Ranked
7 Best Expensify Alternatives (2026), Priced for 15 People
Seven Expensify alternatives priced for a team of 15 against Expensify's $75 a month, and which one fits each reason to leave. Confirmed 30 October 2026.
Some links here are referral links, and where a provider gives our readers a better price than its own site, that is the price you get by using one. It costs you nothing extra, and every option here is judged on the same test either way.
Expensify's Collect plan costs $5 a member a month. For 15 people who file expenses that's $75 a month, or $900 a year, before the discounts it gives for a yearly commitment and for using the Expensify Card. Per head it isn't a lot, which is why the bill is only one of the reasons people look around. The others are company cards with limits set before anyone spends, travel booked in the same app, and a team paying in several currencies.
So I've priced seven alternatives for the same 15 people, on the plan that does Collect's job of scanning receipts, routing approvals, paying people back and syncing to your accounting software. Each one's monthly bill sets the order, and each section names the reason to leave that it answers best.
Two of the seven cost nothing per user, because they earn from the cards your team spends on instead. You have to qualify for those cards, though, and Ramp, for one, wants a US company to hold $25,000 in a US business bank account. Three others cost more than Expensify at 15 people, and they're here for travel, currencies or prepaid limits rather than the bill.
I haven't run a month of expense claims through all seven, so there are no scores out of ten here. What I've worked out instead is each one's bill for 15 people next to Expensify's, who can sign up, and three questions at the end that pick one for you.
How I ranked them
Every tool had to pass the same three checks before it could be ranked. Then one number, the monthly bill for 15 people, set the order.
Does Expensify's whole job
Receipt scanning, approvals, paying people back and a sync to accounting software, on one plan. A receipt scanner on its own doesn't replace Expensify's Collect plan.
Priced for 15 people
I priced the plan that does that job for 15 people who file expenses, billed monthly, as each company shows it to US visitors. Where a company quotes instead, I say so.
Better than Expensify at something
A smaller bill, company cards with limits, travel in the same app, cards in several currencies, prepaid limits, or expenses inside your HR system.
Expensify's own price sits at the top of the table as the line to beat. If only three people claim in your company, two of the seven are free at that size, and the questions at the end take your team's size into account.
The seven, priced for 15 people
Let's start with Expensify's own bill, because every row below is measured against it. Fifteen people on Collect cost this much a month.
What each alternative charges 15 people a month on the plan that does Expensify's job, who it's free for, and whose cards your team spends on.
Expensify alternatives, a month for 15 people
| A month for 15 | Free for | Cards | Best for | |
|---|---|---|---|---|
| 1Ramp | $0 on Free | No limit listed | Its own, US and UK | The smallest bill |
| 2BILL Spend & Expense | $0 | No limit listed | Its own, with a credit line | Credit on the card |
| 3Zoho Expense | $60 ($4 a user) | Up to 3 users | Your own, fed in | Any country, any bank |
| 4Navan | $150 ($15 after 5) | 5 users a month | Your own, connected | Travel in the same app |
| 5Airwallex | $180 plus a fee | Up to 10 users | Its own, multi-currency | Several currencies |
| 6Soldo | £135 plus VAT | No free plan | Its own, prepaid | Prepaid limits in the UK |
| 7Rippling | Quoted | No free plan | Its own | HR and payroll in one |
Expensify's Collect plan is $75 for the same 15 people. Ramp and BILL earn from their cards, so you need to qualify. Airwallex's platform fee isn't shown on its page. Soldo bills UK teams in pounds, here for 15 users and 15 cards.← scroll sideways on a narrow screen →
Three of the seven cost less than Expensify for 15 people, two of them nothing at all if your company qualifies. The other four cost more or quote, and earn their place on travel, currencies, prepaid cards or HR.
The table counts only the software bill. If your team spends on a company card, what that card costs or pays back matters as well. Expensify's own card pays 1% cash back on US purchases and 2% once monthly spend passes $250,000, so check what you'd give up before you move a busy card programme.
1. Ramp - $0 a user, if your company qualifies
Ramp is first because its Free plan charges $0 a user, so 15 people cost nothing against Expensify's $75. You get unlimited physical and virtual cards, receipts collected and matched to each purchase, and expenses finished by text message or in Slack. Ramp's paid plan is $15 a user plus a platform fee.
Who can sign up is the part to read closely. In the US, Ramp says your company must be a corporation, LLC or LP registered in the US, with at least $25,000 in cash in a US business bank account. Ramp now sells in the UK too, where its Free plan is £0 a user and its charge cards are subject to approval.
Ramp
Ramp's Free plan costs $0 a user, so 15 people pay nothing against Expensify's $75 a month, with unlimited cards and automatic receipt matching.
If you want the bill gone and your company qualifies: Ramp
Ramp takes the per-user bill away by earning from its own cards. The Free plan covers cards, receipt matching, reimbursements and accounting sync. In the US you need a registered company and $25,000 in a US business bank account, and Ramp doesn't ask founders for a personal guarantee.
Where it stands out
- $0 a user on the Free plan
- Unlimited physical and virtual cards
- Receipts matched to purchases by text or Slack
Buy it if
- Your company is registered in the US or the UK
- Most of your spending can move onto Ramp's cards
Skip it if
- Your company is registered elsewhere
- You'd rather keep your current bank's cards
Registered elsewhere? Zoho Expense
Zoho Expense costs $60 a month for 15 people, $15 less than Expensify, and works with the Visa and Mastercard cards you already have.
Ramp describes its UK cards as charge cards, and that's worth understanding before you move. A charge card is paid off in full each cycle rather than carried as a balance, so the company account has to cover the whole month's spend when the payment is taken. For a business that already pays its cards in full, that changes nothing.
So Ramp suits a US or UK company with the cash to qualify that wants its expense software for nothing. If you'd rather have a credit line on the card, the next pick is built around one.
2. BILL Spend & Expense - free software, with a credit line
BILL Spend & Expense also costs $0 a user. BILL says it has no subscription and no per-user fees, and you get as many physical and virtual cards as you need, budgets with limits set before people spend, and receipts captured and matched by AI. It used to be called Divvy, and the card is still issued through Divvy Pay.
Where it differs from Ramp is the credit line. BILL offers lines from $1,000 to $5 million, decided when you apply and not guaranteed. The application asks for a US Tax ID (an EIN), so this one is for companies set up in the US.
BILL Spend & Expense
BILL Spend & Expense has no per-user fee, so 15 people cost $0 against Expensify's $75, and its cards come with credit lines from $1,000 to $5 million.
If you want a credit line on the card: BILL Spend & Expense
BILL Spend & Expense is free software paid for by its cards, with credit decided when you apply. Budgets let a manager give each team a limit before anyone spends, and receipts are captured and coded by AI. If you also pay suppliers through BILL, that's a separate plan from $49 a user.
Where it stands out
- No subscription or per-user fees
- Credit lines from $1,000 to $5 million, not guaranteed
- Budgets with limits set before spending
Buy it if
- Your company has a US Tax ID
- You want spending limits per team or project
Skip it if
- Your company isn't set up in the US
- Your team mostly travels, where Navan books trips too
Want it in the UK too? Ramp
Ramp's Free plan is also $0 a user and sells in the US and the UK, with unlimited cards and receipt matching by text.
So BILL is the one to try if you're in the US and a credit line matters more to you than who issues the card. If neither Ramp nor BILL will take your company, or you'd rather keep the cards you have, the next pick is the one I'd start with.
3. Zoho Expense - $4 a user, with the cards you already have
Zoho Expense is the cheapest alternative here that anyone can start on, wherever the company is registered and whoever it banks with. Its Standard plan is $4 a user a month, $60 for 15 people, which is $15 a month less than Expensify's Collect. Billed yearly it's $3 a user, $45 a month, or $360 a year less than Collect.
It doesn't ask you to switch cards. Standard feeds in the Visa and Mastercard cards your team already uses, sets several expense policies, and scans 200 receipts a user each month. If three people or fewer file expenses, Zoho Expense is free, with 20 receipt scans each a month, and the paid plans start with a 14-day trial that doesn't need a card.
3$4 a user, your own cards
Zoho Expense
Why it ranks here
Zoho Expense's Standard plan is $4 a user a month, $60 for 15 people and $15 less than Expensify's Collect, and it works with the company cards you already have, in any country.
- Free planUp to 3 users, 20 scans each a month
- Receipt scans200 a user a month on Standard
- CardsLive feeds from your own Visa and Mastercard cards
- TravelSelf-booking on Premium, $9.99 a trip add-on
What Zoho Expense gives everyone
- A 14-day free trial of the paid plans, no card needed
- No contract: start and stop the subscription any time
Verified on 30 October 2026
Zoho Expense's offer todayUp to 25% off when you pay yearlyShown on zoho.com on 30 Oct 2026.
My recommendations on Zoho Expense's plans
Starting out? For 15 people, start on Standard. At $60 a month it brings in your existing company cards and scans 200 receipts a person, $15 a month less than Expensify's Collect.
Growing or switching? Move to Premium, $6 a user, $90 for 15 people, when your team books its own travel and you want live budgets and per diems.
Next to Expensify? Expensify's Collect plan is $5 a member, $1 more than Standard, and includes travel booking. Zoho lists self-booking on Premium, with a travel add-on at $9.99 a trip.
Every plan includes AI receipt scanning, expense reports, multi-currency expenses and accounting integrations.
View all 3 Zoho Expense plansPriced in US dollars per user, billed monthly
Mirrored from zoho.com These are Zoho Expense's own plans, prices and limits, as its pricing page showed them on 30 Oct 2026. The “Pick it if” lines are ours. Choose a plan to see it on Zoho Expense.
- Up to 3 users
- Receipt capture with AI-powered OCR, 20 scans a user a month
- Expense reports and GPS mileage
- Accounting integrations
- 5 GB receipt storage
- Email support
- Corporate card management with live Visa and Mastercard feeds
- Multiple expense policies
- 200 receipt scans a user a month
- Slack and WhatsApp integration
- ERP and HR integrations are a paid add-on
- Everything in Standard
- Employee self-booking for travel
- Per diem management and live budget tracking
- 1,000 receipt scans a user a month
- Travel booking also costs $9.99 a trip as an add-on
Zoho shows local prices outside the US. · Checked 30 Oct 2026
Start on Zoho Expense's Standard plan
Zoho's support answers by phone or email, 24 hours a day, Monday to Friday.
you'll go to zoho.com
Zoho Expense gives you the lowest bill here without moving your spending onto a new card. That matters more than it looks. Ramp and BILL are free because their cards earn, so you change who issues your cards to get the price. With Zoho you keep the bank you have, and the saving on Expensify comes from the subscription alone.
Zoho shows prices in the local currency outside the US, and the dollar prices here are from its US price list. If your team books trips more than it files receipts, though, the next pick is built for travel first.
4. Navan - travel and expenses in one app
The last four cost more than Expensify for 15 people, or quote, and each beats it at one thing. Navan's is travel. Its Business plan books flights and hotels with no limit on trips for companies of up to 300 employees, and Navan says that's paid for by the travel companies' commissions rather than by you.
Its expense tool is free for the first 5 people who submit an expense in a month, then $15 a user. For 15 claimers that's $150 a month, $75 more than Expensify. If only 5 people claim in a month, though, Navan costs nothing.
Navan
Navan books trips free for companies of up to 300 employees, and its expense tool is free for 5 people a month, then $15 a user, $150 for 15.
So Navan's for a company whose expenses are mostly trips, where booking and claiming in one app saves the most time. If your team's spending crosses borders in a different way, paying suppliers and staff in several currencies, the next pick is built for that.
5. Airwallex - company cards in several currencies
Airwallex is a business account first, with expenses built on top. Its Explore plan is free for up to 10 Spend users, with multi-currency company cards, no international card fees, receipt data read automatically, reimbursements to staff in more than 200 countries, and a sync to Xero and QuickBooks.
Past 10 users you move to Grow, $12 a user plus a platform fee Airwallex doesn't show, so 15 people cost at least $180 a month. Currency conversion is 0.5% above the interbank rate for major currencies and 1% for the rest.
Airwallex
Airwallex is free for up to 10 Spend users with multi-currency cards and no international card fees; at 15 users Grow is $12 each plus a platform fee.
If your team spends in several currencies: Airwallex
Airwallex suits a company that holds and spends money in more than one currency. Its business account and cards are built for that, and conversion is 0.5% above the interbank rate for major currencies. Airwallex counts a Spend user as anyone who holds a card or submits, approves or pays an expense that month.
Where it stands out
- Free for up to 10 Spend users
- No international card fees
- Reimbursements to staff in 200+ countries
Buy it if
- You pay suppliers or staff in several currencies
- 10 people or fewer use the expense side
Skip it if
- Everything you spend is in one currency
- You need a known price for 15 users, because the platform fee isn't shown
One currency and 15 people? Zoho Expense
Zoho Expense's Standard plan is $60 a month for 15 people and handles expenses in several currencies too.
The 10-user line is the thing to plan around. A team of 9 pays nothing for the expense side, and the 11th person moves everyone onto Grow. If your company is in the UK and you'd rather give staff prepaid cards with fixed amounts on them, the next pick does exactly that.
6. Soldo - prepaid cards for UK and European teams
Soldo gives each person or team a prepaid card loaded with a set amount, so nobody can spend more than you've put on it. It bills UK teams in pounds. For 15 users with 15 cards, its Standard plan comes to £135 a month plus VAT, and Plus, which adds receipt reading by OCR, wallets for team budgets and multi-currency spending, is £195.
Soldo
Soldo's Standard plan is £135 a month plus VAT for 15 users and 15 prepaid cards, each card holding only what you load onto it.
If you want prepaid limits nobody can overspend: Soldo
Soldo is spending control by loading money, not by setting a credit limit. You top up a card, the holder spends it, and the receipt is captured in the app. There's no free plan, but Standard and Plus both come with a 30-day trial.
Where it stands out
- Prepaid cards with a set amount on each
- Receipts captured in the mobile app
- A 30-day trial on Standard and Plus
Buy it if
- Your company is in the UK or Europe
- You want staff to spend only what you've loaded
Skip it if
- You want a free plan
- Your company is in the US, where Ramp and BILL charge $0 a user
Want it cheaper per person? Zoho Expense
Zoho Expense's Standard plan is $60 a month for 15 people and works with the cards you already have.
For European teams two more names come up. Pleo's Start plan is £8 a user a month, billed monthly, with physical and virtual cards. Spendesk gives quotes rather than prices and says it charges no fee per active user. I haven't ranked either, because Soldo answers the same need with a price you can read for 15 people.
If what you really want is expenses inside the system that already runs your payroll and HR, the last pick is built that way.
7. Rippling - expenses inside your HR and payroll
Rippling is last because it doesn't show a price. It sells HR, payroll, IT and finance tools as separate products on top of its core platform, which you have to buy, and it sends each company a quote. Most of its products are billed per employee a month, and some carry a monthly base fee.
Rippling
Rippling quotes per employee, with its core platform required, and puts each person's expenses on their employee profile beside payroll and HR.
If you already run HR and payroll on Rippling: Rippling's expenses
Rippling's expense tool is worth it mainly if Rippling already runs your HR or payroll. Staff submit expenses by email, receipt upload or by hand, each claim goes to the right approver automatically, and the details sit on that person's employee profile. Bought alone, you'd be paying for the core platform as well.
Where it stands out
- Expenses on each employee's profile
- Approvals routed automatically
- One system for HR, payroll and spend
Buy it if
- Rippling already runs your HR or payroll
- You want approvals routed to the right person automatically
Skip it if
- You only need expense software
- You want a price before a sales call
Only need expenses? Zoho Expense
Zoho Expense shows its price, $4 a user a month on Standard, and is free for up to 3 users.
So Rippling is for a company that has already chosen it for people and payroll and wants expenses in the same place. For anyone choosing an expense tool on its own, the six above it show their price.
Who should stay on Expensify
Expensify is still a good answer for some teams, and moving costs time. Its free Submit plan lets anyone scan receipts and file reports without a company account, and Collect, at $5 a member, includes travel booking with rules, which Zoho Expense keeps for its Premium plan.
If your team spends a lot on the Expensify Card, count the cash back before you leave. It's 1% on US purchases, and 2% once your monthly spend passes $250,000, which for a busy card programme can be worth more than the $75 the software costs 15 people. Expensify also discounts Collect for a yearly commitment and for using its card, so your own price may be under $5 a member.
Before you switch, keep your receipts
Whichever tool you move to, export your old reports and receipts from Expensify before you close the account. In the US, the IRS generally wants a receipt or a bill for business expenses, and only lets you skip one for an expense under $75 that isn't lodging. So a hotel bill always needs its receipt, and so does a $90 client dinner.
All seven tools scan receipts, so the habit moves with you. What doesn't move by itself is the history, and that's the part an auditor asks for. If a scanner is all you need rather than a whole expense tool, I've grouped nine receipt scanner apps by where the receipts end up.
So which one should you move to?
All seven do Expensify's core job of scanning receipts, approving claims and paying people back. What separates them is the bill for your team, whose cards you spend on, and whether your company can sign up at all.
My pick for most teams leaving over the bill: Zoho Expense, because it's $15 a month less than Expensify for 15 people, works in any country and keeps your cards. If your company is in the US or the UK and qualifies, take Ramp and pay nothing per user, or BILL Spend & Expense in the US if you want a credit line.
If travel is most of your spending, Navan books it free. Teams paying in several currencies should look at Airwallex, UK teams that want prepaid limits at Soldo, and companies already on Rippling for payroll at Rippling.
Still between two? The three questions below ask where your company is registered, why you're leaving Expensify and how many people file expenses, and they'll give you one tool with the reason behind it.
Three questions
Which Expensify alternative fits your team?
Answer for your company as it is today, and the recommendation updates as you go.
1Where is your company registered?
2Why are you leaving Expensify?
3How many people file expenses?
Before you answer
Zoho Expense, for most teams leaving over the bill
For 15 people Zoho Expense costs $60 a month, $15 less than Expensify's Collect, and works with your own cards in any country.
The trade-off: A US or UK company that passes Ramp's checks can pay nothing per user on Ramp's Free plan instead.
Prices last confirmed on 30 October 2026, in US dollars billed monthly, for 15 people who file expenses. Soldo bills UK teams in pounds.
Questions people ask about Expensify alternatives
Is there a free alternative to Expensify?
Yes, three. Ramp's Free plan and BILL Spend & Expense charge $0 a user because they earn from their own cards, so your company has to qualify for them.Zoho Expense is free for up to 3 users with 20 receipt scans each a month, and Airwallex's Explore plan is free for up to 10 Spend users. Prices confirmed 30 October 2026.
What is cheaper than Expensify for a small team?
For 15 people, Expensify's Collect plan is $75 a month.Zoho Expense's Standard plan is $60, or $45 billed yearly, and works with your existing cards. Ramp and BILL Spend & Expense cost $0 a user for companies that qualify for their cards, Ramp in the US and the UK and BILL in the US.
Which Expensify alternative is best for business travel?
Navan, if travel is most of what your team spends on.Its Business plan books flights and hotels with no limit on trips for companies of up to 300 employees, and its expense tool is free for the first 5 people who claim in a month, then $15 a user.
