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Money

The 7 Apps a Small Business Actually Needs

Most small businesses pay for eleven or twelve subscriptions, use five properly, and miss two things they genuinely need. Here's the list — plus the money you're almost certainly burning.

The short version

  • Seven categories: email and documents, accounting, password manager, backup, customer tracking, getting paid, one AI account
  • A password manager is the best security value on the list, at roughly $4–8 per user per month
  • Most businesses under ten people don't need a CRM — a well-kept spreadsheet beats one nobody updates
  • Four common money-wasters: licences for leavers, premium tiers for everyone, duplicate tools, forgotten renewals

Published 2026-08-12 · 5:05 · Watch on YouTube