Expensify vs Navan
We give Expensify and Navan the same GPA: 2.8 out of 4.0. Expensify grades higher on features and platforms. Navan grades higher on the free plan and ease of use. They get the same grade on value for money.
Price, platforms and features side by side. The table says where each price was read and when.
Expensify
Receipt scanning, expense reports and company cards, from $5 a member
Navan
Business travel booking with expenses and corporate cards built in
How we grade them
| 2.8GPAExpensifyGood | 2.8GPANavanGood | |
|---|---|---|
| Value for money | CGraded against its expense-tool alternatives. Ten people on Collect cost $50 a month, $5 each billed monthly for every member, active or not. Zoho Expense costs less for ten and Ramp and Brex nothing, while Navan and Rydoo cost more. | CGraded against its expense-tool alternatives. If all ten people claim in a month, the 5 beyond the free 5 cost $15 each, so $75 a month, with travel booking free. That's dearer than Expensify or Zoho Expense for ten, and Ramp and Brex do expenses for nothing. |
| Free plan and trial | CSubmit is free for any employee, with unlimited receipt scans, mileage and reports. But reimbursing, approving and syncing need a paid plan, and the 30-day trial starts when you create a workspace. | BNavan Business is free for up to 300 employees, with travel booking, policies and 24/7 travel agents, plus expenses for 5 users a month. A small team could live on it until a sixth person claims. |
| Features | BThe whole job: SmartScan receipts, approvals and ACH reimbursement, unlimited Expensify Cards, travel booking, supplier bills paid from a scanned inbox, invoices and a chat thread on every expense. | CTravel and expenses are done fully: booking, policies, Navan cards, linked cards, receipt photos and reimbursements. It's a narrower job than the category's, though, with no supplier bill pay or invoicing listed. |
| Ease of use | B4.6 from 157,712 App Store ratings. Snap a receipt and it's an expense, but admins have a workspace, rules and accounting links to set up. | A4.8 from 47,373 App Store ratings, the top band. Booking a trip and snapping the receipt happen in the same app. |
| Platforms and integrations | AWeb, Mac, iPhone, Android and a browser extension, with QuickBooks, Xero, NetSuite, Sage Intacct, Workday, Gusto and Uber, and an API. NetSuite and Sage Intacct need Control. | BWeb, iPhone and Android, with NetSuite, Sage Intacct, Xero, Workday, Rippling, BambooHR, Okta and Slack. No desktop app is listed. |
| Best for | receipt scanning and staff reimbursements | business travel with the expenses that follow |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Expensify and Navan. How we grade
Price against what you get
Expensify starts at $5 a month for each person and scores 3.3 out of 4 on features, ease of use and platforms. Navan starts at $15 a month for each person and scores 3.0.
Expensify scores higher and starts $10 a month lower. Of the other spend and bill pay tools on the chart, none scores higher than Expensify for less, and 2 score higher than Navan for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Expensify starts at $5 per member / month, billed monthly. Navan starts at $15 per expensing user / month, after the first 5 users free.
- Only Expensify lists a macOS app.
- Only Expensify lists a browser extension.
- Expensify also covers invoicing and bill pay.
- Navan also covers reports.
At a glance
| Expensify | Navan | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | $5 per member / month, billed monthly | $15 per expensing user / month, after the first 5 users free |
| Free plan | Submit, free for any employee: unlimited receipt scans, mileage tracking, expense reports, categories and tags, personal card import and chat on expenses. | Navan Business, for companies of up to 300 employees: travel booking with no trip limit, policies and 24/7 travel agents, plus expenses free for the first 5 expensing users a month. |
| Free trial | 30-day free trial of the paid plans, starting when a workspace is created | None listed |
| Web | ||
| macOS | ||
| iOS | ||
| Android | ||
| Browser extension | ||
| Made by | Expensify, Inc. | Navan |
| Price read from | expensify.com | navan.com |
| Checked | Oct 18, 2026 | Oct 18, 2026 |
Who each one suits
Expensify
- Small teams that need receipts scanned and staff reimbursed
- Employees whose company has no expense tool yet
- Companies ready to put most card spending on the Expensify Card
Navan
- Companies whose expenses are mostly business travel
- Businesses under 300 employees that want free travel booking
- Finance teams that want card spending coded and matched to trips
Worth knowing
Expensify
- Control's $9 rate needs an annual plan and the Expensify Card for at least half of settled spend; otherwise it is $18 on an annual plan or $36 with no commitment.
- Collect bills every member added to a workspace, active or not; Control bills anyone who creates, submits, approves, reimburses or exports a report that month.
- NetSuite, Sage Intacct, QuickBooks Desktop and Workday connect only on Control; Collect syncs with QuickBooks Online and Xero.
- The Expensify Card is issued by The Bancorp Bank in the US, and cash back counts US purchases only.
Navan
- Navan Business is free because travel suppliers pay Navan commission; companies with more than 300 employees need Enterprise, priced by quote.
- Anyone who submits an expense in a month counts as an expensing user, and each one after the first 5 costs $15 a month.
- Navan cards are issued by Celtic Bank in the US and by Stripe, Adyen and Airwallex companies elsewhere.
- Linked American Express cards report transactions once a day; Visa and Mastercard cards report them in real time.
Key features
Expensify
- SmartScan receipts
- Photograph or forward a receipt and Expensify reads it into an expense, with unlimited scans on every plan including the free one.
- Approvals and reimbursement
- Reports go to an approver and are paid back by ACH. Control adds multiple approvers, custom expense rules and admin-enforced controls.
- Expensify Card
- Unlimited cards, virtual ones included, with Smart Limits, paying 1% cash back on US purchases and 2% once monthly spend passes $250,000.
- Travel booking
- Book flights, hotels, cars and rail inside Expensify, with travel rules, trip approvals and a 24/7 support line.
- Bills and invoices
- Supplier bills are scanned from a dedicated email address and paid automatically, and invoices can be sent from the same account.
- Chat on every expense
- Each expense and report has its own comment thread, alongside chat rooms and direct messages between employees.
Navan
- Travel booking
- Flights, hotels, car rentals and trains from one inventory, with travel policies, approval workflows, self-serve changes and 24/7 support agents.
- Expense policies
- Employees see their spending limits in the app, and out-of-policy transactions are flagged for review as they happen.
- Navan corporate cards
- Physical and virtual cards in US dollars, pounds or euros, with no annual fee, up to 1.5% back and virtual cards for subscriptions.
- Navan Connect
- Link existing Visa, Mastercard or American Express corporate cards so their transactions flow into Navan for coding and reconciling.
- Reimbursements
- Out-of-pocket costs are claimed by photographing the receipt in the app and repaid through payroll or to a bank account.
- Integrations
- Expenses sync to ERPs such as NetSuite, Sage Intacct and Xero, and employee data comes from HR systems such as Workday, Rippling and BambooHR.
Plans
Expensify
Submit$0
For individual employees: receipt scanning, mileage, expense reports and submitting them to an approver.
Collect$5
per member / month, billed monthly
Billed for every member, active or not. Reimbursements, card feeds, approvals, travel booking and QuickBooks Online or Xero sync.
Control$9
per active member / month, annual plan using the Expensify Card
$18 on an annual plan without the card, $36 with no commitment. Adds NetSuite and Sage Intacct, multi-step approvals, SSO and budgets.
Navan
Navan Business$0
For up to 300 employees: unlimited trips, policies and approvals, 24/7 travel support, reports, 30+ HR integrations, and expenses for 5 users.
Navan Expense$15
per expensing user / month beyond the first 5, term not stated
Expense reports, reimbursements, receipt scanning, linked corporate cards and ERP sync for each user who submits an expense that month.
Navan EnterpriseCustom
Unlimited travelers and expensing users, global coverage, negotiated rates, custom setup, an account executive and a success manager.
Ways to pay less
Expensify
- Annual discount
Half price on Control with an annual subscription
Control costs $18 per active member a month on an annual subscription, against $36 on pay-per-use with no commitment.
- Other savings
Control at $9 when you use the Expensify Card
On an annual subscription, Control drops to $9 per active member a month when the Expensify Card carries at least 50% of settled US spend that month.
Navan
No public discounts listed.
