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
- Navan is the closest full replacement, booking and expense in one product, priced by quote.
- Expensify is the simplest swap for expense only, from $5 per user a month with a card behind it.
- Ramp and Brex give the expense platform away with their cards, which suits card led finance teams.
- Zoho Expense is the budget line, with a free plan and paid tiers inside the wider Zoho suite.
- Emburse and Rydoo serve the mid market Concur leaves behind, with policy depth at lower cost.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Navan | Travel and expense in one platform | See website | No |
 Expensify | Simple expense reports and scanning | $5/month | No |
 Ramp | Free expense automation on its card | Free | Yes |
 Brex | Startups wanting card plus expense in one | Free | Yes |
 Zoho Expense | Budget expense inside the Zoho suite | Free | Yes |
 Emburse | Mid market policy and workflow depth | See website | No |
 Rydoo | Per module expense pricing for Europe and beyond | See website | No |
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The best SAP Concur alternatives in 2026
#1Navan
Best for: Travel and expense in one platform4.7/5 on
G2 (9,297 reviews, checked Oct 2026)
Visit navan.com
Starting priceSee website
Free planNo
Navan, formerly TripActions, is the alternative companies mean when they say they want Concur's job done as one product. A traveller books flights and hotels inside the company's policy and negotiated rates, pays on the platform, and the expense record assembles itself from the booking and the transaction. Finance watches spend as it happens rather than at month end, which is the structural difference from the report era Concur was built in.
Expect a sales process and per user pricing quoted to your size, hence See website. Navan's value case is strongest where travel volume is high enough that leakage and support tickets are real costs. A company whose travel is six trips a year will not feel the difference its price assumes.
What we like- Booking and expense were designed together, not acquired and glued, travellers book inside policy, so reports mostly write themselves, strong mobile experience that travellers actually use, real time spend visibility for finance as trips happen
Watch out for- Pricing is by quote and suits mid sized and larger companies best, travel inventory strength varies by region and airline, switching travel behaviour is a bigger change project than switching expense software
#2Expensify
Best for: Simple expense reports and scanning4.5/5 on
G2 (5,685 reviews, checked Oct 2026)
Visit expensify.com
Starting price$5/month
Free planNo
Expensify built its name on making the receipt disappear: photograph it, and the report builds itself. For companies whose Concur pain is the expense half (the travel programme is handled elsewhere, or barely exists), Expensify is the lightest credible swap, with plans from $5 per user a month and a card programme that closes the loop from purchase to accounting sync.
Its ceiling is organisational complexity. Multi entity policies, elaborate approval chains and a managed global travel programme are Concur's home ground, and Expensify's Control tier narrows but does not erase that gap. For the small and mid sized majority, the trade is the right one: give up depth you never configured, gain a tool employees stop complaining about.
What we like- Receipt scanning and report assembly are the fastest in this list, Collect plan starts at $5 per user a month, its own corporate card removes reimbursement chasing, integrations cover the common accounting platforms
Watch out for- Travel booking is partner fed rather than a native strength, policy and approval depth trail Concur for complex organisations, per user pricing on the higher Control tier is where controls live
#3Ramp
Best for: Free expense automation on its card4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting priceFree
Free planYes
Ramp's pitch is that expense software should be free, because the card pays for it. Issue Ramp cards, and the platform collects receipts, codes transactions, enforces policy at the point of spend and syncs to the ledger without a per user expense fee. For a finance team drowning in reimbursement admin, moving the control to the card itself is a genuinely different answer from a better report form.
Judge it as a card decision, not a software decision. Your spend has to move onto Ramp's rails, your travellers' habits change, and the advanced tiers restore a software bill for larger needs. Companies already planning a card change get the best of this deal. Companies attached to an existing card programme should look at Expensify or Navan instead.
What we like- Core platform is free, funded by card interchange, receipt capture, coding and policy checks are automated from the transaction, travel booking has been added inside the same product, savings analysis flags waste across cards and bills
Watch out for- The economics require spending on Ramp cards, pricing for advanced tiers sits on top of the free core, US centric, which limits some international finance teams, travel depth is newer than Navan's
#4Brex
Best for: Startups wanting card plus expense in one4.8/5 on
G2 (1,643 reviews, checked Oct 2026)
Visit brex.com
Starting priceFree
Free planYes
Brex started as the card startups could actually get, and grew an expense and travel platform around it. Like Ramp, the core is free at the point of use, funded by the financial relationship, and for a venture backed company the bundle of card, expense, travel and accounts in one login removes several vendors at once.
The fit question is stage. Brex serves the startup and scale up band most naturally; a traditional enterprise with negotiated travel programmes and layered entities will test its policy depth harder than its card. Its travel booking covers the common cases well. Companies in Brex's home territory will find it the least friction of any entry here.
What we like- Card, expense and travel run in one account from day one, no per seat charge for the core expense product, global cards and reimbursements suit distributed teams, underwriting suits funded startups that banks underserve
Watch out for- Best value depends on holding spend and accounts with Brex, travel product is younger than dedicated travel platforms, enterprise policy depth is catching up rather than leading
#5Zoho Expense
Best for: Budget expense inside the Zoho suite4.5/5 on
G2 (1,579 reviews, checked Oct 2026)
Visit zoho.com
Starting priceFree
Free planYes
Zoho Expense is the value line in this category, in the way Zoho usually is: a complete, workmanlike expense tool with a free tier for small teams and paid plans priced well under Expensify's, inside a suite that can also run your books, CRM and projects. Receipt scanning, approvals, mileage and policy rules are all present and correct.
What it does not attempt is the managed travel programme. Booking exists at a basic level, and a company with heavy travel will pair it with a travel tool or outgrow it toward Navan. For expense only on a budget, especially inside a Zoho shop, it is the rational default and the free plan makes the trial riskless.
What we like- Free plan covers a small team's basic expense reporting, paid tiers are among the cheapest in the category, deepens automatically if you run Zoho Books or other Zoho apps, mileage, per diem and multi currency cover the travelling basics
Watch out for- Travel booking is basic beside Navan or Concur, interface polish and support trail the category leaders, best value locks you further into the Zoho ecosystem
Starting priceSee website
Free planNo
Emburse is the alternative for the company that basically likes Concur's depth and dislikes its price and pace. Built by combining several established expense and travel products, it offers the workflow, audit and policy machinery a finance team with real rules needs, aimed a tier below the enterprise giants.
Because it is a family of products, evaluation needs care: pin down which Emburse product your quote covers, how the modules share data, and what the travellers' app experience is on the exact configuration you will buy. Priced by quote throughout. For a mid market firm with complex approvals, it is the most Concur shaped escape route here.
What we like- Assembled from established expense products, so the depth is proven, strong approval workflows, audit rules and policy enforcement, travel and expense options scale from mid market to enterprise, analytics give finance the spend story Concur buries
Watch out for- The product family can feel like several tools in one coat, pricing is quoted and varies by module, implementation is a project, if a lighter one than Concur
#7Rydoo
Best for: Per module expense pricing for Europe and beyond4.4/5 on
G2 (743 reviews, checked Oct 2026)
Visit rydoo.com
Starting priceSee website
Free planNo
Rydoo sells the expense job in modules, which suits companies that want to buy exactly the half they lack: expense automation alone, or expense with its travel booking attached. Its European roots show in careful per diem, mileage and tax handling, and it processes receipts and approvals with the speed US tools advertise.
American buyers will find a smaller footprint and fewer reference customers in their market, and should test support hours and integrations against their stack. For distributed teams across Europe and beyond, Rydoo's pricing shape and compliance detail make it the specialist alternative to a Concur contract that grew by habit rather than by fit.
What we like- Modular pricing lets you pay for expense, travel or both, per diem and mileage handling suits European rules well, receipt scanning and approvals cover the core cleanly, operates comfortably across currencies and tax regimes
Watch out for- Smaller brand in the US market than the leaders, travel module is lighter than Navan's booking engine, pricing is module and user based, confirmed by quote
How we chose
Alternatives were judged on the two jobs Concur does: getting travel booked inside policy, and getting expenses captured, approved and into the ledger with an audit trail. Card led platforms were included because moving control to the card is now a mainstream answer to the expense half, and their entries say plainly that the card is the commitment. Prices were checked in October 2026; quote priced vendors say See website rather than borrowing a number from a review. Tools that only reimburse, without policy or accounting depth, were left out.
What to test before you leave Concur
Test the traveller, not the administrator. Every demo in this category is run by someone who loves the finance view. Put your most frequent traveller and your most reluctant manager through booking a real trip and approving a real report on the trial, and time them. Adoption is the feature that decides whether the policy data is real, and adoption is decided in the app, not the dashboard.
Test your three nastiest policies. The per diem with the exception, the route that needs pre approval, the receipt rule your auditors actually check: configure those exact cases in the trial and watch where each tool bends. Expense platforms all handle the simple case beautifully. They differ on the cases your finance team will raise in the first month.
Price the travel content, not just the software. Booking fees, content gaps that push travellers to book outside, and lost negotiated rates cost more than subscription differences. Ask each vendor what your top ten routes price at inside their tool during the trial, and compare with what you pay today.
Frequently asked questions
Why do companies replace SAP Concur?
Price, pace and experience, in that order. Concur's per user and per report economics suit the enterprise it was built for; mid sized companies pay enterprise prices for depth they never configure, wait through long implementations, and field traveller complaints about the app. The alternatives here attack one or more of those three.
Which alternative is best for a small business?
Zoho Expense for the lowest cost with a free plan, or Expensify from $5 per user for the simplest scanning and reporting experience. If the company is putting spend on cards anyway, Ramp's free platform removes the expense software bill entirely and is worth the card conversation.
Do the card based platforms really cost nothing?
The core expense platform is free at Ramp and Brex, funded by card interchange and the wider financial relationship. Advanced tiers, and the cost of moving your spend and banking habits onto their rails, are the real price. It is a fair trade for many teams, but it is a trade, not a gift.
Can an alternative handle a managed travel programme?
Navan is built for it, with booking inside policy as the core product, and Emburse covers managed travel at mid market scale. The expense only tools, Zoho Expense and the card platforms' travel modules, handle lighter travel well and should be tested hard before being trusted with a complex global programme.
How painful is the switch from Concur?
Moderate, and mostly human. Data migration is a mapping exercise; the slower work is retraining travellers, reissuing cards where the model changes, and rebuilding policy rules and approval chains. Run the new tool for one group through a full monthly cycle before the company wide cutover.
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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.