Navan Pricing 2026: Free Travel, the Expense Rate, and the Enterprise Quote

Navan Travel is free for a company of up to 300 employees, with no limit on trips, and Navan Expense is free for the first 5 monthly expensing users, then $15 per user per month. Navan Enterprise publishes no list price. On Business, 40 monthly expensing users cost $525 a month, because only 35 of them are billed, and the travel software line stays free.

Prices below were read on October 17, 2026 from Navan pricing and Navan Expense. Competitor rates were read the same day on each vendor's pricing page. Toolradar data: Toolradar, the software directory we run, tracks 20 corporate travel tools as of October 16, 2026, and lists Navan as an alternative to 14 of them, on its corporate travel ranking. The product verdict is in the Navan review. This page is the bill.

A controller who writes "Navan, free" into the board deck is right about booking software and wrong about expense as soon as a sixth person submits a transaction. Forecast the expense line from last quarter's submitters, not from headcount, and keep travel fares in the travel budget rather than in this software line. For the head-to-head with the incumbent, see Navan vs SAP Concur.

At a glance

Plan	Price	Who it is for	Included on the plan card	Not on this plan
Navan Business	Travel free; expense free for 5 users, then $15 per user/mo	Companies of up to 300 employees	Global flight, hotel, car, and train inventory; policy and approval workflows; self-serve changes; 24/7 travel agents; Navan Rewards; reports; 30+ HRIS links; expense, reimbursement, existing-card connect, receipt scan, ERP links	A published annual discount; negotiated airline rates; a named account executive
Navan Enterprise	Publishes no list price	Companies above that employee cap, and anyone who needs the support layer	Everything the pricing FAQ says both plans share, plus a designated account executive, a customer success manager, custom implementation, corporate negotiated rates, global program coverage, and enterprise-grade travel support	A number you can put in a budget without a quote

Business is the plan you can cost from the website. Enterprise is a conversation. The rest of this page is how the Business bill moves, and where a quote replaces it.

How much does Navan Expense cost after the free seats?

The rate applies to people who submit, not to everyone on payroll. Navan's pricing page defines an active expense user as anyone who submits a transaction into Navan Expense, either by entering it or through Navan Connect. A traveler who only books a flight, and never files a card charge or a reimbursement, is not in that definition. A cardholder whose linked Visa, Mastercard, or American Express transaction lands in Navan is.

The first allotment stays unpaid, and everyone past it is billed for that month. Read the pricing FAQ as a marginal price: those first seats are free, and each monthly expensing user after them is charged the published rate. There is no annual discount on the page, so do not haircut the quote by a yearly percentage the way some card platforms invite you to. If a partner signup link shows a different free-user count, budget the pricing page until the order you sign says otherwise.

Activity is monthly, which makes the bill a forecast, not a census. Someone who submits nothing in a quiet month drops out of that month's count. Someone who swipes a connected card once is in. Finance should pull the count of distinct submitters from the last three closes and use the high month, because a conference month will not look like August. Approvers are not given a separate price. The definition Navan prints is about submitting a transaction, so build the model from submitters.

Navan Connect reports Visa and Mastercard transactions in real time and American Express transactions daily, which is a close-timing fact as much as a pricing fact. A daily Amex feed can leave a charge out of the current day's accrual. The expense product page also says reimbursements run across 45 countries and 25 currencies, via payroll or to a bank account, within days of approval. The pricing page lists no per-reimbursement fee.

What 8, 40 and 150 expensing users cost

The table is our multiplication of the published rate. The company is at or under the employee cap, so Business applies. The first allotment is unbilled. Travel software is not added. The pricing page does not say whether tax is included, so tax is not in the total. Card rewards are not netted off, because the earn rate is "up to" and is not a software credit.

Monthly expensing users	Users billed	Expense per month	Expense per year
5 or fewer	0	Free	Free
8	3	$45	$540
40	35	$525	$6,300
150	145	$2,175	$26,100

Thirty-five billed users at $15 comes to $525 a month, or $6,300 a year. That middle row is the one to show a leadership team that thinks the product is free: forty people submitting is already a five-figure software line, with airfare still outside it. The small row is the company where a handful of people file and everyone else only books. The large row is what happens when a connected card turns most of the staff into submitters. One swipe in the month is enough to count.

Use the large row before you connect the whole card program. A 200-person company can have 150 expensing users without having 150 frequent travelers, because Navan Connect posts ordinary card spend into expense. If only the travel bookers will ever submit, stay on the small row and do not link every corporate card on day one.

Is Navan Travel actually free?

The software fee is zero inside the employee cap, and the trip is not. The pricing FAQ says there is no limit on how many trips a company of 300 or fewer employees can book, and that the inventory is funded by travel-provider commissions, so the company is not paying Navan for access to it. Flights, hotels, car rentals, and trains are still purchased from the supplier. Put those fares in the travel budget. Put a zero on the travel-software line only while headcount stays inside the cap.

The Business card lists global inventory and exclusive rates, unlimited policy and approval workflows, self-serve changes, 24/7 travel support agents, the Navan Rewards program, customizable reports, and 30+ HRIS integrations. It does not publish an earn rate for Navan Rewards. Separately, the expense product page says Navan corporate cards include built-in controls and up to 1.5% back, and that you can keep an existing Visa, Mastercard, or American Express instead of issuing a Navan card. Treat the 1.5% as a ceiling on card spend, not as a reduction in the software invoice. The corporate cards guide is the place to compare card programs on their own terms.

Nothing on the pricing page adds a per-trip booking fee or a monthly travel subscription for Business. Do not invent one to be conservative, and do not assume a partner landing page's support-request fee applies to this plan. If a sales order adds a fee the pricing page does not show, that order is the price.

What the close team actually gets

The integrations are the reason a controller would pay the expense rate instead of keeping a spreadsheet. Navan Expense names direct links to NetSuite, QuickBooks Online, Xero, Sage, and Datev, plus a custom CSV, and it says user management can follow most HRIS platforms. The pricing page's "most ERPs" line is that list, not a promise of Workday or Oracle. If the ledger is one of those five, the sync is part of the published plan. If it is not, ask for the connector in writing before you count on it for the close.

Out-of-policy charges are flagged for review, and the product page says each expense keeps a receipt, an approval history, a policy status, and payment details. Per diem and mileage are supported, with rates set by location and trip type. None of that adds a line item on the pricing page. The same page says Navan holds SOC 1 Type II, SOC 2 Type II, ISO 27001, and PCI DSS, and that it complies with GDPR and GoBD. Those are control facts for a security questionnaire, not a discount.

Enterprise's card is where negotiated corporate rates, a designated account executive, a customer success manager, and custom implementation show up. The pricing FAQ says both plans include the travel and expense features companies use, and that Enterprise adds support for implementing and scaling. Read those two statements together: do not expect the free plan to load your airline contracts, and do not expect a feature you already see on Business to vanish when you ask for a quote.

What happens above 300 employees?

The published Business rate stops at the employee cap, not at a trip cap. Navan Business is labeled for companies of up to 300 employees. The FAQ tells anyone larger to request a demo. A 250-person company with a small travel team still qualifies. A 400-person company with twenty travelers does not, even if the expensing-user math would have looked cheap. Headcount is the gate, not the number of people on the road.

Above that gate, Enterprise publishes no list price. The card adds unlimited travelers and expensing users, global program coverage, the named support roles, custom implementation, corporate negotiated rates, back-office capability, and enterprise-grade travel support. There is no public implementation fee to add, and no public per-user rate to multiply. A board paper for a company near the cap should show two cases: the Business math if headcount stays under the line, and "quote" if hiring crosses it. Do not slide the per-user rate upward and call it Enterprise.

The product fit for a large program, including when Concur's depth is the point of the quote, is covered in Navan vs SAP Concur and the SAP Concur review. This page stops at the price.

How Navan's bill compares with Brex, Ramp, Expensify, and SAP Concur

Published entry prices, read on each vendor's page on October 17, 2026. They are list prices for different products. Match the job, then the number. The 40-user figures later in this section are our multiplication, not vendor quotes.

Vendor	Entry price	Paid tier	What the cheap tier leaves out
Navan	Travel software free under the employee cap	Expense at the published rate after the free allotment	Enterprise, including negotiated rates, is a quote
Brex	$0 per user/mo on Essentials, travel booking included	$12 per user/mo on Premium	A card relationship; local-currency depth and group travel rules sit higher
Ramp	$0 per user/mo on Free, including flight, hotel, and car booking	$15 per user/mo on Plus, 20% off with annual billing, plus a platform fee Ramp does not publish	The platform fee, and local-currency cards on Enterprise
Expensify	$5 per unique member/mo on Collect	$18 per member/mo on annual Control, as low as $9 with the full Expensify Card discount	Multi-step approvals, ERP and HR links, and SSO sit on Control
SAP Concur	Base starts at $7 per report, unlimited users	Plus starts at $11 per report; Premium, which adds Concur Travel, is custom pricing	Travel booking is not in either published price, and the per-report rate can fall with a larger commitment

On a 40-person submitting roster with one report each per month, Concur Base is the smaller expense bill and it does not book the trip. Forty reports at the Base starting rate are $3,360 a year. Plus on the same volume is $5,280. The Navan middle row is $6,300 and includes travel software. The lines cross just before two reports a person each month: 900 reports a year at the Base starting rate equals that Navan bill. Concur can price below its starting rate when the monthly commitment is larger, so a high-volume Concur contract can stay cheaper than this crossover. Premium, the Concur tier that includes Concur Travel, still publishes no list price.

Brex and Ramp can also put booking on a free software tier, with a different catch. Brex Essentials is $0 per user and lists travel booking. Premium at 40 users is $5,760 a year. Ramp Free is $0 per user and lists flight, hotel, and car booking. Applying Ramp's published 20% annual discount to 40 Plus users, before the unpublished platform fee, lands on that same $5,760 seat line. Monthly Plus billing, again before the platform fee, is $7,200 a year. Either free tier can beat Navan on software if the company will take that vendor's card. Navan's opening is that existing corporate cards connect, so the expense rate is the cost of not moving the card program. The Brex pricing page, the Ramp pricing page, the Brex review, and the Ramp review carry the fee schedules.

Expensify is the per-member comparison, and its cheap plan does not need a card migration either. Collect on 40 unique members is $2,400 a year. Annual Control on 40 members is $8,640 before any card discount. Collect bills unique members rather than only people who submitted, so a workspace that invites the whole company pays for the whole company. That can make Collect dearer than Navan when few people file, and cheaper when almost everyone does. The card discount, the annual lock, and the legacy pricing cutoff are on the Expensify pricing page and in the Expensify review.

For the wider sets, use the corporate travel software guide and the expense management software guide. SAP Concur is the travel incumbent in Toolradar's catalog. Per-report math rewards a company that files rarely. Per-user math rewards a company that files constantly. Pick the unit that matches your export, not the sticker that looks smaller on a one-row screenshot.

What to budget before you sign

• Submitters, not employees. A linked card program can turn an occasional swipe into a billed user. Count last quarter before you connect every card.
• The employee cap. Business pricing is for companies of up to the published headcount. Crossing it replaces the rate with a quote.
• No annual haircut. The pricing page shows a monthly expense rate and no yearly discount.
• Fares stay in the travel budget. Free means the booking software, funded by supplier commissions, not the ticket.
• Negotiated rates and implementation. Both sit on Enterprise. Business does not print a dollar fee for either, and Enterprise does not print a price.
• Tax. The pricing page does not say tax is included. Ask before the number goes into the forecast.
• A signup offer that disagrees with the pricing page. Budget the pricing page unless the contract you sign adopts the offer.

Who should pick which plan

• A company under the cap where only a few people file expenses: Business, with travel software at zero and the expense line at zero while submitters stay inside the free allotment. Book the fares separately.
• A company under the cap that will connect corporate cards broadly: Business, using the large row in the table as the planning case, then confirm the submitter count after one close.
• A company that already holds airline contracts or is about to cross the cap: Enterprise. Do not paste the Business rate into that paper.
• A team that wants booking and cards from one issuer and can pass underwriting: price Brex and Ramp first. Their free tiers include booking.
• A team that wants published reimbursement pricing and no travel booking: start with Expensify Collect, and read the Control rules before you assume the entry rate survives an ERP requirement.

How we priced this

We read Navan's pricing page and expense product page, and the Brex, Ramp, Expensify, and SAP Concur pricing pages, on October 17, 2026. The Toolradar count and the alternative listing are from Toolradar's corporate travel ranking as of October 16, 2026. Scenario totals multiply those published rates. They are not quotes, they exclude tax, and they exclude card rewards. Concur's "starting at" rates can be lower with a larger monthly commitment. Re-check the pricing page before you sign, and confirm the order if a signup offer shows a different free allotment.

FAQ

How much does Navan cost in 2026?

Navan Travel is free for companies of up to 300 employees, with no trip cap. Navan Expense is free for the first 5 monthly expensing users and then $15 per user per month. Enterprise publishes no list price. On our multiplication, 40 monthly expensing users on Business cost $6,300 a year for expense, with travel software still free.

Is Navan Travel free?

Yes, as software, for a company inside the employee cap. Navan says provider commissions fund the inventory, so the company does not pay a platform fee for booking flights, hotels, cars, or trains, and there is no trip limit. The fare itself is still a travel cost. The pricing page lists no per-trip booking fee on Business.

What counts as a Navan expensing user?

Anyone who submits a transaction into Navan Expense, by entering it or through Navan Connect. A linked corporate card transaction counts. The first allotment of monthly expensing users is free, and each user past that allotment is billed for the month. A person who does not submit in a given month is outside the definition Navan prints.

Does the Navan price change after a certain number of trips?

Not on Business. The pricing FAQ says a company of 300 or fewer employees can book unlimited trips without the travel price changing. The expense bill changes with how many people submit transactions that month, not with how many trips they took. Above the employee cap, the published rate no longer applies and you request a quote.

How much does Navan cost above 300 employees?

Navan does not publish a price. Enterprise is a quote. The plan card adds unlimited users, global coverage, a designated account executive, a customer success manager, custom implementation, corporate negotiated rates, and enterprise-grade support. Do not extend the Business per-user rate to that headcount.

Is Navan cheaper than SAP Concur, Brex, or Expensify?

It depends on the unit you pay in. At 40 submitters and one report each per month, Concur Base at its starting per-report rate is $3,360 a year and does not include Concur Travel, while Navan expense is $6,300 and includes travel software. Brex Essentials and Ramp Free are $0 per user and include booking, if you take their cards. Expensify Collect on 40 unique members is $2,400 a year. Two reports a person each month is roughly where Navan's bill drops below Concur Base at the starting rate.

This page is general information, not personalized financial advice. Confirm terms, card eligibility, and the final order with Navan before you sign.

Cite this: CFOpresso, "Navan Pricing 2026: Free Travel, the Expense Rate, and the Enterprise Quote", October 2026.

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