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From $3Free planG2 4.5 · 1,551 reviews

Small businesses on a tight budget, especially Zoho Books users, that want reports, reimbursements and card feeds without changing banks or cards.

Visit Zoho Expense ↗See full comparison

Quick overview

Pricing
Free for up to 3 users; paid from $3/user/month (billed annually)
Plans
Free: up to 3 users; AI OCR receipt capture (20 scans per user per month), expense reports, GPS mileage, accounting integrations, multi-currency, 5 GB receipt storage, email support. Standard: $3 per user per month billed annually or $4 billed monthly; 200 scans per user per month; corporate card management with Visa and Mastercard feeds, multiple policies, custom roles, ACH payments, SSO. Premium: $5 per user per month billed annually or $6 billed monthly; 1,000 scans per user per month; employee self-booking for travel, GSA per diem, live budgets, multi-entity, advanced approval management. Enterprise: custom. Zoho says annual billing saves up to 25%. No contract; 14-day free trial, no credit card. Prices exclude taxes. US edition: optional Zoho Prepaid Mastercard (physical and virtual cards with spend limits and merchant restrictions), issued by Pathward, N.A. Accounting sync: Zoho Books, QuickBooks Online, QuickBooks Desktop, Xero and (UK edition) Sage Accounting.
G2 rating
4.5 / 5.0
Comparisons
Featured in 2 comparisons

Key features

  • AI receipt scanning, expense reports and GPS mileage on every plan
  • Card feeds for existing Visa and Mastercard corporate cards (Standard)
  • ACH reimbursements and multiple expense policies (Standard)
  • Travel self-booking, per diem and live budgets (Premium)
  • Syncs with Zoho Books, QuickBooks Online, QuickBooks Desktop and Xero

Pros

  • Paid plans from $3 per user per month billed annually
  • Free plan for up to 3 users
  • No cash minimum or credit approval to use the software
  • Monthly billing available with no contract

Cons

  • Free plan caps receipt scans at 20 per user per month
  • No corporate charge card or credit line like Ramp or Brex; the U.S. card option is prepaid
  • No native NetSuite or Sage Intacct connector listed

Zoho Expense in our comparisons

Accounting & Finance

Best Expense Management Software

Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.

+2
Emily RodriguezUpdated October 2026
Accounting & Finance

Expensify alternatives

Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.

+2
Emily RodriguezUpdated October 2026