Expense Management Software Pricing Compared 2026: 10 Tools at 50 Users

Expense management software costs between $0 and $14.99 per user a month in 2026, read on ten vendors' pricing pages on October 26, 2026. For a 50-user company the cheapest priced plans are the card-funded ones, Ramp Free, Brex Essentials and BILL Spend and Expense at $0, then Zoho Expense Standard at $150 a month on annual billing, Expensify Collect at $250 and Rydoo Essentials at $450. Two vendors, Navan and Emburse, print no price for a company this size.

The split that matters is how the vendor gets paid. Ramp, Brex, BILL and Navan earn interchange on their cards or commission on travel, so the software is free as long as spend runs through them. Expensify, Zoho, Sage and Rydoo charge a seat fee from $3 a user and work with the cards you already have. SAP Concur charges per expense report, and Emburse sells by quote. The table prices all ten for the same company and names what each free plan asks in return.

CFOpresso data: Toolradar, the software directory we run, tracks 89 expense management tools as of October 25, 2026, and 46 of them have a verified price; the median cheapest paid plan is $12 a month across the 40 that publish one, per the Toolradar expense management ranking. SAP Concur was the category's second most compared tool in the 90 days to October 2026, with 256 side-by-side comparisons, which is the demand a quote-only price list creates.

10 tools at 50 users

The scenario is a company with 50 people who submit expenses, one entity, paying monthly unless the vendor prices only annual billing. Per-user figures are the vendors' printed rates; the 50-user totals are our arithmetic.

Sage's Business plan, at $14.99 per active user with a 10-user minimum, comes to $749.50 a month and $8,994 a year for the same company, and is the highest printed per-user rate on the page.

The $0 tools: what interchange buys and what it costs

Ramp Free covers the whole expense workflow at no seat cost. Unlimited cards, card controls, expense completion by SMS or Slack, receipt matching, travel booking, invoice extraction and bill payment are all on the free plan, per Ramp's pricing page. Plus costs $15 per user a month, 20% less on annual billing, and adds AI-driven expense reviews, auto-coded line items, NetSuite and Sage Intacct integrations, multi-entity support and custom user roles, but the page adds "a platform fee based on team size" without a number, so the 50-user Plus bill above is a floor. Ramp's fee schedule on payments is where the free plan earns beyond interchange; the Ramp pricing page itemizes it.

Brex Essentials is free and Premium is $12 per user a month. Essentials includes global card acceptance, one local card program, up to two entities, accounting integrations, bill pay, reimbursements and free travel booking, per Brex's pricing page. Premium adds multiple expense policies, dynamic review chains, AI compliance audits, multi-entity support and live budgets, which is the list a 50-person finance team usually wants, so Brex's real price for this company is closer to $7,200 a year than zero. Enterprise and the Smart Card program are custom. Ramp vs Brex compares the two free plans line by line.

BILL Spend and Expense is free per user with a credit line attached. The plan includes corporate cards, budgets and expense tracking, and BILL's pricing FAQ ties it to credit lines from $1,000 to $5 million, per BILL's pricing page. It is a separate product from BILL's paid Accounts Payable and Receivable plans, which are priced per user. The BILL Spend and Expense review covers the underwriting side, and the BILL pricing page covers the AP plans.

The trade is the same on all three, because the software is free only while the card is the product. A company that wants to keep its existing bank card program, or that cannot or will not take a vendor's credit line, does not get the $0 price, which is why the seat-fee tools still exist.

The seat-fee tools: Zoho, Expensify, Sage and Rydoo

Zoho Expense is the cheapest seat fee on the page. Standard costs $4 per user a month on monthly billing and $3 on annual, Premium $6 and $5, per Zoho Expense's US pricing page, with a Free plan capped at 3 users and 20 receipt scans per user a month. Standard allows 200 scans per user a month and Premium 1,000, and Zoho bills extra users at the same per-user rate when you add them mid-cycle. For 50 users the annual Standard bill is $1,800, about a fifth of Sage Business's annual bill for the same people. The best expense management software for QuickBooks list is where Zoho's integrations get weighed.

Expensify Collect is $5 per member a month, and Control is a quote from $9. Collect includes receipt scanning, reimbursements, corporate card management, expense and travel approvals and QuickBooks or Xero integration; Control adds multiple approval flows, custom rules, NetSuite and Sage Intacct integration, SAML and budgeting, per Expensify's pricing page. The page says discounts apply for annual commitments and for using the Expensify Card, up to 50% off, so the yearly figure above is the undiscounted one. The Expensify pricing page prices the card discount and Ramp vs Expensify sets it against the free leader.

Sage Expense Management, the product formerly sold as Fyle, is the dearest per seat. Growth costs $11.99 and Business $14.99 per active user a month, billed annually, with minimums of 5 and 10 users, per its pricing page; an active user is one who creates an expense or has a connected card with transactions in the month. Business adds multi-entity setup, ACH reimbursements, project tracking and two-way integrations with Sage Intacct and Sage 300, some with implementation fees, and SSO is an extra fee. Enterprise is custom above 250 employees. The active-user definition is the lever: a 50-person company where 30 people expense in a given month pays for 30.

Rydoo sits between Expensify and Brex Premium on price. Essentials costs $9 per user a month on annual billing or $12 monthly, with a receipt scanner, unlimited expenses, mileage and a single approval flow; Pro costs $11 or $14 and adds per diems, QuickBooks and Xero integrations, automated card reconciliation, custom policies and multilevel approvals, per Rydoo's pricing page, which prints its prices in dollars, euros and pounds with a 5-user minimum. Business and Enterprise are quotes, and Business starts at 50 active users, so the company in this scenario sits on the line where Rydoo's sales team takes over from the self-serve plans.

The per-report and quote-only vendors

SAP Concur prices per expense report, not per user. Concur Expense Base starts at $7 per report and Plus at $11 per report, both with unlimited users, with the page noting that price varies with the monthly commitment; Premium, which bundles Concur Travel and Intelligence, is custom, per SAP Concur's expense page. The 50-user figures in the table assume one report per user a month, which is our assumption and not Concur's; a company whose staff file two reports a month pays double, and one that batches a month of receipts into one report per person pays the floor. The SAP Concur review and SAP Concur vs Expensify cover whether the per-report model suits a 50-person firm.

Navan is free for travel and for the first five expense users. Navan Business, for companies up to 300 employees, charges no platform fee for travel because Navan is paid by travel providers' commissions, and includes expense management free for the first 5 users; beyond that, and for Navan Enterprise, the page says to get a price quote, per Navan's pricing page. For 50 expensing users Navan therefore publishes no price. The Navan pricing page and Ramp vs Navan cover what a quote has included.

Emburse publishes no list price. Its pricing page carries no plan or figure, only a demo request, and its product pages do the same, so Emburse is a quote at any company size.

Ranked by cost for the 50-user company

Monthly billing where the vendor offers it, annual where it does not, our arithmetic on the printed per-user rates.

1. Ramp Free, Brex Essentials and BILL Spend and Expense, nothing a year, funded by card interchange.
2. Zoho Expense Standard, $2,400 a year on monthly billing or $1,800 on annual.
3. Expensify Collect, $3,000 a year before annual and card discounts.
4. Zoho Expense Premium, $3,600 a year on monthly billing or $3,000 on annual.
5. SAP Concur Base, from $4,200 a year at one report per user a month, our assumption.
6. Rydoo Essentials, $7,200 a year on monthly billing or $5,400 on annual.
7. Sage Expense Management Growth, $7,194 a year, annual billing only.
8. Brex Premium, $7,200 a year.
9. Rydoo Pro, $8,400 a year on monthly billing or $6,600 on annual.
10. Sage Expense Management Business, $8,994 a year, annual billing only.
11. Ramp Plus, $9,000 a year in seats plus an unprinted platform fee.
12. Navan and Emburse, quote only at this size.

Between the cheapest seat-fee plan and the dearest printed one sits $7,194 a year for the same 50 people. That gap buys multi-entity accounting, ERP integrations and policy engines, a fair trade for a company that needs them and a waste for one that only needs receipts matched to a card feed.

What the free price does not include

• Card interchange is paid by your vendors, then by you. Ramp, Brex and BILL earn when spend runs through their cards, so the free plan assumes you move card spend to them. Keep an existing bank card program and the free tier does less.
• Platform and implementation fees. Ramp Plus carries an unprinted platform fee; Sage charges implementation fees on its Intacct and Sage 300 integrations and an extra fee for SSO; SAP Concur's per-report price moves with the commitment you sign.
• Minimums and active-user rules. Sage bills a minimum of 5 users on Growth and 10 on Business, and counts only active users; Zoho's Free plan stops at 3 users; Rydoo's self-serve plans start at 5 users and its quoted Business plan at 50 active users.
• Reimbursement rails. Sage limits ACH reimbursements to the Business plan and the US; Ramp and Brex include reimbursements on the free plan; Expensify includes them on Collect.

This page is general information, not personalized financial advice. Confirm plan terms, fees and card or credit eligibility with each provider before you commit.

How we priced it

We read each vendor's pricing page on October 26, 2026: Ramp, Brex, BILL, Expensify, Zoho Expense, Sage Expense Management, Navan, Rydoo, SAP Concur's expense page and Emburse. All figures are US dollars; Rydoo's page prints dollar, euro and pound prices and we took the dollar ones. The 50-user totals multiply each printed per-user rate by 50; yearly totals multiply by 12 or use the printed annual rate. The SAP Concur row rests on our assumption of one report per user a month. Toolradar figures come from its expense management ranking. Prices change; confirm them on the vendor pages before you sign.

Cite this: CFOpresso, "Expense Management Software Pricing Compared 2026: 10 Tools at 50 Users", November 2026.

FAQ

How much does expense management software cost per user in 2026?

Between $0 and $14.99 per user a month on the ten pricing pages read on October 26, 2026. Ramp Free, Brex Essentials and BILL Spend and Expense are free and earn on card interchange; Zoho Expense Standard is $3 on annual billing, Expensify Collect $5, and Sage Expense Management tops the page at $11.99 and $14.99 per active user.

What does expense management software cost for 50 users?

From nothing a year on the card-funded plans to $8,994 a year on Sage Expense Management Business, by our arithmetic on printed rates. Zoho Expense Standard is $1,800 a year on annual billing, Expensify Collect $3,000 before discounts, Rydoo Essentials $5,400 on annual billing and Brex Premium $7,200. Navan and Emburse give a quote at that size.

Is Ramp really free?

The Free plan costs nothing per user and includes unlimited cards, receipt matching, travel booking and bill pay, and Ramp earns on card interchange and payment fees instead. The Plus plan costs $15 per user a month, 20% less on annual billing, plus a platform fee based on team size that the pricing page does not print.

Which expense tools charge per seat rather than by card?

Expensify on its Collect plan, Zoho Expense at $3 to $6 per user depending on plan and billing, Sage Expense Management at $11.99 or more per active user billed annually, and Rydoo at $9 to $14 per user depending on plan and billing. SAP Concur charges from $7 per expense report with unlimited users instead of a seat fee.

Does SAP Concur publish its pricing?

Partly. Concur Expense Base starts at $7 per report and Plus at $11 per report, unlimited users, with the price varying by monthly commitment; Premium is custom. There is no per-user price, so a 50-user cost depends on how many reports staff file each month.

Which vendors do not publish a price at all?

Emburse publishes no list price on any page. Navan publishes a free tier for travel and the first 5 expense users and a quote beyond that. Rydoo prints self-serve prices but moves companies of 50 active users or more to its quoted Business plan, and SAP Concur prints a per-report price without a per-user one.

CFOpresso's best expense management software ranking weighs these tools on fit rather than cost alone, and the best spend management platforms list covers the card-and-software bundles Ramp, Brex and BILL sell.

Some offers on this page may be paid placements or contain affiliate links.