Top 20 Accounting and Finance Tools for Startups in 2025
In 2025, startups face increasing complexity in managing their finances, from tracking expenses to generating financial forecasts.
The right accounting and finance tools can streamline operations, improve accuracy, and support growth.
Below is a curated list of the top 20 tools, complete with their features, pricing, and integration capabilities, along with links to their official websites.
The right accounting and finance tools can streamline operations, improve accuracy, and support growth.
Below is a curated list of the top 20 tools, complete with their features, pricing, and integration capabilities, along with links to their official websites.
1. QuickBooks Online
Features: Invoicing, expense tracking, payroll management, and financial reporting.
Pricing: Starts at $25/month.
Integration: Over 650 integrations, including Shopify, PayPal, and Gusto.
Use Case: Ideal for small to medium-sized startups needing a user-friendly, all-in-one accounting solution.
2. Xero
Features: Bank reconciliation, invoicing, expense tracking, and multi-currency support.
Pricing: Starts at $12/month.
Integration: Over 800 third-party apps, including Stripe, PayPal, and HubSpot.
Use Case: Perfect for startups with remote teams or international operations.
3. FreshBooks
Features: Invoicing, time tracking, expense management, and project collaboration.
Pricing: Starts at $15/month.
Integration: Integrates with tools like Stripe, Shopify, and Zendesk.
Use Case: Best for freelancers and service-based startups.
4. Wave
Features: Free invoicing, expense tracking, and receipt scanning.
Pricing: Free for core features; paid add-ons for payroll and payment processing.
Integration: Limited integrations but works with tools like PayPal and Etsy.
Use Case: Great for startups on a tight budget.
5. Zoho Books
Features: Invoicing, expense tracking, inventory management, and tax compliance.
Pricing: Starts at $15/month.
Integration: Seamless integration with Zoho Suite and third-party apps like PayPal and Stripe.
Use Case: Ideal for startups already using Zoho’s ecosystem.
6. NetSuite ERP
Features: Financial management, inventory tracking, and revenue recognition.
Pricing: Custom pricing based on business needs.
Integration: Integrates with CRM, e-commerce, and payroll tools.
Use Case: Best for mid-sized startups with complex financial needs.
7. Sage Business Cloud Accounting
Features: Invoicing, expense tracking, and cash flow management.
Pricing: Starts at $10/month.
Integration: Works with tools like PayPal, Stripe, and Microsoft Office 365.
Use Case: Suitable for startups needing a scalable, cloud-based solution.
8. Brex
Features: Expense management, corporate cards, and financial reporting.
Pricing: Free for basic features; premium plans start at $12/user/month.
Integration: Over 1,000 integrations, including QuickBooks and Xero.
Use Case: Ideal for startups needing integrated expense and cash flow management.
9. Expensify
Features: Expense tracking, receipt scanning, and automated reimbursement.
Pricing: Starts at $5/user/month.
Integration: Integrates with QuickBooks, Xero, and NetSuite.
Use Case: Perfect for startups with frequent business travel.
10. Gusto
Features: Payroll processing, benefits administration, and tax compliance.
Pricing: Starts at 40/month+40/month+6/employee.
Integration: Works with QuickBooks, Xero, and Slack.
Use Case: Best for startups needing a comprehensive payroll solution.
11. Float
Features: Cash flow forecasting, budgeting, and scenario planning.
Pricing: Starts at $59/month.
Integration: Integrates with QuickBooks, Xero, and FreeAgent.
Use Case: Ideal for startups needing advanced cash flow management.
12. Plaid
Features: Financial data connectivity, bank account verification, and transaction monitoring.
Pricing: Custom pricing based on usage.
Integration: Works with tools like Stripe, Venmo, and Coinbase.
Use Case: Best for fintech startups needing secure financial data access.
13. Stripe
Features: Payment processing, subscription billing, and financial reporting.
Pricing: 2.9% + $0.30 per transaction.
Integration: Over 450 integrations, including Shopify, Salesforce, and QuickBooks.
Use Case: Perfect for startups with subscription-based business models.
14. A2X
Features: E-commerce accounting, sales reconciliation, and inventory tracking.
Pricing: Starts at $19/month.
Integration: Works with Shopify, Amazon, and QuickBooks.
Use Case: Ideal for e-commerce startups.
15. Fathom
Features: Financial reporting, KPI tracking, and cash flow analysis.
Pricing: Starts at $44/month.
Integration: Integrates with QuickBooks and Xero.
Use Case: Best for startups needing detailed financial insights.
16. Bench
Features: Bookkeeping, financial reporting, and tax preparation.
Pricing: Starts at $299/month.
Integration: Works with tools like QuickBooks and Gusto.
Use Case: Ideal for startups outsourcing their bookkeeping.
17. AvidXchange
Features: Accounts payable automation, invoice processing, and payment management.
Pricing: Custom pricing based on business needs.
Integration: Over 210 integrations, including NetSuite and QuickBooks.
Use Case: Best for startups needing streamlined AP processes.
18. PlanGuru
Features: Budgeting, forecasting, and financial planning.
Pricing: Starts at $99/month.
Integration: Works with QuickBooks and Excel.
Use Case: Ideal for startups needing advanced financial forecasting.
19. Kashoo
Features: Invoicing, expense tracking, and bank reconciliation.
Pricing: Starts at $20/month.
Integration: Integrates with tools like PayPal and Stripe.
Use Case: Best for small startups needing simple accounting software.
20. ZarMoney
Features: Invoicing, inventory management, and financial reporting.
Pricing: Starts at $15/month.
Integration: Works with tools like Shopify, Amazon, and QuickBooks.
Use Case: Ideal for startups needing robust inventory and accounting features.
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Conclusion
Choosing the right accounting and finance tools is crucial for startups to manage their finances effectively and scale efficiently.
Whether you need a free solution like Wave or a comprehensive platform like NetSuite, there’s a tool tailored to your startup’s needs.
Evaluate your requirements, budget, and integration needs to find the perfect fit.
Whether you need a free solution like Wave or a comprehensive platform like NetSuite, there’s a tool tailored to your startup’s needs.
Evaluate your requirements, budget, and integration needs to find the perfect fit.
For more details, visit the official websites of these tools or explore their free trials to test their features firsthand.
