Cledara review (2026): is it worth $75 a month?
SaaS subscription management with virtual cards for finance teams
Black Friday: is there a Cledara sale?
Cledara report card
Weak · out of 4.0 · graded Nov 12, 2026
Best for SaaS subscription management with virtual cards
Cledara tracks and pays for a company's software, with virtual cards, approvals and accounting sync. Basic is $75 a month for up to 20 apps, which is dear for this category, and it covers software spend only.
Who Cledara is for
- Fits if you want one place for software renewals and cards
- Works for finance teams that use Xero, QuickBooks or NetSuite
Who Cledara is not for
- Pricey if you are small: $75 a month covers up to 20 apps
- Tight if you have many apps, as Premium is capped at 75
- Not for you if you want travel or general expenses, as it covers software only
- Watch out: Cledara Agent jobs are $200 a month each, and some modules $150 a month
Why Cledara gets a 1.6
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- DValue for money$75 a month for up to 20 apps against a category middle of $12, and the dearest tenth starts at $60. Add-ons are extra, and a single user pays the same.
- FFree plan and trialNothing free: no free plan and no trial are on record for this listing.
- CFeaturesSoftware directory, virtual cards, approvals and accounting sync. But it covers software spend only, and plans cap the number of apps.
- CEase of useNo store rating on record. Cards, approvals and accounting links need connecting.
- BPlatforms and integrationsWeb only on the listing, with Xero, QuickBooks, NetSuite, Okta and HubSpot.
What these grades rest on. Graded from this listing, whose facts were read from Cledara Limited's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. Its pages showed pounds to our reader, so the dollar figures come from the page's own USD data. How we review and grade.
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<a href="https://toolgpa.com/tools/cledara#review"><img src="https://toolgpa.com/badge/cledara.svg" alt="Cledara: 1.6 GPA on ToolGPA" width="196" height="56"></a>Where Cledara stands among spend and bill pay tools
Cledara's GPA of 1.6 is higher than 2 of the 51 other spend and bill pay tools we grade, and level with 4.
It stands best on platforms and integrations (B, above 9 of 51) and worst on free plan and trial (F, above 0).
Its paid plans start at $75 a month, against a middle price of $12 for the category: 23 of the 24 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 13 tools score higher and cost less.
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Cledara’s own letter is outlined.
- DValue for moneyAbove 0 of 51, level with 2
- FFree plan and trialAbove 0 of 51, level with 28
- CFeaturesAbove 3 of 51, level with 36
- CEase of useAbove 0 of 51, level with 39
- BPlatforms and integrationsAbove 9 of 51, level with 41
Price against what you get
Each dot is one of 26 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep Cledara, or make your own?
Keep it
To replace Cledara you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 45 of the 51 other spend and bill pay tools grade higher. It costs $900 a year.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- Connections to other products, each kept working as those products change.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Cledara’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Cledara?
Cledara keeps one list of every software subscription a company pays for, with owner, cost, renewal date and card. It issues virtual cards for software payments, collects invoices, sets spend limits and approval workflows, and syncs to Xero, QuickBooks and NetSuite. Plans are priced by how many software applications you manage, and an AI agent that does admin inside each tool is sold as an add-on.
Worth knowing
- Plans are capped by application count: Basic at 20 software applications and Premium at 75.
- Add-ons are priced separately: Cledara Agent jobs are $200 a month each, and Spend Optimisation and IT Management are $150 a month each.
- Cledara covers software spend only; it is not a general expense or travel tool.
- The pricing page showed pounds to our reader; the dollar figures here match the page's own USD price data.
Key features
- Software directory
- Lists every SaaS and AI tool with its owner, users, cost, renewal date and the card used to pay for it.
- Virtual cards and payments
- Free virtual cards pay for software, with spend limits and budgets per tool, and a way to manage and cancel subscriptions.
- Purchasing and approvals
- Premium adds purchasing and approval workflows and automatic capture and matching of software invoices.
- Accounting sync
- Payments sync to Xero and QuickBooks on every plan, with the right account codes; NetSuite is on Premium.
- Cledara Agent
- An add-on that signs in to connected tools to collect invoices or manage joiners and leavers, with the user approving each change.
- Spend and IT modules
- Optional modules cover usage and seat insights, duplicate-tool and price-increase alerts, and IT access and security risks.
Cledara pricing
As of Nov 12, 2026, Cledara is a paid product, starting at $75 per month for up to 20 software applications.
- Starts at
- $75 per month for up to 20 software applications
- Free plan
- None
- Free trial
- None listed
| Plan | Price | What you get |
|---|---|---|
| Basic | $75per month for up to 20 software applications | Software directory, renewal alerts, spend limits and budgets, free virtual cards, unlimited API access, and Xero and QuickBooks sync. |
| Premium | $200per month for up to 75 software applications | Adds purchasing and approval workflows, invoice capture, advanced reporting, NetSuite, Okta single sign-on and 1% first-year cashback. |
| Pro | $500per month and up | A package built to order on top of Premium, adding bank-transfer expense payments and a dedicated implementation manager. |
Read from cledara.com on Nov 12, 2026. Prices change, so confirm with Cledara before you buy.
Ways to pay less
- Annual discountSave 16% with yearly billing
The pricing page shows a Yearly toggle saving 16%: Basic costs $750 a year and Premium $2,000 a year instead of monthly billing.
Stated on cledara.com
Works with
Cledara alternatives
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- Cledara vs Ramp
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- Cledara vs Brex
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- Cledara vs Zip
Paid
Common questions
Does Cledara have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. Cledara is listed for Web.
Does Cledara have an iPhone app?
No iPhone app was listed when its pages were read on Nov 12, 2026. Cledara is listed for Web.
Is Cledara open source?
Cledara is not described as open source on its own site, as read on Nov 12, 2026.
Does Cledara have an API?
Yes. Cledara offers a public API, according to its own site.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 12, 2026.