Expense Management
How Much Does Expense Management Software Cost?
Real list prices from 7 expense management products that publish them, cost by headcount, the pricing models you will meet and the fees that are easy to miss.
How much expense management costs
Published prices for expense management range from $3–$11.99 per user per month. At 25 users, the median list cost across 7 products is $75 per month.
List prices before discounts, taxes and add-ons; quote-only vendors are not included.
Cost by number of users
Brex Premium$12/user/mo1
Expensify Collect$5/user/mo2
Rydoo Essentials (billed annually)$9/user/mo3
Sage Expense Management Growth (billed annually)$11.99/user/mo4
Zoho Expense Standard (billed annually)$3/user/mo5
| Users | Brex Premium | Expensify Collect | Rydoo Essentials (billed annually) | Sage Expense Management Growth (billed annually) | Zoho Expense Standard (billed annually) |
|---|---|---|---|---|---|
| 1 | $12/mo | $5/mo | $9/mo | $11.99/mo | $3/mo (lowest) |
| 10 | $120/mo | $50/mo | $90/mo | $119.90/mo | $30/mo (lowest) |
| 25 | $300/mo | $125/mo | $225/mo | $299.75/mo | $75/mo (lowest) |
| 50 | $600/mo | $250/mo | $450/mo | $599.50/mo | $150/mo (lowest) |
| 100 | $1,200/mo | $500/mo | $900/mo | $1,199/mo | $300/mo (lowest) |
| 250 | $3,000/mo | $1,250/mo | $2,250/mo | $2,997.50/mo | $750/mo (lowest) |
The lowest monthly cost in each row is highlighted.
Pricing models explained
- Per user. A monthly fee for each active submitter or each licensed user, the most common model. Check whether the vendor bills every licensed user or only people who submit an expense that month.
- Freemium. A free tier with no per-user fee, often tied to the vendor's own corporate card or limited to a few users, with paid tiers for advanced policies, multi-level approvals and ERP sync.
- Tiered plans. Editions that add policy rules, multi-level approvals, card feeds or ERP sync at higher tiers.
- Usage based. Charges per expense report, per transaction or per reimbursement, which rise with volume but do not count users.
- Per module or bundle. Expense sold as part of a spend management, travel or finance suite, sometimes bundled with a corporate card.
- Custom quote. Priced after scoping for multi-entity or global deployments.
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
| Zoho Expense | $3/user/mo (billed annually)5 | Per user | Zoho Expense pricing |
| Expensify | $5/user/mo2 | Per user | Expensify plans and prices |
| Rydoo | $9/user/mo (billed annually)3 | Per user | What Rydoo costs |
| Sage Expense Management | $11.99/user/mo (billed annually)4 | Per user | Sage Expense Management pricing |
 Ramp | $0/user/mo6 | Per user | Ramp plans and prices |
 BILL Spend & Expense | $0/user/mo7 | Free | BILL Spend & Expense plans and prices |
| Brex | $0/user/mo1 | Per user | Brex plans and prices |
 SAP Concur | $7/report (Base plan)8 | Tiered plans | What SAP Concur costs |
 Navan | Free for 5 users, then $15/user/mo (Navan Business plan)9 | Per user | What 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.
Extra and hidden costs
Ramp
Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise6
Zoho Expense
Travel self-booking add-on at $9.99 per trip, Premium Support from $490 a year, Jumpstart onboarding with ERP, HRMS or accounting integration setup from $500 a year, ERP and HRMS integrations are an add-on on Standard, Receipt scans capped per user a month (200 on Standard, 1,000 on Premium)5
Expensify
Members above a Control Annual subscription size are billed at the $36 pay-per-use rate, Taxes are added to the listed prices2
BILL Spend & Expense
Accounts payable and receivable are separate paid subscriptions, Fees on some payment types (checks, ACH, instant transfers, international payments)7
Brex
Business account and bill pay fees per Brex's fee schedule, Smart Card and Enterprise custom-priced1
SAP Concur
Concur Travel only in Premium (custom price), Add-on products and services priced into a custom plan8
Rydoo
- Rydoo Cards: an add-on on Pro; included in Business and Enterprise
- Controlling services: an add-on on Business and Enterprise
- Scheduled exports: an add-on on Business; included in Enterprise3
Sage Expense Management
One-time implementation fee, QuickBooks Desktop integration at additional cost, Premium support with live chat on Growth for an extra fee, Single sign-on on Business for an extra fee4
What drives the price
- Number of active submitters and approvers
- Edition needed for policy rules and multi-level approvals
- Accounting or ERP integration depth
- Number of entities, currencies and countries
- Card program and travel integrations
- Reimbursement volume and payment method
- Whether you keep your current corporate cards or move spend to the vendor's card program
Fees to ask about before you sign:
- Implementation and ERP connector fees
- Per-reimbursement or international payment fees
- Premium tiers needed for basic policy enforcement
- Charges for inactive users counted as licensed
- Data export or archive fees when you leave
- Minimum user counts billed even when fewer people submit expenses
More on expense management software
- All expense management software, ranked
The full ranking, top picks and how to choose.
- Expense Management comparison table
Every product side by side: score, price and verified features.
- Expense management software for mid-sized companies
The ranking reweighted for mid-sized companies.
- Expense management software for small business
The ranking reweighted for small business.
- Expense management software for enterprises
The ranking reweighted for enterprises.
- Expense management software for startups
The ranking reweighted for startups.
- HR software pricing index
Median published prices in every HR category, free to reuse.
Frequently asked questions
Is there free expense management software?
Some products offer free plans or include expense tracking with a corporate card or accounting product. Free plans often limit users, approvals, policy rules or integrations. Check what happens to your data and receipts if you outgrow the plan or switch providers.
How much does expense management software cost?
Most tools charge per active user per month, with tiers that add policy rules, approvals and integrations. Some charge per report or transaction, and some bundle expenses with a corporate card. Ask for a quote that includes implementation, integrations, reimbursement fees and how inactive users are counted.
How much does expense management software cost per user?
Published per-user prices run from $3 to $11.99 per user per month across 4 products, with a median of $7. List prices, before add-ons. Annual-billing rates: Rydoo, Sage Expense Management, and Zoho Expense.
What is the cheapest expense management software?
At 25 users, the lowest published list prices are Zoho Expense ($75/mo, billed annually), Expensify ($125/mo), and Rydoo ($225/mo, billed annually). List prices, before add-ons.
How much does expense management software cost for 50 users?
For 50 users, the median published paid list price across 4 products is $350/mo; the lowest are Zoho Expense ($150/mo, billed annually), Expensify ($250/mo), and Rydoo ($450/mo, billed annually). List prices, before add-ons.
Do expense management platforms publish their prices?
Of the 9 expense management platforms we track, 7 publish a list price we can compare at 25 users, 2 publish prices on another basis (Navan and SAP Concur).
Can I pay for expense management software month to month?
Expensify, Ramp, Rydoo, Sage Expense Management, and Zoho Expense bill month to month.
How are expense management platforms priced?
By the published pricing model — per user: Brex, Expensify, Navan, and 4 more; free: BILL Spend & Expense; tiered plans: SAP Concur.
How much does expense management software cost for 10 users?
For 10 users the lowest published list prices are Zoho Expense at $30, Expensify at $50, and Rydoo at $90 a month; 4 products publish a price we can compute at that size.
How this page was made
What it is built from
32 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
Not reviewed yet by our independent reviewer. 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
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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 9 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
- Brex brex.com/pricing“For mid-sized companies looking to scale” “$0 user/month”
- Expensify help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing“$5 per unique member/month” “If the number of active members exceeds your subscription size, each additional active member is billed at the Pay-per-use rate.”
- Rydoo rydoo.com/pricing“For growing businesses looking for best-in-class expense management on a budget.” “Auto-reconcile card transactions Rydoo Cards Add-on … Rydoo Intelligence Controlling services Add-on … Scheduled Exports Add-on”
- Sage Expense Management fylehq.com/pricing“per active user*/month, billed annually” “Optional premium support with live chat during business hours (additional fee applicable)”
- Zoho zoho.com/us/expense/pricing“For growing businesses looking to manage expenses end to end” “Starts from $490/year”
- Ramp ramp.com/pricing“$0/mo/user” “Procurement (Add-on to Plus or Enterprise)”
- BILL bill.com/pricing“Yes, the BILL Spend & Expense plan is $0 per user per month” “BILL Accounts Payable and Accounts Receivable (AP & AR) are paid subscriptions priced per user, with a free trial available in most cases.”
- SAP Concur concur.com/about/pricing“Starting at $11 per report” “Tell us which add-on products and services you want, and we'll tailor a pricing plan just for you.”
- 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.”