Real free plans, not just trials. Check each one's limits before you commit.
Updated Oct 23, 2026. Our picks, in order. Independent software reviews, not financial or accounting advice.
Company cards, expenses, bill pay and travel in one place, with AI that reviews expenses, codes line items and extracts invoices.
Verdict. Best free starting point for card spend, expenses and bill pay together.
Published price. Free $0/user/month. Plus $15/user/month plus a platform fee based on team size. Enterprise custom. Checked Oct 22, 2026.
Company cards, budgets and expense tracking (formerly Divvy), with an AI agent that captures receipts and codes transactions.
Verdict. Best free card-and-budget tool if you already use BILL for bills.
Published price. $0 per user per month. Checked Oct 22, 2026.
Free invoicing and bookkeeping for very small businesses, with a Pro plan that adds bank imports, auto-categorization and receipt capture.
Verdict. Best free accounting for the smallest businesses.
Published price. Starter $0. Pro $19/month or $190/year (USD). Checked Oct 22, 2026.
Accounting with invoices, bills, bank feeds, receipt autoscans and 1099 filing, with a free plan for micro businesses.
Verdict. Best value accounting software, especially with other Zoho apps.
Published price. Free plan. Standard $20/org/month ($15 billed annually). Higher plans up to Ultimate $275/org/month ($240 billed annually). Checked Oct 22, 2026.
Corporate cards with AI-powered rules, bill pay, reimbursements, travel booking and accounting integrations.
Verdict. Best for fast-growing companies that want cards and policies that scale across entities.
Published price. Essentials $0/user/month. Premium $12/user/month. Checked Oct 22, 2026.
Business banking with cards, bill pay, invoicing and expense tools, plus Mercury Books (accounting) and Mercury Payroll add-ons.
Verdict. Best online banking for startups and online businesses that want bill pay and books in the bank.
Published price. Mercury $0/month. Plus $29.90/month. Pro $299/month. Add-ons: Mercury Books $35/month and Mercury Payroll $100/month + $50 per person paid, both waived until Dec 31, 2026. Checked Oct 22, 2026.
Expense reports with AI receipt scanning, card feeds, policies and approvals.
Verdict. Best low-cost expense tool, especially if you already use Zoho apps.
Published price. Free plan. Standard $4/user/month and Premium $6/user/month billed monthly ($3 and $5 billed annually). Checked Oct 22, 2026.
Business banking with cards, bill pay, expenses and accounting automation in one platform.
Verdict. Best if you want cards, AP and banking from one provider with no subscription fee.
Published price. $0 subscription and per-user fees. Fees apply to some international wires and currency conversion. Checked Oct 22, 2026.