Overview

Expensify is expense and spend management software for individuals and businesses, with expense reporting, reimbursements, travel booking and related spending tools. It suits teams that want to connect receipt review and employee expenses with card feeds and business systems; the free Submit plan also gives individuals a way to manage expenses without a paid subscription.

Its breadth is useful, but it is not an accounting ledger, tax filing service, bank or credit issuer. Choose it to organize spending workflows, not to replace core accounting or financial services.

Key features

SmartScan extracts receipt details, codes expenses, matches card transactions when available and flags prohibited purchases at the line-item level. That can reduce manual entry while directing reviewers to specific items that need attention. Expense reports, mileage tracking, per diem support, categories and tags, and custom distance and tax rates cover common reimbursement tasks; chat on each expense keeps discussion attached to the item.

Expensify Travel combines booking with policy controls for flights, hotels, cars and rail. Teams can import card feeds from more than 10,000 banks rather than adopt the Expensify Card. That flexibility matters for companies with established card arrangements, although the discounted Control rate has a substantial card-use condition. Integrations span accounting, ERP, HR, payroll, travel, banking and consumer apps, including QuickBooks, NetSuite, Xero, Sage Intacct, Workday and Gusto. A free self-service API offers another route to connecting systems.

Expensify says it is PCI-DSS Level 1, SOC 1 Type II and SOC 2 Type II compliant, with external grey-box testing. It uses HTTPS and TLS for web connections and encrypts data in transit between browsers and servers and within its server network. Its support starts with Concierge AI, which handles many questions using help documentation and escalates others to human responders and Success Coaches.

Pricing

Submit costs 0.00 USD per free, billed free for all members. It includes receipt scanning, mileage tracking, expense reports, categories and tags, custom distance and tax rates, personal card import, chat on every expense, and AI and human support. It is a practical starting point for individuals or teams that need core expense submissions, but it does not provide the paid workspace pricing structure of the other plans.

Collect is 5.00 USD per month, billed at $5 per unique member per month for every unique member added to a workspace. It is available to customers whose first workspace was created on or after April 1, 2025. For eligible newer workspaces, its per-member price is the lowest paid option; the charge follows members added, so workspace growth affects cost.

Control offers three billing choices. The annual plan with Expensify Card is 9.00 USD per month, billed at $9 per member per month, but the discounted rate requires at least 50% of total settled monthly spend to run through that card. The annual plan without the card is 18.00 USD per month, billed at $18 per member per month, with a 12-month commitment; members included in the subscription size are billed, as are active members above that size at the pay-per-use rate. The pay-per-use option is 36.00 USD per month, billed at $36 per active member per month, with active members charged for the month. It avoids the stated annual commitment, but costs more per active member than either annual rate. Expensify also offers a 30-day trial.

Platforms

Expensify is available on Android, iOS, macOS, web and Windows. Its mobile apps suit employees submitting expenses away from a desk, while web and desktop access accommodate office-based review and administration.

Who it's for

Expensify serves individuals and companies of every size, with most revenue coming from small and medium-sized businesses. It is a strong fit for organizations seeking expense capture, reimbursements and travel policy workflows in one product, especially when integrations or importing existing card feeds matter. Businesses that need an accounting ledger or tax filing service will need those separately.

Pros and cons

Broad expense workflow: Receipt scanning, expense reports, mileage, per diem and expense-level chat support connected review and reimbursement work.
Card choice: Imports from more than 10,000 banks mean use of the Expensify Card is not required for card feeds.
Useful connections: Named accounting and business integrations plus a free self-service API give teams options for linking other systems.
Card-linked discount condition: The $9 per-member annual Control rate requires at least half of monthly settled spend on the Expensify Card, which may not suit teams committed to other cards.
Different billing exposure by plan: Collect charges for each unique member added, while Control without the card includes a 12-month commitment and can bill active members above the subscription size.
Defined scope: It manages spending workflows but does not replace an accounting ledger, tax filing service, bank or credit issuer.

Alternatives

Consider Ramp AP if a free-plan option aimed at smaller teams simplifying finances is the better fit. Brex offers a free Essentials plan at $0 user/month for up to two entities, including one global entity, and one local card program; choose it when those entity and card-program limits match your needs. Moss has a free plan for up to three users, with unlimited cards, up to 20 invoices monthly, customizable approval and verification steps, and a debit-only Moss wallet; it may suit very small teams prioritizing those limits.

Zoho Expense is another freemium expense option with a free plan and trial. Navan Expense offers a free plan across web, iOS and Android. Odoo Expenses has a free One App plan for unlimited users, while its Standard and Custom plans have no published price. Workday Expenses is a paid alternative for readers considering another expense product. Cegid Retail is a paid option with demo-request pricing rather than a free plan. For a broader shortlist, see Expense Reimbursement Software, Mileage Tracking Software and Restaurant Expense Management Software.

Verdict

Expensify is a good choice for individuals and especially small or midsize businesses that want receipt capture, expense workflows and travel controls connected to existing cards and business systems. Submit makes it approachable for basic expense reporting, while paid Control plans add clear per-member choices. Look elsewhere if your team cannot meet the card-spend condition for the discounted annual rate, needs different billing economics, or expects an accounting ledger or tax service in the same product.

	Expensify	Navan Expense
Free plan	Yes	No
Free trial	Yes	No
Paid from	$5/mo	$15/mo
Open source	No	No
Platforms	Android, iOS, macOS, Web, Windows	Android, iOS, Web
Free plan	Yes	Yes
Mobile platforms	both	both
Paid from	—	15 /user/mo

Expensify vs Navan Expense

Expensify

Navan Expense