Best Finance Software 2025
Discover the best finance software and tools of 2025. We reviewed each for accounting, invoicing, expense tracking, and financial reporting. Compare the top finance platforms for businesses and professionals.
Best Finance Software Tools in 2025
- Stripe — Best Finance Software of 2025
- Gusto — Best Payroll & Benefits Platform
- FreshBooks — Best Cloud Accounting for Freelancers
- BambooHR — Best HR Management Software for SMBs
- Xero — Best Cloud Accounting for Small Businesses
- QuickBooks Online — Best Accounting Software for Small Businesses
Top-Rated Best Finance Software 2025
Payment processing platform for online businesses
Pros
- Developer-friendly APIs and docs remain best-in-class - Merchant Cost Consulting
- Supports 135+ currencies and multiple local payment methods out of the box - Stored Blog
- Built-in Radar fraud tools and climate-offset options add value beyond payments - Stored Blog
Cons
- Standard rates (2.9% + 30¢) are average—cheaper options exist for high-volume merchants - Merchant Cost Consulting
- Account holds and reserve requests can occur with fraud-prone verticals - Stored Blog
- Phone support limited to paid Premium tier; email/chat wait times reported - Merchant Cost Consulting
Key Features:
- Payment processing
- Subscription billing
- Fraud prevention
- Analytics
- Global payments
Platform for payroll, benefits, and HR for small businesses.
Pros
- Intuitive payroll runs with automated tax filings - Connecteam
- Mobile self-service app lets employees view paystubs and W-2s - Capterra
- Deep accounting sync with Xero & QuickBooks - Connecteam
Cons
- Per-employee pricing scales quickly for large headcounts - Connecteam
- International payroll limited to contractor payments only - Capterra
- Some users report slow support responses on peak days - Capterra
Key Features:
- Full-service payroll
- Employee benefits administration
- HR tools and compliance
- Time tracking
- Onboarding
Cloud accounting built for freelancers and small businesses
Pros
- Intuitive invoicing and time-tracking save hours each month - NerdWallet
- 24/7 support and simple UI praised by new users - Tech.co
- Low-tier plans undercut QuickBooks pricing - Tech.co
Cons
- Limited double-entry features versus Xero/QBO - NerdWallet
- Higher costs for extra users and advanced reports - Tech.co
- Inventory tracking still missing - Tech.co
Key Features:
- Invoicing
- Expense tracking
- Time tracking
- Projects
- Online payments
HR software for small and medium businesses to manage employee data, hiring, onboarding, and compensation.
Pros
- Clean employee database with self-service portal - Connecteam
- Built-in ATS and onboarding checklists streamline hiring - Connecteam
- Mobile app for PTO requests and org charts - Capterra
Cons
- No free plan; only a 7-day trial - Connecteam
- Quote-based pricing can be high for very small teams - Capterra
- Integrations require paid add-ons and can feel limited - Capterra
Key Features:
- Personnel data management
- Applicant tracking system (ATS)
- Onboarding & offboarding
- Performance management
- Time-off tracking
Online accounting software for small businesses.
Pros
- Unlimited users on every plan - NerdWallet
- Hundreds of app integrations, including native Gusto payroll sync - Connecteam
- Clean interface and quick bank-feed reconciliation - NerdWallet
- Lower entry price than QuickBooks for comparable features - Connecteam
Cons
- Starter plan caps bills and invoices - NerdWallet
- No inbound phone support—tickets or chat only - NerdWallet
- New invoicing UI draws mixed reactions from long-time users - Connecteam
Key Features:
- Bank reconciliation
- Invoicing
- Expense management
- Payroll (via Gusto integration or specific plans)
- Project tracking
Accounting software for small businesses to manage income, expenses, and keep track of financial health.
Pros
- Feature-rich invoicing, expense capture and tax categorization - NerdWallet
- Massive ecosystem of 750+ integrations and accountant familiarity - Business.com
- Robust mobile apps with receipt-scan and mileage tracking - NerdWallet
Cons
- Performance hiccups and app lag reported by users in 2025 - NerdWallet
- Each additional user or payroll add-on raises the monthly bill quickly - Business.com
- Learning curve for double-entry concepts if migrating from spreadsheets - Business.com
Key Features:
- Expense tracking
- Invoicing
- Bank reconciliation
- Reporting
- Payroll (add-on)
Why These Tools Made the Cut
User Satisfaction
Each tool has received consistently high ratings and positive reviews from real users.
Feature Set
We evaluate the depth and breadth of features, ensuring they meet modern business needs.
Value for Money
Tools are assessed based on their pricing tiers and the value they deliver at each level.
Innovation
We look for tools that are pushing boundaries and introducing new capabilities.
Frequently Asked Questions
How do you select the best software tools?
We evaluate tools based on user reviews, feature sets, pricing, ease of use, and real-world performance. Our team of experts tests each tool thoroughly and considers feedback from thousands of users.
Are these tools suitable for small businesses?
Yes, we include tools that work well for businesses of all sizes. Each review includes information about pricing tiers and scalability to help you find the right fit for your business needs.
How often is this list updated?
We update our top software list quarterly to ensure we're recommending the most current and effective tools. We also monitor major updates and changes to keep our recommendations relevant.
Why are your reviews so short?
Because your time is valuable. No one wants to scroll through a novel just to figure out if a tool is worth it. We give you the key facts fast—then the choice is yours.
Can I trust a short review?
Absolutely. Every word in our reviews is there for a reason. We test the tools, cut the fluff, and give you clear pros, cons, and what matters most so you can decide quickly and confidently.
How do you test the tools?
We test the tools ourselves by using them in real-world scenarios. We also look at user reviews, ratings, and feedback to get a comprehensive understanding of the tool.