Choosing the right free budgeting software can make or break your finance function. We have researched, tested, and compared the leading options to help UK finance teams make an informed decision. Below you will find honest reviews with real pros, cons, and pricing -- no affiliate links, no sponsored placements.
How we evaluated
We evaluated each option based on five criteria: feature depth, ease of use, value for money (with UK pricing where available), integration ecosystem, and customer support quality. We prioritised tools with strong UK presence or global availability, and tested each where trial access was available.
Free spreadsheet platform with templates for budgeting. Collaboration built in.
Pros
Cons
Visual financial modelling with a generous free plan. Named variables and scenario comparison.
Pros
Cons
Startup financial planning with free tier. Basic hiring plans and revenue models.
Pros
Cons
Free accounting software with basic budgeting via reports. Invoicing, payments, and bookkeeping.
Pros
Cons
Flexible workspace with community budgeting templates. Not purpose-built but adaptable.
Pros
Cons
FAQ
We evaluated each option based on feature depth, ease of use, UK pricing, integrations, and support quality. We tested tools where trial access was available and spoke with finance professionals who use them daily.
No. Grove FP is included where relevant (we are transparent about this), but rankings are based on our honest assessment. We do not accept payment for placement.
We review and update this list quarterly. The last update was March 2026. If you spot something outdated, please let us know at hello@grove.financial.
Budgeting, forecasting, and workforce planning in one platform. No credit card required.