Expense and spend tools split into two families that do not compete on the same axis. Expensify and Navan sell you the expense report and price it per person ($5 per unique member; free below 300 employees). Brex, Ramp and Airwallex sell you the card and the money movement, and price per user with the transaction economics either published line by line (Airwallex) or quoted case by case (Brex, Ramp). We compare all five on what the free tier really covers, where the fee that is not the seat fee actually appears, and what you give up when you pick one family over the other.
5 Expense & Spend Management tools are tracked in this index. 4 of them ship a free plan (Brex, Ramp, Airwallex, Navan). and 1 offers a trial instead (Expensify). The lowest published entry price in the category is $5/member/mo (Collect) (Expensify). Across the 5 scored Expense & Spend Management entries, the index average is 4.2/5, led by Ramp at 4.4/5. Most common tags on this page: Corporate cards (2 tools), Per-user pricing (2 tools), Bill pay (1 tool), Commission-funded (1 tool). Pricing figures behind these entries were last checked between 2026-10-03; every tool page carries its own check date.
Browse every head-to-head in the Expense & Spend Management comparison hub →
The full set of Expense & Spend Management entries, with the plan shape each vendor actually publishes:
Every price point above is copied from the vendor's own pricing page and carries the date it was checked on the individual tool page — we do not fill gaps from third-party roundups. Where a figure could not be verified against an official source, the tool page says so instead of guessing.
Expensify is the pay-as-you-go outlier of expense management: Collect is a flat $5 per unique member a month, and Control annual starts at $18 per member included, dropping to $9 with Expensify Card volume discounts.
Brex runs a two-step public price list: Essentials is $0 per user per month and Premium is $12 per user per month, with the card, the expense tooling and the credit line all sitting on top of that seat fee.
Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user per month - and adds a platform fee on top, with a published 20% discount for annual billing.
Airwallex is the multi-currency account layer that also does spend: Explore is $0 per user per month, Grow is $12 per user per month plus a platform fee, and Accelerate is custom - with up to 10 free Spend users.
Navan is free for companies of up to 300 employees: Navan Business costs nothing, Navan Expense is free for the first five expensing users and then $15 per user per month, and Navan Enterprise is sales-only.
When you compare Expense & Spend Management tools, the fields that decide the outcome are the ones this index actually stores: whether a free plan exists and what it limits, the published entry price and how it bills (per seat, per month, per workspace), what the trial covers, which of the six index dimensions the tool scores on, when each figure was last checked against the official page, and which alternatives sit in the same category. Each tool page prints those fields with its own verification date, the Expense & Spend Management comparison pages put two products side by side on the same fields, and the list pages rank the category against the rest of the index — so you can move from a shortlist to a decision without opening a vendor's sales page.
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5 tools are tracked here, 4 of them with a free plan, and paid entry pricing starts at $5/member/mo (Collect) (Expensify). Expense and spend tools split into two families that do not compete on the same axis. Expensify and Navan sell you the expense report and price it per person ($5 per unique member; free below 300 employees). Brex, Ramp and Airwallex sell you the card and the money movement, and price per user with the transaction economics either published line by line (Airwallex) or quoted case by case (Brex, Ramp). We compare all five on what the free tier really covers, where the fee that is not the seat fee actually appears, and what you give up when you pick one family over the other
Brex, Ramp, Airwallex, Navan list a free plan in this index; Brex paid plans start at $12/user/mo (Premium).
Expensify has the lowest published entry price on this page at $5/member/mo (Collect) (Charged per unique member on Collect and per active member on Control, so employees who never submit an expense still count on Control; orgs whose first workspace predates 2025-04-01 stay on legacy Collect pricing). Expensify does not list a free plan.
Every price point above is copied from the vendor's own pricing page and carries the date it was checked on the individual tool page — we do not fill gaps from third-party roundups. Where a figure could not be verified against an official source, the tool page says so instead of guessing.
Ramp leads this category at 4.4/5 — Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user per month - and adds a platform fee on top, with a published 20% discount for annual billing. The category average across 5 scored entries is 4.2/5.