.
Plans: Foundations Contact Sales
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Vena
Excel-based FP&A and financial performance management platform.
Vena plays in the mid-to-premium tier of the corporate performance management space, competing with the likes of Adaptive Insights and Planful rather than undercutting anyone on price. Their whole pitch is 'keep your Excel muscle memory but get real CPM power,' which lets them charge a premium versus point solutions while still undercutting the heaviest enterprise EPM suites like Anaplan or OneStream.
Plans: Professional Contact Sales · Complete Contact Sales
Finance Software Pricing FAQ
- How much does finance software cost?
- Entry prices run from $4/mo (Zoho Expense) to $1188/mo (ChartMogul), with a median entry price of $29/mo across the 26 priced products we track.
- What is the cheapest finance software?
- Zoho Expense has the lowest entry price of the finance software we track, at $4/mo. Expensify ($5/mo) and TravelPerk ($6/mo) are next. Zoho Expense and Expensify are free to start on.
- Is there free finance software?
- Yes — Zoho Expense, Expensify, Airwallex and 9 more offer a free plan.
- How is finance software usually priced?
- 11 of the 31 finance tools we track use hybrid pricing, against 7 on per seat and 7 on flat rate.