Best Free Financial Planning Tools in 2026

Mercury is a banking service built for startups. Open an FDIC-insured business bank account online in minutes. No monthly fees, no minimum balance, and no hidden charges. Features include virtual cards, automated bookkeeping integrations, and team access. Treasury products help earn yield on your balance. Trusted by tens of thousands of startups. Banking that actually understands what startups need.

Wise moves money internationally with transparency. Multi-currency accounts and transfers—international finance without hidden fees. The fees are transparent. The rates are real. The experience is modern. Global businesses and individuals use Wise for transparent international payments.

Harness CCM is a cloud cost management platform that provides visibility and optimization for cloud spending. FinOps teams identify waste, set budgets, and automate cost governance across multi-cloud environments. The platform offers intelligent recommendations to reduce cloud bills.

Pulley manages equity for startups. Cap table management, 409A valuations, and equity planning—equity administration for growing companies. The cap table is accurate. The 409A integration helps. The modeling assists planning. Startups managing equity use Pulley for cap table and equity administration.

Ramp provides corporate cards with spend management. Expense tracking and controls built into cards—corporate spending that manages itself. The automation saves time. The controls prevent issues. The reporting is automatic. Companies wanting automated expense management use Ramp for intelligent corporate spend.

Expensify handles expense reports without the traditional pain. Scan receipts, categorize expenses, approve reimbursements—expense management that doesn't feel like punishment. SmartScan reads receipts automatically. Corporate cards integrate directly. The approval workflow is flexible. Companies tired of manual expense processes choose Expensify to make expense management less painful for everyone.

Divvy combines corporate cards with expense management software. Employees spend on Divvy cards, managers see transactions in real-time, and finance gets the controls they need. Budgets set spending limits. Approval workflows catch issues early. Integration with accounting eliminates manual reconciliation. Companies wanting expense management that works with spending rather than chasing receipts after choose Divvy for integrated card and expense.

Brex provides corporate cards and spend management designed for startups and tech companies. No personal guarantee required. Rewards earn on categories startups actually spend on. Controls prevent expense policy violations. The software handles expense management, bill pay, and travel booking. Real-time visibility shows where money goes. Integrations connect to accounting systems. Startups tired of traditional corporate cards with personal liability choose Brex for modern financial tools built for how they operate.

Infracost is a FinOps tool that integrates directly into engineering workflows (e.g., GitHub, GitLab, Azure DevOps) to provide pre-deployment cloud cost visibility. It allows engineers to see the cost impact of their infrastructure-as-code changes before they are deployed, preventing expensive mistakes and enabling proactive cost optimization. The tool automatically posts review comments with monthly cost estimates, FinOps policy violations, and tagging issues, along with fix recommendations. Infracost is designed for both FinOps and engineering teams. For FinOps, it offers cost prevention and governance at scale through pre-deployment visibility, cost guardrails, and automated policy enforcement. For engineering teams, it streamlines workflows by allowing them to address cost, policy, and tagging issues during code review, saving significant time compared to post-deployment remediation. Features like Infracost AutoFix can even generate pull requests with code fixes, further reducing coordination overhead and making developers more productive while enforcing best practices. Key capabilities include enterprise-wide FinOps governance with a library of best practices and custom policy definitions, proactive budget management with pre-deployment verification and automated approval workflows, and the ability to drive results with 'Campaigns' that prioritize policies and generate actionable fixes via pull requests. It supports various cloud providers and Infrastructure as Code (IaC) tools like Terraform.

Microsoft Excel is the world's most widely used spreadsheet application, part of Microsoft 365 (formerly Office 365). Excel offers powerful data analysis features including pivot tables, advanced formulas, charts, and macros (VBA). Used by businesses worldwide for financial modeling, data analysis, reporting, and automation. Excel's formula language and features have become the industry standard that competitors try to match. Available as desktop app, web app, and mobile app with real-time collaboration.

Relay offers online business banking services designed to provide small businesses with complete control and clarity over their cash flow. It enables users to manage earnings, spending, and savings effectively through features like multiple checking accounts, savings accounts with competitive APY, and various payment options including ACH, checks, and wires. The platform emphasizes eliminating hidden fees and minimums, making it suitable for businesses looking for transparent financial management. Beyond core banking, Relay integrates tools for bills and expenses management, invoicing, and accounting. It supports strategies like "Profit First" by allowing users to set up multiple accounts for different purposes. With options ranging from a free Starter plan for solopreneurs to paid plans for growing and larger teams, Relay provides scalable solutions including cash back on credit card spending, customizable cards with spend policies, bill approval workflows, and AI-powered automation for invoicing and insights. It aims to centralize banking, bills, expenses, and invoicing into one platform for streamlined operations.

Funding Goal is a calculator designed to help startups determine the precise amount of funding they need. It takes into account current cash balance, monthly burn rate, desired runway in months, and optional planned growth expenses. This tool is ideal for founders and entrepreneurs who are preparing to raise capital and want to present a well-researched funding request. The calculator provides a clear, data-driven approach to understanding financial requirements, helping startups avoid under or over-estimating their funding needs. By inputting key financial metrics, users can quickly generate a funding goal, enabling more strategic planning and confident discussions with potential investors.

Clockwork is an AI-native, Excel-free Financial Planning & Analysis (FP&A) platform designed to provide businesses with real-time financial insights and forecasting. It aims to replace traditional spreadsheet-based FP&A processes with an automated, AI-powered solution. The platform integrates directly with accounting software like QuickBooks and Xero, allowing users to start forecasting and managing cash flow in minutes without complex implementation or account mapping. Clockwork is built with ease of use and accuracy as core pillars, offering features like an AI FP&A analyst named Mira, smart alerts, and a real-time financial health score. The platform is suitable for both accounting firms looking to generate more revenue by reducing time spent on spreadsheets and small to medium-sized businesses (SMBs) needing quick and accurate financial projections and cash flow forecasting. Clockwork emphasizes its ability to provide a single source of truth for financials, enabling better conversations and financial decisions. It also highlights its SOC 2 Type II certification, ensuring high standards of data security, availability, processing integrity, confidentiality, and privacy for user financial data. Key benefits include instant understanding of financial performance, automatic breakdown of problem areas, flexible and automatically updating financial models, and immediate CFO-level customization for scenario planning. Clockwork aims to empower users to move fast, plan faster, and make data-driven decisions without the limitations and manual effort associated with spreadsheets.

Plaid connects applications to bank accounts. Financial data infrastructure—how apps access bank information securely. The connections are many. The data is useful. The integration is standard. Applications connecting to financial accounts use Plaid for bank data access.

Workday manages human resources and finance. Enterprise HR and financial management—cloud systems for large organizations. The enterprise features are complete. The implementation is significant. The platform is comprehensive. Large enterprises use Workday for comprehensive HR and finance management.