Best Financial Planning for Small Business 2026
Updated: February 2026
Affordable and easy-to-use financial planning tools perfect for small businesses and growing teams. We've curated 15 tools specifically suited for small business.
Key Takeaways
- Mercury is our #1 pick for financial planning for small business in 2026, scoring 88/100.
- We analyzed 15 financial planning for small business tools to create this ranking.
- 15 tools offer free plans, perfect for getting started.
- Average editorial score: 82/100 - high-quality category.
Why Small Business Need Specialized Financial Planning Tools
Affordable pricing
Easy to set up
Scales with your business
No enterprise complexity
15 Financial Planning Tools for Small Business
Infracost
Shift FinOps Left: Proactively find and fix cloud cost issues before deployment.
Freemium83/100
View Details Relay
Online business banking for clear cash flow, meticulous organization, and financial control.
Freemium80/100
View Details 
Funding Goal
Calculate your startup's funding needs based on cash, burn rate, and growth plans.
Free78/100
View Details 
Best Financial Planning for Other Use Cases
Frequently Asked Questions
What is the best financial planning tool for small business?
Based on our analysis, Mercury is the top choice for small business, with a score of 88/100. It offers affordable pricing and easy to set up.
Are there free financial planning tools for small business?
Yes! Mercury, Wise, Harness CCM offer free plans suitable for small business.