The short answer
Cheapest at 5 seats a month
$0/mo
BILL, Spend & Expense plan
- Lowest starting price
- $11.99 · Fyle
- Free plans
- 3 of 24
- Prices published
- 13 of 24
- Sales-led only
- 15
AI finance tools at a glance
Median starting price$28.50/moHalf start between $18 and $50
Free plan12%21% offer a time-limited trial
Buy online29%Sign up and pay without a sales call
Sales only62%Demo or contact sales to buy
How they charge
What you'd pay at 5 seats a month
- BILL Spend & Expense$0
- Ramp Free$0
- Puzzle Payroll & people ops add-on$49
- Xero Growing$59
- Fyle Growth$74.95
- Zeni Payroll Manager Service$199
Computed from each tool's published plans, allowances and overage rates.
Every AI finance tool, side by side
| Tool | Starts at | Usage price | Free plan | How you buy | Checks | Checked |
|---|---|---|---|---|---|---|
 BILL |
$49/mo | – | Yes | Both | 6/8 | Oct 29, 2026 |
 Ramp |
$15/mo | – | Yes | Both | 7/8 | Oct 29, 2026 |
 Puzzle |
$104/mo yearly | – | – | Both | 5/8 | Oct 29, 2026 |
 Xero |
$27/mo | – | – | Self-serve | 6/8 | Oct 29, 2026 |
 Fyle |
$11.99/mo yearly | – | – | Sales-led | 5/8 | Oct 29, 2026 |
 Zeni |
$208/mo yearly | – | – | Sales-led | 8/8 | Oct 29, 2026 |
 Dext |
$25.21/mo yearly | – | – | Both | 6/8 | Oct 29, 2026 |
 Jirav |
$50/mo | – | – | Sales-led | 2/8 | Oct 29, 2026 |
 Aspire |
– | – | Yes | Both | 5/8 | Oct 29, 2026 |
 Board |
– | – | – | Sales-led | 2/8 | Oct 29, 2026 |
 ChatFin |
– | – | – | Sales-led | 8/8 | Oct 29, 2026 |
 Cube |
– | – | – | Both | 4/8 | Oct 29, 2026 |
 Datarails |
– | – | – | Sales-led | 6/8 | Oct 29, 2026 |
 Feedzai |
– | – | – | Sales-led | 0/8 | Oct 29, 2026 |
 HighRadius |
– | – | – | Sales-led | 5/8 | Oct 29, 2026 |
 OneStream |
– | – | – | Sales-led | 4/8 | Oct 29, 2026 |
 Oracle EPM |
– | – | – | Sales-led | 5/8 | Oct 29, 2026 |
 Planful |
– | – | – | Sales-led | 4/8 | Oct 29, 2026 |
| QuickBooks Online | – | – | – | – | 0/8 | Oct 29, 2026 |
| Sage Intacct | – | – | – | Sales-led | 8/8 | Oct 29, 2026 |
 Stampli |
– | – | – | Sales-led | 6/8 | Oct 29, 2026 |
 Vic.ai |
– | – | – | Sales-led | 4/8 | Oct 29, 2026 |
| Wolters Kluwer CCH Tagetik | – | – | – | – | 0/8 | Oct 29, 2026 |
 Workday Adaptive Planning |
– | – | – | Sales-led | 4/8 | Oct 29, 2026 |
The tools
BILLBILL is a platform for accounts payable, accounts receivable, and spend and expense management with accounting software sync.$49 /moRampRamp is a finance platform combining corporate cards, expense management, bill pay, procurement, accounting automation and banking, with AI agents handling coding, review and approvals.$15 /moPuzzleAI-native accounting software for startups and small businesses, with optional done-for-you bookkeeping services.$104 /moXeroCloud accounting platform for small businesses with invoicing, bill payments, bank reconciliation, cash flow forecasting and an AI assistant called JAX.$27 /moFyleExpense management software that captures receipts by text message and syncs approved expenses to accounting systems, working with a company's existing credit cards.$11.99 /moZeniZeni is an AI bookkeeping and accounting platform with a dedicated human finance team, plus bill pay, reimbursements, business checking, fractional CFO, tax and payroll services.$208 /moDextDext captures receipts, invoices and statements, extracts the data, categorises it and syncs it to accounting software.$25.21 /moJiravJirav is a cloud FP&A platform for budgeting, forecasting, reporting and dashboards, sold to accounting firms and businesses.$50 /moAspireBusiness account with corporate cards, global payments, expense tools and treasury, with a $0 per month Basic plan.QuoteBoardBoard is an enterprise planning platform for finance, supply chain, retail, sales and HR teams, with built-in AI agents.QuoteChatFinAI agent platform that runs finance workflows such as close, reconciliation, AP, AR, FP&A and tax on top of an existing ERP, with a person approving every posting.QuoteCubeCube is an FP&A platform that unifies finance data and adds AI agents for reporting, planning, consolidation and close, usable in a web app, spreadsheets, Slack, Teams and slides.QuoteDatarailsDatarails is an Excel-connected finance platform for FP&A, month-end close, cash forecasting, spend control and finance requests.QuoteFeedzaiFeedzai sells AI software and an AI agent that help banks and fintechs detect fraud and financial crime.QuoteHighRadiusHighRadius sells AI finance automation software for receivables, payables, B2B payments, close and reconciliation, consolidation and reporting, and treasury.QuoteOneStreamOneStream is an enterprise finance platform combining financial close, consolidation, planning, reporting and AI agents on one data model.QuoteOracle EPMOracle Fusion Cloud EPM is a finance suite with AI agents for planning, financial close, account reconciliation, tax reporting and master data management.QuotePlanfulPlanful is a cloud financial performance management platform that combines planning, close, consolidation, and reporting.QuoteQUQuickBooks OnlineQuoteSASage IntacctCloud accounting and financial management software from Sage with built-in AI agents for close, AP, assurance, and financial Q&A.QuoteStampliStampli is a procure-to-pay platform covering procurement, accounts payable, vendor management, payments and expense management, with an AI assistant called Billy.QuoteVic.aiAI-based accounts payable automation platform with invoice processing, PO matching, approvals, bill pay, corporate cards and analytics.QuoteWOWolters Kluwer CCH TagetikQuoteWorkday Adaptive PlanningWorkday sells HR and finance software with AI agents, including finance agents for audit, contracts, procurement and travel/expense.QuoteHow this list is made
Every price is read from the vendor's own pricing page on the date shown and tied to the line it came from. Tools are ordered by what they cost at a typical volume, then by starting price. No one pays to be listed or ranked.