# Expensify

> Receipt scanning, expense reports and company cards, from $5 a member

Expensify scans receipts, builds expense reports, routes them for approval and reimburses employees, with travel booking, bill pay and the Expensify Card in the same app. A chat thread sits on every expense and report. Employees can use the Submit plan free; companies pay per member on Collect, or per active member on Control, which is cheapest when most spending runs through the Expensify Card.

- **Category:** Spend & Bill Pay
- **Made by:** Expensify, Inc. (since 2008)
- **Website:** https://www.expensify.com
- **Runs on:** Web, iOS, Android, macOS, Browser extension
- **Facts last checked:** Oct 18, 2026

## Pricing

Expensify has a free plan. Paid plans start at $5 per member / month, billed monthly.

- **Pricing model:** Free plan
- **Free plan:** Submit, free for any employee: unlimited receipt scans, mileage tracking, expense reports, categories and tags, personal card import and chat on expenses.
- **Free trial:** 30-day free trial of the paid plans, starting when a workspace is created.

| Plan | Price | What you get |
| --- | --- | --- |
| 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. |

Read from https://www.expensify.com/pricing on Oct 18, 2026. Prices change, so confirm with Expensify before buying.

## Ways to pay less

- **Half price on Control with an annual subscription** (Annual discount): Control costs $18 per active member a month on an annual subscription, against $36 on pay-per-use with no commitment. Source: https://help.expensify.com/articles/expensify-classic/expensify-billing/Billing-Overview
- **Control at $9 when you use the Expensify Card** (Other savings): 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. Source: https://help.expensify.com/articles/expensify-classic/expensify-billing/Billing-Overview

## Key features

- **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.

## Good for

- 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

## Worth knowing

- 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.

## ToolGPA grades

**GPA: 2.8 out of 4**, graded Oct 18, 2026. Expensify reads receipts you photograph or forward, builds them into reports, routes them for approval and pays employees back, with its own card, travel booking and bill pay alongside. Any employee can use the free Submit plan. Companies pay per member, though, and the cheapest Control rate only applies when the Expensify Card carries half your spend.

- **Value for money: C.** Graded 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.
- **Free plan and trial: C.** Submit 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.
- **Features: B.** The 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.
- **Ease of use: B.** 4.6 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.
- **Platforms and integrations: A.** Web, 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.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Expensify's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.

## Where it stands among spend and bill pay tools

- Expensify's GPA of 2.8 is higher than 5 of the 13 other spend and bill pay tools we grade, and level with 3.
- It stands best on platforms and integrations (A, above 13 of 13) and worst on value for money (C, above 1).
- Its paid plans start at $5 a month for each person, against a middle price of $12 for the category: 1 of the 11 others that charge start lower.
- On features, ease of use and platforms it scores 3.3 out of 4, and no tool on the category's chart scores higher without costing more.

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

## Keep it, or make your own?

**Keep it.** To replace Expensify you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. It costs $60 a year.

- You could make: Expense tracking and invoicing: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Money moved between bank accounts, which takes a licensed payments partner.
- You could not: Apps for macOS, iOS and Android that stay in step with each other.
- You could not: It is priced for each person, which means accounts and billing for a team.
- You could not: It plugs into other products, QuickBooks Online, QuickBooks Desktop and Xero among them, and has an API.
- You could not: AI features, unless you pay a model provider for each request yourself.
- You could not: The depth: we grade its features B, which means it covers the whole job.

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

## What people say

- **App Store rating of the iPhone and iPad app:** 4.6 out of 5 from 157,712 ratings in the United States, read Oct 18, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id471713959

## Works with

QuickBooks Online, QuickBooks Desktop, Xero, NetSuite, Sage Intacct, Workday, Gusto, Uber

**Tags:** Expense tracking, Company cards, Bill pay, Invoicing, AI features, Public API

## Alternatives

- [Zoho Expense](https://toolgpa.com/tools/zoho-expense): Expense reports, receipt scanning and travel booking from Zoho. [Compare](https://toolgpa.com/compare/expensify-vs-zoho-expense)
- [Rydoo](https://toolgpa.com/tools/rydoo): Expense reports with an AI receipt scanner and multi-country rules. [Compare](https://toolgpa.com/compare/expensify-vs-rydoo)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/expensify-vs-ramp)
- [Navan](https://toolgpa.com/tools/navan): Business travel booking with expenses and corporate cards built in. [Compare](https://toolgpa.com/compare/expensify-vs-navan)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-expensify)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 18, 2026:

- https://www.expensify.com/pricing
- https://help.expensify.com/articles/expensify-classic/expensify-billing/Billing-Overview
- https://help.expensify.com/articles/new-expensify/getting-started/Create-a-company-workspace
- https://use.expensify.com/ai-disclosure
- https://use.expensify.com/download

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