Pluto vs SAP Concur: Which Should You Choose in 2026?
Choosing between Pluto 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 22, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Pluto
Modern corporate card and spend management platform with AI-powered automation.
Best for you if:
- • You want to try before committing
- • Provides corporate cards with cashback and comprehensive spend management.
- • Automates expense, procurement, and AP processes with AI.
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)
- • Integrates travel, expense, and invoice management on one platform.
- • Automates expense reporting, travel booking, and AP processes.
| At a Glance |  Pluto |  SAP Concur |
|---|---|---|
Price | Free + Paid | Paid |
Best For | Accounting | Accounting |
Rating | —/100 | 87/100 |
| Feature | Pluto | 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 | AccountingInvoicing | AccountingInvoicing |
How Pluto and SAP Concur Compare
Pluto
Modern corporate card and spend management platform 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
Who Should Use What?
On a budget?
Pluto has a free tier. SAP Concur is paid only.
Go with: Pluto
Want the highest-rated option?
SAP Concur scores 87/100. Pluto 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?
Pluto is freemium. SAP Concur is paid. Pluto lets you start free.
What's your use case?
Both are accounting tools. Compare their specific features to decide.
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
Pluto
- Has a free tier
The Bottom Line
SAP Concur (87/100) is our pick. Pluto has a free tier if you want to test without paying.
Frequently Asked Questions
Is Pluto or SAP Concur better?
SAP Concur scores 87/100 in our evaluation. Pluto is freemium and SAP Concur is paid.
What are Pluto and SAP Concur used for?
Pluto: Modern corporate card and spend management platform with AI-powered automation.. SAP Concur: Streamline spend management for travel, expense, and invoice on a single platform..
What does Pluto cost vs SAP Concur?
Pluto is freemium (free tier + paid plans). SAP Concur is a paid tool. Visit their websites for detailed pricing.