Best Free Financial Planning Tools in 2026

Connects cash, revenue, and deals for smarter business moves

RunwayCal is a connected financial planning operating system for growing businesses. It brings cash, commitments, revenue, teams, budgets, deals, and scenarios into one financial picture so users can understand what's happening, what's coming, and how the business changes when they make their next move.

Official Ramp MCP server for spend management

Ramp MCP is the official Model Context Protocol server for Ramp, the corporate card and spend management platform. Rather than answering one question per API call, it runs a small extract and load step: the agent pulls a scoped slice of account data out of the Ramp developer API into an ephemeral in-memory database, then runs SQL against that copy. The design exists because finance questions are aggregations, and aggregating across a paginated API one page at a time is slow and lossy. The datasets it can load cover the operational core of a Ramp account: card transactions, reimbursements, bills and vendor records, spend limits and spend programs, and the users, departments, and locations that spend is attributed to. Reference data such as expense categories and currencies is available directly. Once loaded, the agent can group, filter, and join across those sets, so questions like spend by department over a period, vendors with recurring charges, or reimbursements outstanding by team are answered in a single pass. It is built for finance and operations teams that want ad hoc analysis without exporting to a spreadsheet, and for engineers building agents on top of company spend data. Access is governed by the scopes on the Ramp developer credentials used, and read-only scopes are the normal configuration, since the value here is analysis rather than moving money.

Track all your subscriptions and see what they really cost daily, monthly, yearly.

Subscrr is a subscription tracking app for iPhone and Apple Watch that helps you monitor all your recurring payments in one place. It automatically calculates totals per day, month, and year, shows upcoming charges in order, and sends reminders a day before each payment. The app offers a unique screenshot import feature that reads subscription names, prices, and dates from your Apple ID subscriptions page, eliminating manual entry. With Subscrr AI, you can ask about duplicate subscriptions, overpriced plans, or price hikes and get actionable savings suggestions. The Financial Plan feature lets you input income and expenses to map your year month by month, flag tight months, and test purchases before committing. AI Spend scans receipts to extract and categorize expenses without storing images. Subscrr is designed for privacy: all data lives in your iCloud, never on the company's servers, and there are no ads or data sales. The free tier supports up to six subscriptions, while Premium unlocks unlimited tracking, AI features, widgets, and custom app icons.

Manage cap tables, model scenarios and track missing diligence documents

Diligence Ready combines cap table management, scenario modeling, financial reporting, board packages and a diligence data room. It links ownership records to supporting agreements and helps teams track missing diligence documents. Files stay in the company's own Google Drive or OneDrive.

Run your AI portfolio on numbers your CFO will accept

Roiva is AI portfolio management software that tracks every AI initiative's budget, approvals, cost and ROI. It reads AI cost from Anthropic, OpenAI, Google Gemini and Microsoft 365 Copilot, and from QuickBooks, Xero, NetSuite, Brex and Ramp, and books it to the initiative it belongs to. Value comes from systems such as HubSpot and Salesforce, and is reported as cash and as freed capacity, never added together. Each call to scale, fix or cut an initiative is recorded with the figures behind it.