Expensify

Expensify is expense and spend management software covering expense reports, corporate cards, travel booking, reimbursements, bill pay, invoicing, and chat. SmartScan extracts receipt details, codes expenses, matches card transactions when available, and flags prohibited purchases at the line-item level. Expensify Travel supports policy-controlled bookings for flights, hotels, cars, and rail. Customers can import card feeds from more than 10,000 banks without adopting the Expensify Card. Listed integrations span accounting, ERP, HR, payroll, travel, banking, and consumer apps, including QuickBooks, NetSuite, Xero, Sage Intacct, Workday, and Gusto; a self-service API is free. The free Submit plan includes receipt scanning, mileage tracking, expense reports, and personal card import. Collect is listed at $5 per unique member, per month for customers whose first workspace was created on or after April 1, 2025. Expensify states that it is PCI-DSS Level 1, SOC 1 Type II, and SOC 2 Type II compliant. It also clarifies that it is not an accounting ledger, tax filing service, bank, or credit issuer.

Expensify groups expense management with travel, reimbursements, and bill workflows, while allowing customers to import card feeds. Readers should note that it is not a ledger or tax filing service, and that Collect's listed rate is limited by workspace eligibility.

Expensify serves individuals and companies of every size, with most of its revenue coming from small and medium-sized businesses. It may suit teams managing expenses, travel, reimbursements, or bills in one system.

Expensify is spend-management software that brings expense reporting, reimbursements, travel, and bill workflows together. It suits individuals and businesses, especially small and midsize companies seeking connected expense processes without being required to use Expensify’s card. Its breadth is useful, but it is not a substitute for an accounting ledger or tax filing service.

Overview

Expense management is the center of Expensify, with travel booking, corporate cards, reimbursements, bill pay, invoicing, and chat alongside it. Customers can import card feeds from more than 10,000 banks, so choosing the Expensify Card is optional. That flexibility helps businesses keep existing card relationships while bringing expenses into a shared workflow. Expensify says most of its revenue comes from small and medium-sized businesses, though it serves individuals and companies of every size.

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 routine data entry and give reviewers a more precise place to focus, though flagged items still need a review process. Expense reports, mileage tracking, per diem support, categories and tags, and custom distance and tax rates cover common reimbursement needs; chat on each expense keeps discussion tied to the item.

Expensify Travel combines booking and policy controls for flights, hotels, cars, and rail. Its integrations span accounting, ERP, HR, payroll, travel, banking, and consumer apps, with QuickBooks, NetSuite, Xero, Sage Intacct, Workday, and Gusto among the named options. A free self-service API offers another way to connect systems.

Expensify says it holds PCI-DSS Level 1, SOC 1 Type II, and SOC 2 Type II compliance, with external grey-box testing. It uses HTTPS and TLS for web connections and says it encrypts data in transit between browsers and servers and within its server network. Concierge AI handles initial support screening, answering some questions from help documentation and escalating others to human responders and Success Coaches.

Pricing

Expensify has a free plan, paid plans from $5 per month, and a 30-day trial. The free Submit plan costs nothing and 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 substantial starting point for individuals or teams that can work within a free setup; the paid plans add workspace billing and card-related choices.

Collect costs $5 a month, billed at $5 per unique member per month, for every unique member added to a workspace. It is available only to customers whose first workspace was created on or after April 1, 2025, so eligibility is a material restriction despite its lower price.

Control has three pricing options. The annual plan with Expensify Card costs $9 a month, billed at $9 per member per month, and requires the card to account for at least 50% of total settled spend for the month to receive the discounted rate. The annual plan without the card costs $18 a month, billed at $18 per member per month, with a 12-month commitment; members above the subscription size are billed at the pay-per-use rate. The pay-per-use option costs $36 a month, billed at $36 per active member for each month they are active. The card-linked annual plan favors businesses prepared to route much of their spend through Expensify; the no-card annual option costs less than pay-per-use but commits the buyer for a year. Pay-per-use avoids that stated annual commitment but has the highest listed per-member rate.

Platforms

Expensify is available on Android, iOS, macOS, web, and Windows. Mobile support on both Android and iOS makes it an option for employees who need to capture receipts away from a desktop.

Who it's for

Expensify is a good fit for businesses that want receipt capture, card-feed imports, reimbursement workflows, and travel booking connected in one product, as well as individuals who can use the free plan. It is less suitable for organizations seeking a ledger, tax filing service, bank, or credit issuer: Expensify explicitly does not serve those roles.

Pros and cons

• Pro: SmartScan combines receipt extraction with coding, transaction matching when available, and line-item flags, supporting a more targeted expense review.
• Pro: Imports from more than 10,000 banks let companies connect card feeds without adopting the Expensify Card.
• Pro: Travel booking and policy controls cover flights, hotels, cars, and rail alongside expense and reimbursement workflows.
• Con: Collect’s $5 per-member rate is restricted by when a customer created its first workspace.
• Con: The discounted Control annual rate depends on routing at least half of monthly settled spend through the Expensify Card, while the no-card annual plan carries a 12-month commitment.
• Con: Expensify does not replace accounting ledger or tax filing software.

Alternatives

For a different expense-management option, consider Zoho Expense, which also has a free plan and trial and supports Android, iOS, API, and web. For restaurant-focused operations, Craftable is another option. Businesses comparing expense-reimbursement tools can also consider ExpenseOnDemand, a paid service with a listed Essential rate of $6.87 a month under an annual contract, or Pleo, a paid option whose Start plan is £8 a month with monthly billing.

For accounts payable workflows, BILL Accounts Payable is a paid alternative with a trial and an Essentials plan at $49 a month, billed monthly. Restaurant operators can also consider EYP Ops, whose Core plan is $179 a month with a 12-month commitment and one restaurant branch. Rillion offers paid plans with unlimited users, approvers, and entities. For restaurant invoice and bill workflows, MarginEdge costs $350 a month per location and includes unlimited invoices processed and U.S. bills paid.

Readers comparing restaurant-focused products can browse Restaurant Expense Management Software; those focused on reimbursements can see Expense Reimbursement Software, while mileage needs are covered by Mileage Tracking Software.

Verdict

Expensify is a strong choice for individuals and especially small or midsize businesses that want expense reporting, reimbursement, travel, and bill workflows together while retaining the option to import existing card feeds. Choose it for that connected spend-management scope and flexible card approach. Look elsewhere if you need an accounting ledger or tax filing service, or if Collect eligibility and Control’s card-spend or annual-commitment terms do not fit your organization.