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 0.00 USD per free 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 5.00 USD per 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 9.00 USD per 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 18.00 USD per 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 36.00 USD per 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 USD per month under an annual contract, or Pleo, a paid option whose Start plan is 8.00 GBP per month with monthly billing.

For accounts payable workflows, BILL Accounts Payable is a paid alternative with a trial and an Essentials plan at 49.00 USD per month, billed monthly. Restaurant operators can also consider EYP Ops, whose Core plan is 179.00 USD per 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 350.00 USD per 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.

	Expensify	xtraCHEF
Free plan	Yes	No
Free trial	Yes	No
Paid from	$5/mo	—
Open source	No	No
Platforms	Android, iOS, macOS, Web, Windows	Android, iOS, Web
Free plan	Yes	—
Paid from	5 /mo	—
Receipt capture	Yes	—
Multi-location support	—	Yes

Expensify vs xtraCHEF

Expensify

xtraCHEF