Smart Financing: Top 7 Business Budgeting Software Tools

Business Budgeting Software Tools

In the world of business, many key factors need to be monitored and done correctly for not getting a slash-back. In those factors, financial budgeting is the factor that needs to be correctly done with a proper speed to make business investment decisions.

From the small to big size business structure organizations do not matter every business needs to keep track of its monetary status to understand many things. Before choosing a budget software for business the organization should analyze their requirement specification.

Top 7 Business Budgeting Software Tools

This article is on the top 7 business budgeting software tools that are introduced in the market as a blessing to companies for doing their financial budgeting digitally, securely, and with accuracy. The tools below are searched thoroughly and then put inside the list so that any small, medium or large company can adopt the software and make use of it.  


Image- Google Play

Every company nowadays finds a website that can assist them in their day-to-day budgeting tasks and become a support that can be used anywhere in the field of budgeting.

Budgeting has accounting, payroll, and payment in different sections so this software provides different services at different packages from which the organization can choose. The best part about them is that you can use them in a variety of versions based on your needs and preferences if you are a freelancer then you can use their basic version.

Whereas if you are an employee or a small business owner then you can use the power version which is the desktop version. They also offer you a cloud-based version so you can easily change devices based on your preferences. 

Features and Benefits

  • Provides a 30-day free trial of the software which is a benefit for companies who want to experience the digital services of budgeting software and then pay. 
  • The Quickbook has different products and services which is diverse in the budgeting field and they try their best to provide each and every budgeting solution to their customers.
  • The software also provides consultation to their customer on budgeting and help them in adjusting in the market. 


QuickBooks pricing is 90$ per month. However, for the first-timer, they provide 50% off which makes their package buyable at 45$.


This software rating in the market is quite high and the criticism it has received is averaged around 4 star rating out of 5 which makes it the most preferable choice among users and trustworthy at the same time. 

2. FreshBooks

Image- Google Play

This software is being chosen due to its popularity among businesses that started recently and faced budgeting issues. This software user interface is great and customers can easily navigate things in it.

The products and services can be similar to others but their unique approach makes them different from others. the software maintains small entities to provide them with full support and enable them to grow more without facing financial issues,

Features and Benefits

  • This software also has a different package system in which a customer can buy the software services for a certain period.
  • This software works for freelancers, self-employed professionals, Businesses with contractors, and also for regular businesses with employment systems. 
  • The software has accounting and managing services and for the company, they become adviser with advice which assist in all the budgeting solutions.


This software also has a different package system in which a customer can buy the software services for a certain period.

The Lite package of this software is 17$ then there is a plus package in which you need to pay 30$ and in Premium  the amount is 55$


This Freshbook is very popular and has received several ratings across several review platforms. for example, G2 reviews it received say it is a 4.5-star rating application on the other hand in Forbes it is rated as 4.7 stars out of 5 which shows their consistency in services and trust among the customers to choose them. 

3. Zoho Books

Zoho Books
Image- Google Play

Among the top-rated small business budgeting software and normal business budgeting software, Zoho Books is famous for its user-friendly interface and services distribution to small entities like freelancers and contractor-based enterprises.

The software has different product lines like invoicing, expense tracking, and time tracking features making it a valuable tool for budget management. Any small to medium size organization an go for this without having any issues. However, each business has its own budgeting style so it compulsory to check before starting. 

Features and Benefits

  • At First provides 14 days free trial for customers to use it and understand the software then the charging period starts.
  • There are four different plans in which standard helps streamline the billing operations.
  •  Professional help businesses who have subscription policies to manage. 
  • The premium is for medium to large companies with different products and services.
  •  And Elite covers all the services that are mentioned in the other packages.  

The Software has four different packages for different organizational needs in the Standard is 20$, the Professional one is 50$, the Premium is 100$ and the last is Elite which charges  300$ a month.   


This cloud-based software has been rated by several users on different review websites. On the G2 website, it is rated 4.4 stars by 4,000 users then on Software Advisor it got a 4.4 rating finally on Capterra it got a 4.4 rating out of 5 by 2,500 users.

4. Wave

Image- Google Play

Among different business budgeting software Wave is one and is a good choice to go for at first for small businesses. The freelancers looking for budgeting solutions as the software provides accounting and invoicing for free and charges a minimum amount for the subscriptions. 

The software also charges less for different services its have and provides special offers on its uses which makes it popular among customers.

Features and Benefits

  • The platform provides each and every service at a reasonable price which make them cost-saving for small to medium-sized business. 
  • The software is easy to use and makes sure that everything is accessible to users with varying levels of accounting expertise. 
  • The platform also makes sure to support their community with consulting and advice from time to time.

unlike any other software wave offers you free invoicing and accounting. However, some of the features of the software can ask you to pay some charges like they charge 1$ for each transaction of payment then 2.9%, and an additional 0.60$ for credit cards. The software also gives you the freedom to pay via American Express but it would charge you 3.4% and an additional 0.60$.  

The software has received several reviews from users who said that it provides an excellent user experience. The software received several ratings across several platforms as per software advice it was reviewed by 4.5 rating software, and Capterra rated it as 4.4 stars.

5. Xero

Image- Google Play

In the advancing technology world budgeting software is also getting advanced and this software known as Xero is one of them it is created on cloud based structure in which it can do multiple services for small to medium-sized businesses. Its user-friendly design attracts more customers towards it for its easy use.

The software provides services similar to others in the list like accounting, invoicing, expense tracking, and all but uses the cloud for doing all that and is able to store more data than any other software. Including great security which a customer can use for their benefit. 

Features and Benefits

  • Support different businesses with their Invoicing. not only that also track the invoices after opened from the client end to brief the client on the information.
  • There are other services like expense tracking, and bank reconciliation in which they help the business to transcate money and track those financial movements.
  • The software is open-handed for any business to come and collaborate with them and assist companies in becoming worry-free of budgeting issues.
  • The platform is cloud-based which allows the customer to access it from any location and without any security issues.

The software like others offers its services in 3 different package sizes which early package is 15$, the Growing is 42$ and the established package charges 78$ to the customers. However, there are always offers on the price. So, those are out for a special price range.


The software has received several high ratings on different platforms like as which got a 4.3 star rating out of five, Software advice rated them 4.5 by over 2,822 users. Users also rated them 4.4 out of 5 on and on Capterra.

6. YNAB (You Need a Budget)

Image- Google Play

YNAB is a software that not only helps businesses but also households to do budgeting and operates on the fundamentals of zero-based budgeting. 

The software at first came into the market to do personal finance. However, everybody loves the way they do it and requested them to budget their business and they started it.

Features and Benefits

  • The software uses zero-based budgeting in which they ensure that every dollar is assigned to a specific job without waste.
  • The company tracks all financial goal set by the client and help them to achieve them by making those their priority.
  • The software believes in openness and transparency so it provides reports plus connects the client business to the bank in real-time tracking and assisting in expenses. 

In the competitive market, this software offers its services in one package which is divided into two parts in which customers can pay less to be a monthly user or can pay some extra to be an annual payer and free of paying every month. The monthly charges are 14.99$ and 8.25$ for first-time buyers of the software product and services.


Several people who started using the software have reviewed them a 4.8 rating out of 5 which is a great review for a software and this was rated by more than 47,987 reviewers.

7. Sage Intacct

Sage Intacct
Image- Google Play

In the digital market, this software is also a cloud-based platform that tries its best to provide its services to clients without causing any issues. 

While developing the platform the creators have considered the platform’s scalability, security, and user experience which makes it popular among customers now. mid-range to large businesses can use this platform for their budgeting and this software can handle it efficiently.

Features and Benefits

  • The software is proficient in handling multiple entities that have complex structures which makes the software compatible with heavily loaded businesses,
  • The software uses advanced reporting methods in which they provide many insights plus solutions for issues that can arise in the future due to some issues.
  • The software also can be used to analyze a company’s financial performance and then can predict the budget size. 

This software is very big and has multiple products and services to assist a company. The price range starts from lower to higher which you can see at least 15$ for one service.


This software is mainly popular because of its user-friendly design has been reviewed by more than 2,422 users among several platforms and has received an average of 4.2 star rating out of 5. 


in the modern business world, this article has the latest and popular top 7 business budgeting software. in between those software tools cater to different business sizes and needs, so it is important to assess your specific requirements before choosing the one that best fits your organization.