Expensify vs Ramp
Quick verdict: Expensify is our overall pick for Expensify vs Ramp.
Expensify is a $5 per member expense tool that works with any bank; Ramp is a $15 per user spend console where the cards, the bill pay and the controls are the product.
| Tool | Rating | Pricing | Best for |
|---|---|---|---|
| Expensify Best overall Best free | 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… |
| Ramp Best for teams | 4.4/5 | Free $15/user/mo (Plus) plus platform fee | Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user … |
Bottom line: Ramp if you need the controls and can accept an unpublished fee line. Expensify if you want receipt capture, reimbursements and accounting sync at a fixed known cost. Do not buy Ramp for its expense reporter. Expensify Collect is $5 per unique member a month, pay-per-use only. Ramp Free is $0 and Plus is $15 per user per month plus a team-size platform fee. Expensify, three times over on published price: it is cheaper per user, it has no platform fee, and Collect is the only pay-per-use tier in the set.
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
Ramp · 4.4/5
Free plan available · $15/user/mo (Plus) plus platform fee
Per-user subscription plus a company-size platform fee; card interchange and any revenue-based rewards are separate from the subscription line
20% discount when billed annually, as published on the Ramp pricing page
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.
Score breakdown
Pros
- The most complete product in the set: cards, bill pay, expense management, reimbursements and accounting integrations in one console
- A real $0 Free tier plus a published 20% discount for annual billing - the only vendor here that states its annual discount as a percentage
- Plus adds controls that are usually sold as enterprise features - custom approval policies, card freeze rules, budget tracking
- The interface is the easiest in the cluster to hand to employees who will not read a training manual
Cons
- The platform fee is described as being based on company size rather than published as a number, so the total bill cannot be forecast from the page alone
- Plus at $15/user/month is $3 more per user than Brex Premium, before the platform fee
- No credit product of Brex's kind, so if cash flow is the problem you are solving, this is the wrong tool
Pricing verified 2026-10-03
Frequently asked questions
Which is better overall, Expensify or Ramp?
Expensify is our overall pick (4.2/5 vs 4.4/5). Expensify is a $5 per member expense tool that works with any bank; Ramp is a $15 per user spend console where the cards, the bill pay and the controls are the product.
Do Expensify and Ramp offer free plans?
Ramp has a free tier. Expensify paid plans start at $5/member/mo (Collect); Ramp paid plans start at $15/user/mo (Plus) plus platform fee.
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.