8 Helpful Finance Apps for Small Business Owners

Last updated: February 8, 2026Reviewed date: February 8, 2026Reading time: 6 min read

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Without a doubt, people who run small businesses have more than just their jobs, day-to-day deliverables, and client requests on their plates; they inevitably have lots of financial information, receipts, data, and calculations to keep track of. Sometimes, they may face problems while drawing up a budget or tracking personal and office expenditures—things that can greatly affect an independent business owner’s bottom line. Moreover, living...

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Emergency safety firstUrgent warning signs are highlighted below.

Seek urgent medical care if you notice

These warning signs are general safety guidance. Local emergency numbers and clinical judgment should always come first.

Severe symptoms, breathing difficulty, fainting, confusion, or rapidly worsening illness.
New weakness, severe pain, high fever, or symptoms after a serious injury.
Any symptom that feels urgent, unusual, or unsafe for the patient.

Emergency now

Use emergency care for severe, sudden, rapidly worsening, or life-threatening symptoms.

See a doctor

Book a professional medical evaluation if symptoms persist, worsen, recur often, affect daily activities, or occur in a high-risk patient.

Learn safely

Use this article to understand possible causes, tests, treatment options, prevention, and questions to ask your clinician.

Fortunately, there’s an array of mobile apps to help manage finances, trade, or keep an eye on a budget while doing business or traveling.

In September of 2016, users downloaded around 130 billion apps from the App Store alone, and about 2.23% of those downloaded were financial apps. This data is proof that these types of apps are gaining popularity. In a way, they’ve become so-called digital advisors that can give tips on when and how to spend funds, how to detect amounts of “misspent” money, and more.

Some apps even have algorithms that can automate processes or notify users when they are on the brink of making a costly mistake.

However, while looking for the best financial apps, it’s important to consider a broad array of features:

Does the app help you to reach your goals (whether that’s expenditure tracking or tax payments alerts)?
Is the app equipped with high-level security and fast real-time execution?
What do you need from the app, a friendly user interface or more advanced technological features?

Here are the top 8 financial apps designed to help you to run your small business or manage personal finances as a freelancer.

IRS2Go

IRS2Go by the Internal Revenue Service (IRS) is perfect for those who dread tax season. It easily deals with tax reports by tracking returns, checking the refund status, making payments, and allows you to locate free tax preparation assistance. It also includes secure payment processing through your banking account.

The app uses your location to help you seek nearby Volunteer Income Tax Assistance (VITA) or Tax Counseling for the Elderly (TCE). IRS2Go also enables you to make phone calls to the IRS or VITA/TCE locations. One thing to note: the app isn’t able to store the Social Security number (SSN) due to security risks—it has to be entered manually. IRS2Go is available for free on iPhone and Android.

Mint: Money Manager

Mint: Money Manager helps you plan your budget and reduce expenses with accurate, automatic calculations. It can track all of your financial operations via your banking accounts and also can be set up to receive bill reminders. The beauty of this app is that it’s integrated with all major Canadian and US financial institutions and banks. Mint reminds you of upcoming bills and can automatically pay them for you (if necessary). Also, Mint suggests financial accounts with the best interest rates and can provide valuable advice on managing finances not only for your business but also for you and your family.

As for the app’s cons, as of right now it’s only available to Americans and Canadians, and it also has no percentage-based savings goals. Mint is available for iPhone or Android for free and can be synchronized with Apple Watch.

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Goodbudget

Goodbudget is a useful envelope budgeting app. It’s also been downloaded more than 1 million times and has earned the reputation of a faithful companion in preparing financial reports and analyzing expenditures. All of the transactions conducted within your business framework are synced with the cloud. Moreover, you’re granted email support and 5 years of the stored transaction history.

Users can apply tools like “Bill Keeper” and “Capital One Wallet” to keep up with upcoming bills and procurement processes. It’s synced with multiple devices, giving you a chance to share info with budgeting partners. The app doesn’t have a demo version, so, before choosing its paid version and installing it, it’s best to watch some videos to understand whether it meets your needs. Goodbudget is available on both the App Store and Google Play.

MoneyBook

MoneyBook by No identity has a simple and attractive interface. Download this app on your mobile phone you can track all the monetary operations in the form of animated statistics. MoneyBook holds profit and expense info and makes precise calculations in the currency you need.

It supports an array of languages, including English, Spanish, Italian, German, French, Russian, Finnish, Swedish, Dutch, and Chinese. In case you lose your mobile phone, feel secure using its free cloud backup. As of the time of this article, MoneyBook is available only for iPhone users at the price of $2.99.

Simple Loan Calculator

Simple Loan Calculator by Clean Micro is a good fit for small business owners with loans. With this mobile app, you can enter your profit value and get info on affordable loan amounts you can spend within a certain period.

In addition, this calculator can be useful for those who deal with credit sales. The app is free and easy to use but lacks graphs that could simplify financial information. Currently, it can be downloaded only from the App Store.

Learn: How to Invest in Stocks

Learn: how to invest in stocks by Rubicoin, Ltd. is a great tool for novice investors. It’s a free app with a user-friendly design that teaches you how to invest step by step. With this app, you can enjoy 40 lessons of original content that outline the basics of investing in the stock market. If you prefer, you can listen to the audio-only versions on the go and mark what you already learned to track your progress. Download the app for both iPhone and Android.

Toshl Finance

Toshl Finance is a handy expense tracking tool for small business owners. As a budget keeper and bill organizer, the app monitors expenses under the same account, filters budgets by categories and tags, and exports PDFs, Excel spreadsheets, Google Docs, and CSV reports. Other Toshl Finance features include support for 165 currencies (with real-time exchange rates) and cloud syncing, so you don’t have to worry about losing spending histories.

Toshl Finance nicely displays the info, providing charts, expense locations maps, graphs, and notifications when you approach your budget limits, repeated expenses/income within a custom period, photos of receipts, and more. Download it for iPhone or Android.

Venmo

Venmo is a handy app for sending and receiving money. Forbes calls it a “crown jewel” financial app, and there’s a good reason why. Use a recipient’s name, @username, email, or phone number to send money immediately. The app won’t allow you to forget your or your partners’ debts, as it stores all the necessary info. It’s also possible to sync Venmo with Facebook or phone contacts.

Beyond that, personal financial info is highly protected thanks to encryption. You can find Venmo on the App Store or Google Play.
Each mobile app is useful in its way as it responds to certain needs and requirements. This by no means covers the full list of available apps that can be used by individuals and small businesses to plan and control budgets, expenditures, and investments. Need something that’s not already out there? You can turn to mobile development experts with experience with a financial app developer who can create something fresh and unique by combining some features and functions of the above-mentioned apps.

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A rural-friendly guide: warning signs, when to see a doctor, related articles, tests to discuss, and OTC safety education.

1 Symptom 2 Severity 3 Safe guidance

First safety question

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Start here: Write or select a symptom. The guide will show warning signs, doctor guidance, diagnostic tests to discuss, OTC safety education, and related RX articles.

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Safety note: This is not a prescription or diagnosis. For severe symptoms, pregnancy danger signs, children with serious illness, chest pain, breathing difficulty, stroke-like weakness, or major injury, seek urgent care.

Which doctor may help?

Start with a registered doctor or the nearest qualified health center.

What to tell the doctor

Write when the problem started and how it changed.
Bring old prescriptions, investigation reports, and current medicines.
Write allergies, pregnancy status, diabetes, kidney/liver disease, and major past illnesses.
Bring one family member if the patient is weak, elderly, confused, or a child.

Questions to ask

What is the most likely cause of my symptoms?
Which danger signs mean I should go to hospital quickly?
Which tests are necessary now, and which can wait?
How should I take medicines safely and what side effects should I watch for?
When should I come for follow-up?

Tests to discuss

Vital signs: temperature, pulse, blood pressure, oxygen saturation
Basic physical examination by a clinician
CBC, urine test, blood sugar, or imaging only when clinically needed

Avoid these mistakes

Do not use antibiotics, steroid tablets/injections, or strong painkillers without proper medical advice.
Do not hide pregnancy, kidney disease, ulcer, allergy, or blood thinner use.
Do not delay emergency care when danger signs are present.

Medicine safety and first-aid guide

This section is for patient education only. It does not replace a doctor, pharmacist, or emergency care.

Safe first steps

Rest, drink safe water, and observe symptoms carefully.
Keep a written note of symptoms, duration, temperature, medicines already taken, and allergy history.
Seek medical care quickly if symptoms are severe, worsening, or unusual for the patient.

OTC medicine safety

For mild pain or fever, ask a registered pharmacist or doctor before using common over-the-counter pain/fever medicines.
Do not combine multiple pain medicines without advice, especially if you have kidney disease, liver disease, stomach ulcer, asthma, pregnancy, or take blood thinners.
Do not give adult medicines to children unless a qualified clinician advises it.

Avoid these mistakes

Do not start antibiotics without a proper medical decision.
Do not use steroid tablets or injections casually for quick relief.
Do not delay emergency care because of home remedies.

Get urgent help if

Severe symptoms, confusion, fainting, breathing difficulty, chest pain, severe dehydration, or sudden weakness need urgent medical care.

Medicine names, dose, and timing must be decided by a qualified clinician or pharmacist after checking age, pregnancy, allergy, other diseases, and current medicines.

For rural patients and family caregivers

Patient health record and symptom diary

Write your symptoms, medicines already taken, test results, and questions before visiting a doctor. This note stays on your device unless you print or copy it.

Doctor to discuss: Doctor / qualified healthcare provider

Tests to discuss with doctor

Basic vital signs: temperature, pulse, blood pressure, oxygen level if needed
Relevant blood, urine, imaging, or specialist tests only after clinical assessment

Questions to ask

What is the most likely cause of my symptoms?
Which warning signs mean I should go to emergency care?
Which tests are really needed now?
Which medicines are safe for my age, pregnancy status, allergy, kidney/liver/stomach condition, and current medicines?

Emergency warning signs such as chest pain, severe breathing difficulty, sudden weakness, confusion, severe dehydration, major injury, or loss of bladder/bowel control need urgent medical care. Do not wait for online information.

Go to emergency care if you notice:

Severe or rapidly worsening symptoms
Breathing difficulty, chest pain, fainting, confusion, severe weakness, major injury, or severe dehydration

Doctor / service to discuss: Qualified healthcare provider; specialist depends on symptoms and examination.

Step 1
Check danger signs first
If danger signs are present, seek emergency care and do not wait for online information.
Step 2
Record the symptom story
Write when symptoms started, severity, medicines already taken, allergies, pregnancy status, and test results.
Step 3
Visit a qualified clinician
A doctor, nurse, or qualified healthcare provider can examine you and decide which tests or treatment are needed.
Step 4
Do only useful tests
Do tests after clinical assessment. Avoid unnecessary tests, random antibiotics, or repeated medicines without diagnosis.
Step 5
Follow up and return early if worse
If symptoms worsen, new warning signs appear, or treatment is not helping, return for review quickly.

Rural patient practical tips

Take a written symptom diary and all previous prescriptions/test reports.
Do not hide medicines already taken, even herbal or over-the-counter medicines.
Ask which warning signs mean urgent referral to hospital.

This roadmap is for education. A real diagnosis and treatment plan requires history, examination, and clinical judgment.

RX Patient Help

Ask a health question safely

Write your symptom story. A health professional or site editor can review it before any answer is prepared. This box is not for emergency care.

Emergency first: Severe chest pain, breathing trouble, unconsciousness, stroke signs, severe injury, heavy bleeding, or rapidly worsening symptoms need urgent local medical care now.

Frequently Asked Questions

Is this article a replacement for a doctor?

No. It is educational content only. Patients should consult a qualified clinician for diagnosis and treatment.

When should I seek urgent care?

Seek urgent care for severe symptoms, rapidly worsening condition, breathing difficulty, severe pain, neurological changes, or any emergency warning sign.

References

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8 Helpful Finance Apps for Small Business Owners

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