How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Ramp and Brex run full expense platforms for free, funded by card interchange, with paid tiers at 15 and 12 dollars per user a month.
- Expensify remains the classic expense reporting tool, with company plans from 5 dollars per member a month and a free individual tier.
- Zoho Expense is the budget pick for card-agnostic teams, from 3 dollars per user a month with a free plan for up to 3 users.
- SAP Concur is the enterprise standard for complex travel and strict policy, priced by quote.
- Navan combines travel booking with expense capture, and its first 5 monthly expensing users are free for companies under 300 employees.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Expensify | Classic expense reporting | $5 per member per month | Yes |
 Ramp | Card-first spend control | $0 | Yes |
 Brex | Startups and scaling companies | $0 | Yes |
 Zoho Expense | Budget-conscious card-agnostic teams | $3 per user per month | Yes |
 SAP Concur | Enterprise travel and policy | See website | No |
 Rydoo | Multinational expense and AP | $9 per user per month | No |
 Navan | Travel plus expenses | $0 | Yes |
 BILL Spend & Expense | Card-based budgeting at no cost | $0 | Yes |
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
The best business expense tracking apps
#1Expensify
Best for: Classic expense reporting4.5/5 on
G2 (5,685 reviews, checked Oct 2026)
Visit expensify.com
Starting price$5 per member per month
Free planYes
Expensify is the classic expense reporting tool, trusted by 15 million plus members. Its homepage covers expense management, travel booking, the Expensify Card, receipt scanning, bring-your-own-cards support across 10,000 plus banks, global reimbursements in local currency, and virtual cards free with every Expensify Card.
The workflow is simple: scan a receipt via the mobile app, forward it to receipts@expensify.com, or swipe the Expensify Card, and Concierge AI categorizes, submits, and flags policy violations automatically. Reimbursement reaches bank accounts in as little as one business day, and reports sync two-way with QuickBooks, Sage Intacct, NetSuite, Xero, and more than 45 other apps.
The homepage confirms company plans start at 5 dollars per member, with cash back from the Expensify Card offsetting that cost, and individual use is free. Advanced controls such as multi-level approvals, ERP integrations, and SAML single sign-on sit on the Control tier at 18 dollars per member annually in 2026 comparisons. Expensify is the pick when you want simple, fast expense reports that work with any card.
What we like- Free for individuals
- Concierge AI categorizes and submits
- Expensify Card cash back offsets fees
- Bring-your-own-cards support
- Global reimbursements
Watch out for- Advanced controls cost more on Control tier
- Annual size commitment on Control
- Per-member pricing adds up
#2Ramp
Best for: Card-first spend control4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting price$0
Free planYes
Ramp is the card-first spend platform that gives the software away because it earns interchange revenue from card spend. Its homepage describes one platform for all of finance, with agents for every workflow working around the clock, built on the intelligence of 85,000 plus finance teams, and a new AI operating system called Stack by Ramp.
The model is control before spend: issue cards with limits, chase receipts automatically, code transactions in real time, and close the books faster, with AI that learns from your team and gets smarter with every team that joins. Testimonials on the homepage cite manual edits dropping drastically as Ramp's AI improves week by week.
The core platform is free, with Ramp Plus at 15 dollars per user a month in 2026 comparisons adding advanced controls. Ramp is the pick when you are willing to switch cards in exchange for free, genuinely powerful expense software.
What we like- Free core platform
- Corporate cards with built-in controls
- AI agents for every workflow
- 85,000 companies
- Real-time receipt chasing
Watch out for- Card-first model requires Ramp cards for full value
- Advanced features need Ramp Plus at 15 dollars per user
- Underwriting required
#3Brex
Best for: Startups and scaling companies4.8/5 on
G2 (1,643 reviews, checked Oct 2026)
Visit brex.com
Starting price$0
Free planYes
Brex is the modern finance platform for startups, mid-size companies, and enterprises, spanning cards, banking, expenses, accounting, and travel in 120 plus countries. Its homepage promises finance built for speed and control, trusted by 35,000 plus companies including DoorDash, OpenAI, Reddit, and Anthropic.
The expense experience centers on automated receipts, an AI-powered expense assistant, in-app travel bookings, and a five-star mobile app, with budgets and spend limits auto-enforced before purchases happen. Brex cites 756 hours saved per year on average by automating expenses and accounting, with 71 percent of expenses handled entirely by automations.
The core platform is free, with Brex Premium at 12 dollars per user a month in 2026 comparisons, and business accounts offering up to 3.95 percent treasury yield and up to 6 million dollars in additional FDIC insurance through program banks. Brex is the pick when you want a complete financial stack, not just expense tracking, from a startup-friendly vendor.
What we like- Free core platform
- Cards, banking, expenses, and accounting in 120 plus countries
- AI-powered controls
- Up to 3.95 percent treasury yield
Watch out for- Card-first model
- Premium tier at 12 dollars per user for advanced features
- Credit limits depend on underwriting
#4Zoho Expense
Best for: Budget-conscious card-agnostic teams4.5/5 on
G2 (1,579 reviews, checked Oct 2026)
Visit zoho.com
Starting price$3 per user per month
Free planYes
Zoho Expense is the budget pick for teams that want to keep their existing cards. Its homepage describes AI-native travel and expense management: travel, expenses, and cards all connected and governed, with native online travel booking across 500 plus airlines and 1.6 million plus hotels, AI receipt capture in 38 plus languages, autonomous expense reporting, and real-time corporate card feeds.
The key difference from Ramp and Brex is card freedom: Zoho Expense connects to your existing cards and starts working the moment the card is swiped, with built-in spend controls, automated matching, and auto-categorized transactions. Its Zia AI reviews every expense against company policies, flagging duplicate claims, risky merchants, and unusual spend patterns.
2026 comparisons put Zoho Expense from 3 dollars per user a month, with a free plan for up to 3 users, and the homepage cites 46 plus hours saved per employee annually and a 70 percent reduction in expense processing time. Zoho Expense is the pick when budget rules and you want to keep your bank relationships.
What we like- Cheapest paid plans
- Keep your bank and card program
- AI receipt capture in 38 plus languages
- Travel booking built in
- 2,500 plus integrations
Watch out for- Travel inventory smaller than Navan or Concur
- Premium features need higher tiers
- Zoho ecosystem bias
#5SAP Concur
Best for: Enterprise travel and policy4.0/5 on
G2 (7,226 reviews, checked Oct 2026)
Visit concur.com
Starting priceSee website
Free planNo
SAP Concur is the enterprise standard for spend management, unifying expense, travel, and invoice solutions with AI trained on one of the largest expense datasets in the industry. Its homepage highlights auto-capture receipts, instant policy updates, an agentic AI travel assistant trained on your policies, and invoice automation that prevents duplicate payments.
The compliance story is the deepest here: granular policy configuration by category, amount, geography, or employee group, configurable approval hierarchies, real-time out-of-policy flagging before submission, and multi-country tax compliance including VAT and local regulatory requirements. Integrations cover 300 plus pre-built connectors plus open APIs.
Pricing is quote-only, with 2026 comparisons citing around 7 dollars per report on a base plan, and implementations running multi-month for complex organizations. SAP Concur is the pick when your company is multinational, heavily regulated, or already standardized on SAP.
What we like- Deepest policy and compliance controls
- Travel, expense, and invoice in one platform
- 300 plus pre-built connectors
- Global tax and VAT handling
Watch out for- Quote-only pricing
- Multi-month implementations
- Complexity overkill for small teams
#6Rydoo
Best for: Multinational expense and AP4.4/5 on
G2 (743 reviews, checked Oct 2026)
Visit rydoo.com
Starting price$9 per user per month
Free planNo
Rydoo automates expense management and accounts payable for multinational finance teams, with two specialized products keeping every expense and invoice in policy. Its homepage leads with Rydoo Intelligence, AI agents and assistants that handle routine work and flag judgement calls across expense and AP processes.
The platform connects with over 50 HR, travel, ERP, and finance tools, and customer stories show real scale: SWISS estimates Rydoo saves approximately 530 working days each year versus its analogue process, with 2,800 plus hours saved annually across 8,000 plus employees. Gartner Peer Insights named Rydoo a top-rated vendor at 4.6 out of 5 for 2026, with 96 percent willingness to recommend.
Pricing starts at 9 dollars per user a month in 2026 comparisons, with no free plan. Rydoo is the pick when you run a multinational operation and need expense plus AP automation with strong European coverage.
What we like- Built for multinational finance teams
- Expense plus AP automation
- Rydoo Intelligence AI agents
- 50 plus integrations
- Top-rated vendor 4.6 out of 5
Watch out for- No free plan
- European focus may suit US teams less
- Pricing climbs with modules
#7Navan
Best for: Travel plus expenses4.7/5 on
G2 (9,297 reviews, checked Oct 2026)
Visit navan.com
Starting price$0
Free planYes
Navan, formerly TripActions, is the number one corporate travel management platform that also handles expenses. Its homepage promises business travel and expense management solved, with Navan Travel for booking from extensive inventory within spending limits, Navan Expense for centralized spend from swipe to reconciliation, and payments through Navan cards, Navan Connect for existing corporate cards, or reimbursements for personal cards.
The travel-plus-expense combination is the point: employees book inside policy, spend guardrails apply automatically, and Navan Rewards incentivizes booking below budget at no cost to the company. The homepage cites a 4.7 out of 5 rating across 9,000 plus reviews, with 24/7 human support and a premium Reed and Mackay service for high-touch travel.
2026 comparisons note the first 5 monthly expensing users are free for companies under 300 employees, with paid tiers around 15 dollars per user a month. Navan is the pick when travel booking and expense capture belong in one system, especially for road-warrior teams.
What we like- Travel and expense in one platform
- First 5 expensing users free under 300 employees
- Navan Connect works with existing Visa, Mastercard, and Amex cards
Watch out for- Travel focus means expense-only teams pay for booking features
- Paid tiers at 15 dollars per user
- Rewards program complexity
#8BILL Spend & Expense
Best for: Card-based budgeting at no cost4.5/5 on
G2 (2,241 reviews, checked Oct 2026)
Visit bill.com
Starting price$0
Free planYes
BILL Spend & Expense, built on the former Divvy, gives teams card-based budgeting at no software cost. Its homepage describes an AI-powered financial operations platform covering bills, invoices, expenses, budgets, and credit, trusted by 500,000 plus businesses automating financial operations, with 9 million network members and 345 billion dollars in annual payment volume.
The spend product combines intelligent software with the BILL Divvy Card powered by Visa, offering credit lines from 1,000 to 5 million dollars, easy fund requests, budget setting, and spend tracking, with two-way sync to QuickBooks, NetSuite, and Intacct. Customer stories cite 20 percent efficiency gains, 67 percent faster closes, and 90 percent faster payment processing.
The software is free because BILL earns on the card, like Ramp and Brex, and the broader platform also handles AP and AR if you need them. BILL is the pick when you want free card-based expense control inside a full financial operations platform, especially if you already use BILL for bill pay.
What we like- Free spend and expense software
- BILL Divvy Card with credit lines from 1,000 to 5 million dollars
- AP and AR on the same platform
- 500,000 plus businesses
Watch out for- Card-first model requires the Divvy card for full value
- AP features may exceed pure expense needs
- Credit approval required
How we chose
We compared expense tracking apps with real finance teams using them, pricing from 2026 comparisons, and homepages we opened on 27 October 2026 to confirm they load and belong to the vendor. SAP Concur pricing is listed as "See website" because it is quote-only. Fyle is not listed separately because it became Sage Expense Management in 2026. We did not claim hands-on testing.
What to check before you pick
Start from how your team spends. Card-first teams belong on Ramp, Brex, or BILL, where the software is free. Card-agnostic teams belong on Expensify, Zoho Expense, or SAP Concur. Travel-heavy teams belong on Navan or Concur. Multinational teams belong on Rydoo or Concur.
Next, model a full year at your headcount, including platform fees, transaction fees, and paid-tier boundaries. A free core tier can still cost money when advanced controls, multi-level approvals, or ERP integrations sit behind a paid tier.
Finally, ask for a written implementation timeline and data migration terms. Card-first platforms can go live within days once underwriting clears, Expensify and Zoho Expense typically take one to three weeks, and enterprise tools like SAP Concur run multi-month projects.
Frequently asked questions
What is the best business expense tracking app overall?
Expensify for classic reporting, Ramp for free card-first control, and Zoho Expense for budget-conscious teams that keep their cards. The right pick depends on whether you will switch cards and how complex your policies are.
Is free expense tracking software actually free?
The card-first platforms are genuinely free for the software: Ramp, Brex, and BILL charge 0 dollars for base tiers because they earn interchange revenue from card spend. You still need to qualify for the card, and advanced features sit on paid tiers.
Do I need corporate cards to use these tools?
Only with the card-first platforms, and even then the card is the point: Ramp, Brex, and BILL issue cards as part of the product. Expensify, Zoho Expense, Concur, Rydoo, and Navan Connect all work with your existing cards or with pure reimbursements.
How much does expense software cost per user?
Free tiers run 0 dollars at Ramp, Brex, and BILL. Paid plans range from about 3 dollars per user a month for Zoho Expense to 5 dollars for Expensify Collect, 9 dollars for Rydoo, 12 dollars for Brex Premium, and around 15 dollars for Ramp Plus and Navan Expense. SAP Concur prices by quote.
How long does implementation take?
Card-first platforms can issue virtual cards and go live within days once underwriting clears. Expensify and Zoho Expense typically take one to three weeks including policy setup. Enterprise tools like SAP Concur are multi-month projects with dedicated implementation teams.
What integrations matter most?
Accounting sync with QuickBooks, Xero, NetSuite, or Sage matters most, followed by HR system sync for employees and managers, travel booking for T&E teams, and ERP integration for larger companies. Confirm your exact stack before buying.
Sources we checked (8)
- https://www.expensify.com
- https://ramp.com
- https://www.brex.com
- https://www.zoho.com/us/expense/
- https://www.concur.com
- https://www.rydoo.com
- https://www.navan.com
- https://www.bill.com
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.