Zoho Expense is a popular tool that helps businesses track employee expenses and manage reimbursements in one place. It is widely used for recording spending, setting rules, and keeping expense data organised.
However, every business works differently, and some teams may look for features, workflows, or pricing models that better match their specific needs.
We spent time researching and curating a list of the best Zoho Expense alternatives available today. While selecting these tools, we reviewed user feedback on G2, checked their integrations, and highlighted what makes each option a better fit for different business needs.
In this blog, we will explore the 10 best Zoho Expense alternatives to help you find a solution that fits your business requirements better.
Why Seek a Zoho Expense Alternatives?
Although Zoho Expense is a powerful solution, companies tend to expand and require alternatives or have certain requirements. These are some typical change drivers.
- As the organization grows, you might need to use more reliable expense management, multi-currency, worldwide reimbursements, corporate card, or multi-entity features that push the native Zoho template.
- The business might have an existing broader finance, HR or ERP stack and desire a platform to integrate deeper with those ecosystems.
- Customization, flexibility of workflow or reporting requirements are beyond the comfort of other solutions.
- You might want a platform that is designed with spend/expense management as its that can introduce more powerful automation, analytics and spend visibility.
Pros
- Intuitive Interface: Zoho Expense is well-designed and easy to navigate, which means that it is not difficult to record and submit expenses.
- Mobile App Support: A mobile app allows users to take receipts and monitor expenses simultaneously.
- Automatic Receipt Scanning: It enables users to scan and upload receipts, which saves time on typing.
- Multi-Currency Handling: International businesses are in a position to handle their expenses using various currencies.
- Zoho Suite integration: It is compatible with other Zoho products, and it provides value addition to the existing Zoho users.
Limitations
- May Not Cover Every Business Style: Zoho Expense is built to support many common expense needs, though some businesses may prefer tools that are designed around very specific workflows or reporting styles.
- Customization Follows a Defined Structure: The platform provides clear and well-organized settings, which work well for most teams. Businesses with unique approval requirements may look for additional configuration options.
- Works Best Alongside Zoho Products: Zoho Expense offers strong value, especially for companies already using the Zoho ecosystem. Teams using a different set of tools may want to review how it fits into their existing setup.
Alternatives | Integrations | Free Trial |
Expense Tracker 365 | SharePoint, MS Teams, Outlook, Power BI, QuickBooks and Xero | 14 days |
Expensify | QuickBooks, Oracle NETSUITE, Xero and Sage | 30-day free trial |
Rippling |
| 14-day free trial |
10 Best Zoho Expense Alternatives
Below is a curated list of Zoho Expense alternatives that businesses consider based on different needs, features, and integrations.
1. Expense Tracker 365
Expense Tracker 365 is designed to work in the Microsoft 365 ecosystem and it integrates with MS Teams, Excel, Power BI, SharePoint, Outlook which is designed to work with organisations who already use Microsoft products. Expense Tracker provides an easy-to-use interface that supports many organisations in handling their expenses more comfortably. It helps teams analyse spending patterns and reduce unwanted costs. With helpful automation, clear reports, and simple expense tracking, businesses can manage both time and budget more effectively.
Key features
- AI Receipt scanning
- Expense reporting
- Smart reimbursement process
- Approval process
- Form customization
- Multi-factor authentication
- Multiple currencies
- Expense delegation
- Tax compliance
- Role based access permission
- Corporate card management
- Per diem automation
Hear from our happy clients – G2 Platform
“Expense Tracker 365 is a reliable application backed by strong customer support. Its advanced capabilities provide everything needed in one platform and have significantly improved the way expenses are tracked and reports are prepared.”
Ratings
G2: 5
Why Expense Tracker 365 is a better Zoho Expense Alternatives
This tool reduces disruption and training if your organization is already using Microsoft 365 because most workflows are already known. Since the expense module coexists with the environment your teams are already in, you minimize the overhead of the new-tool.
Pricing
$49 per month/ billed annually
Basic Plan – Free for up to 1 user.
Business Plan – Custom pricing based on company size and needs.
2. Expensify
Expensifyis a popular expense management tool that is aimed at supporting teams that act fast. It aims at assisting employees to file expenses with ease and providing finance departments with enhanced insight into spending. The platform facilitates the payment of cards, expense reimbursements, and travel costs under a single platform. Expensify is also favored by businesses that want faster reporting of expenses with fewer manual inputs.
Key Features
- Receipt scanning
- Smart reports
- Corporate cards
- Mileage tracking
- Multi-currency support
- Policy rules
- Approval flows
- Spend visibility
Ratings
G2: 4.5
Capterra: 4.4
Why is Expensify a Zoho Expense Alternatives?
Expensify has another way of expense reporting with good receipt capture and in-built card support. It is applicable to businesses that desire employees to provide expenses promptly and maintain finance departments updated on a real-time basis.
3. Rippling
Rippling is an integrated software that integrates HR, payroll, IT, and expense management. Its expense module is closely integrated with the employee information, so it is simpler to control the spending according to the roles and teams. Rippling is frequently used by businesses that require expenses that are closely linked to payroll and employee records. It is suitable to the expanding companies who like fewer tools.
Key Features
- Employee-based expenses
- Corporate cards
- Approval rules
- Policy controls
- Global reimbursements
- Spend tracking
- Payroll connection
- Role-based access
Ratings
G2: 4.8
Capterra: 4.9
Why Rippling is a Zoho Expense Alternatives
Rippling is distinctive to companies that prefer costs related to HR and payroll information. It provides a superior insight into who spends and why, according to the roles of employees. This renders it appropriate in groups that desire greater coordination between money and individuals functions.
4. Brex
Brexis a spend management platform that is primarily designed to serve startups and high-growth companies. It integrates corporate cards, expense tracking and budget controls. Brex is widely applied by those teams that desire to have superior control over company expenditures without depending on reimbursements. It helps manage corporate card-based expenditure and real-time spending limits.
Key Features
- Corporate cards
- Budget controls
- Spend limits
- Real-time tracking
- Global payments
- Policy settings
- Expense categorisation
- Team budgets
Ratings
G2: 4.8
Capterra: 4.5
Why Brex is a Zoho Expense Alternatives
Brex is also effective to the companies that do not use reimbursements and prefer card-based spending. It provides finance departments with a greater control over budgets and gives employees the freedom to spend within predetermined limits. This renders it a good choice among startups that are interested in controlled growth.
5. Volopay
Volopay is an expense management app that is targeted at the contemporary finance teams. It helps handle expense approval process and corporate cards within a single system. Volopay has transparent dashboards and budgets that are popular among businesses. It helps in local and international expenditure requirements.
Key Features
- Physical & virtual cards
- Multi-level approval
- Integration with Tally, Xero, QBO, and more
- Multi-currency wallets
- Invoice management
- Automated reconciliation
- Expense reporting
- Identify Spend policy
- Reduce fraud risks
Ratings
G2: 4.3
Capterra: 4.5
Why Volopay is a Zoho Expense Alternatives
Volopay has better spend control with cards and budgets. It is applicable to those teams that prefer to have a clear control of expenditure before money is spent. This is useful in businesses that are concerned with planned expenses and not reimbursements.
6. Ramp
Ramp specializes in assisting finance departments to monitor and control corporate expenditure using corporate cards. It gives transparent information about the expenditure of money within teams. Ramp is also commonly used by companies who desire to see spending without intricate configuration. It is optimal when managing expenses of cards first.
Key Features
- Ease of creating expense reports
- Expense management
- Bank / Credit card integration
- Accounting Automation
- Corporate card
- Smart categorization
- Receipt capture
- Automated reminders
- Performance and reliability
Ratings
G2: 4.8
Capterra: 4.9
What Makes Ramp a Zoho Expense Alternatives
Ramp focuses on controlled card spending, giving businesses clearer visibility and management without relying on reimbursements. It provides transparent spending data that enables finance departments to examine expenses with ease. This renders it a good option to businesses that use cards regularly.
7. Fyle
Fyle is a good expense application that is easy to use by employees. It enables users to make submissions of the expenses directly through their daily tools such as email and chat. It improves the speed of review and the audit records of finance teams. Fyle is suitable to companies that do not require extra features like submitting expenses.
Key Features
- Automate credit card reconciliation
- Email expense capture
- Real-time submissions
- Expense compliance
- Monitor spending patterns
- Policy checks
- Approval flows
- Receipt storage
- Mileage tracking
- Multi-currency support
- Audit trails
Ratings
G2: 4.6
Why Fyle is a Best Zoho Expense Alternatives
Fyle is concerned with making the work of the employees less stressful and making the financial review transparent. It is appropriate to teams that desire expense submissions to be made using tools that they already have. This renders it attractive to firms that have large volume of employee expenses.
8. Bill Spend & Expense
Bill Spend & Expense is a great platform for managing expenses, which is designed to handle business payments and billing jointly. It facilitates expense management as well as accounts payable processes. It is commonly used by businesses that desire expenses and payments to be handled by a single system. It is effective with finance-based teams.
Key Features
- Budget management
- Expense reimbursements
- Categorize transactions
- Mileage tracking
- AI-powered expense review
- Detects expense frauds
- Approval workflows
- Receipt uploads
- Policy settings
- Spend visibility
Ratings
G2: 4. 5
Capterra: 4.7
Why Bill Spends and Spends is Good Zoho Expense Alternatives
Bill Spend & Expense is suitable to businesses that desire expenses to be associated with payment processes. It assists in making spending and approvals on teams in a single location. This can be applied to companies that deal with both cost and vendor payments on a regular basis.
9. Navan
Navan combines travel booking with expense management in one platform. It is commonly used by companies with frequent business travel. Expenses created during travel are captured automatically, reducing manual effort later. Navan suits organisations with structured travel policies.
Key Features
- Expense reconciliation
- Automate categorization
- AI-powered insights
- Corporate card management
- Employee reimbursements
- Analytics & reporting
- Auto expense capture
- Policy rules
- Approval flows
- Receipt storage
- Spend visibility
Ratings
- G2: 4.7
- Capterra: 4.6
What Makes Navan a Best Zoho Expense Alternatives
Navan is a strong option for travel-heavy businesses. It links travel spending directly with expense reports. This helps teams track travel costs more clearly.
10. Payhawk
Payhawk is a spend management platform built for mid-sized and large businesses. It combines expense tracking, approvals, and corporate cards. Finance teams often choose Payhawk for its structured controls and reporting. It supports companies with complex spending needs. The platform also helps teams maintain consistency across departments while keeping spending aligned with internal policies.
Key Features
- Automated approval process
- Expense dashboards
- Digital receipt capture
- Automated tax calculation
- Mileage tracker
- Real-time reporting and analytics
- Categorizes expenses
- Multi-currency functionality
- Accounting sync
- Spend reports
Ratings
- G2: 4.6 / 5
- Capterra: 4.7 / 5
What Makes Payhawk a Zoho Expense Alternatives
Payhawk suits businesses that need stronger controls across teams and entities. It offers clear oversight of spending with defined approval paths. This makes it suitable for companies with layered finance structures.
Best Practices to Select an Alternative to Zoho Expense
In choosing a substitute to Zoho Expense consider the following best practice guidelines.
SpecifyYour present and Future Spend Processes
Draw a flow chart of the current expense flow (submission, approval, reimbursement), the number of cards you use, the number of countries you operate in, currencies, travel vs non-travel expenditure. Also predict how this can change in 12-24 months (cards, global teams, multiple entities).
CheckEcosystem and Integration Fit
Make sure that the solution is compatible with your accounting system, ERP, HR/payroll or travel stack. In case you are already using a platform (Microsoft 365, NetSuite, QuickBooks, Xero, SAP), the alternative should integrate with it instead of requiring heavy migration or bolt-ons.
EvaluateCard vs Reimbursement Emphasis
In case most of the spending is through corporate cards, select a platform that has good card-integration and spend controls. In case you spend is reimbursement-intensive (mileage, petty cash, travel receipts) a tool with a workflow and mobile capture focus might be enough.
Multi-Entity andGlobal Preparedness
When you have operations across more than one country, you should look to see whether it is multi-currency, global reimbursement, localization (tax/regulation), multiple cost-centres or entities. This ensures financial consistency, compliance, and smoother expense control as your business scales across regions.
User Experience
A tool that feels simple for employees tosubmit receipts and easy for finance teams to review and approve is more likely to be used regularly. A clean interface, well-designed mobile apps, and clear guidance help users complete tasks quickly. When training requirements are minimal and workflows feel familiar, teams adapt faster and usage grows naturally.
Analytics and Reporting
Expense data becomes valuable when it can be clearly understood and explored. Strong dashboards, spending trend views, vendor and category breakdowns, and budget versus actual comparisons help teams gain better visibility. Forecasting tools also support planning and smarter financial decisions over time.
Ease of Deployment
A smooth setup experience playsan important role in long-term success. Support for historical data migration, structured training, and clear workflow setup helps teams transition with ease. Setting a realistic rollout plan and involving finance, IT, and end users early helps create alignment and faster adoption.
Stability and Support of Vendors Make sure that vendor has good track record, good support, data-security, compliance certifications, and roadmap that is compatible with your growth. These steps will put you in a good position to select a Zoho Expense option that fits your present requirements as well as future expansion goals – not just to switch to change.
Conclusion
Choosing a Zoho Expense alternative can make sense as business needs change, such as expanded spending, global operations, or deeper system integrations. The right solution depends on spending habits, existing tools, future plans, and available resources. Reviewing workflows, payment methods, user experience, and overall value can help businesses select a platform that supports better financial oversight.
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Frequently Asked Questions
Does changing Zoho Expense disrupt?
A: The change-management of any switch will be data-migration, user-training, workflow reconfigure. However, when you choose a tool that fits into your ecosystem and involves the parties concerned early enough, the disruption can be reduced.
Which one should be my priority: cost or features?
Both matter. A less expensive tool may not be able to do what you will need soon; the most expensive tool may be too expensive to your team size or amount of spending. Growth trajectory should be prioritized.
What is the way to quantify ROI following the implementation of a new expense solution?
It can be useful to: reduce manual hours to process expenses, reduce turnaround on reimbursement, reduce policy violations, enhance spend visibility (vendor/category), reduce audit risk, enhance budgeting accuracy. Monitor these measures prior to and following switch.
Is this solution secure enough for enterprise use?
Yes. It includes enterprise-grade security, role-based access, audit logs, and compliance with global data protection standards.
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