Small Business and Side Hustle Budgeting Tools
Once a side hustle starts generating real revenue, personal budgeting apps stop being enough. These tools separate business and personal spending, track deductible expenses, estimate quarterly taxes, and generate the profit and loss statements a solo founder or Etsy seller needs come tax season.
- 1
Budgeting and invoicing software from the Zoho suite, offering expense management and accounting for small businesses at competitive pricing.
- 2
Free invoicing software for freelancers with unlimited clients, expenses, and time tracking without client limits.
- 3
Cloud bookkeeping for e-commerce sellers with automatic categorization, expense tracking, and tax-ready reports
- 4
Cloud-based accounting platform that's popular with small businesses for budgeting, bank reconciliation, and cash-flow forecasting.
- 5
Free invoicing with recurring bills, payment reminders, and built-in ACH and card payment processing
- 6
International business banking with expense tracking, multi-currency support, and employee card management for remote teams
- 7
Desktop accounting with invoicing, inventory tracking, payroll, and comprehensive financial reporting
- 8
Free accounting and invoicing software owned by H&R Block, with optional paid add-ons for payments and payroll processing.
- 9
Expense management automation with AI receipt processing, categorization, and sync to QuickBooks or Xero.
- 10
All-in-one platform managing business invoicing, expenses, and budgets alongside personal finances in a single app.
- 11
Cloud accounting platform for freelancers and small service businesses, featuring time tracking, invoicing, and expense and budget reporting.
- 12
Time tracking with automatic trip detection and invoice generation for freelancers tracking billable hours
- 13
Automatic mileage tracking for business and tax deductions with GPS-powered trip detection and IRS-compliant reporting.
- 14
Business banking with integrated expense tracking, financial workflows, and QuickBooks/Xero sync for startups
- 15
IRS-authorized 1099-NEC and 1099-MISC filing with W-9 collection and bulk e-filing for contractors
- 16
Client and financial management platform for creatives combining invoicing, payments, and budget tracking.
- 17
Freelancer banking that automatically categorizes write-offs and estimates quarterly tax liability.
- 18
Cloud accounting with automatic bank reconciliation and expense categorization for small business owners
- 19
The leading small-business accounting platform combining budgeting, expense tracking, invoicing, and cash-flow planning in one comprehensive tool.
- 20
Time tracking and invoicing platform that converts billable hours into professional client invoices
- 21
AI-powered expense detection paired with human tax professionals handling self-employment and quarterly taxes
- 22
Bookkeeping service that pairs software with human accountants to manage monthly books and budgets.
- 23
All-in-one platform for freelancers combining proposals, contracts, invoicing, and time tracking
- 24
Receipt scanning and expense tracking with automatic categorization and bank feed connections for self-employed.
- 25
Business banking built for freelancers with automatic expense categorization and tax bucket savings.
- 26
Free invoicing and bookkeeping for freelancers with time tracking and project-based billing
- 27
Desktop accounting for service businesses with time billing, invoicing, and job-level cost tracking
- 28
Time tracking, invoicing, and expense management for freelancers with project-based billing and profitability tracking.
- 29
Cash flow forecasting tool that syncs with Xero and QuickBooks to predict 13-week and monthly positions
- 30
Free invoicing and accounting with expense tracking, time tracking, and ability to re-invoice clients for expenses.
- 31
UK and EU accounting software with invoicing, VAT management, and automatic payment reminders
- 32
Simple cloud accounting with automatic bank feeds, expense tracking, and unlimited users
- 33
Freelancer business management combining invoicing, contracts, time tracking, and profit/loss reporting.
- 34
Receipt scanner and expense tracker with automatic categorization and tax-compliant storage
- 35
Full-service virtual bookkeeping for self-employed with 1099 filing, quarterly tax prep, and entity formation guidance
- 36
AI-powered invoicing and bookkeeping for freelancers with automatic categorization and tax tracking
- 37
Free desktop accounting with double-entry bookkeeping and financial reporting for all platforms
- 38
IRS-approved 1099 filing platform for high-volume filing with support for 1099-NEC, 1099-MISC, and 1098 forms
- 39
Free open-source invoicing and accounting with expense tracking, double-entry accounting, and multi-company support
- 40
Mileage and expense tracking app that maximizes tax deductions for gig workers and small business owners.
- 41
Free cloud accounting for UK small businesses with invoicing, expense tracking, tax estimations, and VAT compliance
- 42
Free UK accounting software with invoicing, expense tracking, and automatic bank feeds for small businesses
Frequently asked questions
How can I manage both my business and personal finances in one place?
You can use an all-in-one platform like Quicken Business & Personal to manage business invoicing and expenses alongside your personal budgets in a single app. Other tools focus strictly on business accounting or banking for freelancers and small businesses.
Are there free options available for invoicing and basic accounting?
Yes, there are several free options. Zoho Invoice offers free invoicing and time tracking for freelancers, while Wave provides free accounting and invoicing software with optional paid add-ons for payroll or payments. Square Invoices also offers free invoicing features.
Can these tools help me prepare for tax season?
Many of these tools help with tax readiness by tracking deductible expenses and generating reports. Some specialized freelancer banking options even estimate your quarterly tax liability automatically.
I sell products online. Is there software specifically for e-commerce or inventory?
GoDaddy Bookkeeping offers cloud bookkeeping designed for e-commerce sellers with automatic categorization and tax-ready reports. If you need to manage physical stock, Sage 50 provides desktop accounting that includes inventory tracking.
What if I work with international clients and need to handle different currencies?
Wise Business provides international business banking that includes multi-currency support and expense tracking. This is a helpful option for remote teams or those operating across borders.