Penny Software vs SAP Concur: Which Should You Choose in 2026?
Choosing between Penny Software and SAP Concur comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Penny Software
Streamline procurement and spend management with AI-powered automation.
Best for you if:
- • You want to try before committing
- • You need invoicing features specifically
- • AI-powered procurement and spend management platform.
- • Automates the entire purchasing workflow from requisition to payment.
SAP Concur
Streamline spend management for travel, expense, and invoice on a single platform.
Best for you if:
- • You want the higher-rated option (8.7/10 vs 0.0/10)
- • You need accounting features specifically
- • Integrates travel, expense, and invoice management on one platform.
- • Automates expense reporting, travel booking, and AP processes.
| At a Glance |  Penny Software |  SAP Concur |
|---|---|---|
Price | Free + Paid | Paid |
Best For | Invoicing | Accounting |
Rating | —/100 | 87/100 |
| Feature | Penny Software | SAP Concur |
|---|---|---|
| Pricing Model | Freemium | Paid |
| Editorial Score | — | 87 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | InvoicingExpense Management | AccountingInvoicing |
How Penny Software and SAP Concur Compare
Penny Software
Streamline procurement and spend management with AI-powered automation.
Free tier available
SAP Concur
Streamline spend management for travel, expense, and invoice on a single platform.
Paid · 87/100 score
Penny Software is a invoicing tool. SAP Concur is in accounting.
Who Should Use What?
On a budget?
Penny Software has a free tier. SAP Concur is paid only.
Go with: Penny Software
Want the highest-rated option?
SAP Concur scores 87/100. Penny Software is unrated.
Go with: SAP Concur
Value user reviews?
Neither has user reviews yet.
Go with: SAP Concur
3 Questions to Help You Decide
What's your budget?
Penny Software is freemium. SAP Concur is paid. Penny Software lets you start free.
What's your use case?
Penny Software is a invoicing tool. SAP Concur is in accounting. Pick the category that matches your needs.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
SAP Concur
- Higher score: 87/100 vs unrated
- Our pick for this comparison
Penny Software
- Has a free tier
- Better fit for invoicing
The Bottom Line
SAP Concur (87/100) is our pick. Penny Software has a free tier if you want to test without paying.
Frequently Asked Questions
Is Penny Software or SAP Concur better?
SAP Concur scores 87/100 in our evaluation. Penny Software is freemium and SAP Concur is paid.
What are Penny Software and SAP Concur used for?
Penny Software: Streamline procurement and spend management with AI-powered automation.. SAP Concur: Streamline spend management for travel, expense, and invoice on a single platform..
What does Penny Software cost vs SAP Concur?
Penny Software is freemium (free tier + paid plans). SAP Concur is a paid tool. Visit their websites for detailed pricing.