Expensify alternatives (2026): 8 tools compared for buyers
Looking for an alternative to Expensify? These 8 tools do the same job with a different focus. Each one is compared on who it suits, its key features, pros and cons, and what each vendor publishes on security, admin and contract terms.
Expensify alternatives at a glance
| Tool | Best for | Starting price | Free plan or trial |
|---|---|---|---|
 Expensify Current | Contact sales | No | |
 Navan | Companies up to 300 employees with heavy travel. | Free (Navan Business, up to 300 employees) | Free plan |
 SAP Concur | Mid-size to large companies that also want travel booking tied to expenses. | From $7 per report (Base) | No |
 Emburse | Mid-size to large finance teams wanting audited vendor security. | Contact sales | No |
 Ramp | Companies that want cards, expenses and AP in one tool and are fine adopting its card. | $0 (Free); Plus $15 per user per month plus platform fee | Free plan, Free trial |
 Bill Spend & Expense | SMBs wanting no software fees and a charge card. | $0 per user per month | Free plan |
 Rippling Spend | Existing Rippling HR/IT customers. | Rippling plans from $8 per employee per month plus monthly base fee (whole platform) | No |
 Zoho Expense | Small teams on a tight budget. | Free; paid from $3 per user per month billed annually | Free plan, Free trial |
 Brex | Startups and mid-size companies that want cards plus expenses on one platform. | $0 per user per month (Essentials) | Free plan |
The 8 best Expensify alternatives
Navan
Travel-first platform (formerly TripActions) with a bundled expense module, free for companies up to 300 employees on the Business tier.
Rebranded: Formerly TripActions, rebranded to Navan in 2023 (general knowledge, not re-verified)
Travel-heavy companies up to 300 employees can use the Business tier free, with the first five expensing users at no charge and $15 per user after that. Expense is a bundled module rather than the main product. Skip it if you want expense-only software.
- Best for
- Companies up to 300 employees with heavy travel.
- Company size
- Business up to 300 employees; Enterprise larger.
Key features
- Receipt capture and OCR
- Receipt scanning included.
- Approval workflows and policy controls
- Unlimited policy and approval workflows (travel); expense approvals.
- Corporate cards
- Connect existing corporate or business cards; issuance not described.
- Accounting integrations
- Integrates with most ERPs; 30+ HRIS.
Best for
- Companies up to 300 employees with heavy travel.
- Teams that want travel and expense in one tool.
Not ideal for
- Teams wanting expense only with no travel.
- Buyers needing published Enterprise pricing.
Pricing: Free (Navan Business, up to 300 employees) · Free plan
SAP Concur
Long-running SAP-owned expense and travel platform sold per submitted report, scaling from about 10 to over 10,000 employees.
SAP Concur is an expense and travel platform from SAP, priced per submitted report with unlimited users. ExpenseIt extracts receipt details, managers approve with policy checks, and the integration list is long, which suits larger companies.
- Best for
- Mid-size to large companies that also want travel booking tied to expenses.
- Company size
- About 10 to 10,000+ employees (vendor)
Key features
- Receipt capture and OCR
- ExpenseIt AI extracts receipt details.
- Approval workflows and policy controls
- Manager approval workflow with policy checks at submission.
- Corporate cards
- Card transactions import automatically (card feeds); no issued card described.
- Accounting integrations
- Hundreds of ERP/HR/accounting partners; names QuickBooks, Xero, NetSuite.
Best for
- Mid-size to large companies that also want travel booking tied to expenses.
- Teams that need many ERP/HR integrations.
Not ideal for
- Very small teams wanting per-user pricing.
- Buyers who need published full pricing.
Pricing: From $7 per report (Base)
Emburse
Expense vendor with Expense Enterprise and Expense Professional products plus a Spend product, no public pricing.
Emburse sells Expense Enterprise and Expense Professional plus a Spend product, all by quote. It describes AI that captures, categorizes and validates spend, and it fits mid-size to large finance teams that want audited vendor security.
- Best for
- Mid-size to large finance teams wanting audited vendor security.
Key features
- Receipt capture and OCR
- AI captures, categorizes and validates spend (vendor)
- Corporate cards
- Emburse Spend listed; not described.
Best for
- Mid-size to large finance teams wanting audited vendor security.
- Organizations replacing legacy expense tools.
Not ideal for
- Buyers who need published prices.
- Very small teams.
Pricing: Contact sales
Ramp
Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on.
Companies content to adopt its card can begin free with QuickBooks Online or Xero, then move to Plus at $15 per user monthly plus a platform fee for NetSuite, Sage Intacct and approval workflows. Purchase orders require the Procurement add-on. Reviews praise receipt matching and mention occasional slow support.
- Best for
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
Key features
- Approval workflows and policy controls
- Approval workflows on Plus.
- Corporate cards
- Corporate card included on all plans.
- Accounting integrations
- Free: QuickBooks Online, Xero. Plus: NetSuite, Sage Intacct. Enterprise: Workday, Oracle Fusion.
- Reimbursements and payments
- 1099 filing $0.65 per IRS filing, free state filing.
Pros
- Easy expense reporting and automatic receipt matching with real-time alerts.
- Accounting integrations (QuickBooks, Xero, NetSuite) save time at month end close.
- Helpful and responsive customer support in many reviews.
- Efficiency gains from one place for cards, expenses and spend controls.
Cons
- Support can be slow to resolve issues and hard to reach a person in some reviews.
- Card-first model: fraud handling can mean replacing the card; sudden limit decisions reported.
- Occasional accounting integration snags, especially QuickBooks rules and memos.
- Authorization holds slow to drop off.
Pricing: $0 (Free); Plus $15 per user per month plus platform fee · Free plan, Free trial
Bill Spend & Expense
Divvy rebranded as BILL Spend & Expense: free-per-user card and expense software from Bill, earning on card interchange.
Rebranded: Divvy is now BILL Spend & Expense (formerly Divvy), services by Divvy Pay LLC.
Divvy is now BILL Spend & Expense, a card and expense product with no per-user fee. It offers budgets, approval workflows, receipt matching and spend controls, and it syncs with NetSuite, Sage Intacct, QuickBooks, Dynamics and Xero.
- Best for
- SMBs wanting no software fees and a charge card.
Key features
- Receipt capture and OCR
- AI auto-categorization and receipt matching.
- Approval workflows and policy controls
- Budgets, approval workflows, spend controls.
- Corporate cards
- Physical and virtual BILL Divvy cards, bank-partner issued.
- Accounting integrations
- NetSuite, Sage Intacct, QuickBooks, Dynamics, Xero.
Best for
- SMBs wanting no software fees and a charge card.
- Existing BILL AP/AR customers.
Not ideal for
- Teams that do not want a card or credit line.
- Buyers needing confirmed SSO.
Pricing: $0 per user per month · Free plan
Rippling Spend
Rippling's finance module (expense, corporate cards, bill pay, travel) driven by its employee data.
Finance modules here take their rules from Rippling employee data, so card limits and approval chains follow role and department. That makes sense mainly for companies already running Rippling HR or IT. Pricing is a custom quote on top of the platform fee, so ask what spend adds.
- Best for
- Existing Rippling HR/IT customers.
Key features
- Receipt capture and OCR
- Auto receipt requests by SMS and email; OCR not mentioned.
- Approval workflows and policy controls
- Custom approval workflows from employee data.
- Corporate cards
- Corporate cards with rules by employee, vendor, amount.
- Accounting integrations
- Bills sync with GL coding; QuickBooks, NetSuite named.
Best for
- Existing Rippling HR/IT customers.
- Teams wanting card controls tied to employee records.
Not ideal for
- Companies not on Rippling.
- Buyers who need published expense pricing.
Pricing: Rippling plans from $8 per employee per month plus monthly base fee (whole platform)
Zoho Expense
Low-cost per-user expense tool from Zoho with a free plan for up to 3 users and no contract.
Teams watching every dollar can start free for up to three users, then pay from $3 per user monthly on annual billing, with only expense-creating users charged. Existing Zoho Books or Zoho One customers get the smoothest fit. Check AI scan quotas per tier in the trial.
- Best for
- Small teams on a tight budget.
- Company size
- Freelancers to mid-size; Custom plan from 100 users.
Key features
- Receipt capture and OCR
- AI scan: 20/user/month Free, 200 Standard, 1,000 Premium (EU page)
- Approval workflows and policy controls
- Policy and approval workflows.
- Corporate cards
- Card feed management (Visa/Mastercard) on Standard; not an issuer.
- Reimbursements and payments
- ACH payments on Standard (EU page)
Best for
- Small teams on a tight budget.
- Existing Zoho Books or Zoho One users.
Not ideal for
- Companies needing issued corporate cards.
- Large enterprises wanting deep multi-entity workflows.
Pricing: Free; paid from $3 per user per month billed annually · Free plan, Free trial
Brex
Brex is a corporate card and spend platform with expense management, travel, bill pay and business banking, with a free base software tier.
Startups and mid-size firms willing to adopt one vendor for cards, expenses, travel, bill pay and banking should compare it. Essentials costs nothing, Premium runs $12 per user monthly, and Enterprise is custom. If you want expense software independent of the card, it fits less well.
- Best for
- Startups and mid-size companies that want cards plus expenses on one platform.
- Company size
- Startups, mid-size, enterprise (vendor)
Key features
- Receipt capture and OCR
- AI-automated expense reports (vendor claim; OCR specifics not read)
- Approval workflows and policy controls
- AI-automated approvals (vendor)
- Corporate cards
- Global corporate cards with built-in controls.
- Accounting integrations
- Vendor claims thousands of two-way ERP integrations.
Best for
- Startups and mid-size companies that want cards plus expenses on one platform.
- Teams wanting a $0 software tier.
Not ideal for
- Buyers wanting card-agnostic expense software only (pricing assumes the Brex platform, not confirmed by the vendor)
Pricing: $0 per user per month (Essentials) · Free plan
How to choose an Expensify alternative
Start with what made you look: a missing feature, a team that outgrew the plan or a bill that grew faster than the team. Then compare the shortlist on the points that matter most for this kind of software.
- Target company size: Some tools target freelancers and small teams, others multi-entity enterprises.
- Receipt capture and OCR: Accurate mobile scanning removes manual entry and missing receipts.
- Approval workflows and policy controls: Rules by amount, category and department prevent out-of-policy spend.
- Corporate cards: Integrated cards give real-time visibility instead of after-the-fact reports.
- Accounting integrations: Sync with QuickBooks, Xero, NetSuite and Sage saves finance rework.
- Reimbursements and payments: Fast employee payouts and international support affect satisfaction.
Security, admin and contract terms compared
Switching tools means a new security review. This is what Expensify and each alternative state publicly about single sign-on, provisioning, audit logs and the contract; a blank means the vendor does not say.
| Tool | SAML SSO | SCIM | Audit logs | Contract |
|---|---|---|---|---|
| Expensify | Not published | Not published | Not published | Not published |
| Navan | Not published | Not published | Not published | Not published |
| SAP Concur | Not published | Not published | Not published | Not published |
| Emburse | Not published | Not published | Not published | Not published |
| Ramp | Supported (Okta, Google, Microsoft Azure); plan not stated. | Not published | Plus and Enterprise. | Plus has 30-day free trial, switch plans any time; Enterprise annual, via sales. |
| Bill Spend & Expense | Not published | Not published | Not published | Not published |
| Rippling Spend | Not published | Not published | Not published | Not published |
| Zoho Expense | Standard and up (Custom adds AD, Okta, JumpCloud per EU page) | Not published | Basic audit trail on Free; paid not specified. | No long-term commitment, pay-as-you-go. |
| Brex | Advanced SSO on Premium and Enterprise; not Essentials. | Not published | Not published | Not published |
Expensify alternatives: frequently asked questions
What is the best alternative to Expensify?
Navan is the closest alternative for most teams: companies up to 300 employees with heavy travel. SAP Concur suits teams that mid-size to large companies that also want travel booking tied to expenses.
Is there a free alternative to Expensify?
Navan, Ramp, Bill Spend & Expense, Zoho Expense and Brex offer a free plan. Free plans usually cap users, features or history, so check the limits against your team size.