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Business Finance

Top 10 Best Budgeting And Planning Software of 2026

Discover top budgeting and planning software to manage finances effectively. Find the best tools for your needs – start planning smarter today.

Sarah Mitchell

Sarah Mitchell

Feb 11, 2026

10 tools comparedExpert reviewed
Independent evaluation · Unbiased commentary · Updated regularly
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Effective budgeting and planning are critical for businesses aiming to align financial strategies, forecast trends, and optimize resource allocation. With a spectrum of tools—from cloud-native platforms to spreadsheet-integrated solutions—choosing the right software can transform how organizations manage performance, ensuring adaptability and data-driven decision-making. This curated list presents the leading options to meet diverse needs.

Quick Overview

  1. 1#1: Anaplan - Cloud-native platform for connected planning, budgeting, forecasting, and performance management across finance and operations.
  2. 2#2: Workday Adaptive Planning - Comprehensive FP&A solution for enterprise budgeting, planning, forecasting, and reporting integrated with Workday HCM and Finance.
  3. 3#3: Planful - Continuous planning platform that combines budgeting, forecasting, consolidation, and analytics for finance teams.
  4. 4#4: OneStream - Unified CPM platform for enterprise financial close, planning, consolidation, reporting, and analytics.
  5. 5#5: Vena Solutions - Excel-native corporate planning software for budgeting, forecasting, and financial reporting.
  6. 6#6: Jedox - Integrated business planning and performance management platform for budgeting, forecasting, and BI analytics.
  7. 7#7: Prophix - One-platform solution for corporate performance management including budgeting, planning, and financial consolidation.
  8. 8#8: Cube - Spreadsheet-native FP&A platform for headcount planning, budgeting, and real-time financial modeling.
  9. 9#9: Pigment - Next-gen business planning platform with real-time modeling, scenario planning, and collaborative forecasting.
  10. 10#10: LivePlan - Business planning software with integrated budgeting, forecasting, and performance tracking for small businesses.

Tools were evaluated based on feature breadth, user experience, technical reliability, and overall value, prioritizing those that deliver robust performance across budgeting, forecasting, and strategic planning workflows.

Comparison Table

Budgeting and planning software is critical for modern businesses, yet options like Anaplan, Workday Adaptive Planning, Planful, OneStream, Vena Solutions, and more differ significantly in capabilities. This comparison table breaks down key features, usability, and alignment with diverse business needs to help readers find the right tool.

1Anaplan logo9.4/10

Cloud-native platform for connected planning, budgeting, forecasting, and performance management across finance and operations.

Features
9.8/10
Ease
7.6/10
Value
8.7/10

Comprehensive FP&A solution for enterprise budgeting, planning, forecasting, and reporting integrated with Workday HCM and Finance.

Features
9.5/10
Ease
8.8/10
Value
8.5/10
3Planful logo9.2/10

Continuous planning platform that combines budgeting, forecasting, consolidation, and analytics for finance teams.

Features
9.5/10
Ease
8.7/10
Value
8.8/10
4OneStream logo9.0/10

Unified CPM platform for enterprise financial close, planning, consolidation, reporting, and analytics.

Features
9.5/10
Ease
7.8/10
Value
8.5/10

Excel-native corporate planning software for budgeting, forecasting, and financial reporting.

Features
9.2/10
Ease
8.0/10
Value
8.3/10
6Jedox logo8.7/10

Integrated business planning and performance management platform for budgeting, forecasting, and BI analytics.

Features
9.3/10
Ease
7.8/10
Value
8.2/10
7Prophix logo8.2/10

One-platform solution for corporate performance management including budgeting, planning, and financial consolidation.

Features
8.8/10
Ease
7.6/10
Value
7.9/10
8Cube logo8.3/10

Spreadsheet-native FP&A platform for headcount planning, budgeting, and real-time financial modeling.

Features
8.5/10
Ease
9.2/10
Value
7.5/10
9Pigment logo8.7/10

Next-gen business planning platform with real-time modeling, scenario planning, and collaborative forecasting.

Features
9.2/10
Ease
8.0/10
Value
8.3/10
10LivePlan logo8.2/10

Business planning software with integrated budgeting, forecasting, and performance tracking for small businesses.

Features
8.5/10
Ease
8.0/10
Value
7.6/10
1
Anaplan logo

Anaplan

enterprise

Cloud-native platform for connected planning, budgeting, forecasting, and performance management across finance and operations.

Overall Rating9.4/10
Features
9.8/10
Ease of Use
7.6/10
Value
8.7/10
Standout Feature

Hyperblock™ in-memory engine for real-time, limitless scalability and calculations on massive multi-dimensional datasets

Anaplan is a cloud-native connected planning platform that empowers organizations with real-time budgeting, forecasting, financial planning, and operational modeling across finance, sales, supply chain, and HR. Its proprietary in-memory Hyperblock engine handles massive datasets and complex multi-dimensional models, enabling scenario analysis and what-if simulations without performance lags. Designed for enterprise-scale collaboration, it integrates data from multiple sources for unified planning insights.

Pros

  • Infinite scalability with Hyperblock technology for handling petabyte-scale models
  • Real-time collaboration and scenario planning across departments
  • No-code/low-code model building with strong integrations (e.g., ERP, CRM)

Cons

  • Steep learning curve for building complex models
  • High enterprise-level pricing
  • Overkill and complex for small businesses or simple budgeting needs

Best For

Large enterprises requiring integrated, real-time planning across finance, operations, and multiple business functions.

Pricing

Custom enterprise subscription pricing, typically starting at $20,000-$50,000 annually based on users, modules, and usage; contact sales for quotes.

Visit Anaplananaplan.com
2
Workday Adaptive Planning logo

Workday Adaptive Planning

enterprise

Comprehensive FP&A solution for enterprise budgeting, planning, forecasting, and reporting integrated with Workday HCM and Finance.

Overall Rating9.2/10
Features
9.5/10
Ease of Use
8.8/10
Value
8.5/10
Standout Feature

Continuous planning with AI-powered insights and real-time multi-user collaboration

Workday Adaptive Planning is a cloud-based enterprise planning platform that streamlines budgeting, forecasting, modeling, and reporting for finance teams. It offers driver-based planning, scenario analysis, and real-time collaboration through an Excel-like interface, enabling agile decision-making. Seamlessly integrated with Workday's HCM and Financials, it unifies operational and financial planning across organizations.

Pros

  • Robust driver-based modeling and scenario planning capabilities
  • Real-time collaboration with version control and workflow approvals
  • Deep integration with Workday ecosystem for unified financial insights

Cons

  • High cost suitable mainly for mid-to-large enterprises
  • Complex initial setup requiring professional services
  • Excel-like interface may overwhelm non-finance users

Best For

Mid-to-large enterprises with complex budgeting needs and existing Workday implementations seeking integrated, collaborative planning.

Pricing

Custom enterprise subscription pricing, typically starting at $50,000+ annually depending on users, modules, and deployment scale.

3
Planful logo

Planful

enterprise

Continuous planning platform that combines budgeting, forecasting, consolidation, and analytics for finance teams.

Overall Rating9.2/10
Features
9.5/10
Ease of Use
8.7/10
Value
8.8/10
Standout Feature

Planful Predict: AI-powered layer that automates anomaly detection, scenario analysis, and predictive forecasting for proactive planning.

Planful is a cloud-based Financial Performance Management (FPM) platform designed for budgeting, forecasting, reporting, and financial consolidation. It empowers finance teams to replace spreadsheets with dynamic, driver-based planning models and enables continuous planning through real-time collaboration and scenario modeling. With AI-powered predictive analytics via Planful Predict, it delivers actionable insights to drive strategic decision-making across mid-market to enterprise organizations.

Pros

  • Comprehensive FP&A suite with continuous planning and driver-based modeling
  • AI-driven Predict layer for anomaly detection and forecasting accuracy
  • Strong integrations with ERPs like NetSuite, SAP, and Excel compatibility

Cons

  • High implementation costs and setup time for complex environments
  • Pricing is custom and can be prohibitive for small businesses
  • Advanced customization often requires professional services

Best For

Mid-market and enterprise finance teams needing scalable, collaborative FP&A tools for strategic planning and real-time insights.

Pricing

Custom quote-based pricing starting around $50,000 annually for core modules, scaling with users, modules, and company size.

Visit Planfulplanful.com
4
OneStream logo

OneStream

enterprise

Unified CPM platform for enterprise financial close, planning, consolidation, reporting, and analytics.

Overall Rating9.0/10
Features
9.5/10
Ease of Use
7.8/10
Value
8.5/10
Standout Feature

OneStream's 'One Platform' architecture seamlessly unifies planning, consolidation, and reporting without data movement or reconciliation

OneStream is a unified Corporate Performance Management (CPM) platform that integrates financial close, consolidation, planning, budgeting, forecasting, reporting, and analytics into a single solution. It enables driver-based planning, scenario modeling, and continuous forecasting with real-time data integration from multiple sources. Ideal for enterprises, it eliminates silos by handling complex, multi-entity workflows without requiring separate tools for each process.

Pros

  • Unified platform reduces tool sprawl and data silos
  • Advanced driver-based planning and AI-powered forecasting
  • Highly scalable for global enterprises with multi-currency support

Cons

  • Steep learning curve and complex initial setup
  • High cost unsuitable for SMBs
  • Requires skilled administrators for customization

Best For

Mid-to-large enterprises needing an integrated CPM solution for enterprise-wide budgeting, planning, and consolidation.

Pricing

Custom enterprise subscription pricing, typically starting at $150,000+ annually based on modules, users, and deployment size.

Visit OneStreamonestream.com
5
Vena Solutions logo

Vena Solutions

enterprise

Excel-native corporate planning software for budgeting, forecasting, and financial reporting.

Overall Rating8.7/10
Features
9.2/10
Ease of Use
8.0/10
Value
8.3/10
Standout Feature

Patented Excel-native platform that transforms any Excel workbook into a secure, auditable enterprise planning application

Vena Solutions is a cloud-based Corporate Performance Management (CPM) platform designed for budgeting, forecasting, planning, and reporting, with deep integration into Microsoft Excel. It allows finance teams to leverage familiar spreadsheets while adding enterprise-grade controls, workflow automation, and data integration from ERPs like NetSuite or SAP. Vena supports driver-based planning, scenario modeling, and real-time analytics, making it suitable for FP&A processes in mid-to-large organizations.

Pros

  • Seamless native integration with Microsoft Excel, preserving existing workflows and templates
  • Comprehensive FP&A tools including advanced forecasting, driver-based planning, and multi-dimensional reporting
  • Robust integrations with major ERPs, CRMs, and HR systems for automated data flows

Cons

  • Pricing is quote-based and can be expensive for smaller teams or startups
  • Complex implementations may require consulting support and Excel proficiency
  • Less ideal for users preferring modern, non-spreadsheet interfaces

Best For

Mid-market to enterprise finance teams heavily reliant on Excel who need scalable, governed planning without switching tools.

Pricing

Custom enterprise pricing, typically starting at $100-$200/user/month depending on modules and scale; annual contracts with quotes required.

Visit Vena Solutionsvenasolutions.com
6
Jedox logo

Jedox

enterprise

Integrated business planning and performance management platform for budgeting, forecasting, and BI analytics.

Overall Rating8.7/10
Features
9.3/10
Ease of Use
7.8/10
Value
8.2/10
Standout Feature

Spreadsheet-centric planning interface powered by an enterprise OLAP engine, blending Excel familiarity with high-performance multidimensional modeling

Jedox is a robust enterprise performance management (EPM) platform specializing in integrated business planning, budgeting, forecasting, and reporting. It leverages an in-memory OLAP engine combined with a familiar spreadsheet interface to enable flexible, scalable planning models across finance, sales, HR, and operations. Organizations use Jedox for real-time collaboration, scenario modeling, and data-driven decision-making in complex environments.

Pros

  • Highly flexible spreadsheet-based modeling for complex planning
  • Scalable OLAP engine handles large datasets and real-time processing
  • Strong integrations with Excel, ERP systems, and BI tools

Cons

  • Steep learning curve for non-technical users
  • High implementation costs and dependency on consultants
  • Pricing can be prohibitive for small businesses

Best For

Mid-to-large enterprises requiring sophisticated, cross-departmental planning and forecasting capabilities.

Pricing

Quote-based pricing; typically starts at $30,000-$50,000 annually for small deployments, scaling to six figures based on users, modules, and hosting.

Visit Jedoxjedox.com
7
Prophix logo

Prophix

enterprise

One-platform solution for corporate performance management including budgeting, planning, and financial consolidation.

Overall Rating8.2/10
Features
8.8/10
Ease of Use
7.6/10
Value
7.9/10
Standout Feature

Driver-based planning with dimensional modeling for agile, what-if scenario analysis

Prophix is a comprehensive Corporate Performance Management (CPM) platform designed for financial planning, budgeting, forecasting, reporting, and consolidation. It enables driver-based planning, scenario modeling, and workflow automation to replace spreadsheets with scalable, collaborative tools. The software integrates seamlessly with ERPs like NetSuite, Sage, and QuickBooks, supporting mid-market to enterprise finance teams in data-driven decision-making.

Pros

  • Powerful driver-based budgeting and multi-scenario forecasting
  • Advanced workflow automation and collaboration tools
  • Strong ERP integrations and real-time reporting capabilities

Cons

  • Steep learning curve for non-technical users
  • Pricing is quote-based and can be expensive for small businesses
  • Customization often requires professional services

Best For

Mid-sized to large enterprises with complex FP&A needs looking for an integrated CPM solution.

Pricing

Quote-based pricing, typically starting at $20,000-$50,000 annually depending on users, modules, and implementation.

Visit Prophixprophix.com
8
Cube logo

Cube

specialized

Spreadsheet-native FP&A platform for headcount planning, budgeting, and real-time financial modeling.

Overall Rating8.3/10
Features
8.5/10
Ease of Use
9.2/10
Value
7.5/10
Standout Feature

Spreadsheet-native modeling that combines Excel familiarity with a multi-dimensional database for real-time, scalable planning

Cube is a cloud-based FP&A platform designed for finance teams to handle budgeting, forecasting, scenario planning, and reporting in a spreadsheet-native environment backed by a robust database. It integrates seamlessly with tools like Google Sheets, Excel, QuickBooks, NetSuite, and Snowflake, enabling real-time data syncing and collaborative modeling without manual uploads. Cube streamlines financial planning processes, making it easier to create driver-based models, manage workflows, and generate insights for mid-market businesses.

Pros

  • Spreadsheet-native interface familiar to Excel users with database scalability
  • Quick setup and strong integrations with ERP and BI tools
  • Real-time collaboration and scenario modeling capabilities

Cons

  • Pricing scales quickly and may be expensive for small teams
  • Limited built-in advanced analytics or AI features compared to enterprise rivals
  • Customization can require developer support for complex needs

Best For

Mid-sized finance teams seeking an intuitive, spreadsheet-powered upgrade from manual Excel budgeting without a steep learning curve.

Pricing

Starts at $1,500/month for Starter plan (billed annually), with Growth at $2,250/month, Pro at $4,500/month, and custom Enterprise pricing.

Visit Cubecube.com
9
Pigment logo

Pigment

enterprise

Next-gen business planning platform with real-time modeling, scenario planning, and collaborative forecasting.

Overall Rating8.7/10
Features
9.2/10
Ease of Use
8.0/10
Value
8.3/10
Standout Feature

Unified data model that combines planning, forecasting, and BI in real-time for instant scenario simulations

Pigment is a cloud-native business planning platform designed for finance teams to handle budgeting, forecasting, scenario planning, and financial modeling at scale. It unifies data from multiple sources into a single model, enabling real-time collaboration, what-if analysis, and interactive dashboards. With its no-code/low-code interface and powerful calculation engine, it replaces spreadsheets for enterprise FP&A while integrating BI capabilities.

Pros

  • Highly flexible and scalable modeling engine for complex planning
  • Real-time collaboration and multi-dimensional data handling
  • Seamless integrations with ERP, CRM, and BI tools

Cons

  • Steep learning curve for advanced custom models
  • Pricing opaque and geared toward enterprises
  • Limited options for very small teams or simple budgeting needs

Best For

Mid-sized to large enterprises with complex FP&A requirements seeking a unified planning and analytics platform.

Pricing

Custom enterprise pricing; typically starts at $50+/user/month for Pro plans, with higher tiers for advanced features and unlimited users.

Visit Pigmentpigment.com
10
LivePlan logo

LivePlan

specialized

Business planning software with integrated budgeting, forecasting, and performance tracking for small businesses.

Overall Rating8.2/10
Features
8.5/10
Ease of Use
8.0/10
Value
7.6/10
Standout Feature

Industry benchmarks that automatically compare your financials to peers for realistic planning

LivePlan is a comprehensive cloud-based platform designed for business planning, financial forecasting, and budgeting, helping users create professional business plans with integrated financial models. It features interactive dashboards for real-time performance tracking against projections, scenario planning, and cash flow management. The software integrates seamlessly with tools like QuickBooks and Xero, making it easier for small businesses to align plans with actual financial data.

Pros

  • Robust financial forecasting and budgeting tools with scenario modeling
  • User-friendly templates and guided business plan builder
  • Real-time dashboards and integrations with accounting software

Cons

  • Pricing can be steep for solo users or very small operations
  • Limited advanced enterprise-level analytics and customization
  • Learning curve for complex financial projections despite intuitive design

Best For

Startups and small businesses needing integrated business planning and budgeting tools without a dedicated finance team.

Pricing

Starts at $20/user/month (billed annually) for Standard plan; Premium at $40/user/month with advanced forecasting and collaboration.

Visit LivePlanliveplan.com

Conclusion

The reviewed tools deliver powerful solutions for budgeting and planning, with Anaplan leading as the top choice due to its cloud-native platform that unifies connected planning, forecasting, and performance management across finance and operations. Workday Adaptive Planning stands out as a strong alternative, offering a comprehensive FP&A solution integrated with HCM and Finance to align planning with workforce and financial data, while Planful distinguishes itself with continuous planning capabilities that merge budgeting, forecasting, and analytics for agile decision-making. The best pick depends on specific needs, but Anaplan, Workday, and Planful set the standard for excellence in the space.

Anaplan logo
Our Top Pick
Anaplan

To start simplifying and enhancing your budgeting and planning processes, explore Anaplan—its robust, cloud-native design is built to streamline complex workflows and drive more informed, efficient decisions.