Spendesk vs Carta: Which Should You Choose in 2026?
Choosing between Spendesk and Carta 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:
Spendesk
Centralized spend management for businesses, offering control, efficiency, and real-time insights.
Best for you if:
- • You need expense management features specifically
- • Centralizes spend management, procurement, and payments on one platform.
- • Offers smart corporate cards, automated invoice processing, and real-time budget tracking.
Carta
Equity management and cap table software
Best for you if:
- • You want the higher-rated option (8.8/10 vs 8.7/10)
- • You need financial planning features specifically
- • Carta is a platform for managing equity, cap tables, and valuations for startups
- • It handles 409A valuations, equity grants, and liquidity events
| At a Glance |  Spendesk |  Carta |
|---|---|---|
Price | Paid | Paid |
Best For | Expense Management | Financial Planning |
Rating | 87/100 | 88/100 |
| Feature | Spendesk | Carta |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | 87 | 88 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Expense ManagementFinancial Planning | Financial PlanningCompliance Management |
How Spendesk and Carta Compare
Spendesk
Centralized spend management for businesses, offering control, efficiency, and real-time insights.
Paid · 87/100 score
Carta
Equity management and cap table software
Paid · 88/100 score
Spendesk is a expense management tool. Carta is in financial planning.
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: Carta
Want the highest-rated option?
Spendesk: 87/100. Carta: 88/100.
Go with: Carta
Value user reviews?
Neither has user reviews yet.
Go with: Carta
3 Questions to Help You Decide
What's your budget?
Both are paid. Pricing won't help you decide here.
What's your use case?
Spendesk is a expense management tool. Carta is in financial planning. Pick the category that matches your needs.
How important are ratings?
Carta scores higher: 88/100 vs 87/100.
Key Takeaways
Carta
- Higher score: 88/100 vs 87
- Our pick for this comparison
Spendesk
- Better fit for expense management
The Bottom Line
Carta (88/100) is our pick.
Frequently Asked Questions
Is Spendesk or Carta better?
Carta scores 88/100 in our evaluation. Both are paid.
What are Spendesk and Carta used for?
Spendesk: Centralized spend management for businesses, offering control, efficiency, and real-time insights.. Carta: Equity management and cap table software.
What does Spendesk cost vs Carta?
Spendesk is a paid tool. Carta is a paid tool. Visit their websites for detailed pricing.