Expensify vs Navan
Quick verdict: Expensify is our overall pick for Expensify vs Navan.
Both sell the expense report rather than the card, at opposite ends of the price range: Expensify is $5 per member from day one, Navan is free below 300 employees and then $15 per expensing user.
| Tool | Rating | Pricing | Best for |
|---|---|---|---|
| Expensify Best overall Best for teams | 4.2/5 | $5/member/mo (Collect) | Expensify is the pay-as-you-go outlier of expense management: Collect is a flat $5 per uni… |
| Navan Best free | 4.0/5 | Free $15/user/mo after 5 free expensing users | Navan is free for companies of up to 300 employees: Navan Business costs nothing, Navan Ex… |
Bottom line: if travel is a real line item and you are under 300 employees, Navan at $0 beats a $5 tool. If travel is incidental, Expensify at $5 per member beats Navan at $15 from the sixth expensing user. Expensify Collect is $5 per unique member a month with no annual commitment. Navan Business is free for companies up to 300 employees with unlimited trips; Navan Expense is free for the first 5 expensing users then $15 per user per month. Navan for a travel-heavy company below 300 employees, because the free tier is funded by booking commissions rather than by a trial clock. Expensify for everyone else.
Pricing and details
Expensify · 4.2/5
Free 30-day trial of Collect · $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
Only Control Workspaces can hold an Annual subscription; Card usage can cut the included-member price by up to 50% ($18 to $9 per member/month on USD billing)
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.
Score breakdown
Pros
- The cheapest honest price in the cluster - $5 per unique member a month for the full expense product, with no annual lock-in on Collect
- No card requirement: Bring Your Own Card imports feeds from more than 10,000 banks and reimbursements work without an Expensify card
- Collect is pay-per-use only, so a team that shrinks does not keep paying for seats it stopped using
- Annual Control pricing can drop to $9 per included member a month at full Card-volume discount, the deepest published discount in the set
Cons
- Collect counts unique members while Control counts active members, so the two plans do not scale the same way and the effective price can rise at the exact moment a team grows
- No free plan at all - the entry point is a 30-day trial of Collect, and every vendor that publishes a $0 tier beats it on that alone
- The most capable product - approval chains, accounting connectors, the corporate card - lives on the Expensify Card path, which is where most of the revenue sits and therefore where the pricing is most involved
Pricing verified 2026-10-03
Navan · 4.0/5
Free plan available · $15/user/mo after 5 free expensing users
Travel itself is funded out of provider commission rather than charged; the expense side bills per expensing user, defined on the page as anyone who submits a transaction by manual entry or Navan Connect
No published annual rate
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.
Score breakdown
Pros
- The best free offer in the cluster: the whole platform at $0 for companies up to 300 employees, and the reason is structural - travel commissions pay for the software
- Travel booking is genuinely included at no cost rather than subsidised from a higher subscription, so frequent travellers cost nothing extra
- Free Expense for the first five expensing users, which covers a large share of small teams at zero cost
- Navan Connect automates transaction capture from bank feeds, which is where most expense platforms quietly fail
Cons
- Free is explicitly capped at 300 employees, and above that you are in a demo, not a checkout
- The $15 per expensing user step arrives at six people, so a twenty-person team pays $225 a month for the expense side alone
- No annual rate published and no card-led spend program to speak of - this is travel-and-expense, not spend management
Pricing verified 2026-10-03
Frequently asked questions
Which is better overall, Expensify or Navan?
Expensify is our overall pick (4.2/5 vs 4.0/5). Both sell the expense report rather than the card, at opposite ends of the price range: Expensify is $5 per member from day one, Navan is free below 300 employees and then $15 per expensing user.
Do Expensify and Navan offer free plans?
Navan has a free tier. Expensify paid plans start at $5/member/mo (Collect); Navan paid plans start at $15/user/mo after 5 free expensing users.
What does Expensify cost?
$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. Prices were last verified on 2026-10-03.