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Expensify alternatives in 2026

Capture a receipt, route it for approval, and see what the team is spending without logging into a separate app. Compare the options below by their fit, pricing and tradeoffs, then check which Expensify features New Expensify covers before switching.

Side by side

Expensify alternatives compared

ToolTypeBest forPricingTradeoff
New Expensify on Borg App Hub Open source Capture a receipt, route it for approval, and see what the team is spending without logging into a separate app. No per-seat cost; pay for AI + compute Runs inside your Borg workspace.
Ramp SaaS Startups that want expense management bundled with corporate cards Free core plan; paid tiers for larger teams Best value when the team also moves its card program to Ramp
Brex SaaS VC-backed startups needing high card limits without a personal guarantee Essentials free; Premium $12/user/month.

Checked 2026-10-07. Vendor source

 A card-first platform; less useful without switching cards
Zoho Expense SaaS Small teams already using other Zoho apps Free up to 3 users; Standard/Premium $3–5/user/month billed annually or $4–6 billed monthly (US pricing).

Checked 2026-10-07. Vendor source

 Deepest value inside the Zoho ecosystem, less so as a standalone tool
SAP Concur SaaS Large organizations with formal travel programs Custom, contact sales Built for scale and travel compliance, heavier to set up than most teams need
Fyle SaaS Teams wanting real-time corporate card feed reconciliation Growth $11.99/active user/month billed annually, minimum 5 users; Business $14.99, minimum 10 users.

Checked 2026-10-07. Vendor source

 Strong card integrations, smaller integration ecosystem than Expensify
Airbase SaaS Finance teams wanting spend management plus accounts payable in one tool Custom, contact sales Built for mid-market finance ops, not a quick self-serve signup

The push

Why teams leave Expensify

  • Per-member and subscription pricing still bills for occasional users

  • The advertised Control price assumes the Expensify Card; skip the card and the price can double

  • Expensify raised its top-tier price sharply in February 2026, then partly rolled it back in June 2026

  • ERP integrations like NetSuite and Sage Intacct sit behind the most expensive plan

Before switching

Check the coverage you need

Review the feature details for New Expensify before moving your workflow from Expensify.

  • Receipt capture

    Partly covered

    Upload and storage work; automatic merchant/amount reading relies on a self-hosted OCR step rather than a built-in scanning service.

  • Approval workflows

    Planned

    The App repo is a client for Expensify's hosted backend; there's no evidence Borg supplies an independent backend, so approval routing doesn't work without that hosted service.

  • Corporate card management

    Planned

    Card issuing and transaction feeds depend on a card program this app doesn't include.

  • Reimbursement (ACH)

    Planned

    Moving real money needs a banking or ACH processor you connect yourself.

  • Accounting sync

    Planned

    QuickBooks/Xero connector code exists, but it runs against Expensify's hosted backend; your own API credentials don't substitute for that backend.

  • Spend reporting

    Partly covered

    Reporting views exist in the client, but the data they show comes from Expensify's hosted backend, not an independent Borg-run service.

See the full feature coverage for New Expensify.

Borg App Hub

New Expensify, without the seat tax

Capture a receipt, route it for approval, and see what the team is spending without logging into a separate app. The Borg App Hub runs New Expensify with no per-seat cost and no usage caps. You pay only for the AI and compute you use, inside a workspace you control.

Start free See New Expensify on Borg

Early access for Search Atlas Mastermind and Enterprise.

Questions

Expensify alternatives, answered

What does Expensify cost for a small team?

The Collect plan is $5 per unique member a month, so a 10-person team pays about $600 a year before adding a card program.

Why do people look for an Expensify alternative?

The most common reasons are per-user pricing that still bills for occasional users, card-tied discounts, and ERP integrations locked behind the top plan.

Is there a free way to track expenses?

Expensify's free plan covers individual use, but it has no team approval routing or accounting sync, which is usually why a team upgrades.

Is New Expensify open source?

Yes, the client is MIT-licensed on GitHub, but it's a client built to talk to Expensify's own hosted backend; there's no evidence a Borg deployment supplies an independent backend for approvals, sync, or reporting.

Does the self-hosted version issue corporate cards?

No. Card issuing and reimbursement payouts are financial services this app doesn't include; you'd need your own bank or ACH provider.

Can I still sync expenses to QuickBooks or Xero?

The connector code exists in the repo, but it runs against Expensify's hosted backend, so your own API credentials alone don't give you a working independent sync.

Ready to look closer? See New Expensify on the Borg App Hub.

Expensify pricing checked 2026-10-07. Pricing source · Vendor billing details