# Cledara review (2026): is it worth $75 a month?

> SaaS subscription management with virtual cards for finance teams

Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA.

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.

- **Category:** Spend & Bill Pay
- **Made by:** Cledara Limited (since 2018)
- **Website:** https://www.cledara.com
- **Runs on:** Web
- **Who should skip it:** Pricey if you are small: $75 a month covers up to 20 apps.
- **Facts last checked:** Nov 12, 2026

## Pricing

As of Nov 12, 2026, Cledara is a paid product, starting at $75 per month for up to 20 software applications.

- **Pricing model:** Paid
- **Free plan:** None.
- **Free trial:** None listed.

| Plan | Price | What you get |
| --- | --- | --- |
| Basic | $75 per 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 | $200 per 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 | $500 per month and up | A package built to order on top of Premium, adding bank-transfer expense payments and a dedicated implementation manager. |

Read from https://www.cledara.com/pricing on Nov 12, 2026. Prices change, so confirm with Cledara before buying.

## Ways to pay less

- **Save 16% with yearly billing** (Annual discount): The pricing page shows a Yearly toggle saving 16%: Basic costs $750 a year and Premium $2,000 a year instead of monthly billing. Source: https://www.cledara.com/pricing

## 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.

## Good for

- Finance teams that want one place to pay for and track software
- Companies with many small SaaS subscriptions and no clear owner for each
- Teams that need approvals before anyone buys a new tool

## 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.

## ToolGPA grades

**GPA: 1.6 out of 4**, graded Nov 12, 2026. 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.

- **Value for money: D.** $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.
- **Free plan and trial: F.** Nothing free: no free plan and no trial are on record for this listing.
- **Features: C.** Software directory, virtual cards, approvals and accounting sync. But it covers software spend only, and plans cap the number of apps.
- **Ease of use: C.** No store rating on record. Cards, approvals and accounting links need connecting.
- **Platforms and integrations: B.** Web only on the listing, with Xero, QuickBooks, NetSuite, Okta and HubSpot.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, 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.

- You could make: Expense tracking and reports: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Connections to other products, each kept working as those products change.
- You could not: AI features, unless you pay a model provider for each request yourself.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## Works with

Xero, QuickBooks, NetSuite, Okta, HubSpot

**Tags:** Company cards, Expense tracking, Workflow automation, AI features, Reports, Public API

## Alternatives

- [Vendr](https://toolgpa.com/tools/vendr): Software pricing data and negotiation service, now part of Vertice. [Compare](https://toolgpa.com/compare/cledara-vs-vendr)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/cledara-vs-ramp)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-cledara)
- [Zip](https://toolgpa.com/tools/zip): Purchase requests, approvals and invoice payment in one workflow. [Compare](https://toolgpa.com/compare/cledara-vs-zip)
- [Procurify](https://toolgpa.com/tools/procurify): Purchasing, payables and spend cards with approval workflows. [Compare](https://toolgpa.com/compare/cledara-vs-procurify)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 12, 2026:

- https://www.cledara.com/pricing
- https://www.cledara.com/about
- https://www.cledara.com/

Page: https://toolgpa.com/tools/cledara
Listed by ToolGPA (toolgpa.com).