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Top Rated Budgeting Software with Expense Tracking in 2026

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Verified reviewer profile picture

All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: February 2026

Expense tracking allows businesses to monitor spending, identify unnecessary costs, and make informed budget adjustments. It facilitates accurate financial reporting, simplifies tax preparation, supports cash flow management, and helps in planning for future expenditures. Our reviewers in budgeting software rated this feature as highly important.

4 Best Budgeting Software with Expense Tracking

  • Xero
  • Quicken
  • QuickBooks Online Advanced
  • QuickBooks Online - Highest rated for expense tracking

See other top Budgeting products with expense tracking

How we picked the 4 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the budgeting software category. They also needed to have sufficient reviews about expense tracking, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for the product with the highest rating for expense tracking based on our proprietary ratings and reviews. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 4 best products

Xero logo

Xero

4.4
(3.2K)
visit website

User insights about the expense tracking feature

Reviewers appreciate Xero's expense tracking capabilities, noting its ease of use and integration with bank accounts and corporate cards. They find it simple to capture, categorize, and generate reports on expenses. Users value the mobile app for on-the-go expense tracking and the ability to automate processes with integrations like Brex. However, some users mention limitations in reporting and the need for manual adjustments. Overall, they find Xero helpful for financial control, tax compliance, and cash flow management.
“A beneficial feature of Xero is the ability to track expenses on the go. I can record expenses right away using the Xero app by taking a photo of the receipt, therefore allowing me to go paperless.”
BP

Belinda P.

Freelancer

“Xero's "Expense Tracking" helps with financial control, tax compliance, informed decision-making, and improved cash flow management. ”
Verified reviewer profile picture

Anna F.

Administrator

Budgeting key features coverage

Xero offers 6 out of the 6 key features for Budgeting software identified by reviewers:

Reporting/Analytics4.5
Data Import/Export4.4
Profit/Loss Statement4.7
Income & Balance Sheet4.6
Billing & Invoicing4.6
General Ledger4.4

Pros and cons based on 3,250 verified reviews

60% of users rated Xero 5 out of 5 stars, while 5% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 3,250 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Cons:

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details

Pricing

Starting price:$25 flat rate/per month|Free version:Not available|Free trial:Available

Prices may vary depending on the number of users and features.

Quicken logo
3.9
(459)

User insights about the expense tracking feature

Reviewers highlight Quicken's simplicity and effectiveness in tracking expenses. They appreciate the ability to create custom categories, generate detailed reports, and monitor financial health. Users find it easy to classify and code expenses, and they value the software's role in budgeting and tax preparation. Some users mention occasional crashes, but overall, they find Quicken reliable for tracking multiple categories of spending and maintaining financial control.
“It's very simple to keep track of expenses using Quicken. As long as you create the proper categories and utilize them appropriately, it is a very simple task to keep track of expenses.”
TS

Teresa S.

Director of development

“Quicken allows users to track all of their expenses, allowing them to quickly and easily monitor their financial health.”
DN

Debbie N.

Manager

Budgeting key features coverage

Quicken offers 2 out of the 6 key features for Budgeting software identified by reviewers:

Reporting/Analytics
Data Import/Export
Profit/Loss Statement
Income & Balance Sheet
Billing & Invoicing3.9
General Ledger4.3

Pros and cons based on 459 verified reviews

40% of users rated Quicken 5 out of 5 stars, while 15% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 459 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Simplified tax reporting

Comprehensive expense tracking

Versatile accounting software

Effective budgeting tools

Ideal for small businesses

Cons:

Frequent bugs and crashes

Problematic updates and versions

Subscription model drawbacks

Issues with bank account management

See pros and cons details

Pricing

Starting price:$47.88 flat rate/per year|Free version:Not available|Free trial:Not available

Prices may vary depending on the number of users and features.

QuickBooks Online Advanced logo
4.4
(1K)

User insights about the expense tracking feature

Reviewers appreciate QuickBooks Online Advanced's expense tracking capabilities, highlighting its ease of use and integration with bank accounts and credit cards. They find it simple to categorize expenses, scan and upload receipts, and generate detailed reports. Users report that it helps with budgeting, effective billing, and invoicing. However, some users mention difficulties with tracking expenses for specific funding sources and the need for manual adjustments. Overall, they value the time saved and the visibility into business expenses provided by the software.
“This feature works pretty well--we don't use it directly for tracking employee expense submissions, but having our card & bank account integrations (of which QBO has a wide array of options) makes it much easier to manage each day's transactions.”
CF

Cody F.

Finance Director

“All of my purchases that I use my business debit or credit cards anre automatically tracked in QB Online Advanced. I can easily run an expense report for any selected date range. ”
ST

Shannon T.

Owner operator

Budgeting key features coverage

QuickBooks Online Advanced offers 6 out of the 6 key features for Budgeting software identified by reviewers:

Reporting/Analytics4.6
Data Import/Export4.1
Profit/Loss Statement4.6
Income & Balance Sheet4.6
Billing & Invoicing4.4
General Ledger4.4

Pros and cons based on 1,035 verified reviews

60% of users rated QuickBooks Online Advanced 5 out of 5 stars, while 4% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 1,035 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Convenient remote access

Efficient bookkeeping

Comprehensive tracking features

Robust financial management

Organized multi-entity management

Cons:

Challenging issue resolution

Limited desktop version compatibility

High costs and confusing pricing

Inconsistent customer service

Subpar mobile accessibility

See pros and cons details

Pricing

Starting price:$235 flat rate/per month|Free version:Not available|Free trial:Available

Prices may vary depending on the number of users and features.

QuickBooks Online logo
4.3
(8.3K)

User insights about the expense tracking feature

Users find QuickBooks Online's expense tracking feature highly efficient and automated, with the ability to pull expenses from bank accounts, categorize them, and generate real-time reports. They appreciate the ease of uploading receipts, creating custom expense categories, and running detailed expense reports. Reviewers mention the importance of this feature for budgeting, tax preparation, and financial control. However, some users experience issues with miscategorization and lag time. Integrations with Concur and Bill.com are noted as beneficial for managing expense reports.
“Very good and impressive- Expense tracking on QuickBooks allows you to easily categorize expenses, generate reports, and claim deductions. It can save time, reduce errors, and improve tax compliance.”
LS

Lisa S.

CMO

“I can monitor the companies expenses effortlessly using this feature. It allows for us to see the categories of expenses too so we are aware where we are spending the company's funds the most. ”
LM

Llana M.

Online Instructor

Budgeting key features coverage

QuickBooks Online offers 6 out of the 6 key features for Budgeting software identified by reviewers:

Reporting/Analytics4.5
Data Import/Export4.4
Profit/Loss Statement4.6
Income & Balance Sheet4.5
Billing & Invoicing4.4
General Ledger4.4

Pros and cons based on 8,328 verified reviews

57% of users rated QuickBooks Online 5 out of 5 stars, while 5% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 8,328 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Cons:

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Pricing

Starting price:$38 flat rate/per month|Free version:Not available|Free trial:Available

Prices may vary depending on the number of users and features.

Other Top Rated Budgeting Software with Expense Tracking in 2026

QuickBooks Online logo
Category Leaders

Accounting and business management software

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Read more about QuickBooks Online

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Xero logo
Category Leaders

Cloud-based accounting software for small businesses

Use Xero's Budget Manager to prepare budgets and compare against performance for selected periods. Create an overall budget as well as multiple sub-budgets.

Read more about Xero

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Workday HCM logo

Human capital management system

Workday HCM is an HR solution that helps organizations manage the global workforce. The system supports companies of all sizes, enabling organizations to comply with local regulations. Workday HCM features embedded AI insights that give organizations an understanding of the workforce. Using machine learning, the software enables teams to analyze employee data to deliver personalized recommendations, helping HR teams make informed decisions about people.

Read more about Workday HCM

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TimeSolv Legal Billing logo

Time, expense & billing management software for legal firms

TimeSolv Legal Billing helps legal firms manage payments, invoices, budgets, tasks, and more. The built-in trust accounting functionality lets users create trust accounts to automatically process payments, update replenishment amount in invoices, and transfer funds between different trust accounts.

Read more about TimeSolv Legal Billing

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QuickBooks Online Advanced logo

Accounting & business management for small businesses

Advanced budgeting tools for precise planning, real-time tracking, and actionable insights to support strategic financial decisions.

Read more about QuickBooks Online Advanced

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NetSuite logo

AI-powered cloud-based business management suite

NetSuite Planning and Budgeting enables quick adoption of world-class financial planning and budgeting across lines of business with flexible and customizable deployment options. It facilitates organization-wide business budgeting and planning needs.

Read more about NetSuite

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Precoro logo

Procurement Software That Centralizes, Automates, and Drives

Precoro's all-in-one Spend Management software helps Small and Mid-size businesses to track spends against their budgets.

Read more about Precoro

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Sage Intacct logo
Category Leaders

Best-in-class Cloud ERP for Finance

Sage Intacct is a leading provider of best-in-class cloud ERP software, and is the preferred cloud financial management applications for the AICPA.

Read more about Sage Intacct

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Teampay logo

Request, approve, and track company spending in real-time.

Teampay’s spend management platform gives finance teams control and automates the purchasing, reconciliation, and reporting process.

Read more about Teampay

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Syft Analytics logo

The interactive & collaborative financial reporting tool.

Syft Analytics is the financial reporting and data analytics software that helps growing businesses understand their financial data.

Read more about Syft Analytics

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Sage Accounting logo

Accounting software for small businesses

Sage Accounting is an accounting system for small business owners. It has features to help users forecast their cashflow, send and track invoices and act on real-time reporting. Users can manage their business from anywhere, at any time, from the cloud and with mobile functionality. Sage Accounting application is available for iOS and Android.

Read more about Sage Accounting

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MoneyMinder logo

Simple accounting software for volunteers.

Simple nonprofit accounting software for volunteer-based groups (PTAs, PTOs, Booster Clubs, Sports Teams, Scouts, Service Clubs, etc.)

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Workday Adaptive Planning logo

Enterprise planning software for agile budgeting & reporting

Workday Adaptive Planning is an enterprise planning software that helps finance create budgets and forecasts with more speed, flexibility, collaboration, and accuracy. With unlimited scenario analysis backed by machine learning, you can quickly answer complex questions and gain real-time insights.

Read more about Workday Adaptive Planning

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Deltek Vision logo

Project management tool for professional services managers.

Deltek Vision is a project management solution, which helps businesses in the professional services sector manage customer relationship management (CRM), project planning, document tracking, resource planning, payroll processes, and more. It improves project profitability and streamlines client relationships by managing the complete lifecycle of a project, from identifying opportunities to estimating costs.

Read more about Deltek Vision

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Phocas logo
Category Leaders

Business intelligence, financial reporting & sales analytics

Phocas delivers cloud-based BI and FP&A solutions for mid-market distribution, manufacturing and retail businesses. Seamlessly integrating with ERP systems, it simplifies data analysis, streamlines financial planning, and empowers teams to uncover insights, forecast accurately, and drive growth.

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Upmetrics logo
Category Leaders

Business plan software with AI assistance.

Upmetrics is modern, AI-powered business plan software that simplifies planning for entrepreneurs and small business owners. Equipped with industry-specific templates, a drag-and-drop builder, and an automatic forecasting tool, Upmetrics helps you create a business plan in less than an hour.

Read more about Upmetrics

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Yooz logo

AI-powered accounts payable automation platform

Yooz's budget function is an integrated value-added product offering within Yooz, which provides financial decision-makers with a solution to automate and secure their financial processes. Accessing real-time budget statuses allows management to enhance processes and make well-informed decisions.

Read more about Yooz

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Soldo logo

Expense Management and Soldo Company Cards

Stop the headache of expense management with Soldo company cards tied to a powerful expense management platform.

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FreeAgent logo

FreeAgent has been voted the UK's #1 accounting software.

Manage project profitability by tracking billable and non-billable time, bills, expenses and payments for each project.

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Sage 100 logo

Enterprise resource planning software

Sage 100 is a customizable business management solution that helps businesses automate financials, operations, and payroll, providing complete visibility into the operations. Sage 100 grows with the business, allowing teams to scale and meet specific needs as a small or medium-sized enterprise.

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Mint logo

Your financial life, all in one place

Mint pulls all your financial accounts into one place. Already more than 7 million users who know their information is always secure. All data is protected and validated by VeriSign and TRUSTe. Mint automatically pulls all your financial information into one place.

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Vena logo

Microsoft Excel-based FP&A software

Shorten budget cycles, streamline financial reporting and get the insights you need to plan with confidence, all in one flexible and easy-to-use platform.

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Quicken logo

Brings all your accounts together in one place

Quicken helps you to bring your accounts together and you will easily understand how much money you really have. Intuits money management tools can show you exactly where your money’s going.

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Reckon One logo

All small and medium-sized businesses.

Easy to use online accounting software for small businesses. Plans start at just $24 per month.

Read more about Reckon One

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Sage 50 Accounting logo

Cloud-based accounting tool for small and midsized business

Sage 50 Accounting is an online accounting solution for SMBs with Office 365 integration that helps manage accounting, invoicing, cash flow, inventory, taxes, and more.

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Key features for Budgeting software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Reporting/Analytics: Reviewers value the easy creation and customization of reports, quick data access, and the ability to analyze financial performance and trends. 98% of reviewers rated this feature as important or highly important.
  • Data Import/Export: Users highlight the ease of importing from multiple sources, integrating with other systems, and the ability to quickly validate and update data. 96% of reviewers rated this feature as important or highly important.
  • Profit/Loss Statement: Reviewers appreciate the ability to generate, customize, and analyze P&L statements for assessing financial performance and making informed decisions. 95% of reviewers rated this feature as important or highly important.
  • Income & Balance Sheet: Users find income and balance sheets crucial for comprehensive financial oversight, enabling detailed tracking of assets, liabilities, and performance. 94% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Reviewers note the convenience of generating accurate, detailed invoices, automated billing cycles, and integration with other systems. 92% of reviewers rated this feature as important or highly important.
  • General Ledger: Users value the comprehensive tracking of financial transactions, the flexibility in managing accounts, and the ability to create detailed financial reports. 91% of reviewers rated this feature as important or highly important.