Best Free Spend Management Software of 2025

Wallester Business offers free VISA cards for business expenses. It is a B2B product for companies from the US and Europe 💚 We offer the biggest free package – 300 virtual cards with no fees 💚 Special features for media buying, dropshipping, reselling, or handling lots of travel expenses or paying freelancers 💚 Fast onboarding, easy use, and integration with other software

Transform your business with Tipalti’s comprehensive finance automation solution. Streamline your accounts payables, accelerate global payouts, simplify procurement processes, and optimize employee expenses, all through one integrated platform. With Tipalti’s technology, you'll improve operational efficiency, reduce costs, increase compliance, and gain greater visibility & control over your finances. Experience the power of automation and take your business to the next level. Includes extensive integrations with ERP and accounting platforms, including NetSuite, Sage Intacct, Xero, Microsoft soltuions and Quickbooks.

Emburse is a collection of some of the most trusted and powerful financial automation solutions in the world. Emburse Abacus is part of our product portfolio. It promises to humanize work while providing expense and corporate card solutions that are smaller in size. Real time expense reporting. Abacus makes it easy to automate your expenses, reconcile corporate credit cards and implement your expense policy. Accurate, current information allows you to make confident decisions when appraising expenses or analyzing company spending, budgets, return on investment, and other related matters. Spend less time on expenses that are not allowed. This will increase your efficiency. Abacus can separate expenses that are not in compliance with policy, close to budget, contain errors, and/or are potentially fraudulent. Abacus creates expense reports using reliable data sources like receipts and card transactions in order to ensure accurate records.

Financial software and services that will help you grow. Brex allows you to send ACH and wires free of charge anywhere in the world, earn money-saving rewards and easily track expenses. Designed for people who do things differently. You can scale faster by combining your deposit, spend, and controls into one account. This is the power of all in one finance. All expenses are tracked, from employee purchases to accounting to paying vendors. Send us your receipts by email or text. We'll match them with the correct expenses. To automate reconciliation, sync expense data across multiple systems. To find cost-saving opportunities, you can run custom spend reports. All in one place: Issue cards, search transactions and approve or follow-up. You can create unique cards with customized limits for each subscription, vendor, or employee. All this is free. You can set up custom limits and give the option for users to choose how they want to spend their money, such as on training or WFH snacks.

The only corporate card that can strengthen your finances. You can replace expense reports with unlimited virtual or physical cards. Automate your accounting and get 1.5% cash back on all your expenses. Get a complete overview of your company's spending. Zoom in on a single transaction or user right away. Forecast your spend by department or merchant, employee, or company. Ramp's comprehensive expense management solution saves finance teams 5 days per month by replacing inefficient expense reporting. No more chasing people down. You will be notified immediately after you are charged. Ramp automatically collects, matches, and reminds you of every transaction that requires one. You can send them via SMS, email, or in bulk. Integrate with top accounting services. Easy, centralized accounting with one-click sync and export to hundreds of accounting providers. Integrate with the best accounting providers.

Divvy's seamless expense management software is combined with business cards, so you don't have to process another expense report. Divvy allows you to leverage faster expense reporting, enforceable spending budgets, and a single platform that provides real-time visibility into all your spend. Are you ready to streamline and gain more control over your spend management? Get Divvy today and empower your team to save time (including your own). Divvy gives their customers a strong credit line that makes it virtually impossible to go over budget. Divvy makes it easy to avoid costly expense resorts and simplifies the AP process - all for no cost.

Simplify the entire purchasing process with Purchasing Software. It allows you to Control, Request Approval, Purchase, Pay and Reconcile. Take control of your entire purchasing process. Take control of your entire purchasing process and supplier management. Create a purchase order to begin the purchasing process. ControlHub is the best procurement software for your team to track and generate POs all in one place. No Spreadsheets No emails. No bottlenecks.

Fyle is an innovative expense management tool that was created for modern finance teams. Fyle extracts data directly from receipts and attaches the invoice to ensure constant compliance. This is all done in real-time. What else can Fyle do for you? - Easy expense tracking: Submit expenses from your everyday apps such as Slack, Teams, G Suite, Outlook, and many others! - Automatic corporate cards reconciliation: Reconcile any card transaction, expense or receipt in an audit-ready manner without any manual intervention. - Predictive analytics: The expense is assigned a risk score automatically using predictive analytics. This allows fraud to be caught before it is committed. Fyle's powerful analytics feature allows you to keep track of where your money is going with Spend Analytics. Fyle can automate complex workflows - depending on the employee, expense, and policy.

Yorba helps you manage and find your online accounts. It also tracks your mailing lists and analyzes your paid subscriptions. Yorba will help you receive fewer spam emails, save money on subscriptions that aren't used, and protect your personal information from being sold, shared, or stolen. Reduce your digital footprint, one step at a tim. Yorba, to our team is more than a platform. It's a goal. We believe that it's time for a rethinking and resetting of how the internet works. We are proud to be Public Benefit Corporations, which are legally bound to put user privacy and wellbeing above profits. Yorba only keeps the information we need to provide services and removes it as soon as we can. Join us in our mission to make the internet less annoying.

PEX is the only vertically-integrated full-stack payment platform that's built from the ground up to streamline spending and expense management, grant program funds disbursement, and rewards card management. PEX is a corporate card alternative that offers physical, digital, or virtual prepaid cards. All connected via an intuitive web, mobile, or API-driven platform. The leading platform for business prepaid cards makes it easier to manage expenses. You can distribute cards, manage to spend and eliminate archaic reimbursements. Real-time reporting is available. This innovative solution is ideal for all fund disbursement programs. It can be used by a non-profit to distribute grant funds via reloadable card or a business to create a rewards program. PEX provides physical, digital, and virtual cards for customer and employee rewards, incentives to drive loyalty and a platform to manage distribution and gather insights.

CabinetM is a Marketing Technology Management Platform. It makes it easy for enterprise marketers to manage their technology and find the right technology. CabinetM allows marketing teams to: Create marketing technology stacks that visualize, track, manage, and manage the technology used throughout the company; annotate each stacked with function, performance and integration information; track all details of vendor contracts; access a database with more than 10,000 products to help them find new products to engage, retain, and acquire customers; generate reports to keep everyone updated; and collaborate on technology strategy. CabinetM has many benefits: Customers will have a longer life expectancy due to better stack performance and better technology management; productivity gains due to central oversight of technology; compliance mitigation; and increased security and compliance exposure.

Qvalia allows finance teams to automate their processes and have complete control over transactions and financial data. We improve accounts receivable and accounts payable, enable real-time analytics and line-item accounting automation, and we improve accounts receivable and accounts payable. Integration is simple and the pricing is transaction-based. You can cancel after a month. Qvalia Autobilling allows you to manage receivable accounts. It includes a B2B checkout widget that can be used for e-commerce, automated invoicing, reconciliation, reminders and much more. All transactions can be managed quickly from one place. You can send and receive e invoices free of charge using the global e invoicing network PEPPOL. A solution that automates subscriptions and recurring billing simplifies and automates order to cash and B2B electronic commerce sales. With PDF Converter, you can kickstart the digital transformation in your finance processes and get 100% electronic supplier invoices.

Builders should build. Quolum can take care of the rest. Quolum can do everything, from creating the best commercials to storing all your documents in one place. We store all your contracts together with the structured meta data such as vendor, renewal dates and cancellation window. All your SaaS can be purchased hassle-free. Modern software supports you in managing recurring expenses, cancelling product trials, and controlling spending. All invoices from vendors are automatically merged into one bill. We are loved by accountants for a reason. One dashboard for SaaS, including transactions details, purchases, and invoices. All SaaS purchases are covered by one bill. Invoices are automatically aggregated from vendors. A calendar of renewals, payments and payments helps you manage your cash flow.

Shopify is about to experience a revolution in digital ad spending management. Optily, the latest innovation in digital ad spending management for Shopify, instantly unifies your Facebook, Google Ads, Analytics and Shopify sales data. Sign up today for our early access program to receive a free ad strategy consultation. Shopify merchants can sign up now to receive some amazing perks, including a free ad strategy consultation. Shopify and the largest data platforms are combined to create the only ad spending solution. Optily was designed for Shopify store owners. Optily allows you to manage your Meta for Business advertising budgets across all ad property, including Facebook, Instagram Messenger, Messenger and Audience Network. Optily uses Google Analytics to provide better campaign budget recommendations and the ability set GA-based goals.

Rho's automated cash management platform combines the tools and support you require to manage your business finances. Flex your credit terms to get the maximum credit limit. You can also assign unlimited virtual and physical cards to your cost centers and team members. The Rho Treasury Management account allows you to securely manage deposits and payments. It also offers up to $75M FDIC insurance. Live AP allows you to reconcile quickly with smart approvals, automated invoice flows, and real-time expense reports. Stop paying down your card daily. Rho's unique underwriting allows you to get a higher, more scalable credit limit that will support your spending and grow with your business. You can tailor credit terms to suit your needs. You can choose a one-day credit card to earn up to 1.75% cashback, or you can flex up until 60 days to pay. Rho integrates seamlessly with your accounting software to automate everyday tasks, such as data entry and invoice approvals.

Across businesses effectively managed accounts payable processes are essential for optimising cash flows and achieving sustainable business growth. Accounts Payable (AP) processes are traditionally hampered by manually intensive, complex and poorly controlled processes making it hard to manage business payments. Zoyer a SaaS-based, data-driven business spend management platform with embedded finance capabilities, provides businesses complete control over business payments. The full-stack platform automates the complete payment cycle from supplier onboarding, automated invoice receipt, routing, approval, three-way reconciliation and payment execution. Embedded multi-rail payment options allow supplier payments to be securely processed from the Zoyer platform, provide greater control over the flow of funds and ease of reconciliation by ensuring invoice and payments data are in sync. Zoyer uniquely embeds Zaggle branded card products such as founderscard and corporate credit cards directly into accounts payable workflows. - Embedded credit cards to finance payables - Invoice processing that is completely automated - Multiple payment modes - Supplier portal and mobile application - Rich dashboards

We are a business expense software package that is linked to prepaid Mastercard®, which allows for hassle-free management company expenses. We will revolutionize finance in your company by increasing visibility and control of expenditure, eliminating manual expense reports, and eliminating administrative complexity. Your team can buy on the job. You can control who spends what and how. No more lost receipts and staff reimbursements. Accepted worldwide by more than 30,000,000 merchants, wherever Mastercard®. Our prepaid Mastercard® is compatible with in-store payments, contactless transactions and chip and pin as well as online purchases. Prepaid cards function in the same way as a debit or credit card. To make a transaction, you only need to have enough funds on your account. You can limit the card's use and monitor spending. Users receive a push notification once a transaction has been completed. This allows them to capture their receipt.

Small and medium-sized businesses deserve more financial support and attention. We are committed to helping small businesses and their communities achieve greater financial success. We value our relationships. So does making your life easier. Our finance solutions are designed for all types of businesses, regardless of size and across all industries. You can apply digitally for loans in minutes and receive approval within one day. Our next-generation finance tools, which include cards, expense management, money transfers, and accounting, allow you to make significant time and money savings. You can get instant working capital loans to help you grow your business and manage your operational expenses. All company expenses can be tracked and managed in real-time on the move. Unlimited virtual corporate cards can be created for free. To use in-store, add to your Google Pay wallet. Get cashback for all card purchases Receive payment alerts via your mobile

Sparx's intelligence platform can help you save up to 60%. FinOps can be elevated with unmatched savings and transparency, as well as intelligent business decisions. Sparx customers can save up to 60% on their recurring costs. Know what is happening in real-time across your SaaS and cloud, as well as insurance. Sparx's platform can reduce your business risk, and unlock discounted business insurance from 150 top carriers. You can better plan your renewals and purchases with a 360-degree overview of your stack. You can view your savings potential in real time by logging into your account. Our platform targets the recurring expenses that cause the most financial waste. Track SaaS usage by employee and app, identify shadow IT, and reduce software sprawl in just 3 minutes. Designed for teams that use Google Workspace, Microsoft Azure or Okta SSO. Our AI engine will sell instances on your behalf in order to optimize your AWS spending. No need to worry about complicated contracts or engineering.

Pluto can help your business save money and time, whether you choose to start with just one module or the entire platform. Get smart, virtual and physical cards for all your team members with automated budget control, receipt policy enforcement and compliance management. Maintaining a central location for all your invoices, approvals and payments will improve your vendor relationships and reduce duplication of payments. Pluto corporate cards or one-click wire transfers to 140+ currencies are both options for making local or international payments. Digitize and eliminate the petty cash vouchers. Pluto allows you to manage your employees' cash on hand and receipts. Do not let cash leakages affect your bottom line. Allow your employees to submit reimbursements requests easily. Custom approval workflows will help you get the right approvals. Instantly reimburse employees and exceed your finance team’s KPIs. Send automated financial reports weekly to your CFO and other executive.

Save time and money by ensuring that your vendors renew their contracts. No upsells. Enjoy all features. Our renewal experts will help you save money on your software renewals by offering free calls, Slack messages, and emails. Understanding "best in market pricing" will help you avoid overpaying your vendors. Our experts can review your contracts, provide advice and negotiation techniques to help you get the best deal. Direct integrations can be done in less than 30 min. All vendor information is automatically populated. Renewal reminders are sent by email and Slack. Cost saving insights such as application duplication and underutilization, or speak directly with one of our renewal experts to get free benchmarking insights and negotiating tactics. SpendHound's renewal tracker is the most accurate on the market, thanks to a combination software, human analysis and direct integrations.

Industry leading, customizable Financial and Spend Management solutions to fit every budget from our No Cost turnkey marketplace with Amazon like shopping experience, to our robust procurement-to-payment solutions, SpendManagerPro™ can grow with you as your needs grow while saving you money each step of the way. SpendManagerPro™, a solution designed specifically for the Educational Sector, has been developed over a decade by working with stakeholders to create the most innovative and best solutions to save time, money, improve compliance, and simplify the user interface. Our teams have over 35 years experience and developed a wide range of solutions that are centered on efficiency, transparency, accountability, compliance, and flexibility. CapitalSMP™, a software that helps manage budgets, contracts and projects, can help mitigate the risk of budgetary issues or cost overruns.

SaaS growth metrics will help you grow faster and reach your goals. They will also keep your business humming. All key subscription metrics, cashflow management, and financial forecasts are available in one platform. Calqulate connects all your data sources and gives you all the metrics and KPIs that are important to subscription businesses. MRR, LTV-to-CAC ratio, retention, and many other metrics. Know what's happening (or not). But most importantly, up! With your business. Calqulate's automated cashflow forecasting tracks SaaS subscription payments, employee expenses, loans, and equity. Watch your business grow by understanding your cash runway. Finance your growth goals and plan ahead. Forecast your recurring revenues, expenses, and cash, and keep an eye out for future trends. It's okay to be a "know-it-all" in business.

Mesh Payments cardless solution allows you to have complete control and visibility over all your corporate payments from one platform. Mesh allows you to get real-time data and insights on your spending. It also automates receipt collection. This will ensure that your subscriptions, payments, and finances run smoothly. Mesh is simple to set up and free. No single corporate card dependency, no charges denied. You know exactly what subscriptions you are paying for, how much and when. Pre-payment approvals and virtual cards allow you to control who spends. Integrations that seamlessly match receipts and collect them automatically. Mesh makes sure subscription payments don't interfere with your business's ability to run it. It offers smart notifications and mission-critical subscription controls. Mesh on-demand payments are designed to empower distributed teams without compromising financial security or control. You have full control and all the management tools that you need to manage payments for your business.

Switching and add-ons are out of the question. From incorporation to the growth stage, we have you covered. You can submit your documents online in just 10 minutes from anywhere in the world. We'll take care everything else. Receive investor funds and immediately start operations with a borderless account for business. There are no monthly fees. Create professional-looking, tax-compliant invoices that match your brand. Customers can pay you easily because your payment details are included automatically. Get a bird's eye view of all unpaid and paid invoices. You can plan ahead by knowing when you are likely to get paid. Receive alerts as soon you get paid. Without being intrusive or awkward, remind customers about upcoming or past due payments. You can reduce payment delays without having to follow up. All incoming transfers that match are automatically synced and marked paid. Enjoy the power of an integrated financial stack.