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CloudZero is turning AI spend allocation into a budgeting standard, and wiring it into agents.
Alternatives · finance tools
Increase alternatives
The best Increase alternatives in finance tools, ranked by Sparkpulse's velocity_score.
Updated Aug 18, 2026
Looking for the best alternatives to Increase? Sparkpulse tracks and ranks 12 alternatives in finance tools by shipping velocity — how frequently each ships meaningful updates, verified from official changelogs. For reference, Increase shipped 1 meaningful update in the last 30 days and carries a velocity score of 3.8 out of 10 in 2026. The alternatives below are ranked the same way, so you're comparing real release momentum, not marketing claims.
About Increase
A banking-as-a-service API that now sells compliance and blockchain rails, not just payments
Increase ships a quarterly newsletter rather than a running changelog, so each entry bundles a quarter of API work. The last three quarters have moved past core payment rails into the surrounding infrastructure: managed compliance, entity onboarding sessions, 3D Secure, push provisioning and IP-restricted API keys. SDK coverage has widened to C#, PHP and Ruby, and the documentation was reworked to be readable by LLMs.
Velocity 3.8 · Last update 19d ago
Top 12 alternatives to Increase
Ranked by recent ship velocity. Tap any card for the full editorial breakdown, or pivot to a head-to-head.
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Financial Cents is quietly turning client document intake into an AI review step.
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Pigment's Agents break out of single applications and start reading your spreadsheets.
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Moov keeps absorbing the payments plumbing its customers would otherwise build themselves.
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Zoho Billing is growing a checkout surface for one-off items, not just subscriptions.
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Carta is pulling fund back-office paperwork in-app, then walking into the deal team's CRM.
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Invoice Ninja ships patch releases weekly; the work is payment correctness and accounting sync.
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Firefly III's feed is a nightly build log — every entry is the same boilerplate with no changelog.
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Indinero publishes tax explainers in timed bursts, each cluster ending at the same $750/mo pitch.
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Still a cross-border payments content desk — no product releases in the feed.
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Copperleaf publishes capital-planning theory, not product news.
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InvoicePlane's 1.7.2 is a mass security remediation, still working through its release candidates.
Increase vs alternatives — shipping velocity at a glance
Velocity score (0–10) and meaningful releases shipped in the last 30 days, from official changelogs. Higher = shipping faster.
| Product | Velocity | Sparks · 30d | Focus areas | Latest release |
|---|---|---|---|---|
| Increase (baseline) | 3.8 | 1 | banking-as-a-servicepaymentscompliance | Managed compliance and blockchain transfers land in Q2 |
| CloudZero | 7.5 | 0 | cloud-costai-spendunit-economics | — |
| Financial Cents | 7.5 | 1 | accounting-workflowai-agentsclient-portal | AI File Validator, Updates to Sending Client Tasks, and More! |
| Pigment | 7.5 | 1 | ai-agentsfinancial-planningmodeling | ✨ Your Agents just went Workspace-wide |
| Moov | 6.3 | 1 | embedded paymentsinstant paymentsapi versioning | FedNow support, feePlanID in onboarding Drop & API v2026.10.00 preview |
| Zoho Billing | 6.3 | 1 | subscription-billingcheckoutreporting | Items get shareable hosted payment pages, in early access |
| Carta | 6.3 | 1 | fund-administrationin-kind-distributionsself-service | Carta CRM Chrome Extension: Capture contacts and surface deal context without leaving your browser |
| Invoice Ninja | 5.0 | 0 | invoicingself-hostedpayments | — |
| Firefly III | 5.0 | 0 | personal-financeself-hostednightly-builds | — |
| inDinero | 5.0 | 0 | seo-contentoutsourced-accountingtax-advisory | — |
| Razorpay | 5.0 | 0 | cross-border-paymentsforexcompliance | — |
| Copperleaf | 5.0 | 0 | asset-investment-planningcapital-planninginfrastructure | — |
| InvoicePlane | 5.0 | 0 | invoicingself-hostedphp | — |
The 12 best Increase alternatives, in depth
1. CloudZero · velocity 7.5
CloudZero is turning AI spend allocation into a budgeting standard, and wiring it into agents.
Over the last 30 days CloudZero shipped 0 meaningful updates vs Increase's 1. Its velocity score of 7.5/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, CloudZero focuses on cloud cost, ai spend and unit economics.
CloudZero has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
Full CloudZero trajectory → · Compare Increase vs CloudZero →
2. Financial Cents · velocity 7.5
Financial Cents is quietly turning client document intake into an AI review step.
Over the last 30 days Financial Cents shipped 1 meaningful update vs Increase's 1, most recently “AI File Validator, Updates to Sending Client Tasks, and More!”. Its velocity score of 7.5/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Financial Cents focuses on accounting workflow, ai agents and client portal.
Financial Cents and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Financial Cents trajectory → · Compare Increase vs Financial Cents →
3. Pigment · velocity 7.5
Pigment's Agents break out of single applications and start reading your spreadsheets.
Over the last 30 days Pigment shipped 1 meaningful update vs Increase's 1, most recently “✨ Your Agents just went Workspace-wide”. Its velocity score of 7.5/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Pigment focuses on ai agents, financial planning and modeling.
Pigment and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
4. Moov · velocity 6.3
Moov keeps absorbing the payments plumbing its customers would otherwise build themselves.
Over the last 30 days Moov shipped 1 meaningful update vs Increase's 1, most recently “FedNow support, feePlanID in onboarding Drop & API v2026.10.00 preview”. Its velocity score of 6.3/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Moov focuses on embedded payments, instant payments and api versioning.
Moov and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
5. Zoho Billing · velocity 6.3
Zoho Billing is growing a checkout surface for one-off items, not just subscriptions.
Over the last 30 days Zoho Billing shipped 1 meaningful update vs Increase's 1, most recently “Items get shareable hosted payment pages, in early access”. Its velocity score of 6.3/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Zoho Billing focuses on subscription billing, checkout and reporting.
Zoho Billing and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
Full Zoho Billing trajectory → · Compare Increase vs Zoho Billing →
6. Carta · velocity 6.3
Carta is pulling fund back-office paperwork in-app, then walking into the deal team's CRM.
Over the last 30 days Carta shipped 1 meaningful update vs Increase's 1, most recently “Carta CRM Chrome Extension: Capture contacts and surface deal context without leaving your browser”. Its velocity score of 6.3/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Carta focuses on fund administration, in kind distributions and self service.
Carta and Increase have shipped at a similar pace over the last 30 days, so the decision comes down to fit and feature depth.
7. Invoice Ninja · velocity 5.0
Invoice Ninja ships patch releases weekly; the work is payment correctness and accounting sync.
Over the last 30 days Invoice Ninja shipped 0 meaningful updates vs Increase's 1. Its velocity score of 5.0/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Invoice Ninja focuses on invoicing, self hosted and payments.
Invoice Ninja has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
Full Invoice Ninja trajectory → · Compare Increase vs Invoice Ninja →
8. Firefly III · velocity 5.0
Firefly III's feed is a nightly build log — every entry is the same boilerplate with no changelog.
Over the last 30 days Firefly III shipped 0 meaningful updates vs Increase's 1. Its velocity score of 5.0/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Firefly III focuses on personal finance, self hosted and nightly builds.
Firefly III has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
Full Firefly III trajectory → · Compare Increase vs Firefly III →
9. inDinero · velocity 5.0
Indinero publishes tax explainers in timed bursts, each cluster ending at the same $750/mo pitch.
Over the last 30 days inDinero shipped 0 meaningful updates vs Increase's 1. Its velocity score of 5.0/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, inDinero focuses on seo content, outsourced accounting and tax advisory.
inDinero has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
10. Razorpay · velocity 5.0
Still a cross-border payments content desk — no product releases in the feed.
Over the last 30 days Razorpay shipped 0 meaningful updates vs Increase's 1. Its velocity score of 5.0/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Razorpay focuses on cross border payments, forex and compliance.
Razorpay has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
11. Copperleaf · velocity 5.0
Copperleaf publishes capital-planning theory, not product news.
Over the last 30 days Copperleaf shipped 0 meaningful updates vs Increase's 1. Its velocity score of 5.0/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, Copperleaf focuses on asset investment planning, capital planning and infrastructure.
Copperleaf has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
Full Copperleaf trajectory → · Compare Increase vs Copperleaf →
12. InvoicePlane · velocity 5.0
InvoicePlane's 1.7.2 is a mass security remediation, still working through its release candidates.
Over the last 30 days InvoicePlane shipped 0 meaningful updates vs Increase's 1. Its velocity score of 5.0/10 blends that with longer-term release cadence.
Where Increase leans on banking as a service, payments and compliance, InvoicePlane focuses on invoicing, self hosted and php.
InvoicePlane has shipped fewer meaningful updates than Increase in the last 30 days, so weigh it on fit and feature depth rather than recent pace.
Full InvoicePlane trajectory → · Compare Increase vs InvoicePlane →
Frequently asked questions
What are the best alternatives to Increase?
The top Increase alternatives we currently track in finance tools are CloudZero, Financial Cents, Pigment, Moov, Zoho Billing, ranked by recent ship velocity.
How is this list of Increase alternatives ranked?
Alternatives are ranked by Sparkpulse's velocity_score — release cadence + 30-day spark count + sector-relative ship rate.
Can I compare Increase directly with one of these alternatives?
Yes — every card has a "Compare with Increase" link to a side-by-side /compare page.