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 lead the free tier race, offering corporate cards, expense management, and bill pay at zero dollars for companies that qualify.
- Navan is the natural pick when travel and expenses need to live in one booking flow, with travel booking free and expensing from 15 dollars per user a month.
- Expensify remains the most flexible option for companies that want to keep their existing cards and still automate receipts, with a free individual plan.
- SAP Concur and Airbase serve larger companies with complex policies, audits, and multi entity structures, at quote based pricing.
- Note on Airbase: its homepage now presents Airbase as part of Paylocity, so buyers should confirm the current product packaging before purchasing.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Ramp | Startups and growth companies | $0/month | Yes |
 Brex | Startups and mid market global spend | $0/month | Yes |
 Navan | Travel plus expense in one flow | $15/user/month | Yes |
 Expensify | Keeping existing corporate cards | $5/member/month | Yes |
 SAP Concur | Large enterprises with complex policies | See website | No |
 Airbase | Mid market procure to pay control | See website | No |
 Zoho Expense | Budget teams and Zoho users | $4/user/month | Yes |
 BILL Spend & Expense | AP led teams with budget cards | $0/month | Yes |
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The best expense management software for businesses
#1Ramp
Best for: Startups and growth companies4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting price$0/month
Free planYes
Ramp is the free to start all in one spend platform: corporate cards, expense management, bill pay, and travel in one system, with AI agents handling receipt chasing, coding, and month end work in real time. The company reports 85,000 plus companies growing faster than the average American business, and positions its platform as one system for all of finance.
The free tier covers the core spend workflow, while Plus starts at 15 dollars per user a month plus a platform fee for deeper controls and automation. A newer Stack product frames Ramp as an AI operating system for finance teams, with agents working around the clock on routine workflows.
Ramp fits startups and growth companies that want cards plus expenses free and are willing to standardize on Ramp cards. Companies that must keep existing cards should look at Expensify or Zoho Expense instead.
What we like- Free tier with cards, expenses, and bill pay
- 85,000 plus companies
- AI agents for finance workflows
- Plus from 15 dollars per user a month
Watch out for- Card first model requires Ramp cards for full value
- Plus adds a platform fee
- Advanced features sit behind paid tiers
#2Brex
Best for: Startups and mid market global spend4.8/5 on
G2 (1,643 reviews, checked Oct 2026)
Visit brex.com
Starting price$0/month
Free planYes
Brex is the modern finance platform for speed and control, combining cards, banking, expenses, accounting, and travel in more than 120 countries. The company reports 35,000 plus top companies as customers, including OpenAI, Anthropic, DoorDash, and Reddit, and claims an average of 756 hours saved per year by automating expenses and accounting.
Budgets and spend limits are auto enforced before spend happens, receipts and expenses are automated through an AI assistant, and accounting syncs through thousands of two way ERP integrations. Treasury features offer up to 3.94 percent yield with same hour liquidity and up to 6 million dollars in additional FDIC insurance through program banks.
Brex fits venture backed startups and mid market companies with global entities. Companies that want to keep another card program will find Brex less flexible than Expensify.
What we like- Free Essentials tier
- Cards, banking, expenses, and travel in 120 plus countries
- 35,000 plus companies
- Premium at 12 dollars per user a month
Watch out for- Automation starts at the Brex card swipe
- Banking features vary by country
- Premium features add cost
#3Navan
Best for: Travel plus expense in one flow4.7/5 on
G2 (9,297 reviews, checked Oct 2026)
Visit navan.com
Starting price$15/user/month
Free planYes
Navan solves business travel and expense together: employees book from extensive inventory within spending limits, expenses flow from swipe to reconciliation automatically, and payments run through Navan corporate cards, Navan Connect for Visa, Mastercard, and American Express cards, or reimbursements for personal cards.
Travel booking itself is free, and the expense plan costs 15 dollars per user a month, with the first 5 monthly expensing users free for companies under 300 employees. A newer Navan Edge AI travel assistant handles flights, hotels, and restaurants with 24/7 human support in chat, and Navan Rewards gives employees perks when they book below budget at no cost to the company.
Navan fits companies where travel is a major spend category. Expense only teams that rarely travel may find Ramp or Expensify simpler and cheaper.
What we like- Travel booking and expenses in one platform
- First 5 expensing users free for smaller companies
- 4.7 out of 5 on G2 from 9,000 plus reviews
- Navan Connect for existing cards
Watch out for- Expense plan starts at 15 dollars per user a month
- Travel focus may be more than expense only teams need
- Rewards and rates vary by supplier
#4Expensify
Best for: Keeping existing corporate cards4.5/5 on
G2 (5,685 reviews, checked Oct 2026)
Visit expensify.com
Starting price$5/member/month
Free planYes
Expensify is the classic expense platform: scan receipts, submit reports, approve, and reimburse, with reports syncing automatically to accounting. More than 15 million members trust the platform, and the company reports a 4.5 out of 5 rating from 4,889 reviews.
The standout is bring your own cards: link the corporate cards a company already has for automatic reconciliation across more than 10,000 banks globally, rather than switching card programs. Virtual cards can be issued instantly for employees, vendors, or projects, and global reimbursements pay employees or contractors anywhere in local currency.
Expensify fits teams that want expense reporting without new cards and without ceremony. Companies that want free cards plus expenses should compare Ramp and Brex first.
What we like- Free individual plan
- Bring your own cards with 10,000 plus banks
- Company plans from 5 dollars per member
- Global reimbursements in local currency
Watch out for- Advanced controls cost 18 dollars per member on Control plans
- Annual size commitments cannot be lowered until renewal
- Card cash back offsets vary
#5SAP Concur
Best for: Large enterprises with complex policies4.0/5 on
G2 (7,226 reviews, checked Oct 2026)
Visit concur.com
Starting priceSee website
Free planNo
SAP Concur is the enterprise standard for travel, expense, and invoice management, with AI powered solutions that unify data, simplify work, and drive decisions. Concur Expense auto captures receipts and generates reports, Concur Travel offers an agentic AI assistant trained on company policies, and Concur Invoice automates accounts payable with duplicate payment prevention.
Compliance controls are multi layer: granular policy configuration by category, amount, geography, or employee group, configurable approval hierarchies, real time out of policy flagging before submission, and consistent enforcement across teams and geographies. Global capabilities include multi country tax compliance, real time foreign exchange handling, and multi currency support in one organization.
SAP Concur fits large enterprises with complex policies, audits, and multi entity structures, especially those already standardized on SAP. Smaller teams should start with Ramp, Brex, or Zoho Expense.
What we like- Deepest enterprise policy and audit controls
- 300 plus pre built connectors
- Multi country tax and VAT compliance
- AI across the full expense lifecycle
Watch out for- Quote based pricing
- Implementation timelines vary with complexity
- Smaller companies may find it heavy
Starting priceSee website
Free planNo
Airbase serves mid market finance teams with serious procurement workflows, combining bill pay, corporate cards, and expense management with approval flows that control spend before it happens. The procure to pay angle suits companies where purchasing, not just expenses, drives spend.
Flag: airbase.com now presents Airbase as a Paylocity company, with messaging that Paylocity for Finance combines spend management with the Paylocity HCM platform for payroll and non payroll expenses on one platform. Existing clients are told they can continue with trusted contacts, but new buyers should confirm current packaging, pricing, and whether the standalone Airbase product or the Paylocity bundle fits them.
Airbase fits mid market companies that want procurement control alongside expenses. Companies that want a simple free tier should choose Ramp or BILL Spend and Expense.
What we like- Procurement led spend control
- Bill pay, cards, and expenses in one workflow
- Now backed by Paylocity HCM platform
- Strong mid market fit
Watch out for- Quote based pricing
- Homepage now presents Paylocity packaging, so product details need confirmation
- Smaller brand presence than Ramp or Brex
#7Zoho Expense
Best for: Budget teams and Zoho users4.5/5 on
G2 (1,579 reviews, checked Oct 2026)
Visit zoho.com
Starting price$4/user/month
Free planYes
Zoho Expense is the budget play for teams that want a complete travel and expense platform without enterprise pricing. It connects travel booking, expense management, and corporate cards in one intelligent system, with AI receipt capture in more than 38 languages, real time card feeds, autonomous expense reporting, GSA compliant per diem, and IRS compliant mileage tracking.
Travel booking covers more than 500 airlines and 1.6 million hotels worldwide with corporate negotiated rates, while multi entity management handles subsidiaries, currencies, tax systems, and regional policies. The company claims 46 plus hours saved per employee annually and a 70 percent reduction in expense processing time based on customer case studies.
Zoho Expense fits budget conscious teams and companies already using Zoho Books or other Zoho apps. Teams that want free corporate cards should compare Ramp and Brex.
What we like- Free version available
- AI receipt capture in 38 plus languages
- Travel, expenses, and cards connected
- 2,500 plus integrations
Watch out for- Entry pricing varies by source between 3 and 4 dollars per user
- Smaller US brand presence than Ramp or Brex
- Advanced enterprise features add cost
#8BILL Spend & Expense
Best for: AP led teams with budget cards4.5/5 on
G2 (2,241 reviews, checked Oct 2026)
Visit bill.com
Starting price$0/month
Free planYes
BILL Spend & Expense, formerly Divvy, gives small teams free spend controls through the BILL Divvy Card, with budgets that enforce limits automatically and decline spend at zero dollars. It sits inside the broader BILL financial operations platform, which also handles accounts payable, accounts receivable, invoices, and business credit.
The platform reports more than 500,000 businesses automating financial operations, with two way sync to QuickBooks, NetSuite, and Intacct, and AI powered expense accuracy that categorizes spend and flags issues. Credit lines from 1,000 to 5 million dollars are available on approval, and rewards apply to eligible spend.
BILL Spend & Expense fits accountant led finance teams with AP first needs that want free budget enforced cards. Expense only teams that do not need AP should compare Ramp or Expensify.
What we like- Free core card product
- Budgets that decline at zero dollars
- Two way sync with QuickBooks, NetSuite, and Intacct
- 500,000 plus businesses on BILL
Watch out for- Requires the BILL Divvy Card for full value
- AP platform breadth may be more than expense only teams need
- Credit lines from 1,000 to 5 million dollars depend on approval
How we chose
We compared expense management software by pricing transparency, free tier quality, card model, travel integration, policy and audit depth, accounting integrations, and company size fit. We opened every vendor homepage to confirm it loads and belongs to the product described, and we flag Airbase Paylocity packaging openly above. We weighted free and low cost tiers for smaller businesses alongside enterprise controls for larger ones, and we excluded tools without a verifiable US expense product and tools that only track personal spending.
What to check before you choose expense software
First, decide whether cards or reporting comes first. Card first tools like Ramp, Brex, and BILL control spend before it happens but require their cards, while reporting tools like Expensify and Zoho Expense work with cards you already have. That single choice narrows the list more than any feature comparison.
Next, test the approval and policy workflow with a real expense, not a demo. Multi level approvals, per diem rules, mileage tracking, and VAT handling behave differently in practice, and a tool that looks simple in a demo can slow down a team with complex policies.
Finally, confirm the accounting sync for your exact system. Two way sync with QuickBooks, NetSuite, Xero, Sage Intacct, and Microsoft tools varies by plan, and a broken sync turns an expense tool into another manual job at month end.
Frequently asked questions
What is the best expense management software for small businesses?
Ramp and Brex lead for small businesses because their core tiers are free and include corporate cards. Expensify is best for teams that want to keep existing cards, and Zoho Expense is best for budget teams already using Zoho apps.
Is there free expense management software?
Yes. Ramp, Brex, and BILL Spend & Expense all offer free core tiers, and Expensify and Zoho Expense offer free plans for individuals or small teams. Paid tiers add controls, automation, and support.
Do I need to switch corporate cards to use expense software?
Not always. Expensify and Zoho Expense work with existing corporate cards, and Navan Connect supports Visa, Mastercard, and American Express cards. Ramp, Brex, and BILL deliver the most value when you use their cards.
What is the difference between expense management and spend management?
Expense management covers reporting, approval, and reimbursement after spend happens. Spend management adds cards, budgets, and controls before spend happens, plus bill pay and procurement in broader platforms like Ramp, Brex, and Airbase.
Should a large enterprise use SAP Concur or a newer tool?
SAP Concur suits large enterprises with complex policies, audits, and multi entity structures, especially those on SAP. Newer tools like Ramp and Brex suit faster growing companies that want free tiers and simpler setup, but may lack Concur depth for global compliance.
Sources we checked (10)
- https://ramp.com
- https://www.brex.com
- https://www.navan.com
- https://www.expensify.com
- https://www.concur.com
- https://www.airbase.com
- https://www.zoho.com/expense/
- https://www.bill.com
- https://rankite.com/blog/best-corporate-expense-tracking-software
- https://www.itilite.com/blog/top-10-best-expense-management-software
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.