Best Expense Management Software 2026
Quick Take
Corporate cards, receipt scanning, expense reports, and spend controls compared. The expense management market has evolved from 'take a photo of your receipt' to full spend management platforms.
Our Top Picks at a Glance
| # | Tool | Best For | Starting Price | Score |
|---|---|---|---|---|
| 1 | Ramp | Overall best (free) | $Custom/mo | 7.7/10 |
| 2 | Brex | Startups & growth companies | $Custom/mo | 7.3/10 |
| 3 | Expensify | Enterprise expense reports | $5/mo | 7.0/10 |
| 4 | Bill.com | AP/AR automation | $45/mo | 6.4/10 |
1. Ramp | Overall best (free)
Corporate card + expense management that's genuinely free for the base tier. Ramp's value prop is saving you money. automated receipt matching, spend controls, and vendor price benchmarking. The corporate card has no fees and 1.5% cashback. Ramp Plus ($15/user/mo) adds procurement and advanced controls.
Our take: Free corporate card + expense management with 1.5% cashback. The vendor benchmarking alone can save more than competitors charge.
Ramp Pricing
| Plan | Monthly | Annual |
|---|---|---|
| Enterprise | Custom | — |
| Ramp | $0 | — |
| Ramp Plus | $15 | — |
2. Brex | Startups & growth companies
Corporate card and spend management for startups and growth-stage companies. Brex started as a startup-friendly corporate card and evolved into a full spend platform. Essentials is free, Premium is $12/user/mo. Strong integrations with accounting software and good rewards program.
Our take: Free Essentials tier with corporate cards and expense management. Better rewards than Ramp for travel-heavy teams.
Brex Pricing
| Plan | Monthly | Annual |
|---|---|---|
| Enterprise | Custom | — |
| Essentials | $0 | — |
| Premium | $12 | — |
3. Expensify | Enterprise expense reports
The OG of expense management. SmartScan receipt capture, automatic expense reports, and corporate card program. Expensify has been doing expense management since 2008 and it shows. the product is mature and widely adopted. Pricing is per-user and can get expensive at scale.
Our take: The most mature expense management platform. SmartScan is reliable, approval workflows are deep. $5-$9/user/mo.
Expensify Pricing
| Plan | Monthly | Annual |
|---|---|---|
| Collect | $5 | — |
| Control | $9 | — |
4. Bill.com | AP/AR automation
AP/AR automation for mid-market businesses. Bill.com automates invoice processing, approvals, and payments. It's not a full accounting system. it integrates with QBO, Xero, NetSuite, and Sage. The per-user pricing adds up fast, but the time savings on accounts payable are real.
Our take: Not traditional expense management — Bill.com automates accounts payable. Worth the $45-$79/user/mo for high-volume AP teams.
Bill.com Pricing
| Plan | Monthly | Annual |
|---|---|---|
| Essentials | $45 | — |
| Team | $55 | — |
| Corporate | $79 | — |
How We Ranked These Tools
Evaluated on receipt capture accuracy, automation, spend controls, accounting integrations, and total cost of ownership. Free tiers heavily weighted.
Read our full scoring methodology for details.