Expense Management Software
Zoho Expense review
Low-cost per-user expense tool from Zoho with a free plan for up to 3 users and no contract.
Zoho Expense at a glance
- Category
- Expense Management Software
- Starting price
- Free; paid from $3 per user per month billed annually
- Pricing model
- per user
- Public pricing
- Yes
- Free plan
- Yes
- Free trial
- Yes
- Contract
- pay-as-you-go, no long-term commitment
- G2 rating
- 4.5 (1,542 reviews)
Buying Zoho Expense: security, admin and contract
- SAML SSO
- Standard and up (Custom adds AD, Okta, JumpCloud per EU page)
- Audit logs
- Basic audit trail on Free; paid not specified.
- Contract
- No long-term commitment, pay-as-you-go.
- Support
- Email on Free; Premium Support paid add-on.
- Implementation
- Jumpstart onboarding paid add-on.
Questions to ask Zoho Expense before you sign
- Is SCIM provisioning included, or a paid add-on?
- Where is our data stored, and can we choose the region?
- Can we sign your standard DPA without changes?
- What will the price be at renewal, and is the increase capped?
Questions are listed where Zoho Expense's public pages leave the answer open.
Who Zoho Expense is for
Choose Zoho Expense if
- Small teams on a tight budget.
- Existing Zoho Books or Zoho One users.
Look elsewhere if
- Companies needing issued corporate cards.
- Large enterprises wanting deep multi-entity workflows.
Zoho Expense pricing
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Free | $0 | up to 3 users | 20 AI receipt scans/user/month, 5 GB storage, email support |
| Standard | $4 monthly / $3 annual | per user per month | includes SSO, company card feeds |
| Premium | $6 monthly / $5 annual | per user per month | includes Standard features, live mileage, travel booking, budgets |
| Custom | Quote | min 100 users (EU page), custom ERP/HRMS integrations |
US page; German page shows EUR 4/3 and 6/5. Only users who create expenses are billed.
Zoho Expense features by buying criteria
| Criterion | What we found |
|---|---|
| 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. |
| Corporate cards | Card feed management (Visa/Mastercard) on Standard; not an issuer. |
| Reimbursements and payments | ACH payments on Standard (EU page) |
| Travel and mileage tracking | GPS mileage on Free; live mileage and travel booking on Premium. |
What most Zoho Expense reviews leave out
- 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)
- Travel add-on costs EUR 9.99 per trip; Premium Support from EUR 490/yr; Jumpstart onboarding from EUR 500/yr (EU page)
Zoho Expense alternatives
RipplingCompanies already running payroll and HR on Rippling that want app access tied to employee records.$8 per employee per month plus monthly base fee
RampCompanies 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
BrexStartups and mid-size companies that want cards plus expenses on one platform.$0 per user per month (Essentials)
Bill Spend & ExpenseSMBs wanting no software fees and a charge card.$0 per user per month
EmburseMid-size to large finance teams wanting audited vendor security.Contact sales
ExpensifyExpensify is a receipt-scanning expense reporting app for small teams, sold per member.Contact sales
Sources
Every fact on this page comes from Zoho Expense's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.