
GITNUXSOFTWARE ADVICE
Business FinanceTop 10 Best Pos And Accounting Software of 2026
Top 10 pos and accounting software picks with feature comparisons and tradeoffs for restaurants, retail, and service businesses.
How we ranked these tools
Core product claims cross-referenced against official documentation, changelogs, and independent technical reviews.
Analyzed video reviews and hundreds of written evaluations to capture real-world user experiences with each tool.
AI persona simulations modeled how different user types would experience each tool across common use cases and workflows.
Final rankings reviewed and approved by our editorial team with authority to override AI-generated scores based on domain expertise.
Score: Features 40% · Ease 30% · Value 30%
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Toast is the best fit when restaurant teams need shift-based POS plus structured exports for accounting posting, whereas Square is the smoother entry for retail teams wanting POS with accounting outputs, and Clover is a solid budget-friendly pick if you just need POS-first operations with export support and light bookkeeping.
Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
Toast
Shift closeout and item-level sales reporting that translate into accounting export inputs for daily reconciliation.
Built for fits when restaurant teams need shift-based POS operations plus structured exports for accounting posting..
Square
Editor pickSquare API access for payments, orders, and inventory events supports automated sync with external accounting tools.
Built for fits when retail teams need POS operations plus exportable accounting outputs without building data pipelines..
Epos Now
Editor pickShift closeout workflow that enforces end-of-day consistency before exporting transactions for accounting review.
Built for fits when retailers need barcode POS with disciplined closeout and export-based accounting handoffs..
Comparison Table
Toast
vertical specialistToast combines restaurant POS, payments, payroll, inventory, and operational reporting.
Shift closeout and item-level sales reporting that translate into accounting export inputs for daily reconciliation.
Toast covers the core restaurant POS functions needed for accounting workflows, including card-present payments, shift closeout, and item-level sales reporting. Transaction outputs typically include tax totals and settlement amounts needed to build sales journal entries and reconcile payouts. The accounting side relies on structured exports and integrations rather than a separate, fully native general ledger interface inside the POS. That design keeps POS operations fast, but it pushes general ledger posting responsibility to the connected accounting workflow.
A key tradeoff is that Toast’s accounting depth is strongest on the POS-to-accounting handoff rather than on features like fully managed general ledger posting in the same system. Teams that need journal entry import from third-party accounting systems can run into mapping work for unique tax rules and non-standard revenue categories. Toast fits best when operations teams want detailed POS-level reporting for daily reconciliation and finance teams want repeatable exports for downstream accounting.
- +Restaurant-specific POS data capture for item and modifier-level sales
- +Shift closeout workflow supports repeatable end-of-day reconciliation
- +Payment and sales reporting generate accounting export inputs
- +Extensive integration options for retail accounting and other systems
- –General ledger posting often depends on connected accounting workflow
- –Tax and category mapping can require setup work for edge cases
- –Inventory accuracy requires consistent menu and SKU hygiene
- –Some governance controls rely on add-on administration patterns
Restaurant finance teams
Daily close uses POS tax totals
Faster, fewer spreadsheet adjustments
Restaurant operators
Menu changes with modifier-driven reporting
More reliable sales insights
Show 1 more scenario
Multi-location brands
Standardize closeout across sites
More consistent month-end prep
Uses uniform shift closeout processes to keep operational reporting comparable by location.
Best for: Fits when restaurant teams need shift-based POS operations plus structured exports for accounting posting.
Square
SMBSquare provides POS, payments, invoicing, payroll, and financial management tools for small businesses.
Square API access for payments, orders, and inventory events supports automated sync with external accounting tools.
Square is a strong fit for small retail and service operators that want card-present checkout, receipt printing, and end-of-day shift reconciliation in one place. Accounting readiness comes from sales and activity reporting that can be exported and mapped into accounting workflows, which reduces manual rekeying. Integrations are a major strength because Square’s API can move transaction and inventory data into external accounting and ERP tools.
A key tradeoff is that Square’s accounting features rely on workflow mapping and export-based handoff rather than a full native ledger that eliminates third-party review. Square works best when a business already uses or prefers an external accounting system, and it needs consistent transaction data from POS to that accounting layer.
- +End-to-end checkout workflow with shift closeout and register accountability
- +API integrations for transaction, inventory, and reporting data movement
- +Multi-location staff access supports operational separation by register
- +Reporting exports support downstream journal entry import workflows
- –Accounting readiness depends on categorization mapping during export handoff
- –Some advanced accounting workflows require external accounting processes
- –Complex inventory edge cases may need tighter operational discipline
- –Customization for receipt and tax logic can require careful setup
Small retail owners
Daily POS with end-of-day close
Faster closeout each day
Bookkeeping teams
Journal import from exported activity
Less manual rekeying
Show 2 more scenarios
Multi-location operators
Staff permissions per register
Reduced access and audit risk
Square supports operational separation across locations using staff access controls for shifts.
Integrations engineers
API sync to external ERP
Lower integration maintenance effort
Square’s API can transmit order and inventory events to keep external systems updated.
Best for: Fits when retail teams need POS operations plus exportable accounting outputs without building data pipelines.
Epos Now
SMBEpos Now offers cloud POS, payment processing, inventory, reporting, and business integrations.
Shift closeout workflow that enforces end-of-day consistency before exporting transactions for accounting review.
Epos Now covers core POS tasks like barcode scanning, receipt printing, and payment terminal integration for card-present flows. It also provides shift closeout and end-of-day close steps that help standardize daily cash and transaction capture. Accounting alignment relies on exporting transactions into accounting workflows through defined import or export paths rather than fully automated journal creation inside the POS. Administrative control is geared toward store operations, so governance features are practical for day-to-day staffing and permissions.
A key tradeoff is that accounting depth depends on the export and import workflow rather than a native, deeply coupled general ledger. This adds operational work when businesses need frequent journal edits, custom posting logic, or detailed purchase-ledger reconciliation inside the same system. Epos Now fits a usage situation where daily shift closing is disciplined and where finance teams can accept export-based handoffs into their accounting stack.
- +Shift closeout flow standardizes daily cash handling across staff
- +Barcode scanning and receipt printing support fast counter operations
- +Card-present payment terminal integration reduces manual payment entry
- +Transaction exports support accounting handoff for sales reporting
- –General ledger posting is not fully internal to the POS workflow
- –Complex purchase-ledger reconciliation needs stronger accounting-side work
- –Advanced automation and custom posting rules require extra process design
- –Inventory edge cases can need tighter operational discipline
Store managers
Run fast tills with shift closeout
Cleaner end-of-day reconciliations
Retail finance teams
Feed accounting with sales transactions
Less manual sales entry
Show 1 more scenario
Multi-branch operators
Keep daily operations consistent
More predictable reporting cadence
Branches follow the same closeout steps so transaction timing and totals align.
Best for: Fits when retailers need barcode POS with disciplined closeout and export-based accounting handoffs.
Lightspeed
vertical specialistLightspeed offers retail and restaurant POS software with inventory, reporting, and accounting integrations.
Shift closeout reporting that packages per-session POS outcomes for direct accounting review and journal entry import.
Lightspeed combines retail POS workflow with accounting exports built around journals and mapping to standard ledgers. Retail operations move through device-first sales capture, shift closeout reporting, and inventory movement tracking that can flow into accounting.
Lightspeed’s administrative controls focus on store-level configuration, role-based access for staff, and audit trail visibility tied to operational events. Accounting teams typically work via exports that support journal entry import for downstream general ledger processing.
- +Shift closeout reporting aligns POS activity with end-of-day accounting review
- +Role-based access supports store workflows without granting blanket admin permissions
- +Accounting export supports journal entry import into downstream general ledger tooling
- +Inventory movement tracking supports tighter reconciliation between sales and stock
- –Accounting connectivity centers on export and import flows instead of live synchronization
- –Advanced automation needs careful setup across locations and product setups
- –Extensibility depends on supported integrations rather than custom POS scripting
- –Audit trail granularity can require process alignment to match accounting review needs
Best for: Fits when retail teams need POS and accounting exports that map cleanly to journal-based workflows.
Odoo
SMBOdoo combines point of sale, accounting, inventory, purchasing, and customer management.
Automatic generation of accounting journal entries from POS sales and payment steps using Odoo’s unified transaction model.
Odoo performs point-of-sale checkout while also running core accounting like ledgers, journals, and reconciliation workflows. Its accounting core is tightly coupled to sales, purchases, taxes, and inventory so transactions can generate accounting entries from operational events.
The POS and accounting stay aligned through a shared data model for products, taxes, partners, and payments. Admin controls, role-based access, and audit trails help governance across both retail operations and financial close.
- +Shared product, tax, partner, and payment data reduces accounting reconciliation gaps
- +End-to-end retail workflows can post journal entries from POS sessions
- +Role-based access with audit history supports segregation of duties
- +Extensible modules let retail and accounting processes share automation rules
- –Retail accounting depth depends heavily on correct tax and fiscal settings
- –Multi-warehouse inventory behavior can be complex for POS-only deployments
- –Advanced POS reporting requires configuration of dashboards and filters
- –Complex setups need governance across add-ons to avoid posting duplicates
Best for: Fits when retail operations require accounting posting from POS data with strong cross-module automation.
Shopify POS
SMBShopify POS connects in-store sales with ecommerce, inventory, payments, and financial integrations.
Built-in shift closeout tied to Shopify sales capture and inventory updates across store locations.
Shopify POS is designed for retail operations that already run on Shopify and need card-present checkout, receipt printing, and daily store workflows in one place. The system records sales against Shopify products and locations, then pushes that transactional data back into Shopify for reporting and inventory updates.
Shopify POS also integrates with Shopify Accounting-style exports so bookkeeping can be handled in the accounting toolchain through journal entry imports. Administration is centered on Shopify roles and store permissions, with operational controls like shift closeout and cash drawer reconciliation workflows.
- +Tight linkage between store sales, products, and locations in Shopify
- +Shift closeout flows support consistent end-of-day procedures across registers
- +Marketplace of Shopify apps expands payments, hardware, and reporting options
- +Operational controls map to Shopify user permissions for store access
- –Accounting artifacts depend on exports and journal entry imports, not native ledgers
- –Complex back-office workflows often require add-on apps or external systems
- –Inventory accuracy depends on correct SKU setup and location assignment discipline
- –Multi-book geography workflows can be harder when tax rules vary by region
Best for: Fits when retail sales must stay synchronized with Shopify products and inventory across multiple registers.
Clover
SMBClover provides cloud POS, payments, employee management, inventory, and business applications.
Shift closeout produces POS summaries aligned to back-office exports, which reduces timing gaps during end-of-day reconciliation.
Clover combines a cloud POS and payment stack with built-in accounting exports, making it distinct from POS tools that leave accounting setup entirely to third-party bookkeeping software. Clover’s retail workflows include shift closeout, receipts, and inventory-facing sales capture, then it routes summary and transaction details for downstream bookkeeping.
Clover also supports payroll and employee time tracking add-ons that feed labor cost reporting needs. Accounting depth is driven by its export and integration patterns rather than a fully native, multi-ledger general ledger experience.
- +End-of-day shift closeout ties POS activity to accounting export timing
- +Built-in payment processing reduces reconciliation friction for card-present sales
- +Inventory-facing sales capture supports SKU-based reporting outputs
- +Add-ons expand into payroll and labor cost allocation workflows
- –Accounting export and import workflows can require mapping attention
- –Full general ledger control is limited compared with dedicated accounting suites
- –Advanced purchase-side workflows depend heavily on integrations
- –Audit trail visibility is more usable in POS context than in ledger context
Best for: Fits when retail businesses need POS-first operations with accounting export support and light bookkeeping workflows.
SumUp
SMBSumUp combines card payments, POS, invoicing, product catalogs, and basic business management tools.
Shift closeout workflow that packages daily totals for accounting export with less manual reconciliation.
SumUp pairs a cloud-based POS workflow with accounting exports aimed at keeping daily retail activity tied to financial reporting. Card-present payments route through SumUp hardware and terminal integrations, and the system supports shift-level closeout so totals roll up cleanly.
Sales activity can be exported for accounting, with a setup that maps items and taxes to accounting-ready outputs. The combined POS and accounting handoff is strongest for retailers that want fewer manual journal entries from day-to-day operations.
- +Shift closeout keeps end-of-day totals aligned with transactions
- +Payment terminal integrations support card-present workflows in-store
- +Item and tax mapping reduces manual rework during accounting export
- +Cloud POS setup supports multi-location configuration
- –Accounting depth is lighter than full ERP-style general ledger tooling
- –Inventory tracking can be limited for complex perpetual models
- –Advanced role governance features like granular RBAC are not a standout
- –Automation coverage for journal entry import stays narrow
Best for: Fits when retail teams need POS-first operations and accounting exports with minimal daily journal handling.
Loyverse
SMBLoyverse provides POS, inventory, employee management, customer loyalty, and sales analytics.
End-of-day shift closeout generates structured totals used to reconcile sales with exporting for journal entry import.
Loyverse runs retail point-of-sale sales entry with receipt printing and card-present payment support through connected payment terminals. It also tracks inventory at the POS level and produces accounting outputs suitable for journal entry import into standard general ledger workflows.
The administration layer covers user roles and device management for shift closeouts and daily sales reporting. Loyverse focuses on keeping POS and accounting reconciliation consistent through end-of-day totals and structured exports.
- +Shift closeout totals and daily reporting reduce reconciliation variance
- +Inventory counts and item-level tracking support SKU driven workflows
- +Role-based user access limits who can void sales and adjust items
- +Journal entry import exports support general ledger posting processes
- –Accounting depth for purchase workflows can lag dedicated accounting suites
- –Advanced tax regimes require careful item and tax configuration discipline
- –Multi-location governance needs stronger operational controls for deployments
- –API extensibility is limited for highly customized retail accounting models
Best for: Fits when retail teams need cloud POS operations plus accounting exports for consistent end-of-day posting.
PHP Point of Sale
SMBWeb-based POS system with inventory tracking, employee time tracking, and QuickBooks integration.
Shift closeout that consolidates register activity into a clean accounting-ready export bundle.
PHP Point of Sale combines a retail POS workflow with accounting outputs for operations that need daily transaction capture and ledger posting. It handles item sales, returns, and tax calculation inside the POS screen flow, then supports accounting export to connect sales records to general ledger activity.
The system emphasizes end-of-day and shift closeout routines so cash and sales activity stay consistent between the register and accounting side. Inventory is tracked enough to support SKU-based sales and stock movement, with reporting built around the POS transaction lifecycle.
- +Shift closeout and end-of-day routines reduce register-to-ledger mismatches
- +SKU-based sales and returns keep daily transaction records straightforward
- +Accounting export workflow supports moving POS activity into accounting systems
- +Tax logic is integrated into the transaction entry flow
- –Automation for journal entry import from external systems is limited
- –No clearly documented public API reduces integration options
- –Role-based admin controls and audit trail details are not prominent in materials
- –Barcode scanning support depends on specific hardware and local setup
Best for: Fits when retail teams need POS transactions converted into accounting exports with disciplined daily closeouts.
Conclusion
After evaluating 10 business finance, Toast stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right pos and accounting software
This buyer's guide covers Toast, Square, Epos Now, Lightspeed, Odoo, Shopify POS, Clover, SumUp, Loyverse, and PHP Point of Sale as POS and accounting software options for organizations that need end-of-day outputs aligned to bookkeeping.
Each tool review focuses on how shift closeout and reporting translate into accounting export inputs, and which parts of general ledger posting stay inside the POS workflow versus requiring an external accounting step.
Toast is used as the primary reference point for item and modifier-level sales reporting that feeds daily reconciliation, and Square is used as a reference point for Square API access that moves payments, orders, and inventory events into external accounting workflows.
The selection logic also tracks how much setup work is required for tax and category mapping, since export handoffs often hinge on consistent configuration across products and ledgers.
POS and accounting software that turns shift closeout into journal-ready records
POS and accounting software in this guide centers on POS session capture and end-of-day close workflows that produce sales journals and purchase journal inputs usable for general ledger posting.
Some tools keep the accounting posting path more internal, while others rely on accounting export files and journal entry imports that shift work to the accounting side.
Toast emphasizes shift closeout and item-level sales reporting that feeds accounting export inputs for daily reconciliation, which supports repeatable end-of-day workflows.
Odoo emphasizes automatic generation of accounting journal entries from POS sales and payment steps using Odoo’s unified transaction model, which reduces timing gaps that appear when exports require manual import staging.
Across the list, implementation differences usually show up in whether accounting connectivity is handled as live synchronization or as export and import flows that depend on correct tax and category setup.
Shift closeout exports, mapping fidelity, and accounting handoff controls
Accounting readiness also depends on how the POS-to-ledger handoff is handled, either by keeping journal entry creation inside the same platform or by exporting transactions for external posting. Odoo can generate accounting journal entries from POS sales and payment steps inside its unified transaction model, while Square and Clover rely more on export handoffs with mapping work that affects posting accuracy.
Shift closeout workflow that standardizes end-of-day reconciliation
Toast, Epos Now, and SumUp all center on shift closeout packaging that turns daily sales into structured totals usable for end-of-day accounting reconciliation.
Item and modifier-level reporting that feeds accounting export inputs
Toast captures item and modifier-level sales and translates those into accounting export inputs for daily reconciliation, which reduces ambiguity when category and tax rules vary by menu item.
Accounting connectivity style: live internal posting versus export and journal import
Odoo uses automatic journal entry generation from POS steps, while Lightspeed and Shopify POS package end-of-day outcomes for accounting review and then depend on export and journal entry imports to produce ledger postings.
Inventory event and product synchronization depth
Square provides API access for payments, orders, and inventory events that supports automated sync into external accounting workflows, while Shopify POS keeps store sales tied to Shopify products and locations so exports stay aligned to Shopify inventory state.
Governance for store teams through role-based access during end-of-day operations
Lightspeed includes role-based access that supports store workflows without granting blanket admin permissions, while other systems more often require tighter operational discipline to keep exports consistent.
Integration surface and extensibility for transaction and reporting movement
Square is built around API access for transaction, inventory, and reporting data movement, while PHP Point of Sale lacks a clearly documented public API that limits integration options for automated accounting handoffs.
Choose based on how the POS-to-ledger boundary is enforced
The next decision is whether end-of-day consistency is enforced through a shift closeout process that staff can follow the same way every time. Toast, Epos Now, and Clover all use shift closeout outputs aligned to back-office exports, but the surrounding accounting connectivity differs across the list.
Pick internal journal generation when accounting posting must stay inside one transaction model
Choose Odoo when journal entries must be generated automatically from POS sales and payment steps using Odoo’s unified transaction model. This approach reduces timing gaps created when exports require manual import staging into a separate accounting system.
Pick export-and-import tools when the accounting workflow already lives elsewhere
Choose Lightspeed, Shopify POS, or Clover when accounting posting is handled outside POS using export bundles and journal entry imports. This fit works when teams can maintain disciplined tax and category mapping so the imported accounting artifacts land in the correct accounts and classes.
Validate that shift closeout matches the organization’s operational units and staff boundaries
Choose Toast for restaurant operations that need shift closeout plus item and modifier-level sales reporting for structured reconciliation inputs. Choose Epos Now for retail barcode operations that need shift closeout enforcement before exporting transactions for accounting review.
If inventory accuracy drives the workflow, confirm how product and inventory events move
Choose Square when the organization needs API access for payments, orders, and inventory events that supports automated sync into external accounting tools. Choose Shopify POS when store locations and registers must stay synchronized with Shopify products and inventory state.
Stress-test mapping effort for taxes and categories on edge cases
Expect tax and category mapping work in tools where accounting readiness depends on categorization mapping during export handoff, including Square and Toast. Select Lightspeed when shift closeout reporting packages per-session POS outcomes for direct accounting review and journal entry import, which can reduce rework when mapping rules are stable.
Check whether integration automation is documented enough to reduce manual end-of-day handling
Choose tools with a strong automation surface like Square API access when the goal is to move transactions, orders, and inventory events without building fragile data pipelines. Avoid PHP Point of Sale when integration automation depends on capabilities that lack a clearly documented public API.
Who should buy POS and accounting software based on end-of-day posting behavior
Teams also differ in whether they want accounting posting to happen inside POS-adjacent workflows or in a separate accounting system after export. The list separates tools that can generate journal entries from POS steps from tools that rely on export and import flows.
Restaurants running shift-based operations
Toast fits restaurant workflows that need shift closeout and item and modifier-level sales reporting that translate into accounting export inputs for daily reconciliation.
Retail teams using barcode scanning and consistent daily closeout
Epos Now fits barcode POS operations where shift closeout standardizes daily cash handling across staff and exports transactions for accounting review.
Retail operators with multi-location inventory tied to a single commerce catalog
Shopify POS fits businesses that must keep store sales synchronized with Shopify products and inventory across multiple store locations using shift closeout tied to Shopify sales capture.
Companies that need automated data movement into accounting tools
Square fits teams that rely on Square API access for payments, orders, and inventory events to support automated sync with external accounting workflows.
Operations that want POS-to-ledger posting generated automatically
Odoo fits organizations that want accounting journal entries generated from POS sales and payment steps inside Odoo’s unified transaction model to reduce manual import staging.
Common pitfalls when shift closeout meets accounting exports
Another failure mode is assuming general ledger control lives inside the POS workflow when it actually depends on export and import behavior. Lightspeed, Shopify POS, Clover, and SumUp all emphasize export and import flows, so teams can see timing and completeness gaps if the accounting side does not run the journal entry process with the same daily cadence as shift closeout.
Treating shift closeout as accounting posting without validating the mapping layer
Square can produce POS export outputs, but accounting readiness depends on categorization mapping during export handoff, so run a full test on tax-exempt and mixed-category items before relying on end-of-day reconciliation.
Assuming all tools keep general ledger posting internal to the POS workflow
Toast and Odoo differ here because Odoo generates accounting journal entries from POS steps, while Toast often depends on connected accounting workflow for general ledger posting, which requires a clear daily handoff plan.
Overlooking how inventory complexity changes the reconciliation workload
Odoo’s multi-warehouse inventory behavior can be complex for POS-only deployments, so confirm how store warehouses and items map to the sales and payment flows used for accounting posting.
Relying on integration automation that is not actually documented for the accounting handoff
PHP Point of Sale packages shift closeout into an accounting-ready export bundle, but it lacks clearly documented public API access, which can force manual processes for journal entry import workflows.
Letting end-of-day procedures drift across stores and registers
Lightspeed’s role-based access supports store workflows without blanket admin permissions, which helps keep shift closeout consistent when multiple staff handle register operations.
How We Selected and Ranked These Tools
We evaluated shift closeout workflow quality because end-of-day consistency determines whether reconciliation inputs arrive in the right structure for daily posting. We weighted features at 40% and ease and value at 30% each because export reliability and operational fit drive the quality of accounting handoffs.
We also evaluated integration depth through the availability of API access for moving transactions, orders, and inventory events into accounting workflows, including Square API access. Toast ranked first because shift closeout and item and modifier-level sales reporting translate into accounting export inputs for daily reconciliation, which reduces ambiguity during end-of-day close.
Frequently Asked Questions About pos and accounting software
How do Toast and Square move POS data into accounting-ready outputs for daily close?
When should retail teams pick Epos Now versus Lightspeed for shift closeout consistency?
Which systems support barcode-based selling while keeping accounting handoffs aligned?
What breaks if inventory movement and reconciliation are not consistent between POS and accounting in Odoo?
How does Lightspeed handle audit trail visibility during store-level configuration changes?
When do companies use Square API access instead of relying only on its built-in export flow?
How do Shopify POS and Clover differ for multi-location controls and shift operations?
What data migration questions matter most when moving from a spreadsheet workflow to PHP Point of Sale?
How do Clover and SumUp manage reconciliation timing gaps at end of day?
Tools reviewed
Primary sources checked during evaluation.
Referenced in the comparison table and product reviews above.
- Business FinanceTop 10 Best Inventory And Pos Software of 2026
- Business FinanceTop 10 Best Cloud-Based Accounting Software of 2026
- Consumer RetailTop 10 Best Small Business Pos Software of 2026
- Business FinanceTop 10 Best Most Popular Accounting Software of 2026
- Finance Financial ServicesTop 10 Best Cash Register Pos Software of 2026
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