Quick Overview
- 1#1: Expensify - Automates receipt scanning, expense report creation, approvals, and reimbursements for businesses of all sizes.
- 2#2: SAP Concur - Enterprise-grade platform for managing travel, expenses, and invoices with global compliance and integrations.
- 3#3: Zoho Expense - Cloud-based tool for tracking expenses, capturing receipts via mobile, and streamlining approvals on a budget.
- 4#4: Ramp - Spend management platform with corporate cards, real-time expense tracking, and automated reporting.
- 5#5: Navan - All-in-one travel and expense management software that automates bookings, tracking, and reimbursements.
- 6#6: Emburse Certify - Mobile-first expense management with OCR receipt scanning, policy enforcement, and quick reimbursements.
- 7#7: Brex - Finance platform offering corporate cards, bill pay, and automated expense reporting for startups and scale-ups.
- 8#8: QuickBooks Online - Accounting software with built-in expense tracking, receipt matching, and report generation for small businesses.
- 9#9: Xero - Cloud accounting solution featuring expense claims, receipt capture, and integration with bank feeds.
- 10#10: FreshBooks - Invoicing and accounting app with simple expense tracking, categorization, and reporting for freelancers and SMBs.
Tools were chosen based on key metrics, including automation capabilities, user experience, compliance features, and scalability, ensuring they deliver value across small businesses, startups, and enterprises.
Comparison Table
Effective expense report software simplifies financial tracking and reimbursement, and selecting the right tool can enhance operational efficiency. This comparison table explores key options—including Expensify, SAP Concur, Zoho Expense, Ramp, Navan, and more—detailing features, pricing, and usability to help businesses identify solutions that fit their needs. Readers will gain clarity on which software aligns with their team’s workflow and budget, enabling informed decisions.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Expensify Automates receipt scanning, expense report creation, approvals, and reimbursements for businesses of all sizes. | specialized | 9.2/10 | 9.5/10 | 8.8/10 | 9.0/10 |
| 2 | SAP Concur Enterprise-grade platform for managing travel, expenses, and invoices with global compliance and integrations. | enterprise | 8.8/10 | 9.4/10 | 7.6/10 | 8.2/10 |
| 3 | Zoho Expense Cloud-based tool for tracking expenses, capturing receipts via mobile, and streamlining approvals on a budget. | specialized | 8.7/10 | 9.0/10 | 8.5/10 | 9.2/10 |
| 4 | Ramp Spend management platform with corporate cards, real-time expense tracking, and automated reporting. | enterprise | 8.8/10 | 9.2/10 | 8.7/10 | 9.5/10 |
| 5 | Navan All-in-one travel and expense management software that automates bookings, tracking, and reimbursements. | enterprise | 8.7/10 | 9.2/10 | 8.8/10 | 8.3/10 |
| 6 | Emburse Certify Mobile-first expense management with OCR receipt scanning, policy enforcement, and quick reimbursements. | specialized | 8.6/10 | 9.1/10 | 8.4/10 | 8.0/10 |
| 7 | Brex Finance platform offering corporate cards, bill pay, and automated expense reporting for startups and scale-ups. | enterprise | 8.7/10 | 9.2/10 | 8.5/10 | 8.8/10 |
| 8 | QuickBooks Online Accounting software with built-in expense tracking, receipt matching, and report generation for small businesses. | enterprise | 8.1/10 | 8.5/10 | 7.6/10 | 7.4/10 |
| 9 | Xero Cloud accounting solution featuring expense claims, receipt capture, and integration with bank feeds. | enterprise | 7.8/10 | 7.5/10 | 8.7/10 | 7.2/10 |
| 10 | FreshBooks Invoicing and accounting app with simple expense tracking, categorization, and reporting for freelancers and SMBs. | enterprise | 7.6/10 | 7.2/10 | 9.1/10 | 7.4/10 |
Automates receipt scanning, expense report creation, approvals, and reimbursements for businesses of all sizes.
Enterprise-grade platform for managing travel, expenses, and invoices with global compliance and integrations.
Cloud-based tool for tracking expenses, capturing receipts via mobile, and streamlining approvals on a budget.
Spend management platform with corporate cards, real-time expense tracking, and automated reporting.
All-in-one travel and expense management software that automates bookings, tracking, and reimbursements.
Mobile-first expense management with OCR receipt scanning, policy enforcement, and quick reimbursements.
Finance platform offering corporate cards, bill pay, and automated expense reporting for startups and scale-ups.
Accounting software with built-in expense tracking, receipt matching, and report generation for small businesses.
Cloud accounting solution featuring expense claims, receipt capture, and integration with bank feeds.
Invoicing and accounting app with simple expense tracking, categorization, and reporting for freelancers and SMBs.
Expensify
specializedAutomates receipt scanning, expense report creation, approvals, and reimbursements for businesses of all sizes.
SmartScan AI that instantly reads and categorizes receipts from photos, eliminating manual entry.
Expensify is a comprehensive expense management platform designed to streamline receipt capture, expense tracking, and report generation for individuals and businesses. It uses AI-powered SmartScan to automatically extract data from receipts via mobile app scans, categorizes expenses, and enforces company policies with approval workflows. The software integrates with major accounting tools like QuickBooks and NetSuite, enabling seamless reimbursement and real-time visibility into spending.
Pros
- AI-driven SmartScan for effortless receipt processing and data extraction
- Robust integrations with accounting software and corporate cards
- Mobile-first design with real-time expense tracking and approvals
Cons
- Pricing tiers can become expensive for large teams with advanced needs
- Occasional glitches in receipt syncing or mobile app performance
- Steeper learning curve for complex policy configurations
Best For
Small to mid-sized businesses and remote teams seeking automated, mobile-friendly expense reporting.
Pricing
Free for individuals; paid plans start at $5/user/month (Collect), $9/user/month (Control), up to $18/user/month (Track) with annual billing discounts.
SAP Concur
enterpriseEnterprise-grade platform for managing travel, expenses, and invoices with global compliance and integrations.
AI-driven Intelligent Audit that automatically flags policy violations and anomalies with high accuracy
SAP Concur is a comprehensive cloud-based platform for managing travel and expenses, automating the entire expense reporting lifecycle from receipt capture via mobile app to approvals and reimbursements. It leverages AI for intelligent auditing, policy enforcement, and fraud detection, while integrating seamlessly with corporate cards, ERPs like SAP, and accounting systems. Ideal for global enterprises, it provides real-time spend visibility and compliance across multiple currencies and regions.
Pros
- Extensive integrations with ERPs, credit cards, and travel booking tools
- AI-powered automation for receipt matching, auditing, and approvals
- Robust mobile app supporting global receipt capture and real-time reporting
Cons
- Steep learning curve for non-enterprise users due to complex interface
- High pricing suitable mainly for mid-to-large organizations
- Occasional performance lags and rigid customization options
Best For
Large enterprises with complex, global expense management needs requiring strong compliance and integrations.
Pricing
Custom enterprise pricing, typically $8-15 per user/month depending on tier (Standard, Professional, Elite), with volume discounts and add-ons for advanced features.
Zoho Expense
specializedCloud-based tool for tracking expenses, capturing receipts via mobile, and streamlining approvals on a budget.
Advanced OCR-powered receipt scanning with automatic data extraction and categorization
Zoho Expense is a cloud-based expense management solution designed to streamline tracking, reporting, and reimbursement of business expenses. It offers OCR-powered receipt scanning, automated approval workflows, mileage tracking, and multi-currency support for global teams. Integrated seamlessly with the Zoho ecosystem and third-party apps like QuickBooks, it provides real-time analytics and compliance tools to simplify expense audits.
Pros
- Seamless integrations with Zoho apps and accounting software
- Accurate OCR receipt scanning and auto-categorization
- Affordable pricing with a robust free plan for small teams
Cons
- Steeper learning curve for users outside the Zoho ecosystem
- Advanced analytics limited to higher-tier plans
- Customer support response times can vary
Best For
Small to medium-sized businesses already using Zoho products or seeking cost-effective expense automation.
Pricing
Free for up to 3 users; Standard at $4/user/month; Premium at $6/user/month (billed annually).
Ramp
enterpriseSpend management platform with corporate cards, real-time expense tracking, and automated reporting.
Unlimited virtual and physical corporate cards issued instantly with customizable spending limits and controls
Ramp is a spend management platform that excels in expense reporting by integrating corporate cards, real-time tracking, and AI-driven automation. Users capture receipts via mobile app, with automatic categorization, policy enforcement, and seamless report generation for reimbursements or accounting exports. It combines expense management with bill pay and vendor tracking for holistic financial control.
Pros
- AI-powered receipt matching and auto-categorization saves hours on manual entry
- Unlimited virtual/physical cards with granular spending controls and real-time visibility
- Generous 1.5% unlimited cashback on all spend with no subscription fees
Cons
- Limited support for non-card expenses and reimbursements compared to dedicated tools
- Primarily US-focused with weaker international currency handling
- Steeper learning curve for complex policy setups in large enterprises
Best For
Mid-market companies seeking integrated corporate cards and automated expense reporting to replace spreadsheets and legacy systems.
Pricing
Free core platform (no subscription fees); revenue from card interchange; premium enterprise features on request.
Navan
enterpriseAll-in-one travel and expense management software that automates bookings, tracking, and reimbursements.
Integrated virtual corporate cards with real-time spend controls and global reimbursements
Navan is a comprehensive corporate travel and expense management platform that streamlines expense reporting through real-time receipt capture, OCR scanning, and automated approvals. It integrates seamlessly with corporate cards, accounting software like QuickBooks and NetSuite, and offers policy compliance checks to prevent out-of-policy spends. Designed for businesses with frequent travel, it combines expense tracking with travel booking for a unified workflow, reducing manual entry and accelerating reimbursements.
Pros
- Real-time expense capture via mobile app with accurate OCR
- Strong integrations with ERPs and corporate cards
- Automated approvals and policy enforcement reduce errors
Cons
- Travel-centric focus may overwhelm pure expense-only users
- Pricing lacks transparency and is enterprise-oriented
- Advanced customization requires setup time
Best For
Mid-to-large enterprises with heavy travel needs seeking an integrated travel and expense solution.
Pricing
Custom enterprise pricing, typically $12-20 per user/month based on volume and features; free demo required for quotes.
Emburse Certify
specializedMobile-first expense management with OCR receipt scanning, policy enforcement, and quick reimbursements.
Card-linked expense automation that instantly matches corporate card transactions with receipts for zero-touch reconciliation
Emburse Certify is a robust expense management platform that streamlines the entire expense reporting process through mobile receipt capture, OCR-powered automation, and intelligent policy enforcement. It integrates seamlessly with accounting systems like QuickBooks, NetSuite, and SAP, enabling real-time approvals, reimbursements, and spend visibility. Ideal for automating manual workflows, it reduces errors and ensures compliance for businesses handling high-volume expenses.
Pros
- Advanced OCR and auto-categorization for effortless receipt processing
- Seamless integrations with major ERPs and corporate cards
- Real-time approval workflows and policy compliance checks
Cons
- Pricing scales higher for smaller teams without volume discounts
- Admin setup can have a moderate learning curve
- Limited customization in lower-tier plans
Best For
Mid-sized businesses and enterprises needing automated, compliant expense management with strong accounting integrations.
Pricing
Custom enterprise pricing, typically starting at $10-15 per user/month for standard plans, with volume discounts and add-ons for cards or advanced analytics.
Brex
enterpriseFinance platform offering corporate cards, bill pay, and automated expense reporting for startups and scale-ups.
Card-linked controls that set spending limits and approvals directly on cards to prevent overspending before it happens
Brex is a spend management platform offering corporate cards integrated with automated expense reporting, tracking, and reimbursement tools. It enables real-time expense capture via mobile app with OCR receipt matching, AI categorization, and customizable approval workflows. Designed for scaling businesses, it emphasizes policy enforcement and seamless accounting integrations like QuickBooks and NetSuite.
Pros
- Real-time expense tracking synced directly from Brex cards eliminating manual entry
- AI-powered receipt matching and categorization for accuracy
- Robust integrations with major accounting software and strong mobile app
Cons
- Full benefits require using Brex corporate cards
- Steeper learning curve for complex policy setups
- Less ideal for companies not needing integrated corporate cards
Best For
Fast-growing startups and tech companies seeking integrated card and expense management with real-time controls.
Pricing
Core platform free for eligible startups; enterprise plans custom-priced starting around $10/user/month for advanced features.
QuickBooks Online
enterpriseAccounting software with built-in expense tracking, receipt matching, and report generation for small businesses.
Automatic bank feed matching and categorization of expenses into general ledger accounts
QuickBooks Online is a cloud-based accounting software with built-in expense management tools that allow users to track, categorize, and report expenses directly within their financial records. It supports receipt capture via mobile app, automatic categorization, mileage tracking, and approval workflows for reimbursements. While not a standalone expense report solution, it excels in integrating expenses seamlessly with bookkeeping, invoicing, and payroll for small to medium businesses.
Pros
- Seamless integration with accounting, automatically syncing expenses to profit/loss statements
- Mobile app for easy receipt scanning and mileage tracking with GPS
- Robust reporting and approval workflows for team expense management
Cons
- Steep learning curve for users new to accounting software
- Full expense features require mid-tier plans, increasing costs
- Less specialized for complex multi-currency or corporate card reconciliation compared to dedicated tools
Best For
Small to medium businesses already using QuickBooks for accounting who want integrated expense tracking without switching platforms.
Pricing
Starts at $30/month (Simple Start, basic expenses); full features from $60/month (Essentials/Plus); up to $200/month (Advanced); annual discounts available.
Xero
enterpriseCloud accounting solution featuring expense claims, receipt capture, and integration with bank feeds.
Hubdoc-powered OCR receipt extraction that automatically populates expense data into accounting ledgers
Xero is a cloud-based accounting software platform that includes built-in expense management tools for tracking, categorizing, and reimbursing business expenses. Users can capture receipts via its mobile app, automate categorization with OCR technology through Hubdoc integration, and handle approvals and reimbursals within the same system. While not a standalone expense report solution, it excels in integrating expenses seamlessly with overall bookkeeping, bank feeds, and financial reporting.
Pros
- Seamless integration with full accounting suite for unified financial management
- Mobile app with receipt capture and OCR for quick expense entry
- Multi-currency support and automated bank reconciliation
Cons
- Limited advanced analytics and reporting focused solely on expenses
- Pricing is for the entire platform, which may be overkill for expense-only needs
- Less robust for high-volume or enterprise-scale expense processing compared to dedicated tools
Best For
Small to medium-sized businesses already using Xero for accounting that want integrated expense tracking without switching platforms.
Pricing
Starts at $15 USD/month (Early plan) up to $78 USD/month (Ultimate plan), billed annually; no per-user fees but limited to organization-wide access.
FreshBooks
enterpriseInvoicing and accounting app with simple expense tracking, categorization, and reporting for freelancers and SMBs.
AI-powered smart categorization that learns from user habits to automate expense sorting
FreshBooks is a cloud-based accounting platform with built-in expense management tools designed for small businesses and freelancers. It allows users to capture receipts via mobile app, automatically categorize expenses, track mileage, and generate customizable reports for reimbursements or taxes. While not a standalone expense solution, it integrates expenses seamlessly with invoicing and bookkeeping for holistic financial oversight.
Pros
- Intuitive mobile receipt scanning and OCR for quick capture
- Automatic bank feed imports and smart categorization
- Seamless integration with invoicing for profitability tracking
Cons
- Limited advanced approval workflows and multi-level hierarchies
- Fewer analytics and reporting options compared to dedicated expense tools
- Higher cost if used primarily for expenses rather than full accounting
Best For
Freelancers and small teams needing simple, integrated expense tracking alongside invoicing and basic accounting.
Pricing
Starts at $19/month (Lite, billed annually) up to $60/month (Premium); all plans include unlimited expenses.
Conclusion
The reviewed expense report tools span various needs, yet Expensify leads as the top choice, standing out with its seamless automation across receipt scanning, reporting, and approvals for businesses of all scales. SAP Concur, a strong alternative, caters to enterprise needs with global compliance and integrations, while Zoho Expense offers a budget-friendly, cloud-based solution ideal for streamlined tracking and mobile capture.
Take the first step toward simpler expense management—try Expensify to automate your workflow, reduce errors, and gain better control over your finances.
Tools Reviewed
All tools were independently evaluated for this comparison