Finance Software Pricing (2026)
What 28 finance tools actually charge, taken from their own pricing pages and re-checked as they change. Cheapest first.
Pricing verified Aug 18, 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 |
| Qonto | $9/mo | 3 | No | Yes |
| Pleo | $9/mo | 4 | No | Yes |
| Airwallex | $12/mo | 3 | Yes | No |
| Brex | $12/mo | 3 | Yes | No |
| Ramp | $15/mo | 3 | Yes | No |
| Soldo | $21/mo | 3 | No | Yes |
| Melio | $25/mo | 5 | Yes | Yes |
| Quaderno | $29/mo | 5 | No | Yes |
| Zoho Inventory | $29/mo | 5 | Yes | Yes |
| Relay | $30/mo | 3 | Yes | Yes |
| Odoo | $31/mo | 3 | Yes | Yes |
| Mercury | $35/mo | 3 | Yes | No |
| TaxJar | $39/mo | 2 | No | Yes |
| Bill.com | $49/mo | 4 | No | No |
| Jirav | $50/mo | 2 | No | No |
| ChartMogul | $59/mo | 4 | Yes | Yes |
| Tipalti | $99/mo | 2 | No | No |
| TravelPerk | $99/mo | 3 | Yes | No |
| Unleashed | $99/mo | 3 | No | Yes |
| Katana | $299/mo | 3 | Yes | No |
| Cin7 | $349/mo | 4 | No | Yes |
| Precoro | $499/mo | 4 | No | No |
| Maxio | $599/mo | 2 | No | No |
| Ledgy | Custom | 3 | Yes | No |
| Spendesk | Custom | 1 | No | No |
| Vena | Custom | 2 | No | No |
Every finance tool we track, cheapest first
-
Zoho Expense
Expense reporting from Zoho.
Zoho is playing the aggressive value card here — $4–$6/seat undercuts most dedicated expense tools like Expensify or Concur by a meaningful margin. They're going after cost-conscious SMBs and teams already in the Zoho ecosystem who want to avoid paying a premium for a standalone tool.
Plans: FREE $0/mo per seat · STANDARD $4/mo per seat · PREMIUM $6/mo per seat
-
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
-
Qonto
Business account and finance management platform for SMBs and freelancers in Europe.
Qonto sits in the low-to-mid range for neobank/business account platforms — cheaper than legacy business banking but pricier than pure fintech challengers with free tiers. They're clearly going after SMBs and freelancers who want a bank alternative with some finance-ops tooling, not enterprises needing deep integrations.
Plans: Basic $9/mo · Smart $19/mo · Premium $39/mo
-
Pleo
Smart company cards for Europe.
Pleo sits in the mid-market of corporate spend management — not as cheap as basic expense tools, but undercutting enterprise players like Spendesk or Payhawk at the top end. They're clearly targeting European SMBs and scaling startups who've outgrown manual expense reports but aren't ready for a full procurement suite.
Plans: Starter $9/mo · Essential $45/mo · Advanced $109/mo · Business $249/mo
-
Airwallex
Global business accounts, payments, and spend management platform.
Airwallex sits in the middle-to-value zone compared to legacy banking and enterprise treasury platforms — cheap enough to start free, but the real spend shows up in transaction fees once you're moving real money. They're chasing global-first SMBs and scaling startups who'd otherwise get nickel-and-dimed by traditional banks on FX spreads.
Plans: Explore $0/mo per seat · Grow $12/mo per seat · Accelerate Contact Sales
-
Brex
Corporate cards and spend for startups.
At $12/seat, Brex is priced well below traditional expense platforms like Concur but competes directly with Ramp (which is free) — so they're not the cheapest option in the modern fintech stack. They're positioning Premium as a mid-market value play, using the free tier to win startups early before competitors can.
Plans: Essentials $0/mo per seat · Premium $12/mo per seat · Enterprise Contact Sales
-
Ramp
Corporate cards and expense management.
Ramp isn't playing the cheap card here — the platform fee plus per-seat pricing pushes effective cost higher than the headline $15 suggests, especially for mid-size teams. They're positioning as the modern, feature-rich alternative to legacy expense tools, banking on product quality to justify the premium over pure per-seat competitors.
Plans: Free $0/mo · Plus $15/mo · Enterprise Contact Sales
-
Soldo
Prepaid company cards and control.
Soldo sits in the mid-market of business spend management, competing with Pleo and Payhawk rather than undercutting them on price. They're not the cheapest option, but the per-card and per-transfer fees mean total cost can creep well above the headline seat price for active teams.
Plans: Standard $21/mo per seat · Plus $33/mo per seat · Unlimited Contact Sales
-
Melio
B2B bill pay for small business.
Melio is positioned as the SMB-friendly alternative to heavier AP platforms like Bill.com — cheaper entry point, simpler UX, and a free plan that actually works. They're not chasing enterprise, but the Platinum tier signals they want a piece of high-volume mid-market before those accounts graduate to something like Tipalti.
Plans: Go $0/mo · Core $25/mo · Boost $55/mo · Unlimited $80/mo · Platinum Contact Sales
-
Quaderno
Global tax compliance for digital sellers.
At $29–$149/mo for automated tax compliance, Quaderno is positioned as the accessible, developer-friendly alternative to heavier platforms like Avalara or TaxJar, which can run into the hundreds or thousands monthly. They're fishing for bootstrapped SaaS founders and SMBs who need real compliance without enterprise pricing.
Plans: Hobby $29/mo · Startup $49/mo · Business $99/mo · Growth $149/mo · Enterprise Contact Sales
-
Zoho Inventory
Inventory management from Zoho.
Zoho sits firmly in the budget-to-mid-market band, undercutting Cin7 and Fishbowl significantly while offering more native integrations than most tools at this price. They're clearly hunting QuickBooks Commerce refugees and small manufacturers who can't justify $500+/mo for a full ERP.
Plans: Free plan $0/mo · STANDARD $29/mo · PREMIUM $79/mo · PLUS $129/mo · ENTERPRISE $249/mo
-
Relay
Business banking for SMBs.
At $0–$120, Relay is priced accessibly against business banking and financial ops tools — undercutting more established players like Mercury's add-ons or Brex's premium tiers. They're clearly going after small-to-mid-sized businesses who want more than a basic bank account but can't justify enterprise fintech pricing.
Plans: Starter $0/mo · Grow $30/mo · Scale $120/mo
-
Odoo
Open-source business apps suite.
Odoo undercuts the Salesforce/NetSuite/HubSpot crowd hard, positioning as the budget-friendly all-in-one suite rather than a best-of-breed point solution. They're chasing SMBs and scrappier mid-market teams who want ERP-lite functionality without ERP-level invoices.
Plans: One App Free $0/mo per seat · Standard $31/mo per seat · Custom $61/mo per seat
-
Mercury
Banking stack for startups.
Mercury is the affordable fintech banking alternative to Brex and Ramp — they're not trying to be the premium play, they're trying to be the obvious default for startups who don't want to deal with a legacy bank. At $0 to start and $350 at the top, they're well below what traditional banks charge for comparable business services.
Plans: Mercury $0/mo · Mercury Plus $35/mo · Mercury Pro $350/mo
-
TaxJar
Sales tax automation (Stripe).
TaxJar sits in the mid-market of sales tax compliance, undercutting Avalara's enterprise-heavy pricing while offering more automation than DIY spreadsheet approaches. They're clearly going after growing DTC and e-commerce brands that have outgrown manual compliance but aren't ready for Avalara's complexity or cost.
Plans: Starter $39/mo · Professional $99/mo
-
Bill.com
AP and AR automation for SMBs.
Bill.com sits in the mid-market sweet spot — not as cheap as entry-level tools like Melio, not as expensive as full ERP-adjacent platforms like Tipalti or Coupa. They're clearly targeting finance teams at growth-stage and mid-market companies who've outgrown basic bookkeeping but aren't ready to justify enterprise spend management suites.
Plans: Essentials $49/mo per seat · Team $65/mo per seat · Corporate $89/mo per seat · Enterprise Contact Sales
-
Jirav
Financial planning and analysis software for accounting firms and SMBs.
This sits in the middle of the FP&A tooling stack — pricier than a spreadsheet-replacement tool but cheaper than enterprise CPM platforms like Adaptive Insights or Planful. They're clearly hunting accounting firms that want to upsell advisory services without building FP&A infrastructure themselves.
Plans: Controller Essentials $50/mo · CFO Enterprise $150/mo
-
ChartMogul
Subscription analytics and CRM.
At $59-99/mo for the mid-tiers, ChartMogul undercuts heavier BI/analytics platforms but isn't chasing the rock-bottom free-tool crowd either — it's positioned as the approachable, SaaS-native option for founders who want investor-ready metrics without building a data team.
Plans: Free $0/mo · Starter $59/mo · Pro $99/mo · Enterprise $19900/mo
-
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
-
TravelPerk
Business travel platform.
TravelPerk is pitching itself as the modern, mid-market alternative to legacy TMCs like Egencia or Amex GBT — not the cheapest option, but far less painful to implement than enterprise travel management. The free entry tier is a direct shot at Navan's freemium model, and the European per-user pricing signals they're serious about competing on home turf against regional players.
Plans: Starter $0/mo · Premium $99/mo · Pro $299/mo
-
Unleashed
Inventory management software.
Unleashed sits mid-to-premium in the inventory management space — it's priced well above lightweight tools like inFlow or Sortly but competes with the likes of Cin7 and Fishbowl for mid-market manufacturers and wholesalers who've outgrown spreadsheets. They're not chasing the SMB bargain crowd; the pricing (plus the add-on ecosystem) signals they want established businesses with real inventory complexity and budget to match.
Plans: Unleashed Lite $99/mo · Unleashed Core $399/mo · Unleashed Pro $729/mo
-
Katana
Cloud manufacturing ERP.
This isn't the budget inventory tool — $299 as a starting price already prices out hobbyists and micro-businesses, and the add-on structure means serious manufacturers pay well more. Katana's playing for mid-market production teams who need MRP-grade features, not the SMB crowd comparing $50/mo Shopify inventory apps.
Plans: Free Plan $0/mo · Core Plan $299/mo · Advantage Plan Contact Sales
-
Cin7
Inventory management for sellers.
At $349 to $999/mo before you even get to Omni, Cin7 sits firmly in the mid-to-premium range for inventory management platforms — well above lightweight tools like inFlow but positioned to compete with heavier ERP-adjacent players. They're chasing growing SMBs and mid-market brands who've outgrown spreadsheets or entry-level tools but aren't ready for full ERP price tags.
Plans: Standard $349/mo · Pro $599/mo · Advanced $999/mo · Omni Contact Sales
-
Precoro
Procurement software for SMBs.
They're mid-market priced — not trying to compete with Coupa or Jaggaer at the enterprise end, but not a scrappy SMB tool either. At $499/mo flat, they're positioning against tools like Procurify or Kissflow Procurement, targeting companies that have outgrown spreadsheets but aren't ready for six-figure procurement suites.
Plans: Core $499/mo · AP Module $499/mo · Automation $999/mo · Enterprise Contact Sales
-
Maxio
Billing and rev-rec for B2B SaaS.
At $599/mo with no per-seat fees, Maxio is positioning as a mid-market alternative to Zuora and Chargebee for companies that have outgrown Stripe Billing but aren't ready for enterprise pricing. They're not the cheapest option in the space, but they're betting on unlimited users and modular add-ons to justify the price against seat-heavy competitors.
Plans: Grow $599/mo · Scale Contact Sales
-
Ledgy
Equity management for Europe.
Plans: Launch $0/mo · Scale Contact Sales · Enterprise Contact Sales
-
Spendesk
Spend management platform with corporate cards, invoices, and expense controls.
Custom quoting with no published price signals a mid-to-upmarket play aimed at mid-market and multi-entity companies, not scrappy startups looking for self-serve pricing. They're competing with Payhawk and Pleo for the same finance-team buyer, positioning on depth of control (procurement, AP, workflows) rather than being the cheapest card in the wallet.
Plans: Foundations Contact Sales
-
Vena
Excel-based FP&A and financial performance management platform.
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 $599/mo (Maxio), with a median entry price of $31/mo across the 25 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 Qonto ($9/mo) are next. Zoho Expense and Expensify are free to start on.
- Is there free finance software?
- Yes — Zoho Expense, Expensify, Airwallex and 11 more offer a free plan.
- How is finance software usually priced?
- 9 of the 28 finance tools we track use flat rate pricing, against 7 on per seat and 6 on hybrid.