Best Free Expense Management Tools in 2026

AI-powered spend and expense management with the BILL Divvy Card built in

4.5/5 across G2 and Capterra · 2,542 ratings, Sep 2026

BILL Spend & Expense pairs the BILL Divvy Card with AI-powered spend management, giving businesses instant visibility, automated controls, and a faster close. Get physical and virtual cards, real-time budgets, and receipt capture that requires little to no manual entry.

All-in-one platform for corporate travel and expense management.

4.7/5 across G2 and Capterra · 9,510 ratings, Sep 2026

Navan is a comprehensive platform designed to streamline business travel and expense management for companies of all sizes. It offers an integrated solution for booking travel, managing corporate cards, processing expenses, and ensuring policy compliance. The platform empowers employees to book their own travel within set spending limits, while providing finance teams with real-time visibility and control over expenditures. Navan caters to various roles within an organization, including road warriors who need to book and manage trips easily, travel managers who set policies and ensure duty of care, finance and accounting professionals who require automated expense categorization and reconciliation, and executive assistants who book travel for executives. By centralizing travel and expense processes, Navan aims to boost productivity, optimize savings through AI-powered insights, and eliminate the need for traditional expense reports.

Corporate cards and expense management

4.8/5 across G2 and Capterra · 2,727 ratings, Sep 2026

Ramp provides corporate cards with spend management. Expense tracking and controls built into cards-corporate spending that manages itself. The automation saves time. The controls prevent issues. The reporting is automatic. Companies wanting automated expense management use Ramp for intelligent corporate spend.

Streamline business travel and expense management with an all-in-one platform and expert support.

4.5/5 on Trustpilot · 7,528 ratings, Sep 2026

GetGoing is a comprehensive cloud-based platform designed to simplify and automate corporate travel and expense management. It provides a single solution for booking business trips, managing expenses, enforcing T&E policies, and ensuring traveler safety. The platform caters to finance teams looking to cut costs, HR and office managers aiming to empower employees with flexible travel options, and employees seeking quick and easy booking and expense claims. This solution integrates travel booking with policy automation, expense tracking, and payment processing, offering real-time insights through powerful dashboards. It is backed by a team of T&E experts and customer success managers, providing support before, during, and after trips. As part of the BCD Travel solutions suite, GetGoing leverages global buying power to offer competitive travel options and a focus on sustainability.

Cloud financial management for growing businesses and mid-market companies.

4.3/5 on G2 · 4,086 ratings, Mar 2026

Sage Intacct is a cloud-based financial management and accounting software designed for small to mid-sized businesses and larger enterprises. It offers a comprehensive suite of tools to automate core financial processes, provide real-time visibility into financial performance, and improve operational efficiency. The platform is particularly strong in its multi-dimensional general ledger, which allows for detailed analysis and reporting without complex workarounds. Intacct caters to a variety of industries, including software and SaaS, professional services, non-profits, and healthcare, by providing industry-specific functionalities. Its modular design allows businesses to scale their financial operations as they grow, integrating with other business systems through its open API. Key benefits include enhanced financial reporting, streamlined workflows, and improved decision-making through actionable insights.

Business travel, events and spend management platform (formerly TravelPerk)

4.6/5 across G2 and Capterra · 2,550 ratings, Sep 2026

Perk is an AI-powered platform designed to streamline business travel, event planning, expense management, and invoice processing. It aims to eliminate "shadow work", the time-consuming administrative tasks associated with business operations, by centralizing these functions into a single, intelligent system. The platform caters to global teams, offering extensive inventory for flights, stays, trains, and cars, along with tools for managing trip changes and policy adherence. Perk is ideal for companies looking to gain better control over their business travel and spending. It automates receipt matching, categorizes expenses, and flags policy breaches using AI, significantly reducing manual effort. Beyond travel, it facilitates event planning with custom landing pages and budget tracking, and intelligently manages invoices from matching to approval. By consolidating these critical business functions, Perk helps organizations save time, control costs, and improve operational efficiency, allowing teams to focus on their core work.

Transform business spending into success with smart company cards and automated expense management.

4.7/5 on G2 · 1,435 ratings, Sep 2026

Pleo is an expense management platform that centralizes and automates business spending for financial efficiency and effortless month-end closings. It provides smart company cards (physical, temporary, virtual, and dedicated) that allow employees to make necessary purchases while automating invoice management, reimbursements, and accounting for finance teams. The platform offers comprehensive control over expenses with features like individual spending limits, multi-level approval processes, and budgets. It also provides automated analyses of spending behavior to help businesses make data-driven decisions and identify savings potential. Pleo integrates with popular accounting tools like DATEV, Xero, and Lexoffice, making it suitable for businesses of all sizes looking to streamline their financial operations and gain better visibility into their expenditures.

Smarter online business banking solutions for small businesses and self-employed entrepreneurs.

4.0/5 across G2 and Trustpilot · 4,812 ratings, Sep 2026

Novo offers a flexible and forward-thinking online business banking platform designed to help small businesses, freelancers, and self-employed individuals manage their finances efficiently. It provides a free checking account with features like easy invoicing, intuitive budgeting, real-time insights, and hassle-free funding options. The platform aims to simplify financial operations by allowing users to create custom, branded invoices with automatic reminders, set up automatic allocations for payroll and taxes, and categorize expenses with AI-powered spreadsheets. Novo also emphasizes seamless integration with popular business tools such as QuickBooks, Stripe, Gusto, and Square, consolidating financial management in one place. Novo is built to support business growth by providing access to flexible funding, educational resources, and a community of like-minded business owners. It prioritizes security with FDIC insurance for deposits up to $250,000, bank-level encryption, and real-time fraud alerts, ensuring that users' financial data is safe.

Unify global T&E spend with AI-driven control and real-time visibility.

4.7/5 across G2 and Capterra · 1,084 ratings, Sep 2026

Mesh Payments is a comprehensive global travel and expense management solution designed to provide real-time visibility and control over corporate spending. It unifies corporate cards, expense management, and travel management across global entities, allowing businesses to manage thousands of transactions, currencies, and reimbursements through an intelligent system. The platform is built for global companies, automating compliance, consolidating reporting, and eliminating friction across borders, including multi-book support for global reporting and robust tax automation. It integrates with existing financial stacks, making them smarter with AI-powered capabilities for tasks like receipt-to-transaction matching, automated global tax coding, and risk spotting. Mesh aims to streamline financial operations, reduce costs, and provide a seamless experience for employees while ensuring compliance.

Unified platform for project management, resource scheduling, time tracking, expenses, and invoicing.

4.6/5 across G2 and Capterra · 859 ratings, Sep 2026

Avaza is an all-in-one unified work management software designed to help teams collaborate on projects, schedule resources, track time and expenses, and manage invoicing. It aims to streamline operations by consolidating various business functions into a single platform, eliminating the need for multiple disparate applications and spreadsheets. The platform is suitable for businesses of all sizes, from small teams to larger organizations, across various industries. It provides tools for task management, team communication via chat, visual resource scheduling, and comprehensive financial management including quoting, invoicing, and online payments. Key benefits include increased productivity, better project oversight, accurate time and expense tracking, and simplified client billing.

Integrated accounting for small businesses in the Zoho ecosystem

4.4/5 across G2 and Capterra · 1,009 ratings, Sep 2026

Zoho Books handles accounting for small businesses. Online bookkeeping from Zoho-accounting that integrates with Zoho ecosystem. The Zoho integration adds value. The features cover basics. The pricing is accessible. Small businesses in Zoho ecosystem use Zoho Books for integrated accounting.

Modern corporate card and spend management platform with AI-powered automation.

4.6/5 on G2 · 503 ratings, Sep 2026

Pluto is a comprehensive spend management platform designed to help businesses control all types of company spending, from corporate card purchases and petty cash to large procurement and invoice payments. It offers corporate cards with cashback, robust expense management tools, and advanced AP automation. The platform is particularly beneficial for finance teams looking to streamline operations, gain real-time visibility into expenditures, and reduce manual tasks. Pluto caters to a wide range of businesses, including SMEs, large group holdings, retail, e-commerce, F&B, tech companies, and logistics. It aims to transform finance from a reactive function into a strategic lever by providing automated workflows, policy enforcement, and detailed tracking from request to reconciliation. The platform's AI capabilities automate bookkeeping, spend analytics, and receipt matching, saving finance teams significant time each month.

Corporate cards and spend management for startups

3.6/5 across G2, Capterra and Trustpilot · 2,343 ratings, Sep 2026

Brex provides corporate cards and spend management designed for startups and tech companies. No personal guarantee required. Rewards earn on categories startups actually spend on. Controls prevent expense policy violations. The software handles expense management, bill pay, and travel booking. Real-time visibility shows where money goes. Integrations connect to accounting systems. Startups tired of traditional corporate cards with personal liability choose Brex for modern financial tools built for how they operate.

The SaaS management platform for comprehensive spend and risk control.

4.6/5 across G2 and Capterra · 261 ratings, Sep 2026

Cledara is a SaaS management platform designed to give businesses complete visibility and control over their software spend. It helps organizations manage the entire lifecycle of their software subscriptions, from discovery and purchase to renewal and cancellation. By providing payments built specifically for software, Cledara eliminates unexpected charges, mitigates risks associated with lost cards, and simplifies the cancellation process. The platform is particularly beneficial for finance teams, offering tools to streamline purchases, automate bookkeeping, and optimize renewals. It helps identify wasteful spending by spotting underused, duplicate, or similar tools, ensuring that every software investment delivers maximum value. Cledara integrates with accounting systems like QuickBooks, Xero, and NetSuite, automating invoice capture and reconciliation, thereby freeing up finance professionals from manual administrative tasks. It supports businesses in 32 countries with cards available in USD, EUR, and GBP, making it a global solution for managing software ecosystems.

Business banking for startups. Open an account online in minutes

4.6/5 across G2 and Capterra · 182 ratings, Sep 2026

Mercury is a banking service built for startups. Open an FDIC-insured business bank account online in minutes. No monthly fees, no minimum balance, and no hidden charges. Features include virtual cards, automated bookkeeping integrations, and team access. Treasury products help earn yield on your balance. Trusted by tens of thousands of startups. Banking that actually understands what startups need.