Best Free Finance Software of 2025 - Page 31

Osome serves as a comprehensive business management platform aimed at facilitating the operations of entrepreneurs, small business owners, and ecommerce vendors by optimizing their accounting, bookkeeping, and company registration processes. The platform provides specialized accounting services specifically designed for small enterprises, making complex tasks like tax submissions, invoicing, bookkeeping, and VAT reporting more manageable. By incorporating tools that allow for real-time financial data analysis, Osome enables users to effortlessly monitor their expenses, sales, and cash flow. This makes it especially advantageous for solopreneurs and ecommerce businesses, as it offers customized solutions for handling sales across various platforms and addressing international VAT challenges. Furthermore, Osome's dedicated team of accountants actively supports clients in making informed financial choices, ensuring they meet deadlines, manage payments effectively, and encourage business growth. Additionally, the platform’s user-friendly software is crafted to enhance accessibility, allowing users to manage all crucial financial activities conveniently within a single interface. In summary, Osome not only simplifies essential tasks but also empowers users to focus on expanding their businesses while maintaining financial health.

VNPAY stands out as a premier payment technology platform in Vietnam, delivering a comprehensive array of digital payment solutions designed for both consumers and businesses. The platform facilitates secure and easy transactions through multiple channels, such as mobile payments, QR codes, and online banking. Serving a variety of sectors like retail, ecommerce, and hospitality, VNPAY allows users to seamlessly pay for goods and services, settle bills, and transfer money using their smartphones or other devices. Moreover, it equips businesses with essential tools for payment acceptance, system integration, and promotional features that enhance customer interaction. With a strong focus on security, VNPAY employs advanced encryption and authentication technologies to safeguard financial transactions. It also accommodates a diverse set of payment methods, including credit and debit cards, bank accounts, and mobile wallets, ensuring a wide reach among users. As a result, VNPAY not only simplifies the payment process but also fosters a more inclusive financial ecosystem in the region.

FlowSecure stands out as a robust platform for data security and compliance, aimed at assisting organizations in safeguarding their sensitive information, adhering to regulatory standards, and efficiently managing data governance. Addressing contemporary security threats, FlowSecure empowers businesses to oversee, regulate, and protect data flows within both cloud and on-premises settings. The platform provides sophisticated tools for data classification, continuous monitoring, and access management, allowing organizations to gain complete insight into the locations and usage of their data. By utilizing FlowSecure, companies can identify unauthorized access, avert data breaches, and maintain compliance with various regulations such as GDPR, CCPA, and HIPAA. Featuring user-friendly dashboards and automated notifications, security teams can swiftly pinpoint vulnerabilities and act promptly against potential threats. Furthermore, its adaptable policy framework enables businesses to implement governance strategies that closely align with their unique needs, ensuring a tailored approach to data protection. This comprehensive solution not only enhances security but also promotes a culture of compliance within organizations.

FinChat.io serves as a comprehensive investment research platform that integrates high-quality financial data, advanced analytics, and conversational AI technology. It provides access to up to two decades of financial data on more than 100,000 global stocks, featuring exhaustive income statements, balance sheets, cash flow statements, and vital company-specific key performance indicators (KPIs). Notably, FinChat's distinctive Segment & KPI data library encompasses over 2,000 global stocks, offering insights into detailed metrics such as Netflix's total paying subscribers, Starbucks' same-store sales increases, and Amazon's revenue from cloud services. The platform's robust charting tools empower users to perform direct comparisons between companies, utilizing over 10,000 metrics to analyze both standard financial indicators like revenue and earnings per share (EPS) and specific company metrics. Additionally, FinChat includes the FinChat Copilot, a sophisticated conversational AI assistant designed to address intricate financial inquiries, with capabilities that include summarizing earnings calls and evaluating stock performance, thus enhancing the overall investment research experience. This integration of technology and data not only streamlines the analysis process but also democratizes access to high-level financial insights for all users.

Frost Bank delivers a wide range of business banking solutions specifically designed to cater to the diverse requirements of Texas-based enterprises. Among their offerings are several checking account types, including Frost Business Checking, which allows for 200 non-electronic items and provides unlimited electronic deposits and withdrawals without any fees, as well as $5,000 in cash processing each month at no extra cost. For businesses that handle greater transaction volumes, the Frost Business Checking Plus account includes 500 non-electronic items and $20,000 in cash processing monthly, along with valuable features such as complimentary cashier’s checks, money orders, stop payments, and three free outgoing wires. Additionally, Frost Bank offers business savings accounts, various loan and financing alternatives, credit cards, merchant services, and investment options to support growth. Their online platform, Frost Connect, empowers businesses to efficiently manage their account activities, enabling informed financial decision-making and the flexibility to transfer funds as needed. This comprehensive approach ensures that businesses have the tools they need to thrive in a competitive environment.

ReconXi is an innovative financial reconciliation tool driven by artificial intelligence, aimed at automating the transaction matching process to reduce labor and minimize errors. Users have the ability to upload their bank statements and company ledgers in CSV format, allowing the AI to efficiently match records while providing straightforward indicators for both matched and unmatched transactions. This tool serves a wide array of users, from startups and small to medium-sized enterprises (SMEs) to financial professionals, larger corporations, educational institutions, and freelancers, delivering customized solutions that enhance financial workflows. By utilizing ReconXi, organizations can achieve precise financial documentation, lessen manual tasks, and concentrate on their primary objectives, all while avoiding the complications associated with traditional reconciliation methods. Ultimately, this leads to improved efficiency and accuracy in financial management.

Kudos is a free AI-powered tool that helps you maximize credit card rewards, uncover hidden savings, and eliminate wasteful spending--automatically. It is your personal financial assistant, analyzing all your spending to make sure you use the right card for each purchase, track and redeem any unused card benefits, and avoid unnecessary charges. Kudos Insights flags missed rewards and suggests when to downgrade your cards. It also compares auto insurance quotes and finds savings. Kudos uses zero-knowledge cryptography to protect your data and connects securely through Plaid. It also helps you earn more rewards by using its browser extension. All of this works in the background, so you can save more money.

Column is a nationally chartered bank specifically designed for developers and builders looking to create cutting-edge financial products. By developing its own core banking system, ledger, and data architecture, Column removes the reliance on traditional middleware, allowing developers to interact directly with the U.S. banking framework. This innovative strategy enables smooth integration with the Federal Reserve, making processes like money transfers, account setups, and card program management remarkably efficient. Among its primary services are ACH origination, wire transfers through FedWire, real-time book transfers, and the capability to open FDIC-insured bank accounts via a straightforward API. Moreover, Column empowers the creation of tailored card programs by providing unique Bank Identification Numbers (BINs) and ensuring compatibility with leading networks and issuer processors. In addition to these services, Column also offers a range of lending products, including loan origination, debt financing, and loan purchase initiatives, further assisting companies in expanding their lending capabilities. With its comprehensive suite of offerings, Column stands out as a valuable partner for those in the financial technology sector.

Flexprice is an open-source platform tailored for developers that streamlines the processes of metering, pricing, and invoicing for SaaS and AI offerings. This platform empowers teams to create pricing structures that are based on usage, credits, or a combination of both, providing extensive control over their models. With its real-time usage metering capabilities, Flexprice allows users to specify detailed events such as API calls, compute time, or unique actions, ensuring reliable tracking even as demands scale. It accommodates various financial structures, including prepaid and promotional credits, automatic top-ups, and expiration policies, all of which can be configured easily without the need for complex logic. Flexprice's adaptable pricing engine facilitates the creation and modification of seat-based, usage-based, or hybrid pricing plans while allowing for customer-specific overrides and adjustments over time without necessitating additional engineering work. Additionally, the platform includes integrated feature management tools that enable the definition of Boolean, metered, and configuration features for each plan and customer, ensuring that limits are enforced directly within the backend system. Finally, Flexprice produces precise invoices based on real-time data from usage, subscriptions, or credits, ensuring transparency and accuracy in billing. This comprehensive approach not only simplifies pricing strategies but also enhances overall customer satisfaction.

Simplicity should not be complicated. Medius makes AP autonomic--using intelligent technology to reimagine the way invoices flow through your business. This process doesn't require you to touch it and gets smarter with each step. The Medius Accounts payable suite automates the entire source-to pay process. Automate and simplify your entire AP process with the Medius Accounts Payable suite. This includes manual invoice matching, keying, matching, processing, and paper removal. You will always have complete visibility of your invoices, spend, and cash flow so you can close the books on schedule. Improve the payment process within your company to reduce complexity, reduce fraud, and save money. Medius Pay automates the process of paying suppliers. It eliminates manual processes like processing checks and encourages automated work. Give your procurement team the tools they need for eliminating maverick spending.

Enhance your accounting and bookkeeping efficiency with Crunched, a cloud-based solution designed for small businesses. Crunched simplifies the management of bookkeeping tasks, including invoicing, payment collection, and additional financial activities. Users can conveniently send quotes and invoices to customers via email for services rendered. Additionally, Crunched Processing enables users to enroll customers for secure online payments using credit cards. Furthermore, the platform allows users to invite their accounting teams, granting them access to edit the account and post directly into the ledger, streamlining collaboration and financial management. This comprehensive tool not only saves time but also ensures accuracy in financial reporting.

Enhance the management of your pricing data and boost profitability at every phase of your business's pricing cycle with Sposea! By fusing scientific methods, advanced algorithms, machine learning, and industry best practices, Sposea grants comprehensive control over the pricing process throughout the enterprise. From managing pricing data to increasing profits aligned with geographical objectives, Sposea's exceptional pricing optimization engine empowers users to refine their pricing strategies with complete transparency and governance. The platform offers customer configuration, quotation management, and simulation tools that provide direct access to SAP for managing sales agreements and contracts. Furthermore, it can be tailored to fit the specific sales processes and governance frameworks of your organization. With SAP's integrated Price Management and simulation tools, making efficient, manageable changes to price lists and conditions in SAP becomes straightforward, eliminating the need for a costly and complicated data layer. This streamlined approach not only saves time but also enhances overall pricing accuracy and responsiveness.

The iCatalog has been meticulously crafted to cater specifically to the government’s procurement processes for recurring multiple items. This innovative system features advanced customizations tailored to the unique requirements of governmental purchasing, including complex multi-tier workflow approvals, pre-funding encumbrance, and meticulous tracking of line item expenses. Built upon a modular framework, the iCatalog leverages proven e-commerce strategies and principles, emphasizing key characteristics such as flexibility, ease of customization, rapid deployment, scalability, and paramount security. In contrast to many solutions available on the market today, users can effortlessly search for products, add them to a “shopping cart,” allocate them to one or several vendors, and convert their selections into purchase orders in just a few straightforward steps. This Software as a Service (SaaS) platform utilizes an internet-based electronic catalog that encompasses both hosted and remotely accessible items. Furthermore, the iCatalog supports an unlimited number of accounts, users, clients, and transaction values, making it an exceptionally versatile tool for government procurement. Its design reflects a commitment to enhancing efficiency and streamlining the purchasing experience for all users involved.

SutiExpense, developed by SutiSoft, is a cloud-based tool for managing expenses that assists organizations in monitoring expenditures, booking travel online, implementing spending policies, overseeing approval processes, capturing receipts, and assigning expenses to specific projects. With a highly customizable design and an easy-to-navigate interface, SutiExpense caters to the distinct reporting requirements of various businesses. Additionally, the platform allows users to conveniently create, submit, or approve expense reports via dedicated applications for both Android and iOS devices. Key functionalities include support for VAT, GST, and HST tax regulations, cost allocation across projects, clients, and time, currency conversion, receipt matching, integration with accounting systems for seamless export, and the ability to import credit card statements. This comprehensive solution not only enhances financial oversight but also streamlines the overall expense management process for organizations of all sizes.

Effortlessly handle all your accounts payable approvals, vendor management, and processing with Ariett Travel & Xpense. This intelligent cloud-enabled application for travel and expense reporting empowers users to access, submit, and authorize travel requests, pre-expense submissions, digital receipts, and expense reports, among other features. Utilizing Ariett Travel & Xpense enables you to effectively manage allowances and expense policies tailored to specific business units, while also incorporating mileage calculations and rates for both OCONUS and CONUS travel, whether inside or outside the United States. By choosing Ariett, organizations can streamline their financial operations and enhance overall efficiency in their travel management processes.

Spendwise provides a comprehensive range of solutions aimed at enhancing the efficiency of back office operations for businesses. The platform includes features such as inventory management, purchase order processing, as well as accounting and financial oversight. Our goal is to streamline organizational spending by equipping businesses with tools that promote transparency and ease of management. We take pride in our achievements to date and are excited about the ongoing enhancements and expansions of our offerings that will better serve our clients. As we continue to evolve, we remain committed to meeting the changing needs of our users.

Our advanced financial platform empowers users to move beyond the constraints of traditional spreadsheets and outdated software. It integrates financial consolidation, planning, reporting, and analysis within a cohesive and adaptable system. Tackle the intricacies of financial closure, consolidation, planning, reporting, and analysis with ease. OneStream adheres to corporate standards while also addressing the specific planning and reporting needs of various business sectors, all within a single, comprehensive application. It allows teams to leverage reliable financial insights from extensive operational data, enabling them to identify patterns and financial indicators that facilitate swift, informed decision-making. Additionally, OneStream accelerates your path to realizing value by incorporating a deep understanding of accounts, currencies, ownership, and intercompany transactions. Transition from numerous outdated systems or cloud-based point solutions to a singular, streamlined application that enhances efficiency. By doing so, organizations can significantly improve their financial operations and strategic initiatives.

Connect users across all levels, from front-line employees to executives, with our customizable solutions designed with industry best practices and enhanced by AI, analytics, and mobile technology to swiftly boost performance throughout your digital transformation journey. Our offerings are not only proven and adaptable but also ready to be implemented in under three months, developed collaboratively with functional leaders like yourself. Experience an unparalleled user journey through the only fully integrated digital platform dedicated to EHS, Sustainability, and ESG Reporting, while ensuring seamless integration with your existing enterprise systems. Benefit from ready-to-use, best-practice workflows along with a version-free platform featuring rapid-launch capabilities, powerful pre-built configurations, and options for tailored extensions. Leverage the industry's leading integrated Mobile and Analytics platform to engage, communicate, and elevate the performance of key stakeholders effectively. This comprehensive suite is designed to meet the evolving needs of organizations as they navigate their transformation.

FlexRFP is an advanced eSourcing software designed specifically for medium to large enterprises, emerging from extensive practical experience in the field. Its user-friendly setup allows organizations to easily integrate the platform, enhancing their procurement processes while reducing costs and improving the quality and conditions of their transactions. Additionally, FlexRFP includes a variety of tools for project management, spend analysis, supplier oversight, contract management, and mechanisms for addressing supplier corrective actions, ensuring a comprehensive approach to procurement efficiency. This robust software not only streamlines operational workflows but also empowers businesses to make informed decisions in their purchasing strategies.

Transition away from traditional spreadsheets and adopt the superior, top-tier integrated enterprise planning solutions offered by Jedox. These solutions from Jedox amalgamate enterprise planning, data analytics, and reporting functionalities, empowering organizations to enhance teamwork, generate precise forecasts and analytics, and achieve improved visibility and transparency in processes. Furthermore, Jedox can be accessed on any device and features seamless integration capabilities, making it a versatile choice for businesses. This shift not only streamlines operations but also fosters a more collaborative work environment.

Arriet, a cloud-based platform hosted on Microsoft Azure, enables organizations to effectively manage their business expenditures. This sophisticated and integrated Purchase to Payment (P2P) solution provides businesses with essential tools for optimizing capital investments, overseeing vendor agreements, streamlining procurement processes, and automating both expense reporting and bill payments, all of which are crucial for enhancing operational efficiency and achieving cost savings. Tailored specifically for midmarket enterprises, Arriet stands out as a powerful ally in financial management. By leveraging Arriet, companies can gain better visibility and control over their spending, fostering smarter decision-making and strategic resource allocation.

SpendMap offers an affordable solution for purchasing and procurement that assists organizations in streamlining their buying procedures. This software is designed to help businesses transform manual procurement tasks into automated ones, manage corporate expenditures effectively, and enhance the transparency of their spending habits. With its user-friendly features, SpendMap empowers companies to optimize their purchasing processes while maintaining budgetary control.

Creative Technologies offers the El Dorado Utility Billing Software, a versatile and comprehensive solution that provides an extensive and precise billing system along with service order ticketing capabilities. This software comes in four distinct editions—Graduate, Professional, Executive, and Enterprise—and boasts a wide array of functionalities such as automated bill calculations, streamlined voice generation, customizable configurations, in-depth reporting, a unified data repository, efficient service order ticketing, and an integrated meter reading interface. Each version is designed to cater to different needs, ensuring that utilities can select the most appropriate option for their operations. With its diverse features, El Dorado aims to enhance the efficiency of utility management.

Quikwater is an accessible cloud-based utility billing software designed specifically for small to medium-sized municipal organizations. Developed by TAK Technology, this tool assists in managing water and sewer fees while offering a centralized database for municipalities to maintain records of all residents. Notable features encompass bar graphs, real-time bill calculations, the ability to reverse transactions, customizable billing formats, issuance of stop notices, mailing options, and additional functionalities to enhance user experience. Through its user-friendly interface, Quikwater streamlines the billing process, making it easier for municipal staff to oversee utility charges efficiently.

AMTdirect is widely recognized as the leading solution for lease administration and accounting, specifically tailored to ensure compliance with FASB 842. Aimed at portfolios with fifty or more locations, AMTdirect strives to resolve the everyday challenges encountered by professionals in corporate real estate. The platform enables users to manage a comprehensive inventory of their properties, locations, lease agreements, related expenses, revenues, and documents in a single, accessible interface. Furthermore, for lessee accounting, it facilitates compliance with ASC 842, IFRS 16, and GASB 87 for lease receivables that are connected to a head-lease payable, accommodating both third-party and intercompany subtenants. Additionally, the lease-level accounting feature provides a detailed audit trail for each lease, including all balance sheet calculations such as amortization, opening and closing liabilities, interest, and depreciation for each accounting period in accordance with the company's specific accounting calendar. This holistic approach not only simplifies lease management but also enhances transparency and accuracy in financial reporting.