The short version
- 121 of the 306 finance tools in our database do not state a concrete price – close to four in ten. 106 of them explicitly say “price on request”.
- These twelve do state one. All with a monthly entry price, all relevant to a finance function in a mid-sized company or scale-up – from 8 US dollars per user to 199 euros a month.
- Five quote in euros: Qonto, Pennylane, Commitly, Ledgy and Xentral. That removes the exchange rate line from the budget.
- The entry price is never the invoice amount. It generally covers one user, the smallest feature set and annual payment.
The selection comes from our own finance tool database of 306 fact sheets, as at September 2026. The full analysis of pricing transparency is in 306 finance tools reviewed.
How we selected them
Three criteria, all verifiable. First: the vendor states a numbered entry price on its own website – no range, no “from custom”, no enquiry form. Second: the price is a monthly or per-user price and therefore comparable. We excluded transaction fees of the kind payment providers charge, because 0.30 US dollars per transaction cannot sensibly be placed next to 99 US dollars a month. Third: the tool belongs in a finance function – accounting, payments, planning, reporting or ERP. Device management and pure HR software are out.
The result is deliberately not a ranking. A tool at 9 euros is not better than one at 199 euros; it solves a different problem. The list is therefore sorted by price, not by recommendation.
The twelve at a glance
| Tool | Entry price | What it does |
|---|---|---|
| Microsoft Dynamics 365 Business Central | USD 8 per user/month | ERP for accounting, purchasing and sales |
| Qonto | EUR 9/month | Business account with receipt capture and approvals |
| Brex | USD 12 per user/month | Corporate cards and spend management |
| Pennylane | EUR 14/month | Accounting and ongoing reporting |
| Soldo | GBP 21/month | Corporate cards with per-team budgets |
| Commitly | EUR 55/month | Cash planning built on bank data |
| Float | USD 59/month | Cash flow forecasting with scenarios |
| Ledgy | EUR 75/month | Cap table and employee equity |
| ChartMogul | USD 99/month | Subscription metrics: MRR, churn, cohorts |
| Tipalti | USD 99/month | Accounts payable and cross-border payments |
| Jedox | USD 160/month | Planning and consolidation |
| Xentral | EUR 199/month | ERP for distribution and e-commerce |
The prices come from the fact sheets in our database and reflect the cheapest tier the vendor publishes itself. They change without anyone announcing it – check the vendor's page before deciding.
What separates the twelve
Four of the twelve are payment and spend management tools: Qonto, Brex, Soldo and Tipalti. They address the same underlying problem – who may spend how much, and where does the receipt end up – but from different directions. Qonto is an account with a card function, Brex and Soldo are card products with budget logic, and Tipalti starts on the payables side, becoming interesting as soon as suppliers have to be paid across several countries and currencies.
Three are planning tools: Commitly, Float and Jedox. The distance between them is greater than the prices suggest. Commitly and Float build on bank data and answer the question of liquidity over the coming weeks – the work described in our 13-week cash flow forecast. Jedox is a planning system for group structures with consolidation and belongs in a different order of magnitude, even if the entry price does not show it.
Three deliver analysis: Pennylane for day-to-day accounting, ChartMogul for subscription metrics, Ledgy for the shareholder structure. ChartMogul is the case where the price says least about suitability – anyone without a subscription model does not need it, and anyone with one will struggle through a fundraise without that kind of analysis.
Two are ERP systems: Business Central and Xentral. Both prices are misleadingly low. An ERP costs a multiple of its licence to implement, and implementation is the part where projects fail. What matters there is set out on our page on implementing finance software.
What a published price does not mean
That a vendor publishes its price says something about its sales model and nothing about its quality. Our analysis shows exactly that: tools aimed at large corporates state a figure in 40 per cent of cases, tools aimed at small and mid-sized companies in 65 per cent. Anyone who negotiates individually does not publish a list. That is a decision about sales, not a verdict on quality.
In practice a published price mainly means one thing: you can do the arithmetic before you pick up the phone. With four in ten candidates you cannot – and if five tools are on the shortlist, that costs two meetings on average before any comparison is even possible. In a selection process under time pressure, that is the real difference.
The second point is currency. Seven in ten price quotes are in US dollars. In a euro budget a dollar subscription is not a fixed cost line but an open position that moves with the rate – and on annual contracts it moves in one go. Anyone planning a software landscape should show the dollar positions separately.
Frequently asked questions
Which finance tools publish their price?
Of 306 tools reviewed, 185 state a concrete entry price. We selected twelve of them because they quote a monthly price and are relevant to a finance function in a mid-sized company: Qonto from 9 euros, Microsoft Dynamics 365 Business Central from 8 US dollars per user, Brex from 12 US dollars per user, Pennylane from 14 euros, Soldo from 21 pounds, Commitly from 55 euros, Float from 59 US dollars, Ledgy from 75 euros, ChartMogul from 99 US dollars, Tipalti from 99 US dollars, Jedox from 160 US dollars and Xentral from 199 euros per month.
How many finance tools do not publish a price?
121 of 306, or 39.5 per cent. 106 of those explicitly state “price on request”.
What does a finance tool really cost to start with?
The stated entry price is almost never the amount on the invoice. It usually covers one user, the smallest feature set and annual payment. Calculate with the number of people who actually need access, check whether the function you need is included in the entry tier, and budget separately for setup and data migration.
Why does currency matter for finance software?
77 per cent of the price quotes are in US dollars. A dollar-invoiced subscription is not a fixed cost line in a euro budget; it moves with the exchange rate. On annual contracts the rate hits the entire amount at once.
All 306 tools with their fact sheets are in the tool database. If you are selecting a system or replacing one: how we support selection and implementation.