Kurums Free · Topic
Free finance software and services with verified free tiers — limits, card requirement and upgrade trigger for each.
Business credit and charge cards with no annual fee verified October 2026: Ramp, Brex, BILL Spend & Expense, Mercury IO, Amex Blue Business Cash and Plus, Chase Ink Cash and Unlimited, Capital One Spark Cash Select and Classic, Bank of America Customized Cash, U.S. Bank Triple Cash, Wells Fargo Signify, Capital on Tap, Tide, Airwallex, Moss, Wise — annual fee, FX fee, employee cards, rewards, APR. Revolut, Pleo, Soldo, Qonto paid.
Payment processors with no monthly fee, verified October 2026: Stripe, Square, PayPal, Helcim, Braintree, PayPal Zettle, SumUp, GoCardless, Mollie, Paddle, Lemon Squeezy, Gumroad — per-transaction rates, hardware costs, merchant-of-record status and paid tiers.
Free business bank accounts and card programs verified October 2026: Mercury, Relay, Novo, Found, Wise Business, Axos, Grasshopper, Brex, Ramp — monthly fee, wire fees, APY conditions, account limits and the paid step for each.
Free budgeting and FP&A tools verified October 2026: Google Sheets, Excel for the web, LibreOffice Calc, Zoho Sheet, ChartMogul Free ($10K MRR), Baremetrics Launch ($180K ARR), Paddle Metrics, Wave — and why Causal, Pry, Finmark, Brixx, LivePlan and PlanGuru are not here.
Free audit and compliance checklists verified October 2026: NIST CSF 2.0, GAO Yellow Book 2024, PCAOB auditing standards, IFAC’s ISA guide for SME audits, Notion Free for running checklists — with access conditions. Vanta, Drata and Smartsheet templates unverified.
Free financial reporting and dashboard tools verified October 2026: Power BI Desktop, Metabase OSS, Apache Superset, Zoho Analytics Free (2 users, 10K rows), Databox Free (3 sources), Tableau Public — with limits, sharing rules and paid steps. Fathom excluded.
Free receipt scanning and OCR apps verified October 2026: Zoho Expense (20 autoscans/user), Veryfi API (100 docs/mo), Adobe Scan, Google Drive OCR, Smart Receipts, Wave — with what each extracts, caps and paid steps. Shoeboxed, Taggun and Mindee excluded.
Free tax filing tools for small business, verified October 2026: FreeTaxUSA, Cash App Taxes, OLT.com, IRS Free File, HMRC Self Assessment, plus where TurboTax, H&R Block, TaxAct and TaxSlayer free editions stop.
Eight free expense tracking apps — Ramp, Brex, Zoho Expense, Everlance, Mesh, MileIQ, Wave, Expensify — with user, scan and trip caps, card requirement and the cheapest paid step. Verified October 2026.
Eight free invoicing tools — Zoho Invoice, Wave, Square, PayPal, Hiveage, Crater, Akaunting and Bookipi — with invoice and client caps, processing fees, card requirement and the cheapest paid step. Verified October 2026.
Eight accounting tools you can keep books on without paying — Wave, Zoho Books, Odoo, Manager, GnuCash, Akaunting, ZipBooks and QuickBooks Free — with limits, card requirement and the cheapest paid step for each. Verified October 2026.