Expensify vs SAP Concur (2026): which should you pick?
As of Nov 12, 2026, Expensify grades higher than SAP Concur: 2.8 against 2.0 out of 4.0.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 2026 by ToolGPA
Expensify grades higher on the free plan, ease of use and platforms. They get the same grade on value for money and features.
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
SAP Concur
Expense, travel and invoice management for all company sizes
Which one is for you
Pick Expensify if
- Fits if your team mostly needs receipts scanned and money paid back
- Works for an employee whose company has no expense tool yet
Look elsewhere if
- Pricey if you add people who rarely spend, as Collect bills every member
- Skip it if you want the $9 Control rate without moving spend onto the Expensify Card
- Tight if you use NetSuite, Sage Intacct, QuickBooks Desktop or Workday, as they connect only on Control
- Pricey if you won't commit to a year, as Control is then $36 a member a month
- Watch out: the 30-day trial starts when you create a workspace, and card cash back counts US purchases only
Pick SAP Concur if
- Fits if you are a large company with travel and international expense claims
- Works for finance teams that want compliance checks built in
Look elsewhere if
- Pricey if you file many reports, as the $7 and $11 are per report and only starting prices
- Not for you if you want to try it free, as there is no free plan or trial
- Watch out: Premium and Travel need a quote
- Watch out: the mobile app is free to download but needs an active subscription
How we grade them
| 2.8GPAExpensifyGood | 2.0GPASAP ConcurFair | |
|---|---|---|
| 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. | CBase starts at $7 per report and Plus at $11, with the rate falling as your commitment rises. Pricing by report is not directly per seat, so we leave it at the middle of the category's $7.50, $12 and $20. |
| 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. | FThe pricing page has no free plan or trial. |
| 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. | BExpense reports, travel booking, invoice management, compliance checks, global tax and currency, and a mobile app. The listing shows no gap in the core expense work. |
| 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. | CNo store rating on record. Policies, approvals and an accounting integration to set up. |
| 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 plus iPhone and Android apps, with six integrations on record. |
| Best for | receipt scanning and staff reimbursements | global expense reports and travel at big companies |
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 SAP Concur. 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. SAP Concur starts at $7 a month and scores 2.7.
Expensify scores higher and starts $2 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 SAP Concur 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 also covers invoicing and company cards.
- SAP Concur also covers workflow automation and reports.
At a glance
| Expensify | SAP Concur | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | $5 per member / month, billed monthly | $7 per report, varying with monthly commitment |
| Free plan | Submit, free for any employee: unlimited receipt scans, mileage tracking, expense reports, categories and tags, personal card import and chat on expenses. | None |
| 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. | SAP Concur |
| Price read from | expensify.com | concur.com |
| Checked | Oct 18, 2026 | Nov 12, 2026 |
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.
SAP Concur
- Pricing is per expense report, and the page says the rate falls as the contract commitment grows.
- The $7 and $11 figures are starting prices; Premium and Travel require a quote.
- There is no free plan or free trial on the pricing page.
- The mobile app is free to download but needs an active subscription.
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.
SAP Concur
- Expense reports
- Automatic receipt capture and report generation, with spending policies that can be applied and updated centrally.
- Travel booking
- Concur Travel works with any travel management company or GDS and includes an AI assistant trained on company policy.
- Invoice management
- Concur Invoice covers PO matching, approval routing and duplicate-payment prevention.
- Compliance checks
- Real-time out-of-policy flagging before submission and configurable approval hierarchies by spend and organization.
- Global tax and currency
- VAT reclaim, real-time exchange rates at entry and multiple currencies within one organization.
- Mobile app
- A free app for iPhone and Android, which needs an active SAP Concur subscription to use.
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.
SAP Concur
Base$7
per report; varies with monthly commitment
Starting price for smaller businesses with basic expense reporting. Unlimited users and Concur Expense.
Plus$11
per report; varies with monthly commitment
Starting price. Adds ExpenseIt, User Support Desk and reporting. Unlimited users.
PremiumCustom
Custom quote. Adds Concur Travel, Intelligence and more to the Plus features. Unlimited users.
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.
SAP Concur
No public discounts listed.
Common questions
Which is cheaper, Expensify or SAP Concur?
As of Nov 12, 2026, Expensify starts at $5 per member / month, billed monthly, and SAP Concur starts at $7 per report, varying with monthly commitment. One is priced for each person and the other is not, so which costs less depends on how many of you use it.
Which has a free plan, Expensify or SAP Concur?
As of Nov 12, 2026, only Expensify has a free plan. SAP Concur does not.
Which platforms do Expensify and SAP Concur run on?
As of Nov 12, 2026, only Expensify lists a macOS app and a browser extension. Both list a web app and iOS and Android apps. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.