The 12 best SaaS finance software & tools for 2025

In a nutshell, SaaS finance software can automate tedious tasks, provide valuable insights, and free up your team to focus on growth. But with so many options available, finding the right tools can feel like a chore.

This post explores the 12 best SaaS finance software solutions for 2025, breaking down their key features, ideal users, and pricing to help you make an informed decision.

Whether you're a startup looking for an all-in-one financial platform or an established company seeking to make your enterprise pricing processes smoother, we've got you covered.

Read on to learn:

• What SaaS finance software does and how it can benefit your business
• The top 12 SaaS finance platforms for 2025
• Key criteria to consider when choosing a solution
• Answers to FAQs about SaaS finance software

Let’s begin by explaining what SaaS finance software actually does.

What does SaaS finance software do?

SaaS finance software is like a trusty sidekick for your business's finances. It handles all the nitty-gritty tasks, like keeping track of invoices, automating billing, and making sure you get paid on time.

It can also give you a clear picture of your financial health, with helpful reports and dashboards that show you where your money is going and how your business is performing. Some even help you manage expenses, track subscription billing, and stay on top of taxes.

The best SaaS finance software: TL;DR

To help you make a better and more educated decision, here's a rundown of the top tools we've covered:

• Orb: The best SaaS finance software for SaaS and GenAI companies that need flexible pricing, accurate billing, and seamless scaling.
• Intuit QuickBooks: Best for small businesses and freelancers who need a reliable and easy-to-use accounting solution.
• Xero: Best for small businesses and startups that value collaboration and a modern interface.
• Bill.com: Best for businesses that want to automate accounts payable and receivable processes.
• NetSuite: Best for mid-sized and large businesses that need a comprehensive ERP system.
• Brex: Best for startups and high-growth companies that need a modern, all-in-one financial platform.
• Zuora: Best for businesses with a subscription-based model that need a robust platform to manage recurring revenue.
• Avalara: Best for businesses that need to automate tax compliance and reduce the risk of errors.
• Sage Intacct: Best for growing businesses that need a powerful financial management solution with strong automation capabilities.
• Baremetrics: Best for SaaS businesses that want to track key metrics and make data-driven decisions.
• Spendesk: Best for businesses that want to gain better control and visibility over their spending, including subscriptions.
• Upflow: Best for businesses that want to automate accounts receivable processes and improve cash flow.

How we chose the best SaaS finance software

Choosing the right SaaS finance software doesn’t have to be hard. To help you navigate the options, we evaluated the platforms in our list based on the following key criteria:

• Automation and efficiency: We looked for software that automates key financial tasks, such as invoicing, payments, and reporting. The best SaaS finance software should make your financial operations smoother and faster.
  
  
• Scalability and flexibility: Your finance software should be able to grow with your business. We considered platforms that can handle increasing transaction volumes, support different pricing models, and adapt to your evolving needs.
  
  
• Data and reporting insights: We prioritized platforms that provide clear, real-time insights into your financial data. Think customizable dashboards, detailed reports, and analytics tools that help you understand your financial performance.
  
  
• Compliance and security: Keeping your financial data secure and compliant with regulations is crucial. We evaluated platforms that prioritize data security, offer features like audit trails, and help you meet industry-specific compliance requirements.

Other important features we considered

We also evaluated several other important features. We looked for platforms that offer integrations with other business tools, such as CRM and ERP systems. Multi-currency and global support were also important considerations for businesses with international operations.

We assessed the platforms' ability to support customizable pricing models, including usage-based, tiered, and flat-rate subscriptions.

Effective dunning management and revenue recovery features were also important factors, as they help businesses reduce churn and maximize revenue. Finally, we prioritized platforms with transparent pricing structures that are easy to understand and budget for.

*Please note: The prices shown for each of these finance software tools were current at the time of publishing. For the latest pricing details, visit their respective websites.

The 12 best SaaS finance software and tools

1. Orb

Orb is a modern billing platform built for SaaS companies that need to play with pricing without causing a headache for their engineers. Imagine being able to change your pricing model as fast as your market changes, without messing up your invoices. That's Orb.

Features:

• Orb RevGraph: Think of this as the brain of Orb. It takes in all your usage data, every little bit, and keeps it organized. No more lost data means no more lost revenue.
• Orb SQL Editor: This tool lets you set up your pricing using SQL, or a visual builder, which means your finance and revenue teams can make changes without always bugging the engineers.
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• Automated invoicing: Orb handles all the tricky stuff, like multi-line invoices, discounts, and taxes. It also helps you make sure you're following all the rules for revenue recognition, so you don't have to worry about audits.
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• Progressive pricing rollouts and custom contracts: Want to try out a new pricing idea? Orb lets you test it on a small group first. Plus, it can handle those complicated enterprise contracts with ease.
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• Data and financial Integrations: Orb plays nice with your other tools, like data warehouses and CRMs. This means all your data stays connected, making your billing workflow smooth.

Ideal users

Orb is ideal for SaaS and GenAI companies that need a billing system that can keep up with their growth. If your finance team is tired of manual checks and wants detailed audit trails, Orb is for you. If your product team loves to experiment with pricing, they'll love Orb too. And if your engineering team wants to spend less time on billing, they'll thank you for choosing Orb.

Pricing

Orb offers custom pricing, so you'll need to reach out for a quote. They can tailor the cost to fit your specific needs.

Bottom line

Orb is a top-notch SaaS finance software choice for businesses that need serious pricing flexibility and accuracy. It's like having a billing system that can think on its feet, letting you focus on growing your business.

Orb's innovation in SaaS finance hasn't gone unnoticed — it's been recognized as the Best Fintech Startup of 2025 by the prestigious FinTech Breakthrough Awards (see announcement). Plus, Orb was named Best SaaS for Fintech in the 2025 Cloud Fintech Awards.

These industry recognitions highlight Orb’s commitment to pushing the boundaries of financial automation and billing intelligence. So, if you need dynamic monetization and want to avoid pulling your engineering team into every billing change, Orb is a great choice.

2. Intuit QuickBooks

QuickBooks is a popular accounting software that helps businesses manage their finances. It's been around for a long time and is known for its reliability.

Features:

• Invoicing: QuickBooks allows you to create customized invoices with your company logo and branding. You can track invoice statuses, send reminders, and even accept online payments.
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• Expense tracking: Capture receipts with your phone, categorize expenses, and track mileage for tax deductions. QuickBooks also integrates with popular credit cards for automatic expense import.
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• Payroll management: Calculate payroll taxes, generate paychecks, and file payroll tax forms electronically. QuickBooks also offers direct deposit and employee self-service portals.
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• Reporting: Generate a variety of financial reports, including profit and loss statements, balance sheets, and cash flow statements. You can customize reports to track specific metrics and gain insights into your business performance.

Ideal users

QuickBooks is a good fit for small businesses and freelancers who need a reliable and easy-to-use accounting software. It's particularly well-suited for businesses that require basic accounting functions like invoicing, expense tracking, and bank reconciliation.

Pricing

QuickBooks offers a variety of plans starting at $19 per month. They currently offer some hefty discounts, though low-tier plans are quite limited in terms of features.

Bottom line

QuickBooks is a reliable accounting solution that's well-suited for small businesses and freelancers. However, its limited scalability, outdated interface, and occasional customer support issues may make it less suitable for larger businesses or those with complex needs.

3. Xero

Xero is a cloud-based accounting software that's known for its user-friendly interface and collaborative features.

Features:

• Project tracking: Track time and expenses for specific projects, generate invoices based on project progress, and gain insights into project profitability.
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• Fixed asset management: Track and manage your fixed assets, including depreciation calculations and reporting.
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• Extensive app marketplace: Xero integrates with a vast ecosystem of third-party apps, allowing you to extend its functionality and connect with other business tools.

Ideal users

Xero can work wonders for small businesses and startups that want easy-to-use accounting software with strong collaboration features. It's also a good option for businesses that are comfortable working in the cloud and value a modern-looking interface.

Pricing

They offer a free trial to help you explore the platform before committing to a plan. Their first paid plan is $29 and there’s always some sale that lowers the price significantly.

Bottom line

Xero is a user-friendly and collaborative accounting platform that's ideal for small businesses and startups. Despite its strengths, its limited reporting customization, occasional performance issues, and integration limitations may be a concern for some users.

4. Bill.com

Bill.com is a platform that automates accounts payable and receivable processes, making it easier for businesses to manage their cash flow.

Features:

• Automated bill payments: Schedule and pay bills electronically via ACH, check, or international wire transfer. Bill.com also offers automated approval workflows to guarantee timely payments.
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• Invoice processing: Capture invoice data automatically using OCR technology, route invoices for approval, and track payment statuses in real time.
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• Payment processing: Accept online payments from customers via credit card or ACH, and reconcile payments with invoices automatically.
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• Document management: Store and manage all your financial documents, including invoices, bills, and receipts, in a secure and centralized location.

Ideal users

Bill.com is a good choice for businesses that want to automate their accounts payable and receivable processes and improve their cash flow management. It's particularly useful for companies with a high volume of invoices and bills.

Pricing

Bill.com offers a variety of plans starting at $45 per month, depending on your business needs and the features you require.

Bottom line

Bill.com can save businesses time and reduce errors by automating accounts payable and receivable processes. On the other hand, its pricing complexity, learning curve, and limited international functionality may be drawbacks for some businesses.

5. NetSuite

NetSuite is a comprehensive cloud-based ERP system that offers a wide range of features, including financial management, CRM, inventory management, and e-commerce.

Features:

• Financial management: Manage your core accounting functions, including general ledger, accounts payable, accounts receivable, and fixed asset management. NetSuite also offers budgeting, forecasting, and financial reporting tools.
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• Customer relationship management (CRM): Track leads, opportunities, and customer interactions. NetSuite's CRM also includes marketing automation and customer support features.
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• Inventory management: Track inventory levels, manage orders, and optimize your supply chain. NetSuite also offers warehouse management and demand planning capabilities.
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• E-commerce: Build and manage your online store, integrate with various payment gateways, and track your online sales performance.

Ideal users

NetSuite is a good fit for mid-sized and large businesses that need a complete ERP system to manage their entire operations. It's also a good option for companies that are growing rapidly and need a scalable solution.

Pricing

NetSuite's pricing is customized based on your business needs and the modules you require. Because of that, you’ll first need to take a product tour in order to get pricing info.

Bottom line

NetSuite is a powerful and feature-rich ERP system that can facilitate business processes and provide valuable insights. Nevertheless, its high cost, complex implementation, and steep learning curve may make it less accessible for smaller businesses or those with limited resources.

6. Brex

Brex is a financial platform that offers corporate cards, expense management, and banking services designed for startups and high-growth companies.

Features:

• Corporate cards: Brex offers corporate cards with high limits, rewards programs, and no personal guarantee requirements. They also offer virtual cards for online transactions and better security.
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• Expense management: Automate expense reporting and approvals with real-time tracking, receipt capture, and integration with accounting software.
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• Banking services: Open a business bank account with no fees, integrated cash flow management tools, and access to venture debt financing.
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• Spend management: Set spending limits, track expenses by department or project, and gain insights into your spending patterns.

Ideal users

Brex is a good choice for startups and high-growth companies that need a modern, all-in-one financial platform with flexible spending options and rewards programs.

Pricing

Brex has a free Essentials tier with limited functionalities. Their paid tier is called Premium and costs $12 per user / per month.

Bottom line

Brex offers a modern and user-friendly financial platform with innovative features and rewards programs. Although it has many advantages, its recent focus shift towards larger companies, limited traditional banking features, and customer service concerns may be drawbacks for some businesses.

7. Zuora

Zuora is a subscription management platform that helps businesses manage their recurring revenue, billing, and customer lifecycle.

Features:

• Subscription billing: Automate recurring billing and invoicing, support various pricing models, and handle proration and discounts.
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• Revenue recognition: Guarantee compliance with ASC 606 and IFRS 15 standards with automated revenue recognition and reporting.
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• Quote-to-cash: Facilitate your sales process from quote to cash with automated workflows, approvals, and contract management.
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• Analytics and reporting: Track key subscription metrics, such as MRR, churn, and CLTV, and gain insights into customer behavior and revenue trends.

Ideal users

Zuora is a solid choice for businesses with a subscription-based model that need a robust platform to manage their recurring revenue and customer lifecycle. It's particularly useful for companies with complex pricing models or high transaction volumes.

Pricing

Zuora's pricing is not publicly available. You’ll need to talk to an expert in order to get pricing information.

Bottom line

Zuora is a robust platform for managing subscriptions and recurring revenue, but its complexity, cost, and limited customization options may make it less suitable for smaller businesses or those with simpler needs.

8. Avalara

Avalara is a tax-compliance platform that helps businesses automate their sales tax, VAT, and other tax calculations and filings.

Features:

• Sales tax automation: Calculate and file sales tax returns automatically, guaranteeing accuracy and compliance with various tax jurisdictions.
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• VAT compliance: Manage VAT compliance for international transactions, including calculating VAT rates and generating VAT invoices.
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• Exemption certificate management: Collect and manage exemption certificates electronically, reducing manual effort and securing compliance.
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• Address validation: Validate customer addresses to confirm accurate tax calculations and avoid penalties.

Ideal users

Avalara is a fine choice for companies that need to automate their tax compliance and reduce the risk of errors and penalties. It's particularly useful for companies that sell online or across state lines.

Pricing

Avalara's pricing is only available through a direct consultation. You’ll need to fill out a quick form to also get a demo and discuss which integrations you’ll need.

Bottom line

Avalara can automate tax compliance and reduce the risk of errors. However, accuracy concerns, customer support challenges, and integration limitations may be a deterrent for some businesses.

9. Sage Intacct

Sage Intacct is a powerful cloud financial management tool that provides automation, a high level of data visibility, and a customizable dashboard.

Features:

• Subscription billing: Sage Intacct offers flexible subscription billing options, including automated recurring invoices, support for various pricing models (flat-rate, usage-based, tiered), and proration handling.
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• Contract management: Manage the entire contract lifecycle, from creation and negotiation to renewals and amendments. Sage Intacct helps businesses track key contract details, automate renewals, and ensure compliance.
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• Project accounting: Track project budgets, expenses, and revenue. Plus, generate detailed project reports to gain insights into project profitability and performance.
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• Dynamic allocations: Automate complex allocations of expenses and revenue across departments, projects, and other dimensions. This feature helps businesses accurately allocate costs and revenue for better financial reporting and analysis.

Ideal users

Sage Intacct is suitable for growing businesses, particularly in SaaS industries, financial services, and professional services that need a complete financial management solution with strong subscription billing, contract management, and revenue recognition capabilities.

Pricing

Sage Intacct requires you to contact them in order to get pricing info.

Bottom line

Sage Intacct is a powerful financial management solution with strong features and automation capabilities. Despite its strengths, its limited mobile accessibility, reporting complexity, and customization costs may be drawbacks for some companies.

10. Baremetrics

Baremetrics is a business intelligence platform designed specifically for SaaS businesses. It provides in-depth insights into key metrics, helping companies understand their financial performance, customer behavior, and growth trajectory.

Features:

• MRR tracking: Baremetrics tracks your Monthly Recurring Revenue (MRR) in real time, providing a clear view of your recurring revenue streams. It breaks down MRR by various dimensions, such as new subscriptions, upgrades, downgrades, and churn.
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• Churn analysis: Analyze your customer churn rate with detailed breakdowns and cohort analyses. Identify at-risk customers, understand the reasons behind churn, and take steps to improve customer retention.
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• Forecasting: Baremetrics uses historical data and trends to generate accurate financial forecasts, helping you anticipate future revenue and plan for growth.
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• Segmentation and filtering: Segment your customer base by various attributes, such as plan type, subscription date, or location, to gain deeper insights into specific customer groups.

Ideal users

Baremetrics is a good choice for SaaS businesses of all sizes that want to gain a deeper understanding of their financial performance, customer behavior, and growth drivers. It's particularly useful for companies that want to track key SaaS metrics, such as MRR, churn, and LTV, and make data-driven decisions.

Pricing

You get a 14-day free trial, but Baremetrics pricing depends on your current MRR. They have a slider that estimates how much you’ll likely spend per month. The minimum you are expected to pay is $129 a month billed monthly for $0k MRR.

Bottom line

Baremetrics provides valuable insights into SaaS metrics, but its limited functionality for non-SaaS businesses, occasional data delays, and limited customer support channels can be deal-breakers.

11. Spendesk

Spendesk is a spend management platform that helps businesses gain control and visibility over their expenses, including subscriptions. It offers a suite of tools to manage company cards, automate invoice processing, streamline expense reporting, and optimize budgets.

Features:

• Invoice automation: Automate invoice processing, approvals, and payments with customizable workflows. Spendesk automatically captures invoice data, matches it with purchase orders, and routes it for approval, reducing manual effort and errors.
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• Expense reporting: Simplify expense reporting with features like receipt capture, automated approvals, and mileage tracking. Spendesk integrates with accounting software to streamline reconciliation and reimbursement processes.
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• Budgeting and control: Set budgets for departments, projects, or individuals, and track spending in real-time. Spendesk provides alerts and notifications to help businesses stay within budget and avoid overspending.
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• Subscription management: Gain a centralized view of all your SaaS subscriptions, track renewal dates, and manage recurring payments. Spendesk helps businesses optimize their SaaS spending and avoid excessive costs.

Ideal users

Spendesk is a good choice for businesses of all sizes that want to gain better control and visibility over their spending, including subscriptions. It's particularly well-suited for companies that want to simplify expense management and automate invoice processing.

Pricing

Spendesk’s pricing can only be accessed after booking a demo.

Bottom line

Spendesk provides a user-friendly platform with a full set of features. While it offers many benefits, its limited free trial, reliance on third-party cards, and limited offline functionality are less than ideal.

12. Upflow

Upflow is a platform that helps businesses automate their accounts receivable processes and improve their cash flow. It focuses on simplifying invoicing, payment collection, and customer communication to reduce late payments and optimize revenue collection.

Features:

• Automated invoicing: Upflow allows you to create and send invoices automatically, with customizable templates and branding options. It also supports recurring invoicing for subscription-based businesses.
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• Payment processing: Accept online payments from customers via various payment gateways, such as Stripe and PayPal. Upflow automatically reconciles payments with invoices, reducing manual effort and errors.
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• Smart dunning management: Upflow's dunning management feature goes beyond basic automated reminders. It uses intelligent algorithms to personalize dunning communication based on customer behavior and payment history.
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• Detailed reporting and analytics: Track key accounts receivable metrics, such as days sales outstanding (DSO) and collection effectiveness index (CEI), to gain insights into your cash flow and spot areas for improvement.

Ideal users

Upflow is a fine choice for businesses that want to automate their accounts receivable processes, reduce late payments, and improve their cash flow. It's particularly useful for companies with a high volume of invoices or recurring subscriptions.

Pricing

Upflow has a free Discover tier, and paid plans start at $489 a month. Take into account that you’re gaining access to the entire platform — that’s why it’s rather pricey.

Bottom line

Upflow can help businesses improve their cash flow and automate accounts receivable processes. On the flip side, its limited integrations, reporting limitations, and onboarding challenges turn it into a no-go option.

FAQs

How do SaaS companies handle revenue recognition?

SaaS companies often follow the ASC 606 or IFRS 15 accounting standards for revenue recognition. These standards require revenue to be recognized over the period of service, rather than upfront, and SaaS finance software can automate this process to ensure compliance.

How do SaaS finance platforms help with tax compliance?

SaaS finance platforms can automate tax calculations and filings, confirming that businesses comply with various tax regulations. They can also help manage exemption certificates and validate customer addresses to minimize errors and penalties.

Can SaaS companies reduce revenue churn with finance software?

Yes, SaaS finance software can help reduce revenue churn through features like dunning management and automated payment retries. These features help recover failed payments and reduce involuntary churn, leading to greater customer success.

What vital integrations should my SaaS finance software have?

Your SaaS finance software should integrate with key business tools like your CRM, payment gateways, and accounting software. Such integrations guarantee data flow and eliminate the need for manual data entry.

Bill accurately and build stronger customer relationships with Orb

Throughout this post, we've explored a variety of SaaS finance software and tools designed to help businesses manage their financial operations.

While each platform offers valuable features, Orb stands out with its unique approach to usage-based pricing and billing, helping SaaS companies achieve greater financial agility and accuracy. Here's how Orb goes beyond basic subscription management:

• Guidance from experts: Orb provides dedicated support, industry expertise, and ongoing optimization to help you navigate the intricacies of usage-based pricing and billing. They act as a trusted partner, offering strategic guidance at every step of the way.
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• Risk-free pricing experimentation: With the newly announced Orb Simulations feature, you can test and optimize pricing using real data before making live changes, ensuring smarter decisions without revenue disruption. You can join the waitlist now for early access.
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• Built for scale: Orb's modular platform is designed to grow with your business. It handles high-volume data ingestion with ease, allows for data querying with the Orb SQL Editor, and provides built-in functions like Orb Billing, Orb Invoicing, and Orb Reporting — all built on top of your usage data.
  
  Orb also integrates with your existing financial stack and provides built-in revenue analytics to support data-driven decisions.
• Pricing flexibility: Orb's Rev Graph architecture decouples usage data from pricing metrics, allowing you to experiment with different pricing models and adapt to change effortlessly.
  
  You can launch new pricing structures without relying on engineering resources, test pricing changes using historical data, and support all modern pricing models (usage-based, subscription-based, hybrid) with ease.
• Easy integrations: Orb integrates with many tools you may already have to get even more out of them, including AWS Marketplace, Azure Marketplace, Google Cloud, QuickBooks and more.
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• Accuracy guaranteed: Orb's Rev Graph processes all raw event data, offering precise and error-free billing. It helps eliminate revenue leakage and billing inaccuracies that can damage customer trust.

With Orb, you get a complete audit trail for every calculation, usage monitoring, and ideal alignment between product usage and billing data.

Ready to take the next step toward SaaS billing accuracy? Explore Orb's flexible tier options to find the perfect plan for your business.