Best Budgeting Software for Startups (In 2025)

Written by Jennifer

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UPDATED ON:

April 17, 2025
April 17, 2025

Startups face more financial challenges than other businesses, so using the best budgeting software for startups is a smart choice in 2025.

Why is it important?

Having the right budgeting software can determine whether your business succeeds or fails.

In this article, we will compare different options that can improve how your finance department works from now on.

Let’s get started!

Top 7 Budgeting Software for Startups

Startups often face financial challenges, such as unexpected expenses that can disrupt their planning and the tendency to overestimate revenue.

Using the best budgeting software for startups can help you avoid these issues and support your operations and growth.

#1

Finroy

Generate personalized budgets in minutes

Get access to micro-loans through trusted partners.

Finroy is one of the best budgeting software options for startups. It provides real-time insights using AI.

How can Finroy help your startup?

With Finroy, you can regularly check key insights and business alerts. This helps you stay informed and aware of important updates and priorities.

You can also quickly explore different financial scenarios and easily create detailed budgets in minutes.

Most clients appreciate how you can closely track your runway with AI-powered budget recommendations.

#2

Planguru

Create an Analysis in just a few clicks

From a simple high-level budget to a detailed multi-department operating budget with consolidations.

A great option for startups is PlanGuru.

This software helps with budgeting and forecasting, specifically for startups and nonprofits.

PlanGuru offers an simple way to plan budgets and make forecasts.

Still, their powerful software can help set your startup on the right path.

PlanGuru provides over 20 forecasting methods, allowing you to project for up to 10 years.

It includes an income statement, balance sheet, and cash flow statement.

These methods are user-friendly and include the option to create custom business drivers, including non-financial data.

#3

Sage

Catch issues before they happen

Uncover insights faster and drive higher performance with AI.

Sage is a well-known provider of accounting software that also offers budgeting tools through its Sage Intacct Planning features.

With over 40 years of experience, we can consider it one of the best budgeting software options for startups.

This solution acts as both an accounting tool and a budgeting aid, offering features for project management, bookkeeping, expense tracking, and cash flow forecasting.

You can benefit from its scenario capabilities and easily export financial reports and dashboards as PDFs.

#4

QuickBooks

spend less time on tedious tasks

Set up and monitor budgets. Track budget versus actual spending and understand how the business is performing financially.

If you run a startup, you may already know about QuickBooks.

It is a top choice for accounting software and is well-suited for startups. QuickBooks offers many features to help you manage your finances effectively.

With QuickBooks, you can track your income and expenses in real time and create detailed financial reports like profit and loss statements.

You also benefit from easy integration with your bank accounts and third-party apps, plus you can automate invoicing and payments.

A lot of people recommend this software because its reporting features give startups a solid look at their financial situation, which helps them make smart choices.

#5

Anaplan

actionable insights

Explore trends and insights with confidence.

Anaplan is a budgeting and planning tool designed for connected business needs. It suits many budgeting requirements of startups.

As one of the best budgeting software for startups, Anaplan offers detailed analysis, advanced scenario modeling, and strong customization features.

It also includes its own AI. With Anaplan’s smart, context-aware AI, you can gain accurate, predictive insights and turn your data into useful information.

This helps startups speed up their scenario planning and decision-making.

#6

Zoho Expense

Automation that enhances your experience

Create different budgets based on expense types or categories to help prevent employees from overspending.

Zoho is a great option for startups and businesses of all sizes, especially for budgeting.

With Zoho Expense you can manage expenses effectively in a couple of simple steps.

With Zoho, you can track expenses by scanning receipts and approve expense reports using customized workflows.

It also connects easily with Zoho Books and other accounting tools, supporting multiple currencies for businesses worldwide.

If you use the Zoho Suite already, this tool simplifies expense reporting and keeps all your financial data in one place.

#7

Bill.com

Optimize cash flow

Bill.com helps startups simplify their accounts payable and receivable tasks.

You can automate the management of invoices and approvals.

It connects easily with accounting software like QuickBooks, allowing you to pay vendors and receive payments online.

You can also check payment statuses in real time.

For budgeting, Bill.com tracks and reports expenses to ensure you spend according to your plans and policies.

With real-time tracking, you can see what you spend every time a card is used.

This helps you identify issues quickly and hold teams accountable by analyzing spending by department, team, project, or individual budget.

In Summary 

Which one of the best budgeting software for startups are you going to try first?

Each one of these tools helps to serve the same purpose: Help you keep your finances in check so your startup keeps growing.

Let us know in the comment box your choice!

And before you go, we invite you to take a look at other tools and firms in our blog.

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