Expensify vs Zoho Expense Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Expensify pricing | Zoho Expense pricing | |
|---|---|---|
| Starts at | $5/mo | $4/mo |
| Number of plans | 2 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | per-seat | per-seat |
Price is one row. To weigh the features too, use our feature comparison template →
Collect
Popular- Receipt scanning
- Reimbursements
- Corporate card management
- Expense and travel approvals
- Travel booking and rules
- QuickBooks/Xero integrations
- Chat on expenses, reports, and rooms
- AI and human support
- Unlimited SmartScans
- Distance tracking
- Expense approvals
- Third-party card feeds and reconciliation
- Expense categories and tags
- ACH reimbursement
- QuickBooks Online and Xero
- Delegated access
- In-product reporting
- NetSuite, Sage Intacct, and QuickBooks Desktop
- Certinia, Workday, Gusto and Zenefits
- Multiple expense approvers
- SAML/SSO
- Admin-enforced controls
- Custom insights and reporting
- Budgeting
- Unlimited cards
- Smart Limits
- Up to 2% cash back*
- Virtual cards
- Save up to 50% on Expensify
- Unlimited travel bookings
- Flights, hotels, cars, and rail
- Customizable travel rules
- Unlimited group policies
- Integrated with expense rules
- Trip approvals
- 24/7 travel support line
- Travel reporting
- 24/7 realtime chat with humans
- AI-driven alerts
- Account executive
- Account manager
- Quarterly business reviews
- Expense and report-level commenting
- Customized chat rooms
- Employee DMs
- Detailed audit history
- Invoice/bill scanning
- Digital address for processing
- Automated payments
- Invoice chat rooms for collaboration
Control
- Multiple approval flows
- Custom expense rules
- ERP integration (NetSuite, Sage Intacct)
- HR integrations with Workday/Certinia
- SAML/SSO
- Custom insights and reporting
- Budgeting
- Unlimited SmartScans
- Distance tracking
- Expense approvals
- Third-party card feeds and reconciliation
- Expense categories and tags
- ACH reimbursement
- QuickBooks Online and Xero
- Delegated access
- In-product reporting
- NetSuite, Sage Intacct, and QuickBooks Desktop
- Certinia, Workday, Gusto and Zenefits
- Multiple expense approvers
- Admin-enforced controls
- Unlimited cards
- Smart Limits
- Up to 2% cash back*
- Virtual cards
- Save up to 50% on Expensify
- Unlimited travel bookings
- Flights, hotels, cars, and rail
- Customizable travel rules
- Unlimited group policies
- Integrated with expense rules
- Trip approvals
- 24/7 travel support line
- Travel reporting
- 24/7 realtime chat with humans
- AI-driven alerts
- Account executive
- Account manager
- Quarterly business reviews
- Expense and report-level commenting
- Customized chat rooms
- Employee DMs
- Detailed audit history
- Invoice/bill scanning
- Digital address for processing
- Automated payments
- Invoice chat rooms for collaboration
Free
- Maximum users: 3
- Receipt capture with AI-powered OCR
- Zoho Prepaid Mastercard® (NEW)
- Expense reports
- Expense tracking via personal cards
- Mileage expenses via GPS
- Accounting integrations
- Global tax compliance
- Multi factor authentication
- Multi-currency expenses
- Customer /project tracking
- Basic audit trail
- 5 GB receipt storage
- Email Support
- Zoho Expense MCP
Standard
- Itemised Receipt capture with AI-powered OCR in 38+ languages
- Corporate card management
- Real-time card feeds for Visa & Mastercard
- Multiple expense policies
- Attendee expense management (NEW)
- Custom user roles
- Expense access delegation
- Cash advance management
- ACH Payments
- Direct bank reimbursements
- Integration with WhatsApp, Slack (NEW)
- Email & call support
- Single sign-on (SSO)
- ERP and HRMS integrations (Add-on)
- Expense Intelligence with Zia AI (NEW)
- Agentic AI expense reporting and Approval
- Ask Zia AI bot
- AI insights dashboard
- AI powered expense Audit- Fraud and Alcohol detection
Premium
Popular- Employee Self-booking with OBT (NEW)
- Access to global inventory (Hotels, flights)
- Guest Booking (NEW)
- Inbuilt travel desk management tool
- GSA compliant automated per diem management
- Auto mileage capture with live tracking
- Live budget tracking
- Advanced approval management and policy customization
- Advanced customization
- Multi-entity/country expense management
- Duty of care
- Visa management automation
- Carbon emission tracking
Expensify vs Zoho Expense FAQ
- Which one is cheaper?
- Zoho Expense is the cheaper option, starting at $4/mo vs $5/mo for Expensify.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Both use a per-seat model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Expensify: At $5-9 per active user, they're undercutting Concur and Certinia significantly while sitting in the same ballpark as Ramp and Brex — but those are card-first products. Expensify is going after mid-market finance teams that want a dedicated expense tool without enterprise pricing. Zoho Expense: At $4-6/seat, Zoho Expense undercuts most of the expense management category — Expensify, Rydoo, and SAP Concur all run notably higher per-user. They're clearly going after cost-sensitive SMBs and Zoho-ecosystem users rather than trying to win enterprise deals on features alone.
Still deciding? See the best Expensify alternatives or the best Zoho Expense alternatives, ranked with verified pricing.
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