person holding phone with icons of banking apps
From accounting to expenses, managing finances is an important task to master when running a business. — Getty Images/utah778

Managing your business finances is a critical part of running a small business. Fortunately, there are many smart apps available that make a variety of these tasks easier, from accounting and accepting payments to creating expense reports. Here are five apps that will help you manage your business finances.


Truebill lets you see where you’re spending money in your business. The app is primarily used for personal expenses, but it can be used for business expenses as well.

To get started, you’ll download the app and connect it to your business checking account and credit cards. All of your expenses and subscriptions will be categorized into an easy-to-read graph.

Plus, the app will analyze your monthly subscriptions and compare them to the average price for similar services. And if you’re overpaying for a service, Truebill will contact your provider and negotiate the payment on your behalf.

Zoho Books

Zoho Books a great option for small business owners that need accounting software. The software is intuitive, easy to use and affordably priced. It also contains all the necessary features a small business owner will need.

The cloud-based accounting software provides recurring invoicing, payment reminders, accounts receivable, inventory tracking and more. This allows you to keep all your financial records in one place.

The software is very affordable, with the most basic plan starting at just $9 per month. But the best part about Zoho Books is that it can grow with your business. If you like using Zoho Books, the company also offers software that will help you manage your CRM, plan projects and more.

[Read: How to Choose a Payroll App]

Managing your business finances is a critical part of running a small business.


Gusto is an online payroll system for small businesses. It allows you to automatically set up payroll, and will even handle your tax filings come tax season. And the software supports payroll in all 50 states, making it easier for your business to stay compliant.

Gusto provides three different pricing plans, depending on the level of functionality you need. The Core plan is the company’s most basic plan, and it covers features like payroll, benefits and unlimited customer support.

When you’re ready, you can upgrade to either the Complete or Concierge plans, which cover employee onboarding, time-off requests and even an HR center.


Wave is a great solution for independent contractors and small businesses with fewer than nine employees. Wave lets you send invoices, manage payments, scan your receipts and track your monthly revenue.

The best part about Wave is that it’s completely free. And unlike other types of software, the company doesn’t limit you to a certain number of invoices or transactions.

However, you can purchase additional services for your business when you feel ready. For instance, the company offers two different payroll services. You can also pay to work with Wave Advisors who can help you with your bookkeeping or taxes.

The software is easy to use, it offers a pretty robust lineup of features and the $0 price tag can’t be beat. Potential drawbacks are that Wave offers a limited number of integrations and their customer support team can be difficult to reach.


QuickBooks is one of the most popular names in online bookkeeping software. The company’s cloud-based software is easy to use, offers numerous integrations and provides advanced invoicing features.

The company offers four different plans, and they are a bit pricier than some of the other options on the list. The most basic plan is $20 per month and comes with unlimited invoices, expense tracking, reports and integrates with more than 200 apps.

Overall, the software is pretty intuitive and easy to use and the dashboard gives you quick insight into your business finances. And once you’re ready to upgrade, you can access robust payroll, project management and inventory management features.

[Read: A Guide to Small Business Accounting]

CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.

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