# Zoho Expense

> Expense reports, receipt scanning and travel booking from Zoho

Zoho Expense reads receipts with AI, builds expense reports, checks them against policies and reimburses employees by ACH. It tracks mileage by GPS, pulls in corporate card feeds, and on the Premium plan books travel and handles per diems. A free plan covers up to 3 users, paid plans are priced per user, and it connects to Zoho Books, QuickBooks Online, Xero and NetSuite.

- **Category:** Spend & Bill Pay
- **Made by:** Zoho Corporation
- **Website:** https://www.zoho.com/us/expense/
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 18, 2026

## Pricing

Zoho Expense has a free plan. Paid plans start at $3 per user / month, billed annually ($4 billed monthly).

- **Pricing model:** Free plan
- **Free plan:** Free: up to 3 users, 20 AI receipt scans per user a month, expense reports, GPS mileage, multi-currency expenses, accounting integrations and 5 GB of receipt storage.
- **Free trial:** 14-day free trial, no credit card required.

| Plan | Price | What you get |
| --- | --- | --- |
| Free | $0 | Up to 3 users, 20 receipt scans per user a month, expense reports, GPS mileage, the Zoho Prepaid Mastercard and accounting integrations. |
| Standard | $3 per user / month, billed annually ($4 billed monthly) | 200 scans per user a month, card feeds, multiple policies, cash advances, ACH reimbursements, SSO and Zia AI reporting and audit. |
| Premium | $5 per user / month, billed annually ($6 billed monthly) | 1,000 scans per user a month, travel self-booking, a travel desk, GSA per diems, live budgets and multi-entity expenses. |
| Enterprise | Custom | A spend platform combining travel, expenses, cards, procurement, accounts payable and payroll, quoted for large organizations. |

Read from https://www.zoho.com/us/expense/pricing/ on Oct 18, 2026. Prices change, so confirm with Zoho Expense before buying.

## Ways to pay less

- **Save up to 25% with yearly billing** (Annual discount): Standard costs $3 per user a month billed yearly instead of $4 monthly, and Premium $5 instead of $6. Source: https://www.zoho.com/us/expense/pricing/
- **Discounted pricing for nonprofits** (Nonprofit): Zoho says Zoho Expense is available at discounted pricing for nonprofit organizations; the discount is not stated. Source: https://www.zoho.com/us/expense/expense-reporting-for-nonprofits/

## Key features

- **AI receipt scanning:** Receipts are read in more than 38 languages and turned into itemized expenses, up to a monthly scan limit that rises with the plan.
- **Policies and approvals:** Expense reports go through approval rules, and Zia AI flags possible fraud and alcohol on receipts from the Standard plan.
- **Mileage and per diem:** Track drives by GPS on a phone or Apple Watch, and apply GSA per diem rates automatically on Premium.
- **Cards and reimbursements:** Real-time Visa and Mastercard feeds, the Zoho Prepaid Mastercard, cash advances and direct ACH reimbursements to employees.
- **Travel booking:** Premium adds employee self-booking of flights and hotels, guest booking and an in-house travel desk tool.
- **Zoho and accounting links:** Exports to Zoho Books, QuickBooks Online, Xero and NetSuite, and works with Zoho People, Zoho CRM and Zoho Projects.

## Good for

- Small teams of up to 3 people who need free expense reports
- Businesses already using Zoho Books or other Zoho apps
- Companies that want low per-user pricing with travel booking

## Worth knowing

- Anyone who creates an expense or report is billed as a user. The free plan stops at 3 users and 20 receipt scans per user a month.
- ERP and HR integrations are an add-on on Standard, travel self-booking as an add-on costs $9.99 a trip, and premium support starts at $490 a year.
- The Zoho Prepaid Mastercard is issued by Pathward, N.A. and is loaded from a funding account rather than a credit line.
- Travel booking, per diems, live budgets and multi-entity expenses need Premium.

## ToolGPA grades

**GPA: 3.0 out of 4**, graded Oct 18, 2026. Zoho Expense reads receipts with AI, builds reports, checks them against your policies and pays employees back by ACH, and it tracks mileage by GPS. The free plan works for up to 3 users, and paid plans start at $3 a user. It doesn't pay supplier bills, though, and travel booking and per diems need Premium.

- **Value for money: B.** Graded against its expense-tool alternatives. Ten people on Standard cost $30 a month at $3 each, billed yearly. That's less than Expensify, Navan, Rydoo or Pleo charge for ten, though Ramp does expenses for nothing.
- **Free plan and trial: B.** The free plan runs the whole loop for up to 3 users: 20 AI receipt scans each a month, reports, GPS mileage, the prepaid card and accounting links. One person could live on it. Paid plans have a 14-day trial with no card.
- **Features: C.** Expense reports are done fully, with AI scans in 38+ languages, policies, mileage, card feeds and ACH reimbursements. It's a smaller job than the category's, though: no supplier bill pay is listed, and travel booking needs Premium.
- **Ease of use: A.** 4.84 from 8,238 App Store ratings, the top band. Snap the receipt and it reads the lines for you, and mileage tracks itself by GPS.
- **Platforms and integrations: B.** Web, iPhone and Android, with Zoho Books, QuickBooks Online, Xero, NetSuite, Zoho People, Zoho CRM, Uber and Slack. No desktop app is listed, and ERP and HR integrations are an add-on on Standard.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Zoho'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

- Zoho Expense's GPA of 3.0 is higher than 9 of the 13 other spend and bill pay tools we grade, and level with 1.
- It stands best on ease of use (A, above 8 of 13) and worst on features (C, above 0).
- Its paid plans start at $3 a month for each person, against a middle price of $12 for the category: 0 of the 11 others that charge start lower.
- On features, ease of use and platforms it scores 3.0 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 Zoho Expense 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 is one of the better ones too: its GPA of 3.0 is higher than 9 of the 13 other spend and bill pay tools we grade. It costs $36 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: A real app for iOS and Android. Something home-made would be a web page.
- 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, Zoho Books, QuickBooks Online and Xero among them.
- You could not: AI features, unless you pay a model provider for each request yourself.
- You could not: Hooks into the device itself: an Apple Watch app.

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:** 4.8 out of 5 from 8,238 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/id966094166

## Works with

Zoho Books, QuickBooks Online, Xero, NetSuite, Zoho People, Zoho CRM, Uber, Slack

**Tags:** Expense tracking, Company cards, AI features, Reports

## Alternatives

- [Expensify](https://toolgpa.com/tools/expensify): Receipt scanning, expense reports and company cards, from $5 a member. [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/rydoo-vs-zoho-expense)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/ramp-vs-zoho-expense)
- [Navan](https://toolgpa.com/tools/navan): Business travel booking with expenses and corporate cards built in. [Compare](https://toolgpa.com/compare/navan-vs-zoho-expense)
- [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/pleo-vs-zoho-expense)

## Sources

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

- https://www.zoho.com/us/expense/pricing/
- https://www.zoho.com/us/expense/mobile-apps/
- https://www.zoho.com/us/expense/expense-features/
- https://www.zoho.com/us/expense/expense-reporting-for-nonprofits/
- https://www.zoho.com/cards/

Page: https://toolgpa.com/tools/zoho-expense
Listed by ToolGPA (toolgpa.com).