The best Expensify alternatives in 2026

Expensify made the receipt-scanning expense report popular, and it is still a sensible choice for many teams. But the expense management market in 2026 looks very different from the one Expensify grew up in. The biggest change is that corporate card companies now give away expense software for free, and charge only when you need advanced controls. Ramp, Brex and BILL Spend & Expense all have $0 plans that include cards, receipt matching, reimbursements and accounting sync.

Several names on the shortlist have also changed. Fyle was acquired by Sage in July 2025 and now sells as Sage Expense Management. Divvy has been BILL Spend & Expense for a while, though the card is still called the BILL Divvy Card. Certify Expense is now Emburse Expense Professional. And Brex became a wholly owned subsidiary of Capital One, N.A., after Capital One completed its acquisition on April 7, 2026. Brex's founder remains CEO, but it is worth knowing who owns the company that holds your card program.

Expensify itself now sells Collect and Control plans, with a lower Collect price for workspaces created since April 2025, plus a discount that depends on how much you spend on the Expensify Card.

This guide compares Expensify with six alternatives on the things that matter for expense management: receipt capture, corporate cards, reimbursements, approval policies, per-user pricing, accounting sync and travel. All prices are US list prices as published on each vendor's site in October 2026.

Comparison Table

Expensify review

Overview and key features

Expensify is built around SmartScan: an employee snaps a photo of a receipt, and Expensify reads the merchant, date and amount and creates the expense. Reports can be submitted from the mobile app or the web, and approvers can act on them from their phones.

Expensify now sells three workspace types:

• Submit (free) is for individual employees who want to code expenses and submit them to an approver. It does not include approvals, payments, company cards or accounting integrations.
• Collect is for organizations that need straightforward expense management and reimbursements: receipt scanning, reimbursements, a simple approval workflow and a connection to QuickBooks Online or Xero.
• Control adds multi-level approvals, ERP integrations (NetSuite, Sage Intacct, QuickBooks Desktop, Certinia), HR integrations such as Workday and BambooHR, multiple company card connections, custom expense rules and SAML/SSO.

The Expensify Card is a Visa Commercial Card issued by The Bancorp Bank, N.A. in the US. It earns 1% cash back on US purchases with no minimum, rising to 2% if you spend $250,000 or more per month across cards. By default, the cash back is applied to your Expensify bill, though admins can send it to the settlement account instead. The UK and EU versions of the card do not currently earn cash back.

Expensify Travel lets members book flights, hotels, cars and trains. Each trip carries a $15 fee when you book or manage it yourself, or $25 when a travel agent handles it for you. The fee applies once per trip, however many bookings it holds.

Pricing

As of October 2026, Expensify's US prices are:

• Collect: $5 per unique member per month, pay-per-use only, no annual contract. This applies to workspaces created on or after April 1, 2025. Older Collect workspaces are on legacy pricing of $10 per active member per month.
• Control, annual subscription: $18 per member included in your subscription size per month, plus $36 for each active member above that size. With heavy Expensify Card use, the price can drop to as low as $9 per member.
• Control, pay-per-use: $36 per active member per month, or as low as $18 with the Expensify Card.

The card discount is up to 50% and scales with the share of approved USD expenses in the workspace that were made on the Expensify Card that month. A 30-day free trial gives access to the features of the plan you choose.

Pros

• SmartScan receipt capture is fast and familiar to many employees.
• Collect at $5 per member is inexpensive for small teams on QuickBooks Online or Xero.
• The Expensify Card can halve a Control subscription and pays cash back.
• Pay-per-use billing means you only pay for members who use it in a given month.

Cons

• Control list pricing ($18 annual, $36 pay-per-use) is high if you do not use the Expensify Card.
• Multi-level approvals and ERP integrations require Control, not Collect.
• Travel booking carries a per-trip fee, while Ramp, Brex (Essentials) and BILL include booking at no extra charge.

Who it is for, and who should skip it

Expensify fits small teams that mainly need employees to submit receipts and get reimbursed, and companies that are happy to move most of their spend onto the Expensify Card to earn the discount. Skip it if you need multi-step approvals on a budget, or if you would rather get a free corporate card bundled with expense software.

Ramp review

Overview and key features

Ramp combines corporate cards, expense management, travel, bill pay and accounting automation in one platform. Employees can complete expenses by replying to SMS or Slack messages, and Ramp automatically collects receipts and matches them to card transactions, pre-filling memos and categories. Its policy agent reviews expenses against your written policy, approves compliant items and flags exceptions for review.

The Ramp corporate card is a charge card on the Visa network with a 30-day payback period. Ramp states there are no personal credit checks and no personal guarantee, and credit limits are based on financial factors such as revenue or dollars raised. Ramp offers cashback on card spend but does not publish a fixed rate on its card page. Ramp Business Corporation is a financial technology company, not a bank. The Ramp Visa Corporate Card is issued in the US by Celtic Bank (and by Column N.A. for US corporations operating globally), and Ramp's commercial and business cards are issued by Sutton Bank and Lead Bank.

Reimbursements go to employee bank accounts, and Ramp says out-of-pocket expenses are reimbursed within one to two business days. Mileage is calculated through a Google Maps integration, and Ramp supports reimbursements in more than 70 countries.

Ramp Travel lets employees book flights, hotels and rental cars inside Ramp with your travel policy shown at booking. Ramp monitors hotel rates and rebooks automatically if the price drops by $50 or more.

Pricing

As of October 2026, Ramp publishes three plans:

• Free ($0 per user per month): unlimited cards; expense completion by SMS or Slack; custom travel policy; flight, hotel and car booking; automatic receipt collection and matching; basic AP (invoice OCR, approval workflows, payments by ACH, card, check and wire); basic accounting rules; QuickBooks Online and Xero integrations.
• Plus ($15 per user per month, billed monthly, 20% less with annual billing, plus a platform fee based on team size): adds AI-driven expense reviews, automatic card locks when compliance is not met, 24/7 phone support for travel bookings, AI coding for every field, NetSuite and Sage Intacct integrations, custom user roles and multi-entity visibility restrictions. Ramp does not publish the platform fee amount.
• Enterprise (custom, annual billing): adds Workday and Oracle Fusion Cloud integrations, locally funded reimbursements, local currency card issuing in 30+ countries, and a dedicated account and customer success manager.

Pros

• The Free plan includes cards, receipt matching, reimbursements and travel booking.
• No personal guarantee or personal credit check on the card.
• Strong automation: SMS and Slack expense completion, AI policy review and receipt matching.
• Expense, travel, AP and accounting live in one product.

Cons

• NetSuite and Sage Intacct sync require Plus, which adds an unpublished platform fee.
• Card approval depends on Ramp's underwriting, so not every business qualifies.
• Ramp works best when spend moves onto its card; it is less suited to teams that want to keep existing bank cards.

Who it is for, and who should skip it

Ramp suits US companies on QuickBooks Online or Xero that want to replace Expensify and a separate card with one free product. Mid-sized companies on NetSuite or Sage Intacct will need Plus. Skip Ramp if you want to keep your current bank's cards, or if your business is unlikely to pass card underwriting.

Brex review

Overview and key features

Brex offers corporate cards, expense management, travel booking, bill pay and business accounts on one platform. It is known for serving startups and fast-growing companies, and since April 2026 it is part of Capital One. Brex's pricing page states that Brex LLC is a wholly owned subsidiary of Capital One, N.A.

On expenses, Brex generates receipts, memos and attendee lists with AI, and has integrations with Uber, Lyft, Gmail and others to pull receipts in automatically. It enforces policies at the point of purchase, auto-approves in-policy expenses and blocks out-of-policy ones. Managers can review flagged items via Slack or SMS. Brex syncs with NetSuite, QuickBooks, Xero and Sage Intacct.

The Brex Mastercard Corporate Credit Card is issued by Emigrant Bank, Fifth Third Bank N.A. or Airwallex (Netherlands) B.V., depending on the program. It is accepted in 210+ countries and territories, and Brex offers local-currency cards in 50+ countries on higher tiers. Brex advertises rewards of up to 7x points, redeemable for cash back or credits. Limits are based on factors such as revenue or dollars raised.

Travel booking is built in and is free on the Essentials plan.

Pricing

As of October 2026:

• Essentials ($0 per user per month): global card acceptance and one local card program, AI-powered custom rules, up to two entities (one global entity), accounting integrations, local currency wires, travel booking, real-time reporting, API access, bill pay and reimbursements.
• Premium ($12 per user per month): adds multiple customizable expense policies, dynamic expense review chains, AI compliance audit detection, advanced approvals with spend limit approval chains, multi-entity support (US and international), customizable ERP and HRIS integrations, VAT documentation, group travel and advanced travel rules, and live budgets.
• Enterprise (custom pricing): adds unlimited US or global entities, local card issuance, collections, reimbursements and policies, a named account manager and implementation services.
• Smart Card (custom pricing): a procurement-focused card program with local-currency cards in 50+ countries and merchant controls.

Brex notes that some products have associated fees.

Pros

• Free Essentials plan with cards, reimbursements, bill pay and free travel booking.
• Strong global reach: card acceptance in 210+ countries and territories and multi-entity support.
• Premium is a published $12 per user, which is lower than Ramp Plus before Ramp's platform fee.
• Automatic receipt generation and AI audit tools.

Cons

• Multiple expense policies and advanced approval chains require Premium.
• The Capital One acquisition is recent, so product and pricing direction may change.
• Like Ramp, Brex expects you to move spend onto its card.

Who it is for, and who should skip it

Brex fits startups and mid-sized companies with international teams or entities, and companies that want travel, cards and expenses in one place. Skip it if you are a small local business that just needs reimbursements, or if you prefer to keep existing bank cards.

Zoho Expense review

Overview and key features

Zoho Expense is a dedicated expense and travel tool from Zoho, the company behind Zoho Books and Zoho CRM. It covers receipt capture with AI-powered OCR, expense reports, mileage (including GPS tracking), per diems, approvals, policies, budgets and reimbursements.

Zoho offers the Zoho Prepaid Mastercard, now listed even on the free plan, and on paid plans you can connect existing corporate cards with real-time feeds for Visa and Mastercard. Reimbursements can be paid by ACH directly to employee bank accounts on Standard and above.

Receipt scanning has monthly limits: 20 scans per user on Free and during the trial, 200 on Standard and 1,000 on Premium. Once you hit the limit, you can still create expenses manually or upload receipts for recordkeeping.

Pricing

As of October 2026, Zoho Expense US pricing is:

• Free ($0): up to 3 users, AI receipt capture, Zoho Prepaid Mastercard, expense reports, mileage via GPS, accounting integrations, multi-currency, 5 GB receipt storage and email support.
• Standard ($4 per user per month billed monthly, $3 billed annually): adds itemized receipt capture, corporate card management with real-time Visa and Mastercard feeds, multiple expense policies, cash advances, ACH payments and direct bank reimbursements, WhatsApp and Slack integration, custom roles, SSO, email and call support, and AI expense auditing. ERP and HRMS integrations are an add-on.
• Premium ($6 per user per month billed monthly, $5 billed annually): adds employee self-booking with an online booking tool, global hotel and flight inventory, a travel desk tool, GSA-compliant per diems, live mileage tracking, live budgets, advanced approvals and policy customization, and multi-entity expense management.
• Enterprise: custom quote.

Add-ons include travel self-booking at $9.99 per trip, Premium Support from $490 per year and Jumpstart onboarding from $500 per year. Zoho says only users who create expenses or reports are charged. There is a 14-day free trial with no credit card required, and no long-term contract.

Pros

• Very low per-user pricing, and a real free plan for up to three users.
• Charges only users who actually submit expenses.
• Travel booking and travel desk tools on Premium.
• Native fit with Zoho Books and the wider Zoho suite.

Cons

• Receipt scan limits per user per month on every plan.
• ERP and HRMS integrations are a paid add-on on Standard.
• Zoho's prepaid card is not a credit line, so it does not replace a charge card like Ramp or Brex.

Who it is for, and who should skip it

Zoho Expense is a good fit for small and mid-sized businesses that mainly reimburse employees and want to keep costs low, especially if they already use Zoho Books. Skip it if you want a credit-based corporate card bundled with your expense tool.

Sage Expense Management (formerly Fyle) review

Overview and key features

Fyle became part of Sage on July 28, 2025, and began rebranding as Sage Expense Management in August 2025. Sage says workflows, features, integrations, data and billing plans stayed the same, and the product still runs on fylehq.com.

Its main difference from Ramp, Brex and BILL is that it does not ask you to switch cards. It connects to the Visa, Mastercard and American Express cards you already have and pulls transactions in real time. Employees can submit receipts by text message, the mobile app, Gmail or Outlook, and receipt scanning is unlimited on every paid plan. Mileage and per diem tracking are included.

Pricing

As of October 2026, all prices are per active user per month, billed annually:

• Growth ($11.99, minimum 5 users): unlimited expense tracking and receipt scanning, real-time card feeds, single-stage approvals, QuickBooks Online and Xero integrations, mileage and per diem.
• Business ($14.99, minimum 10 users): adds multi-stage, policy-driven approvals, ACH reimbursements (US only), Sage Intacct integration, multi-entity setup and a named account manager. SSO is available for an extra fee. QuickBooks Desktop is available on every plan at extra cost.
• Enterprise (custom, 250+ employees): adds a dedicated enterprise account manager and SSO with Active Directory or Okta.

An active user is someone who creates at least one expense that month, or has a connected card with at least one transaction. The pricing page does not list a free plan or free trial.

Pros

• Works with your existing corporate cards, including Amex, with real-time feeds.
• Unlimited receipt scanning, with capture by text, email and app.
• Active-user billing means occasional spenders do not always cost money.
• Backed by Sage, with Sage Intacct integration on Business.

Cons

• ACH reimbursements and multi-stage approvals require Business, not Growth.
• Annual billing with user minimums (5 or 10).
• No free plan and no published travel booking.

Who it is for, and who should skip it

Sage Expense Management fits companies that are happy with their bank's corporate cards, or have Amex programs, and want strong expense automation on top. Skip it if you want free software bundled with a card, or need built-in travel booking.

Emburse Expense Professional review

Overview and key features

Emburse sells several products. For small and mid-sized organizations, the relevant one is Emburse Professional (formerly Certify), which includes Expense Professional (formerly Certify Expense), Book Professional for travel (formerly Certify Travel) and Invoice Professional. Emburse's enterprise products (Expense Enterprise, Book Enterprise and others) are aimed at larger organizations.

Expense Professional covers receipt capture with OCR, automatic expense report creation on a schedule (ReportExecutive), configurable approval routing with delegates, pre-approval through spend requests and a card issuance workflow, user allowances and per diem policies. Its InstantAudit feature flags duplicates, errors and policy violations before reports reach approvers. It supports 140+ currencies and 64 languages.

Reimbursements and vendor payments can be made by ACH, virtual card or check. Emburse Cards provide physical and virtual corporate cards with built-in spending rules; they are issued by Celtic Bank. You can also sync other card programs. Emburse's Professional integrations page lists Sage Intacct, NetSuite, SAP, Microsoft Dynamics and QuickBooks.

Book Professional is an online booking tool with policy compliance, pre-trip approvals, corporate rates on air, rail, hotel and car rental, and support for existing travel management companies. Bookings flow into Expense Professional automatically.

Pricing

Emburse does not publish prices for Expense Professional; it is quote-based. Emburse does publish three implementation packages: Activate (self-service setup at low to no cost, with four weeks of office hours), Best Practice (guided, roughly 6 to 8 weeks) and Tailored (fully managed, roughly 1 to 3 months, for multiple entities, integrations or custom tax tables).

Pros

• Deep policy configuration: allowances, per diems, pre-approvals and automated audit.
• Structured implementation options for teams that want help.
• Integrates with QuickBooks, NetSuite, Sage Intacct, SAP and Microsoft Dynamics.
• Travel booking that works with existing travel management companies.

Cons

• No published pricing, so comparing cost takes a sales call.
• Xero is not listed for the Professional product in Emburse's integration directory.
• More setup than self-serve tools like Expensify or Zoho Expense.

Who it is for, and who should skip it

Emburse Expense Professional fits small and mid-sized organizations with detailed policies and allocations, especially those on NetSuite or Sage Intacct. Skip it if you want to sign up and go in an afternoon, or if you are on Xero.

BILL Spend & Expense review

Overview and key features

BILL Spend & Expense (formerly Divvy) pairs the BILL Divvy Card with budgeting and expense software. Cards are issued by Divvy Pay, LLC's bank partners, and BILL offers credit lines from $1,000 to $5M, subject to approval. Admins create budgets, assign card limits and set approval workflows. Receipts are matched to transactions automatically, and AI codes accounting fields and writes memos.

Reimbursements for out-of-pocket expenses and mileage are measured against budgets. BILL updates the standard mileage rate each year based on IRS guidance, supports local-currency requests, and pays employees back by ACH or through payroll.

Travel booking is built into Spend & Expense at no additional cost, with no booking fees or inventory markups, 24/7 travel support and loyalty number support.

Rewards are points-based. BILL advertises up to 7x points, with higher multipliers when you pay the balance off more often. To keep a month's points, you must spend at least 30% of your credit line that month, and foreign transactions do not earn points. On BILL's published values, 100,000 points redeem for $520 in cash back.

Integrations include QuickBooks Online, NetSuite, Xero, Sage Intacct, Microsoft Dynamics, Acumatica and Slack.

Pricing

As of October 2026, BILL Spend & Expense is $0 per user per month, with no subscription or per-user software fees. Standard payment and card fees apply. BILL's accounts payable and receivable product is separate and paid: Essentials $49, Team $65 and Corporate $89 per user per month, with Enterprise on custom pricing.

Pros

• Free software with cards, budgets, reimbursements and travel booking.
• Credit lines from $1,000 to $5M, with approval.
• Wide accounting integrations, including Microsoft Dynamics and Acumatica.
• Same company as BILL AP, so bills and cards can sit in one place.

Cons

• The 30% monthly spend rule can forfeit rewards for low-spend months.
• Rewards are points with multipliers that depend on payoff frequency, which is harder to model than flat cash back.
• Value depends on qualifying for and using the Divvy card.

Who it is for, and who should skip it

BILL Spend & Expense fits small and mid-sized businesses that already use BILL for payables, or want a free card program with budget controls. Skip it if you need to keep existing cards, or if your monthly card spend will be well below 30% of the credit line.

Head-to-Head

Receipt capture

All seven tools read receipts with OCR. Expensify's SmartScan and Zoho's AI capture are photo-first. Ramp and Brex go further by matching receipts to card transactions automatically and letting employees reply by SMS or Slack; Brex also pulls receipts from Uber, Lyft and Gmail. Sage Expense Management takes receipts by text, email (Gmail and Outlook) and app, with unlimited scans on paid plans. Zoho is the only one here with monthly scan caps (20, 200 or 1,000 per user).

Corporate cards

Ramp (Visa charge card, no personal guarantee), Brex (Mastercard corporate card) and BILL (Divvy card, credit lines from $1,000 to $5M) bundle credit-based cards with free software. Expensify has its own Visa Commercial Card with 1% to 2% cash back, plus up to 50% off the subscription. Emburse Cards are available as an add-on to Emburse's software. Zoho offers a prepaid Mastercard. Sage Expense Management connects to cards you already have rather than issuing its own.

Reimbursements

Ramp quotes one to two business days and supports reimbursements in more than 70 countries. BILL pays by ACH or payroll and updates the IRS mileage rate automatically. Zoho includes ACH reimbursements from Standard ($3 annual). Sage Expense Management includes ACH reimbursements only on Business ($14.99). Expensify includes reimbursements on Collect. Brex includes reimbursements on Essentials, with local reimbursements on Enterprise.

Approval policies

On the low end, Expensify Collect and Sage Growth support simple or single-stage approvals. Multi-level approvals need Expensify Control, Sage Business, Brex Premium (dynamic review chains) or Zoho Premium (advanced approval management). Ramp lets admins set spend limits and approval workflows, and adds AI-driven expense reviews and approval recommendations on Plus. Emburse and BILL both offer configurable approval routing in their core products.

Per-user pricing

From cheapest to most expensive at list price (as of October 2026): BILL Spend & Expense, Ramp Free and Brex Essentials at $0; Zoho Standard at $3 (annual); Expensify Collect at $5; Zoho Premium at $5 (annual); Brex Premium at $12; Sage Growth at $11.99 and Business at $14.99 (annual, per active user); Ramp Plus at $15 monthly plus a platform fee; Expensify Control at $9 to $36 depending on card use and subscription type. Emburse is quote-based.

Accounting sync

Everyone covers QuickBooks Online, and all except Emburse Professional list Xero. For NetSuite and Sage Intacct, the plan matters: Ramp needs Plus, Expensify needs Control, Sage Expense Management needs Business for Sage Intacct, and Brex lists accounting integrations on Essentials with customizable ERP and HRIS integrations on Premium. BILL lists NetSuite, Sage Intacct, Microsoft Dynamics and Acumatica. Emburse Professional lists QuickBooks, NetSuite, Sage Intacct, SAP and Microsoft Dynamics.

Travel

Ramp (Free plan), Brex (free on Essentials) and BILL (no booking fees) include booking at no extra software cost. Expensify charges $15 per trip ($25 with an agent). Zoho includes booking on Premium and sells self-booking at $9.99 per trip as an add-on. Emburse sells Book Professional as part of Emburse Professional. Sage Expense Management does not list travel booking on its pricing page.

How to Choose

Questions to answer first

1. Do you want to change cards? If yes, Ramp, Brex and BILL give you free software with their cards. If no, look at Sage Expense Management, Zoho Expense or Expensify.
2. How many people submit expenses each month? Active-user billing (Expensify pay-per-use, Sage, Zoho) helps when many employees spend rarely.
3. Which accounting system do you use? Check whether NetSuite or Sage Intacct sync is on the plan you plan to buy, not just on the vendor's integration list.
4. How complex are your approvals? If you need multiple approval steps by amount, department or category, compare the plan that includes it, not the entry plan.
5. How much do you travel? Per-trip fees from Expensify ($15) or Zoho ($9.99 add-on) add up for frequent travelers.

Red flags

• Platform fees that are not published (Ramp Plus) or quote-only pricing (Emburse). Ask for a written quote before you commit.
• Card rewards that depend on conditions, such as BILL's 30% monthly spend rule or Expensify's 2% tier at $250,000 per month.
• Receipt scan caps (Zoho) that your team may exceed at month end.
• Annual contracts with user minimums (Sage Expense Management Growth and Business).

What to test in a trial

• Submit a real receipt by each method your employees will use (photo, email, SMS or Slack) and check how accurate the extracted data is.
• Build your actual approval chain and route a test report through it.
• Connect your accounting system and sync a few expenses to confirm GL codes, classes and departments map correctly.
• Reimburse a test employee and time how long the money takes to arrive.
• Book a test trip if travel is part of your decision, and check how the booking lands in the expense report.

The Verdict

For most small and mid-sized US companies leaving Expensify, Ramp is the best place to start: the Free plan covers cards, receipt matching, reimbursements, travel and QuickBooks Online or Xero sync at no cost, and Plus adds ERP sync when you need it.

Brex is the better pick if you have international teams or multiple entities, and its $12 Premium plan is the clearest published price for advanced controls among the card-based tools. BILL Spend & Expense makes the most sense if you already pay bills through BILL.

If you want to keep your existing cards, Sage Expense Management offers real-time feeds for Visa, Mastercard and Amex, and Zoho Expense is the lowest-cost paid option for reimbursement-heavy teams. Emburse Expense Professional is the choice for organizations with complex policies that want structured implementation help.

Expensify is still worth keeping if your team likes SmartScan and can put most spend on the Expensify Card.

Conclusion

The question in 2026 is less "which expense tool?" and more "do we want our expense software bundled with a card?" If the answer is yes, Ramp, Brex and BILL give you capable software at $0. If it is no, Expensify, Zoho Expense, Sage Expense Management and Emburse let you keep your cards and pay per user. Pricing and plan features change often, so confirm the current terms on each vendor's site before you sign.