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LeadChange Group

Expense Management

Expense Management Software Comparison

Every expense management product we track, side by side: LeadChange Score, published pricing and verified features, each value checked against the vendor’s own documentation.

products compared
9
By LeadChange Research TeamUpdated Based on 32 sources, most recently checked

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Expense Management comparison table

Expense Management comparison: LeadChange Score, pricing and verified features
ProductScoreStarting price per userPricing modelAPISOC 2 Type IIMobile apps
Ramp1–49.1$0/user/moPer userYesYesiOS, Android
Zoho Expense5–89.0$3/user/mo (billed annually)Per userYesYesiOS, Android
Expensify9–128.7$5/user/moPer userYesYesiOS, Android
BILL Spend & Expense13–168.4$0/user/moFreeYesYesYes
Brex17–198.3$0/user/moPer userYesYesiOS, Android
SAP Concur20–238.0$7/report (Base plan)Tiered plansYesYesiOS, Android
Rydoo24,257.5$9/user/mo (billed annually)Per userYes, on its Business and Enterprise plansYesYes
Sage Expense Management26,277.1$11.99/user/mo (billed annually)Per userYes, on its Business planYesYes
Navan28,296.0Free for 5 users, then $15/user/mo (Navan Business plan)Per userNot verifiedYesYes

Not verified = we have no sourced value for it yet.

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Price comparison

Expense Management starting prices
ProductStarting pricePricing modelPricing details
Zoho Expense$3/user/mo (billed annually)5Per userWhat Zoho Expense costs
Expensify$5/user/mo9Per userExpensify plans and prices
Rydoo$9/user/mo (billed annually)24Per userRydoo plans and prices
Sage Expense Management$11.99/user/mo (billed annually)26Per userWhat Sage Expense Management costs
Ramp$0/user/mo1Per userWhat Ramp costs
BILL Spend & Expense$0/user/mo13FreeBILL Spend & Expense pricing
Brex$0/user/mo17Per userBrex pricing
SAP Concur$7/report (Base plan)20Tiered plansSAP Concur plans and prices
NavanFree for 5 users, then $15/user/mo (Navan Business plan)28Per userWhat Navan costs

Lowest published monthly price of a plan for expense management, cheapest first at 25 users. “See plans”: priced on another basis; “Quote only”: no published price.

Most compared

  1. Ramp vs SAP Concur
  2. BILL Spend & Expense vs Expensify
  3. Expensify vs Zoho Expense
  4. Navan vs Expensify
  5. Ramp vs Navan
  6. Brex vs Expensify
  7. Brex vs SAP Concur
  8. Rydoo vs Expensify
  9. Rydoo vs Ramp
  10. Rydoo vs SAP Concur
  11. Sage Expense Management vs Expensify
  12. Zoho Expense vs SAP Concur
  13. Expensify vs Ramp
  14. Expensify vs SAP Concur
  15. Ramp vs BILL Spend & Expense
  16. Ramp vs Brex
  17. SAP Concur vs Navan

Frequently asked questions

Which expense management software has the highest LeadChange Score?

Of the 9 expense management software products in this comparison, the highest LeadChange Scores belong to Ramp (9.1/10), Zoho Expense (9.0), and Expensify (8.7).

Do expense management platforms publish their prices?

Of the 9 products compared, 7 publish a list price we can compare at 25 users, 2 publish prices on another basis (SAP Concur and Navan).

Which expense management platforms offer a free trial?

Ramp, Zoho Expense, and Expensify list a free trial, according to their vendors: 3 of the 9 compared.

Which expense management platforms in this comparison have SOC 2 Type II?

Ramp, Zoho Expense, Expensify, BILL Spend & Expense, Brex, and 4 more state SOC 2 Type II compliance; Zoho Expense, Rydoo, and Navan also hold ISO 27001. That is 9 of the 9 products in this comparison.

Which expense management platforms in this comparison have a mobile app?

All 9 expense management platforms in this comparison document a mobile app: Ramp, Zoho Expense, Expensify, BILL Spend & Expense, Brex, and 4 more.

Which expense management platforms in this comparison support single sign-on?

Zoho Expense (on its Standard and Premium plans), Expensify (on its Control plan), Rydoo (on its Enterprise plan), Sage Expense Management (on its Enterprise plan), Ramp, Brex, and SAP Concur document single sign-on; 2 of the 9 products in this comparison do not document it.

How we research

Ranked by the LeadChange Score, computed only from verified facts: capability coverage (30%), pricing and value (20%), integrations and API (15%), security (15%), fit and support (10%) and data confidence (10%), times a category fit. Products with too few verified facts are not scored yet and come last. Payment never changes a score or a position.

Read the full methodology

Facts, not impressions · Missing data is never assumed · Independent of revenue

  • Facts, not impressions

    Every input is a fact verified against vendors’ official documentation, with the date we last checked it.

  • Missing data is never assumed

    Unverified items are left out of the score and lower its coverage; below 60% coverage a product is not scored yet.

  • Independent of revenue

    Rankings never depend on whether a vendor pays us.

How this page was made

  • What it is built from

    54 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 21, 2026.

  • Method

    Scored and compared with the LeadChange methodology, version 1.5. Read the methodology

  • Independent review

    Our independent review of Oct 30, 2026 asked for changes. How we review

  • Hands-on testing

    We have not tested these products hands-on: this page uses public information only.

  • Who made it

    The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us

  • Independence and errors

    Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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Sources

The 32 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.

Quotes from the sources
  1. Ramp ramp.com/pricing“$0/mo/user” “$15/mo/user”
  2. Ramp docs.ramp.com“Have a Ramp account? Create credentials and make your first API call.”
  3. Ramp ramp.com/security“Ramp undergoes annual audits to ensure your data is always secure, confidential, and private according to SOC 2 Type II protocols.” “Get a seamless login experience without compromising security with support for SSO for Okta, Google, and Microsoft Azure.”
  4. Ramp ramp.com/mobile-app“Download Ramp Mobile AppStart on iOS or Android today”
  5. Zoho zoho.com/us/expense/pricing“For growing businesses looking to manage expenses end to end” “per user/month”
  6. Zoho zoho.com/us/expense/addons“There's a lot you can do with our robust and powerful APIs.”
  7. Zoho zoho.com/compliance.html“Zoho is SOC 2 Type 2 compliant.”
  8. Zoho zoho.com/us/expense/mobile-apps“Scan receipts, log mileage, submit expenses, or approve reports from any device.”
  9. Expensify help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing“$5 per unique member/month”
  10. Expensify integrations.expensify.com/Integration-Server/doc“To use the API, you will need to generate API credentials.”
  11. Expensify help.expensify.com/articles/Unlisted/Compliance-Documentation“How to request Expensify’s SOC 1 Type 2 Report or SOC 2 Type 2 Report”
  12. Expensify use.expensify.com/expensify-mobile-app“Yes. The Expensify app is available on iOS and Android devices.”
  13. BILL bill.com/pricing“Yes, the BILL Spend & Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking, and access to credit lines from $1,000-$5M.”
  14. BILL developer.bill.com“Expense management with S&E users, budgets, & cards”
  15. BILL bill.com/security“BILL undergoes an annual SOC 1 and SOC 2 Type II Audit by a leading national CPA Firm.”
  16. BILL bill.com/product/download“Manage budgets, expenses, and more from the palm of your hand—all for free.”
  17. Brex brex.com/pricing“$0 user/month” “Plans start with no per-user fee, per month, and more advanced features are available for $12 per user, per month.”
  18. Brex brex.com/security“In addition to being SOC 1 Type II, SOC 2 Type II, and PCI-DSS compliant” “Brex Empower's SSO feature enables a secure — yet seamless — login experience through Okta, Microsoft, Google Workspace, and other identity providers (IdPs) that support OIDC or SAML.”
  19. Brex brex.com/product/mobile-app“Get our iOS or Android app and manage your business wherever you are.”
  20. SAP Concur concur.com/about/pricing“Starting at $11 per report” “Our flexible pricing models scale with your business. The more you purchase with your contract, the less you pay per report.”
  21. SAP Concur concur.com“If you need a custom integration—no problem—our open APIs make that possible for developers.”
  22. SAP sap.com/about/trust-center/certification-compliance/sap-concur-soc-2-2026.html“SAP Concur has prepared SOC 2 Type 2 audit report by an independent 3rd party accountant.”
  23. SAP Concur concur.com/products/mobile-app“Get the SAP Concur app for iPhone or Android”
  24. Rydoo rydoo.com/pricing“For growing businesses looking for best-in-class expense management on a budget.” “When you pick a Business or Enterprise plan for Rydoo Expense, you only pay for whoever’s actively using Rydoo.”
  25. Rydoo rydoo.com/security“SOC 2 Type 2 (Expense Management)” “ISO 27001 (Expense Management)”
  26. Sage Expense Management fylehq.com/pricing“per active user*/month, billed annually” “No, Sage Expense Management only charges you for active users, who create at least 1 expense in a month, or, have a corporate card connected to the platform with a transaction on it in that month.”
  27. Sage Expense Management fylehq.com“Mobile App”
  28. Navan navan.com/pricing“Navan Expense is free for the first 5 monthly expensing users, and then is $15 per user per month.” “An active expense user is anyone who submits a transaction into Navan expense by manual transaction or Navan Connect.”
  29. Navan trust.navan.com“SOC 2 Type 2” “ISO 27001:2022”
  30. Zoho zoho.com/us/expense/audit-and-compliance“Zoho Expense is GDPR compliant and ISO certified.”
  31. Expensify help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Compare-Collect-and-Control-Plans“Enterprise security features such as SAML/SSO”
  32. SAP learning.sap.com/courses/setting-up-self-activated-single-sign-on-for-sap-concur/exploring-the-sso-service_f68c3dd6-ee4a-4b28-8da9-f4731d5bd743“Full SAML 2.0 (Security Assertion Markup Language) compliance. SAML SSO involves two parties: an IdP and an SP. SAP Concur is the SP.”