Compare the Top Free Budgeting Software as of February 2026

What is Free Budgeting Software?

Budgeting software is software that helps individuals and organizations plan, track, and manage their income and expenses. It provides features for setting budget goals, monitoring spending habits, and generating detailed financial reports. With real-time insights and automated tracking, the software helps users make informed financial decisions and stay on top of their financial health. Budgeting software often includes tools for cash flow forecasting and alerts for budget variances, enabling proactive financial management. This software is invaluable for households, businesses, and non-profits seeking to optimize spending, allocate resources effectively, and achieve long-term financial goals. Compare and read user reviews of the best Free Budgeting software currently available using the table below. This list is updated regularly.

  • 1
    Caflou

    Caflou

    Caflou

    Caflou lets you take control of business, your projects and team and increase your company’s profit. Caflou is all-in-one yet easy-to-use online business management system ideal for marketing agencies or IT teams. With Caflou you can manage your customer relations, projects with their budgets, finances and profitability, track time, manage your team and workload or even automate trivial activities, all in one place from anywhere. Caflou is professional and complex. Replaces the majority of tools that you’re using at present. Functions are logically connected and linked to each other. Constantly and quickly evolving. Keeps your data safe and in one spot. Join 3500+ companies using Caflou. Start Free!
    Starting Price: $13.00/month/user
  • 2
    Divvy

    Divvy

    Divvy

    Divvy has combined seamless expense management software with business cards so you never have to process another expense report. With Divvy, you can leverage faster expense reporting, enforceable budgets, and a single platform to offer real-time visibility into all spend. Ready to gain more control and streamline your spend management—in a one-stop, easy-to-use platform? Get Divvy today to empower your team and save everyone time (including yourself). Divvy provides their customers with a strong credit line and makes going over budget literally impossible. Put a stop to painful expense resorts and simplify the AP process with Divvy—all for free.
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    Starting Price: Free
  • 3
    TimeCamp

    TimeCamp

    TimeCamp

    Discover how a feature-rich free time tracker can end your project management headaches. Let your team perform at its best without intrusive micromanagement. Are you struggling to keep track of your team's performance across different projects? Say "goodbye" to spreadsheets and guesswork. Let TimeCamp do the time tracking and focus on the work that matters. Learn how a piece of time tracking software can help you optimize your team's workflow as well as keep your projects within their budgets. Start working smart by employing TimeCamp to become your own project manager. Access all of the essential information about your projects in one place. Easy! Why waste countless hours on additional data processing just to have a precise report? TimeCamp does it all automatically so you can maintain your focus on the important work.
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    Starting Price: $6.30 per user per month
  • 4
    Moolamore

    Moolamore

    Moolamore

    Never waste time waiting to see your cash flow position again, one-touch updates allow you to have clear visibility and control of your finances, whenever you need them. View your real-time financial results direct to your mobile or desktop, on Moolamore's simple, easy-to-navigate dashboards. Forecast for the growth of your business. Create 'what-if' plans and compare business opportunities and entities. Consolidate multiple entities in multi-currency in exportable, shareable reporting.
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    Starting Price: $76.49/month
  • 5
    Dovico

    Dovico

    Dovico Software

    Dovico TimeSheet for Small Business is a fully scalable project time and expense tracking solution. Remove the barriers! Employees enter time and expenses through an intuitive web or mobile (iOS and Android) experience. Need some help? Free unlimited chat, email and phone support await you as we become a helpful extension of your profit-building team. Get away from time-consuming spreadsheets and get started with Dovico TimeSheet for Small Business now for free!
    Starting Price: Free
  • 6
    CloudBudget

    CloudBudget

    CloudBudget

    Check out the planning process of the Lightning version of CloudBudget. In just ten minutes you will understand the fundamentals of how it works! CloudBudget is a comprehensive budgeting application that allows you to plan budgets and measure the financial stability of your organization with line item budgetary tracking. Since 2010 CloudBudget experts have been assisting organizations of all sizes and types to better budget and plan. The problem we sought to solve and continue to confront is the spreadsheet-centric budgeting process too many organizations rely on despite the painful drawbacks. Our goal was to design a product that affordably leverages the strengths of Salesforce and the force.com platform to bring relief to organizations struggling with consolidation, workflow control, validation, permission control, reporting, integration and other basic budgeting needs that spreadsheet approaches make difficult.
    Starting Price: $60/user/month
  • 7
    Contractpedia

    Contractpedia

    Contractpedia

    Contractpedia - Better contract management from Denmark Contractpedia is a contract management solution that helps you to fix the contract mess and get a financial overview of your contracts. Contractpedia will remind you before it’s too late and the contract is renewed automatically. You will always know exactly when you should take action about each contract. Eliminate missed termination notices and never again be too late just because you didn’t know when you should send a termination notice or because you forgot. You don't have to remember dates anymore or go through your contract list, looking for the expiry date. Contractpedia helps you to be smart about your contracts and stay in control of your obligations.
    Starting Price: €0
  • 8
    valQ

    valQ

    Lumel Technologies Inc

    ValQ is a server less, lightweight, multi-purpose application running on Power BI supporting use cases such as planning, forecasting, budgeting, time series forecasting, and value driver planning. It helps enterprises run simulations, plans & analyses in a very visual and intuitive manner. It supports use cases across various departments and functions and is designed keeping in mind the analysis & decision-making needs of business users & executives without any dependencies on IT.
    Starting Price: Free
  • 9
    Cenario

    Cenario

    Cenario

    Cenario helps startup founders and business owners with managing cashflow and finances with ease through machine learning. Analyze, simulate and plan scenarios with real-time data to help you grow your business. We're a passionate team of experienced entrepreneurs & creators building a product to help businesses know their numbers, make better decisions and go on to succeed. When it comes to building product, our absolute core focus is on delivering an amazing customer experience. We're proud as a team with our ability to build out features and product capabilities users love. Focus on making better data-informed decisions for growth. We make your next eCommerce decision simple by finding patterns in your numbers to financially story tell tomorrow. In seconds you can connect every marketing and outreach data point available to you. Focus on what matters most and with everything meshed into a single data source.
    Starting Price: $29 per month
  • 10
    Approveit

    Approveit

    Approveit

    Streamline Business Processes with Approveit Approveit revolutionizes workflow automation within Slack and Microsoft Teams. Simplify task assignments, invoice approvals, and contract management with easy-to-set-up templates, automating processes across finance, HR, IT, procurement, legal, marketing, and sales departments. Approveit offers robust task management, enabling you to create, track, and manage tasks directly in your preferred communication platform. Gain transparency with dedicated boards and real-time updates. Why Approveit? Automate repetitive tasks Integrate with over 100 apps Cut spend approval time by 70% Reduce errors and boost efficiency Plus, with every 100 approvals, we plant a tree, contributing 1% of revenue to carbon removal. Try Approveit today and transform your business operations with ease!
    Starting Price: $89 per month
  • 11
    Finmark
    Save time with data automation, and analyze your business holistically. Turn insights into decisions and forecast with confidence. Hundreds of businesses rely on Finmark, from BILL to make better financial decisions, faster. Finmark saves hours on data entry and makes financial planning a breeze! Finmark can give you the strategic insights you need to make the best decisions for growth! Say goodbye to version control nightmares and chasing down data from various teams. Finmark gives you a single real-time source to manage and share your financial plan with internal and external stakeholders. Easily collaborate, collect feedback, and share what each user needs to see while protecting sensitive information. Finmark integrates with your entire stack to magically reconcile your actuals without any manual entry. Integrations include accounting software like Quickbooks & Xero, payment processors like Stripe, and payroll like Gusto & ADP.
    Starting Price: $50 per month
  • 12
    Buxfer

    Buxfer

    Buxfer

    Manage not only your own expenses, but a group's (like your slacker roommates) when you sync Buxfer with your bank or import statements or financial data files. You'll be able to generate reports on who owes what; there's even an IOU view. Pay for the Plus or Pro accounts to get access to unlimited accounts, make unlimited budgets, and create all the bill reminders your checking account can stomach. Our infrastructure is compliant with industry standards such as PCI and SOC3. High-grade 256-bit encryption is used to store sensitive information, and secure communication with your computer to prevent a third party from eavesdropping. Independent, reputed security firms conduct rigorous daily scans, comprising dynamic port scanning, network vulnerability testing, and web application vulnerability testing.
    Starting Price: $3.99 per month
  • 13
    Sync

    Sync

    Sync

    SyncBudgeting is a budgeting and expense-tracking platform engineered for “zero-click budgeting” by linking securely to your bank accounts (via Plaid) and automatically syncing transactions twice a day. It detects and categorizes transactions (including subscriptions and recurring charges), allows you to build custom budgets (both overall and per category), and presents spending visuals such as daily average spend, heatmaps, and projected monthly totals to help you spot trends and adjust behavior. Users can optionally manually enter expenses if they prefer not to connect financial accounts, and the interface offers aesthetic customization (themes and chart colors) alongside key functionality. A free tier is available (with some features limited after 7 days), and a Pro version adds unlimited account connections and other advanced insight features.
    Starting Price: $7 per month
  • 14
    OneStream

    OneStream

    OneStream Software

    Our intelligent finance platform allows you to break away from the limitations of spreadsheets and legacy applications. Unify financial consolidation, planning, reporting and analysis through a single, extensible platform. Conquer the complexity of financial close, consolidation, planning, reporting and analysis. OneStream supports corporate standards while also satisfying more detailed line of business planning and reporting requirements, all in a single, unified application. Enables teams to apply trusted financial intelligence to large volumes of operational data to detect trends and financial signals that drive informed decision-making at the speed of business. Accelerate time to value with OneStream’s built-in understanding of accounts, currencies, ownership and intercompany activity. Replace multiple legacy systems or cloud point solutions with a unified application.
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    Jedox

    Jedox

    Jedox

    Eliminate the use of spreadsheets and move to more advanced, best-in-class integrated enterprise planning solutions from Jedox. Jedox's integrated planning solutions combine enterprise planning, data analytics, and reporting that help organizations improve collaboration among teams, create accurate forecasts and analytics, and deliver greater process visibility and transparency. Jedox is accessible from any device and also comes with inbuilt integration.
  • 16
    Cash Flow Frog
    Cash Flow forecasting made easy Cash Flow Frog is a simple yet powerful cash flow forecasting and scenario planning tool. Try it now and get your forecast instantly. cashflowfrog.com
    Starting Price: $29.00/month/user
  • 17
    ClearGov

    ClearGov

    ClearGov

    ClearGov is on a mission to build a community of transparent, data-driven, modern governments. ClearGov provides a full suite of turnkey, cloud-based solutions to help local municipalities drive transparency, streamline budgeting, and better engage residents. ClearGov’s award-winning platform is currently used by hundreds of communities across 26 different states. Get started by having department heads fill out fully-integrated, easy-to-use, web-based forms instead of cumbersome Excel or paper forms.Review and approve capital, personnel and operational budget requests immediately, rather than searching for them in your email. Collaborate with department heads directly within ClearGov products, keeping all conversations well documented and increasing efficiency.Use powerful visualizations to inform decision making and build your multi-year, multi-scenario capital, personnel, and operational budgets.
    Starting Price: $2500 per year
  • 18
    MYGIDE

    MYGIDE

    GIDE International

    MYGIDE allows the consolidation of different business entities and segments using general ledger coding (or its modifications) or user-defined connections. Data are then instantly pulled together and displayed in report structures and statements, allowing for quick drill down. Change on any sub-level instantly recalculates into superior levels. MYGIDE calculates horizontal and vertical run rates and produces indicative short-term and long-term plans based on historic and actual performance, and business trends. Users are then allowed to override the run-rate-based trends with their own assumptions. Different versions of what-if or exclude/include analysis can be then saved as scenarios for comparison and evaluation purposes. MYGIDE supports a collaborative process for managing all your budgeting and planning needs. Operational divisions managers get data and tools to populate their plans, whilst office of finance enjoys real-time consolidation of their inputs.
  • 19
    Neubrain Budgeting
    Neubrain Budgeting is the most innovative all-in-one budgeting and performance management platform. Perfectly suitable for mid-size and large businesses and government organizations with unique and complex requirements, Neubrain Budgeting offers a fully integrated resource for forecast planning, budgeting, financial consolidations, and performance management. Fast to deploy and easy to maintain, Neubrain Budgeting delivers a powerful set of tools that help link budget decisions with strategic results.
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    Visyond

    Visyond

    Visyond

    Automate What-if analysis, Scenarios and Monte Carlo Simulations. Visualize your spreadsheets as interactive dashboards for forecasting and What-if analysis. Get ready-to-present What-if, Scenario, and Risk analysis reports with a few clicks. If your model’s structure or data changes – just re-run the analysis to keep it up-to-date. Create impactful presentations of your analyses and turn them into interactive ‘what-if’ calculators where viewers can play with the numbers and visualize their own forecasts (powered by your spreadsheet’s formulas). We use security best practices for our cloud offering that works in a browser. For complete control - you can get Visyond on-premise or white-label it. We put your Excel model, its formulas and interface in the cloud, automating workflows that would be difficult to achieve otherwise, while keeping things familiar.
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