Navan vs SAP Concur 2026: Which Is Better for Finance Teams?

Navan is the better buy for a finance team under 300 people that also books travel, because its free tier covers travel and receipts. SAP Concur is cheaper for expense alone at low report volume: 100 travelers filing one report a month cost $8,400 a year on Concur Base, against $17,100 for Navan expense. Both figures use October 2026 list prices.

Prices below were checked on each vendor's own pricing page on October 10, 2026: Navan pricing and SAP Concur pricing. Toolradar data: Toolradar, the software directory we run, evaluated 19 corporate travel tools as of October 10, 2026, in its corporate travel ranking. The product pages are Navan and SAP Concur.

At a glance

The two products bill differently, and that difference decides most of the cost comparison. Navan charges for each person who submits an expense. Concur charges for each report. Every cost question below starts from that split.

Cost at 100 travelers

Take a 100-person company where every traveler is an active expense user. Navan counts an active expense user as anyone who submits a transaction, and Navan Business gives the first 5 of them free. That leaves 95 billed users. The bill is 95 x $15 = $1,425 a month, or $17,100 a year. The bill does not change with the number of reports those users file, because Navan charges per person and not per report.

Concur's bill moves with report volume. The table uses Concur's starting prices, before any discount for a larger monthly commitment.

Four things follow from the arithmetic. Per billed seat, Concur Base costs less than Navan's per-user rate when each traveler files fewer than about 2.1 reports a month (15 divided by 7), and Plus breaks even at about 1.4 (15 divided by 11). Navan's five free users pull the company-level break-even a little lower, to about 2.0 reports at 100 travelers. At four reports a month, Navan costs about half of Concur Base for the same people. Concur's price falls with a larger commitment, so a company with a big contract can move that break-even point, and the committed price is the number to ask for before you decide.

Travel sits outside that table. Navan's FAQ says Business is free because travel providers pay Navan a commission, so the company pays nothing to book. Concur Travel appears only on Premium, which has no list price, so the travel side of a Concur contract cannot be costed from public information. The corporate travel management software ranking covers the wider field if you want to see other travel platforms priced side by side.

A 40-person team breaks even at about 1.9 reports

Company size moves the break-even only slightly. Navan's five free users matter more at a small headcount, so the break-even falls to about 1.9 reports. Take 40 travelers, each filing one report a month. That is 480 reports a year, and at $7 each on Concur Base the bill is $3,360 a year. Navan bills 35 users, the 40 less the first 5 free, so its bill is 35 x $15 x 12 = $6,300 a year. At this size Concur Base is cheaper for expense alone.

Now double the reports. Two reports a month each means 960 reports a year, and Concur Base rises to $6,720. Navan stays at $6,300, so it is now the cheaper expense option. The 40-person break-even sits just under two reports a month. The gap grows with every report a traveler adds, because Concur's bill grows with them and Navan's does not. A small team that files often pays more on Concur, while a small team that files rarely pays more on Navan.

Who wins each dimension

Navan wins five of the nine rows. That count is why it is the default for a company under 300 people that books travel. Two of the three rows that favor Concur, ERP connectors and global tax, matter most to a finance team with an ERP and a tax problem. The third, expense at one report a month, favors Concur only at low report volume. Read the table as a shortlist filter, not a score. A team that needs ERP connectors and multi-country tax rules should rank Concur first even though it loses on travel. If the ledger is NetSuite, the NetSuite review covers that system. For QuickBooks, the QuickBooks Online review covers the ledger side.

Where each one falls short

Navan's weak points are scale and back-office depth. The free Business tier covers companies up to 300 employees, and larger companies move to a custom Enterprise quote. Its per-user price also rises with every active expense user. At one report a month per traveler, Navan expense costs about twice Concur Base, so a company with many light report-filers pays for a travel product it may not use. Navan Business does not list the back-office capabilities that appear on Enterprise, so a controller who needs them should price the Enterprise quote before signing.

Concur's weak points are the entry tier and travel. Base has no receipt capture. ExpenseIt is listed on Plus and Premium, so a team that needs receipts has to move up from Base to Plus. Travel is quote only, because Concur Travel appears only on Premium and the page shows no price for it. Per-report billing also grows with volume. A team that files four reports a month per traveler pays nearly twice Navan's flat bill at that volume. The SAP Concur alternatives list shows what a team gives up when it moves off Concur for a per-user tool.

Who should pick which

• Pick Navan if the company is under 300 people, books travel, and wants receipts and 24/7 travel support on a free tier. It also wins on expense once travelers file more than about two reports a month each.
• Pick SAP Concur Base if the spend is expense only, reports per person stay under about two, and travel booking does not need to sit in the same product.
• Pick SAP Concur Plus or Premium if the company needs ERP connectors, multi-country tax rules, or the Concur Travel module, and a quote is acceptable for Premium.
• Pick neither if travel is not part of the spend. The comparison above is the wrong one for a company that only reimburses expenses. Start with the best expense management software ranking, then compare Expensify, Ramp and the wider spend management platforms.

How we compared

We read Navan's pricing page and SAP Concur's pricing page on October 10, 2026. Every price on this page comes from those two pages, from Navan's FAQ on the same page, or from our own arithmetic. The 100-traveler and 40-traveler tables are our arithmetic on list prices. They are not quotes, and they assume every traveler is an active expense user filing the number of reports shown in each row. We did not test either product, so the verdict rests on the vendors' published terms. The travel ranking count is Toolradar's live figure from the same date. For the single-product detail, read the Navan review and the SAP Concur review.

Cite this: CFOpresso, "Navan vs SAP Concur 2026: Which Is Better for Finance Teams?", October 2026.

FAQ

Is Navan cheaper than SAP Concur?

For a company under 300 people that books travel, yes. Navan Business is free for travel and charges per active expense user after the first 5. On expense alone, the answer depends on report volume. At one report per traveler a month, 100 travelers cost less on SAP Concur Base than on Navan expense, and at four reports a month the order reverses. The table above shows both cases.

How much does SAP Concur cost per user?

SAP Concur does not charge per user. Its Base tier starts at $7 per report, and Plus starts at $11 per report, both with unlimited users, according to Concur's pricing page checked on October 10, 2026. Premium, the only tier with Concur Travel, is custom priced. The starting price is a floor for large contracts, because the price varies with monthly commitment.

Does Navan have a free plan?

Yes. Navan Business is free for companies up to 300 employees. Travel bookings carry no fee, and the number of trips is not capped for companies that size. Expense management is free for the first 5 monthly expensing users. After that it costs $15 per user a month, and a user counts only in a month when they submit a transaction.

Which one has better ERP integrations?

It depends on your ledger. SAP Concur cites hundreds of ecosystem partners for ERP, HR, tax and card-program integrations. Navan syncs from 30 or more HRIS systems and pushes coded transactions into ERP and accounting tools, but its pricing page does not name the ERPs. Check your ledger on the vendor's integration list before you sign with either.

When does SAP Concur beat Navan?

SAP Concur is the better choice when the company needs global tax and compliance rules across several countries, ERP connectors, or the Concur Travel module inside a Premium contract. It is also the cheaper expense option when travelers file fewer than about two reports a month each. Navan is the better choice for a team under 300 people that wants travel and expense in one free tier.

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