Software directory
8 Expensify alternatives for 2026
The tools buyers compare with Expensify, side by side on price, pricing model and what each one is built for.
Expensify vs. its alternatives
| Tool | Pricing model | Starting price | G2 rating | Pricing model | Target company size | Receipt capture and OCR | Approval workflows and policy controls |
|---|---|---|---|---|---|---|---|
 Expensify Current | Not published | Contact sales | 4.5 (5,654 reviews) | ||||
 Navan | per user | Free (Navan Business, up to 300 employees) | 4.7 (9,517 reviews) | Free first 5 expensing users, then $15/expensing user/month (FAQ) | Business up to 300 employees; Enterprise larger. | Receipt scanning included. | Unlimited policy and approval workflows (travel); expense approvals. |
 SAP Concur | per report | From $7 per report (Base) | 4.0 (6,765 reviews) | Per submitted report, unlimited users on all tiers. | About 10 to 10,000+ employees (vendor) | ExpenseIt AI extracts receipt details. | Manager approval workflow with policy checks at submission. |
 Emburse | custom | Contact sales | 4.4 (6,146 reviews) | Quote only. | AI captures, categorizes and validates spend (vendor) | ||
 Ramp | per user plus platform fee | $0 (Free); Plus $15 per user per month plus platform fee | 4.8 (2,492 reviews) | Free plan $0; Plus $15 per user per month plus platform fee by team size. | Approval workflows on Plus. | ||
 Bill Spend & Expense | per user | $0 per user per month | 4.5 (2,081 reviews) | No per-user fee; card based. | AI auto-categorization and receipt matching. | Budgets, approval workflows, spend controls. | |
 Rippling Spend | per employee | Rippling plans from $8 per employee per month plus monthly base fee (whole platform) | 4.7 (1,818 reviews) | Per employee per month with base fee; custom quote. | Auto receipt requests by SMS and email; OCR not mentioned. | Custom approval workflows from employee data. | |
 Zoho Expense | per user | Free; paid from $3 per user per month billed annually | 4.5 (1,542 reviews) | Per user, only expense-creating users billed. | Freelancers to mid-size; Custom plan from 100 users. | AI scan: 20/user/month Free, 200 Standard, 1,000 Premium (EU page) | Policy and approval workflows. |
 Brex | per user (software) plus card | $0 per user per month (Essentials) | 4.8 (1,515 reviews) | Essentials $0, Premium $12 per user per month, Enterprise custom. | Startups, mid-size, enterprise (vendor) | AI-automated expense reports (vendor claim; OCR specifics not read) | AI-automated approvals (vendor) |
The alternatives in detail
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)
- Starting price
- Free (Navan Business, up to 300 employees)
- Pricing model
- per user
- G2 rating
- 4.7 (9,517 reviews)
- Pricing model
- Free first 5 expensing users, then $15/expensing user/month (FAQ)
- Target company size
- Business up to 300 employees; Enterprise larger.
- Receipt capture and OCR
- Receipt scanning included.
- Approval workflows and policy controls
- Unlimited policy and approval workflows (travel); expense approvals.
Choose it if
- Companies up to 300 employees with heavy travel.
- Teams that want travel and expense in one tool.
Skip it if
- Teams wanting expense only with no travel.
- Buyers needing published Enterprise pricing.
Worth knowing
- Expense is free only for the first 5 monthly expensing users; FAQ lists $15 per user per month after that.
- Free Business tier capped at companies with 300 or fewer employees.
- Pricing page does not mention SSO or contract terms.
SAP Concur
Long-running SAP-owned expense and travel platform sold per submitted report, scaling from about 10 to over 10,000 employees.
- Starting price
- From $7 per report (Base)
- Pricing model
- per report
- G2 rating
- 4.0 (6,765 reviews)
- Pricing model
- Per submitted report, unlimited users on all tiers.
- Target company size
- About 10 to 10,000+ employees (vendor)
- Receipt capture and OCR
- ExpenseIt AI extracts receipt details.
- Approval workflows and policy controls
- Manager approval workflow with policy checks at submission.
Choose it if
- Mid-size to large companies that also want travel booking tied to expenses.
- Teams that need many ERP/HR integrations.
Skip it if
- Very small teams wanting per-user pricing.
- Buyers who need published full pricing.
Worth knowing
- Priced per expense report, not per seat: cost scales with report volume.
- Unlimited users on every tier.
- Premium bundles Concur Travel and Intelligence only on custom pricing.
Emburse
Expense vendor with Expense Enterprise and Expense Professional products plus a Spend product, no public pricing.
- Starting price
- Contact sales
- Pricing model
- custom
- G2 rating
- 4.4 (6,146 reviews)
- Pricing model
- Quote only.
- Receipt capture and OCR
- AI captures, categorizes and validates spend (vendor)
- Corporate cards
- Emburse Spend listed; not described.
Choose it if
- Mid-size to large finance teams wanting audited vendor security.
- Organizations replacing legacy expense tools.
Skip it if
- Buyers who need published prices.
- Very small teams.
Worth knowing
- Homepage lists ISO 27001 only as guided implementation, not a certification.
- ISO 42001 (AI management) certified.
- Sub-brands Certify, Chrome River, Abacus were not mentioned on the homepage; check which product you are quoted.
Ramp
Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on.
- Starting price
- $0 (Free); Plus $15 per user per month plus platform fee
- Pricing model
- per user plus platform fee
- G2 rating
- 4.8 (2,492 reviews)
- Pricing model
- Free plan $0; Plus $15 per user per month plus platform fee by team size.
- 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.
Choose it if
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
- Teams that want a free entry tier with QuickBooks Online or Xero.
Skip it if
- Teams that need PO management without the Plus plan (Procurement is Plus or Enterprise only)
- Buyers who want a standalone procurement tool unconnected to a card program.
Worth knowing
- PO functions are a paid add-on and need Plus, so the $0 tier has no purchase orders.
- Plus fee has a platform component based on team size that the page does not quantify.
- ERP depth rises by tier: NetSuite and Sage Intacct only from Plus, Workday and Oracle from Enterprise.
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.
- Starting price
- $0 per user per month
- Pricing model
- per user
- G2 rating
- 4.5 (2,081 reviews)
- Pricing model
- No per-user fee; card based.
- 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.
Choose it if
- SMBs wanting no software fees and a charge card.
- Existing BILL AP/AR customers.
Skip it if
- Teams that do not want a card or credit line.
- Buyers needing confirmed SSO.
Worth knowing
- Rebranded from Divvy to BILL Spend & Expense.
- $0 per user but tied to card usage and credit approval.
- Spend & Expense Partner plan is free for accountants and their clients.
Rippling Spend
Rippling's finance module (expense, corporate cards, bill pay, travel) driven by its employee data.
- Starting price
- Rippling plans from $8 per employee per month plus monthly base fee (whole platform)
- Pricing model
- per employee
- G2 rating
- 4.7 (1,818 reviews)
- Pricing model
- Per employee per month with base fee; custom quote.
- 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.
Choose it if
- Existing Rippling HR/IT customers.
- Teams wanting card controls tied to employee records.
Skip it if
- Companies not on Rippling.
- Buyers who need published expense pricing.
Worth knowing
- Page does not mention OCR; receipts are chased automatically after card purchases.
- Sometimes referred to as Rippling Finance.
- Priced as part of a per-employee Rippling bundle with a monthly base fee.
Zoho Expense
Low-cost per-user expense tool from Zoho with a free plan for up to 3 users and no contract.
- Starting price
- Free; paid from $3 per user per month billed annually
- Pricing model
- per user
- G2 rating
- 4.5 (1,542 reviews)
- Pricing model
- Per user, only expense-creating users billed.
- Target company size
- Freelancers to mid-size; Custom plan from 100 users.
- 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.
Choose it if
- Small teams on a tight budget.
- Existing Zoho Books or Zoho One users.
Skip it if
- Companies needing issued corporate cards.
- Large enterprises wanting deep multi-entity workflows.
Worth knowing
- SSO is already on Standard, the cheapest paid plan.
- Free plan limited to 3 users and 20 receipt scans per user per month.
- Custom plan has a 100-user minimum (EU pricing page)
Brex
Brex is a corporate card and spend platform with expense management, travel, bill pay and business banking, with a free base software tier.
- Starting price
- $0 per user per month (Essentials)
- Pricing model
- per user (software) plus card
- G2 rating
- 4.8 (1,515 reviews)
- Pricing model
- Essentials $0, Premium $12 per user per month, Enterprise custom.
- Target company size
- Startups, mid-size, enterprise (vendor)
- Receipt capture and OCR
- AI-automated expense reports (vendor claim; OCR specifics not read)
- Approval workflows and policy controls
- AI-automated approvals (vendor)
Choose it if
- Startups and mid-size companies that want cards plus expenses on one platform.
- Teams wanting a $0 software tier.
Skip it if
- Buyers wanting card-agnostic expense software only (pricing assumes the Brex platform, not verified)
Worth knowing
- Advanced SSO is Premium and up ($12/user/month); Essentials is $0 but has MFA and enterprise IdP support per comparison table.
- Vendor markets 120+ countries and 35,000+ companies.
- Brex site names Henrique Dubugras as Co-CEO; ownership change not confirmed here.