100 Financial Planning Apps for Solo Founders and Small Teams
Financial planning looks different for every founder, from tracking runway to building a personal investment plan. These first 25 apps cover core budgeting, accounting, forecasting, and wealth-management workflows.
QuickBooks Online
QuickBooks Online provides cloud accounting for invoicing, expense tracking, bank reconciliation, and financial reporting. It helps founders replace scattered spreadsheets with organized books and regularly updated business financial records.
Xero
Xero is cloud accounting software for invoicing, bill payments, bank feeds, reconciliation, and reports. It reduces the manual work of matching transactions and monitoring a company's accounting activity.
FreshBooks
FreshBooks helps service businesses create invoices, track expenses, record time, and review financial reports. It helps consultants and agencies turn billable work into invoices without separate timekeeping systems.
Wave
Wave offers invoicing, accounting, receipt capture, and financial reporting tools for small businesses. It gives early-stage operators a simpler way to track income and expenses in one place.
Zoho Books
Zoho Books manages invoicing, expenses, bills, bank reconciliation, inventory, and accounting reports. It helps teams connect day-to-day sales and purchasing activity to their underlying financial records.
Sage Accounting
Sage Accounting provides online bookkeeping, invoicing, cash flow visibility, and business financial reporting. It helps small businesses maintain clearer records when transactions and invoices begin multiplying.
Oracle NetSuite
Oracle NetSuite is an enterprise resource planning system covering accounting, planning, operations, and reporting. It helps growing companies consolidate financial data that otherwise lives across disconnected operational systems.
Intuit QuickBooks Cash Flow Planner
QuickBooks Cash Flow Planner uses QuickBooks data to help businesses anticipate future cash positions. It helps owners spot potential cash shortfalls before upcoming bills and expected payments arrive.
Float
Float creates cash flow forecasts by connecting accounting data, budgets, scenarios, and financial assumptions. It helps teams model how payment timing and spending decisions could affect available cash.
Fathom
Fathom turns accounting data into management reports, dashboards, forecasts, and financial analysis. It helps founders interpret financial statements without building every management report manually.
Jirav
Jirav provides budgeting, forecasting, dashboarding, reporting, and scenario planning for finance teams. It helps businesses coordinate plans and forecasts when spreadsheet-based processes become difficult to manage.
Cube
Cube is a financial planning platform that works with spreadsheets for budgeting, forecasting, and reporting. It helps finance teams retain familiar spreadsheet workflows while reducing version-control confusion.
Planful
Planful supports financial planning, budgeting, forecasting, consolidation, reporting, and close management. It helps organizations centralize recurring planning cycles that require inputs from multiple departments.
Anaplan
Anaplan is a connected planning platform for financial, operational, workforce, and sales planning. It helps cross-functional teams align changing assumptions instead of maintaining separate planning models.
Adaptive Planning
Workday Adaptive Planning supports budgeting, forecasting, workforce planning, and financial reporting workflows. It helps finance leaders update plans more consistently as hiring, revenue, and spending change.
Causal
Causal is a modeling tool for building financial plans, forecasts, dashboards, and scenario analyses. It helps operators test business assumptions without constructing complex spreadsheet formulas from scratch.
Mosaic
Mosaic provides strategic finance tools for planning, reporting, forecasting, and business performance analysis. It helps leadership teams connect operational metrics with financial plans and resource decisions.
Budgyt
Budgyt is a budgeting and forecasting platform designed for collaborative business financial planning. It helps teams collect departmental budget inputs without relying on emailed spreadsheet versions.
LivePlan
LivePlan helps entrepreneurs create business plans, financial forecasts, budgets, and performance dashboards. It helps founders translate business ideas into structured financial projections for decision-making.
YNAB
YNAB is a budgeting app that assigns money to categories and tracks spending decisions. It helps individuals stop wondering where money went by planning each available dollar.
Monarch Money
Monarch Money aggregates financial accounts for budgeting, transaction tracking, goals, and net-worth monitoring. It helps households view spending and account balances without checking multiple financial institutions separately.
Empower Personal Dashboard
Empower Personal Dashboard tracks linked accounts, spending, investments, retirement planning, and net worth. It helps people assess their broader finances when banking and investment accounts are fragmented.
Rocket Money
Rocket Money helps users monitor subscriptions, spending, bills, budgets, and linked financial accounts. It helps users identify recurring charges and manage bills that are easy to overlook.
PocketGuard
PocketGuard aggregates accounts and categorizes transactions to support budgeting and spending oversight. It helps users understand how much spending money remains after bills and planned savings.
Goodbudget
Goodbudget uses a digital envelope system to organize spending into planned budget categories. It helps households set spending boundaries when discretionary purchases routinely exceed their intended budget.
Quicken Classic
Quicken Classic tracks bank accounts, investments, bills, budgets, and long-term household finances in desktop software. It helps people consolidate scattered financial records when spreadsheets and separate account portals become difficult to manage.
Quicken Simplifi
Quicken Simplifi aggregates financial accounts and helps users create spending plans, track bills, and monitor goals. It addresses uncertainty about available spending money by organizing upcoming income, bills, and planned expenses.
Tiller
Tiller automatically imports financial transactions into customizable Google Sheets and Microsoft Excel budgeting templates. It helps spreadsheet-oriented planners avoid manually copying transaction data from multiple financial institutions.
EveryDollar
EveryDollar provides zero-based budgeting tools for assigning income to planned spending categories each month. It helps users give every dollar a purpose when unplanned spending repeatedly disrupts monthly budgets.
Copilot Money
Copilot Money aggregates accounts, categorizes transactions, and presents spending, budget, and net-worth views. It reduces the effort of reviewing many account balances and manually sorting everyday purchases.
Lunch Money
Lunch Money is a personal finance tool for tracking transactions, budgets, recurring expenses, and multiple currencies. It helps globally minded households manage accounts and spending patterns across currencies in one place.
Spendee
Spendee tracks expenses, creates budgets, and supports shared wallets for personal or household spending. It helps households see combined spending when individual purchases are otherwise recorded separately.
Wally
Wally helps users track spending, set budgets, monitor bills, and review their financial habits. It addresses limited visibility into daily expenses by bringing transactions and budget categories together.
Money Manager Ex
Money Manager Ex is desktop personal finance software for recording accounts, transactions, budgets, and reports. It helps users maintain local financial records when they prefer manual control over their data.
GnuCash
GnuCash is open-source accounting software supporting double-entry bookkeeping, budgeting, invoicing, and financial reports. It helps owners replace informal recordkeeping with structured accounts that support more reliable financial reporting.
HomeBank
HomeBank is personal finance software for tracking accounts, categorizing transactions, budgeting, and analyzing expenses. It helps users identify spending patterns when bank statements alone provide little category-level context.
KMyMoney
KMyMoney is personal finance software that manages accounts, investments, budgets, scheduled transactions, and reports. It helps detail-oriented users organize complex household accounts without relying on disconnected records.
Banktivity
Banktivity is personal finance software for budgeting, account tracking, investment monitoring, and financial reporting. It helps Mac users review household cash flow and investments from a centralized financial record.
Moneydance
Moneydance manages personal banking, investments, budgets, bill reminders, and transaction reporting across desktop platforms. It helps people track future obligations when recurring bills are easy to overlook.
CountAbout
CountAbout is online personal finance software for tracking transactions, budgets, categories, and account balances. It helps users move beyond basic banking dashboards when they need customizable categories and budget oversight.
Buxfer
Buxfer aggregates financial accounts and provides budgeting, expense tracking, forecasting, and bill reminder tools. It helps users anticipate cash shortages by connecting current balances with upcoming bills and spending.
Zeta
Zeta helps couples manage shared and individual finances through household budgeting and collaborative money tools. It reduces confusion between partners when shared expenses and personal spending need separate visibility.
Honeydue
Honeydue helps couples track shared finances, coordinate bills, and discuss household spending within one app. It helps partners avoid missed payments and unclear expense responsibilities through shared financial coordination.
Splitwise
Splitwise tracks shared expenses and calculates balances among friends, roommates, couples, or travel groups. It solves the awkwardness of manually calculating who owes whom after shared purchases.
Expensify
Expensify captures receipts, tracks expenses, supports reimbursements, and helps organizations manage expense reporting. It reduces administrative time spent collecting receipts and preparing reimbursement records for business purchases.
Ramp
Ramp provides business spending controls, corporate cards, expense management, and bill payment workflow tools. It helps companies control decentralized spending when purchases lack consistent approval and visibility processes.
Brex
Brex offers business cards and spend-management tools for tracking expenses, approvals, and company payments. It helps growing teams manage employee spending when card activity and approvals are difficult to monitor.
Dext
Dext extracts financial data from receipts, invoices, and bank documents for accounting workflows. It helps bookkeepers reduce manual data entry when source documents arrive in many formats.
BILL
BILL provides accounts payable, accounts receivable, invoicing, and payment workflow tools for businesses. It helps small businesses organize payment approvals when vendor bills and customer invoices become fragmented.
ProjectionLab
ProjectionLab models personal financial scenarios, including cash flow, taxes, investments, and long-term goals. It helps planners test major life decisions when static retirement calculators cannot model changing assumptions.
Wealthfront
Wealthfront builds and manages diversified automated investment portfolios based on a customer’s goals and risk tolerance. It helps investors who want portfolio management without selecting, buying, and rebalancing investments themselves.
Betterment
Betterment provides automated investing and cash-management accounts using goal settings and risk preferences to guide portfolios. It helps people create investment plans without needing to research and maintain individual holdings.
Acorns
Acorns invests spare change from linked purchases and offers diversified investment portfolios for account holders. It helps new investors turn small, routine spending amounts into recurring investment contributions.
M1 Finance
M1 Finance lets users build customized portfolios and automate recurring purchases of stocks and exchange-traded funds. It helps investors follow a chosen allocation without manually placing every recurring investment order.
Ellevest
Ellevest offers digital investment portfolios and financial planning tools organized around members’ goals and circumstances. It helps users connect investing decisions with personal goals such as retirement or major life changes.
Schwab Intelligent Portfolios
Schwab Intelligent Portfolios automatically invests client assets in diversified exchange-traded fund portfolios matched to investor profiles. It helps clients access automated diversification when they prefer not to construct portfolios themselves.
Fidelity Investments
Fidelity Investments provides account management, investing, retirement planning resources, trading, and market research through its app. It helps investors monitor retirement and brokerage accounts from one place while making informed decisions.
Vanguard
Vanguard’s app lets clients review accounts, trade funds and securities, and manage retirement investments. It helps long-term investors keep track of holdings and contributions without using separate account portals.
SoFi Invest
SoFi Invest offers self-directed brokerage accounts and automated investing options through a mobile investment platform. It helps users choose between hands-on trading and automated investing within the same financial ecosystem.
SigFig
SigFig tracks investment accounts and offers managed portfolios designed around investor goals and risk preferences. It helps investors see scattered portfolio holdings together and identify whether allocations need attention.
Boldin
Boldin provides retirement planning software that models income, spending, savings, taxes, and future financial scenarios. It helps households test retirement decisions when spreadsheets cannot easily show long-term tradeoffs.
MaxiFi Planner
MaxiFi Planner models lifetime cash flows, retirement income, Social Security, and spending decisions. It helps retirees evaluate how claiming benefits or changing expenses affects their long-term finances.
RightCapital
RightCapital provides financial planning software for advisors, including retirement, tax, estate, and cash-flow planning. It helps advisory teams organize complex client planning information into coordinated financial projections.
eMoney Advisor
eMoney Advisor provides advisors with financial planning software, client portals, account aggregation, and scenario analysis. It helps planners maintain a consolidated view of client finances instead of gathering data manually.
MoneyGuidePro
MoneyGuidePro is financial planning software that helps advisors model goals, retirement needs, and alternative scenarios. It helps advisors explain planning tradeoffs through goal-based projections rather than static documents alone.
Origin
Origin offers employer-sponsored financial wellness services including planning, coaching, investing, and tax support. It helps employees find coordinated financial guidance when workplace benefits are otherwise difficult to navigate.
Albert
Albert combines banking, budgeting, saving, and investing tools within a single personal finance application. It helps users manage everyday money decisions without switching among separate banking and budgeting tools.
Cleo
Cleo provides budgeting features, spending insights, savings tools, and conversational guidance through its mobile app. It helps users understand spending patterns through approachable prompts instead of reviewing complicated financial reports.
Credit Karma
Credit Karma provides credit monitoring, credit report access, and personalized financial product recommendations. It helps consumers monitor credit changes and understand factors affecting their credit profiles.
NerdWallet
NerdWallet provides personal finance tools for tracking net worth, credit, cash flow, and financial accounts. It helps consumers assess their broader financial picture without manually combining balances from multiple institutions.
Experian
Experian’s app provides credit report access, credit monitoring alerts, and tools for understanding credit factors. It helps consumers spot changes in their credit file before applying for loans or cards.
myFICO
myFICO provides access to FICO Scores, credit reports, monitoring alerts, and identity-related services. It helps borrowers review the scoring information lenders commonly consider before major credit applications.
Undebt.it
Undebt.it creates customizable debt payoff plans using avalanche, snowball, and other repayment strategies. It helps borrowers prioritize multiple balances and visualize a clear path toward becoming debt-free.
Debt Payoff Planner
Debt Payoff Planner calculates repayment schedules for debts using snowball and avalanche payoff approaches. It helps users compare payoff methods and stay organized across several loans or credit cards.
TurboTax
TurboTax guides users through tax return preparation, calculates tax estimates, and supports electronic filing. It helps taxpayers complete returns by translating tax questions into step-by-step prompts and calculations.
TaxAct
TaxAct prepares federal and state tax returns through guided questions and electronic filing options. It helps filers organize tax information and identify deductions without completing complex forms manually.
H&R Block
H&R Block offers online tax preparation, filing tools, and access to tax professionals. It helps taxpayers choose between self-service filing and professional support for complicated tax situations.
FreeTaxUSA
FreeTaxUSA provides online federal and state income tax preparation and filing tools. It helps budget-conscious filers complete tax returns using guided prompts and calculation assistance.
TaxSlayer
TaxSlayer guides users through federal and state tax return preparation and electronic filing. It reduces uncertainty around tax forms by asking questions that populate relevant return sections.
Gusto
Gusto runs payroll, tax filings, benefits administration, and employee onboarding for small businesses. It reduces manual payroll calculations and filing deadlines by automating recurring payroll workflows.
Patriot Software
Patriot Software offers payroll and accounting tools for tracking business finances and employee payments. It helps small businesses avoid separate systems for routine bookkeeping and payroll administration.
Aplos
Aplos provides fund accounting, donation tracking, budgeting, and reporting tools for nonprofits and churches. It helps mission-driven organizations separate restricted funds and produce clearer financial reports.
ZipBooks
ZipBooks combines invoicing, expense tracking, bookkeeping, and financial reporting for small businesses. It helps service businesses monitor receivables and expenses without maintaining separate financial spreadsheets.
Akaunting
Akaunting is accounting software for invoicing, expense tracking, banking, and financial reporting. It helps small teams centralize everyday bookkeeping tasks instead of relying on disconnected records.
Odoo Accounting
Odoo Accounting manages invoices, bills, bank reconciliation, payments, and financial reporting within Odoo. It helps growing businesses connect accounting records with sales and operational workflows in one system.
Manager.io
Manager.io is accounting software offering invoicing, bank reconciliation, inventory tracking, and financial reports. It helps businesses replace manual ledgers with organized records for transactions and account balances.
Asset-Map
Asset-Map visualizes household finances, assets, liabilities, insurance, and goals on a single page. It helps advisors identify planning gaps when client financial information is scattered across documents.
Holistiplan
Holistiplan analyzes tax returns to help financial advisors identify tax planning opportunities. It helps advisors review lengthy tax documents faster and surface relevant planning discussion points.
Income Lab
Income Lab helps financial advisors model retirement income strategies, spending, and portfolio scenarios. It helps planners compare retirement-income tradeoffs without building complex scenario models from scratch.
fpPathfinder
fpPathfinder provides planning checklists and flowcharts for guiding client conversations and follow-up decisions. It helps advisors cover important planning topics consistently during meetings and review processes.
Nitrogen
Nitrogen helps advisors assess investor risk tolerance and align portfolios with client preferences. It helps advisors explain portfolio risk clearly when clients have uncertain investment expectations.
Morningstar Investor
Morningstar Investor delivers investment research, portfolio analysis, stock and fund screening, and market data. It helps individual investors research holdings and compare investment options using standardized information.
Sharesight
Sharesight tracks portfolio performance, dividends, and tax reporting across multiple brokerage accounts. It helps investors consolidate scattered holdings and calculate returns beyond simple account balances.
Kubera
Kubera tracks net worth across investments, cash, real estate, and other personal assets. It helps households see their complete financial picture when assets are held across many institutions.
Delta Investment Tracker
Delta Investment Tracker monitors stocks, cryptocurrencies, and other investments with portfolio performance views. It helps investors follow mixed asset portfolios without manually updating values from separate platforms.
Robinhood
Robinhood provides brokerage accounts for trading stocks, exchange-traded funds, options, and cryptocurrencies. It helps self-directed investors place trades and monitor investments from a single mobile platform.
E*TRADE
E*TRADE offers brokerage accounts, investment research, trading tools, and retirement account options. It helps investors manage taxable and retirement investments without using separate brokerage providers.
Interactive Brokers
Interactive Brokers provides brokerage services, global market access, trading tools, and portfolio reporting. It helps active investors access multiple asset classes and international markets through one account.
Trust & Will
Trust & Will helps users create estate planning documents, including wills and certain trusts. It helps families begin estate planning with guided documents instead of starting from blank legal forms.
Policygenius
Policygenius is an insurance marketplace that helps consumers compare life and other insurance policies. It helps shoppers evaluate insurance coverage options when policy terms and provider choices feel overwhelming.
The right planning stack depends on whether your immediate challenge is bookkeeping, forecasting, personal budgeting, or coordinated company planning.