The Best Expense Management Software of 2026

For finance leaders, managing corporate travel and employee purchases often means juggling disparate systems. When travel booking, expense tracking, and card programs are fragmented, teams face inevitable bottlenecks: manual reconciliation, delayed closes, and policies enforced too late.

The next generation of financial management demands a unified platform. The best solutions integrate corporate cards, expense automation, and global travel into a single system, giving you real-time visibility and proactive control over spend, guaranteeing compliance and a dramatically faster close.

So whether you’re moving away from manual processes or seeking a more advanced solution, rest assured that choosing a modern expense management software will transform how your business handles finances.

Powered by real user reviews, this article will guide you through:

• Comparing the best expense management software options available
• Understanding the unique features of each platform
• Finding the software that best fits your company’s needs

Let’s dive in and discover the perfect solution to optimize your company’s expense management process.

How We Ranked the Best Expense Management Software

The expense management companies on this list are evaluated based on G2 scoring grids, which reflect authentic user feedback. Rankings are determined by average ratings and market presence across various criteria, with higher scores indicating greater user satisfaction and exceptional performance in addressing businesses’ expense management needs.

Above: G2’s summer 2025 ranking of the best expense management software on the market.

The 6 Best Expense Management Software of 2025

The following platforms are evaluated based on authentic user feedback reflected in G2 scoring grids, market presence, and ability to meet the complex needs of modern businesses.

1. Navan

G2 score for summer 2025: 95/100

Navan stands out as the only all-in-one solution for businesses looking to streamline both travel and expense management with a fully integrated, modern approach. Unlike many competitors, Navan offers a unified platform where users can seamlessly manage travel bookings, expenses, and approvals in real time, without multiple vendors.

Navan’s user-friendly interface makes it easy for teams to adopt the solution, reducing the administrative burden and giving employees more time to focus on their core responsibilities. Advanced automation features, such as automatic receipt scanning and built-in policy enforcement, help ensure that transactions align with company policies before they happen, offering complete control and visibility.

What real users are saying about Navan:

• Custom coding and policy controls: Users praise Navan for its ability to automatically code transactions and enforce expense policies. This prevents unauthorized expenses, eliminates the need to complete expense reports, and gives finance teams visibility into spend.
• Integrated travel and expense: Customers highlight how Navan’s all-in-one solution simplifies both travel and expense management. There’s no need for separate platforms or third-party vendors.
• Intuitive user experience: Reviewers often note how easy it is for expensing employees and administrators to navigate Navan’s platform.
• Global scalability: Businesses with international operations appreciate how Navan handles global expenses and reimbursements seamlessly.

2. Brex

G2 score for summer 2025: 93/100

Brex is a comprehensive financial platform designed to help businesses manage corporate cards, expense tracking, and financial operations. Users benefit from real-time expense monitoring with automated receipt matching and AI-powered categorization that reduces manual data entry.

Brex specializes in corporate cards with robust international support, streamlined global reimbursements, and multi-currency capabilities without the additional fees and vendor complications common with other platforms. The platform’s automated workflows and integrated approach to expense management, bill pay, and financial controls provide businesses with a more streamlined, proactive solution.

What real users are saying about Brex:

• Ease of use: Reviewers rave about Brex's clean, intuitive platform that gets teams operational fast, eliminating the typical setup friction that slows down financial operations.
• Startup and scale-up friendly: Users praise Brex’s ability to grow with their business, offering features that work for both early-stage startups and scaling companies.
• Seamless expense management: Brex delivers intelligent expense management. With instant virtual cards, AI-powered categorization, and real-time insights, it eliminates the need for manual expense reporting.

3. Expensify

G2 score for summer 2025: 91/100

Expensify is an expense-tracking app designed to help businesses manage receipts, expenses, and expense reports. Users can scan and upload receipts for manual submission and approval. However, Expensify lacks a fully integrated travel management solution, requiring businesses to work with additional vendors for comprehensive services. Policy enforcement happens after transactions, which can result in delayed oversight and control.

Expensify supports U.S. purchase cards, but international reimbursements can incur extra fees and require additional vendors. Its policy enforcement typically happens after transactions, leading to delays in oversight and control. For businesses that need a more comprehensive, real-time solution, Expensify’s reliance on manual processes and multiple partners for travel management may present challenges.

What real users are saying about Expensify:

• Slow reimbursement process: Users mention waiting extended periods for expense reimbursements. Some report delays of up to a month, impacting employee satisfaction.
• Limited customer support: Many users express dissatisfaction with Expensify’s support, noting the lack of phone assistance and impersonal responses, which often involve sending documentation rather than resolving issues directly.
• Manual expense reporting: Expensify still requires users to manually create, submit, and review expense reports, which can be time-consuming and lead to potential errors in expense tracking.

4. Ramp

G2 score for spring 2025: 93/100

Ramp is a spend management platform that has gained traction since its launch in 2019. It aims to provide businesses with tools for expense management; however, Ramp lacks a native travel solution, necessitating partnerships with additional vendors for a complete travel and expense management experience.

This reliance on external vendors can complicate processes and increase the administrative burden, especially for companies seeking a more integrated solution. Users also mention that Ramp’s reconciliation process for travel purchases can be cumbersome and time-consuming.

While Ramp does offer certain spend management features, it often falls short with international scalability and customization options. Users have reported limitations when trying to track expenses in detail or manage complex travel needs, which can hinder companies’ ability to maintain an efficient travel and expense program.

What real users are saying about Ramp:

• Credit limit fluctuations: Many users have reported frustration with Ramp’s fluctuating credit limits, which can change based on cash balance. This variability has led to difficulties in cash flow management and complaints of leaving companies stranded when credit limits decrease unexpectedly.
• Customer support issues: Users have highlighted slow response times and inflexible customer service. Several reviews mention that the onboarding process was poorly managed, with some users feeling unsupported after signing up.
• Transitioning from existing cards: Users have reported challenges when moving from their existing corporate cards to Ramp, expressing a desire for a more streamlined process that simplifies this transition and minimizes disruption.

5. SAP Concur

G2 score for summer 2025: 87/100

SAP Concur is a travel and expense management solution that has existed since the 1990s. It provides businesses with the tools to manage their expense reports and travel bookings. However, Concur often requires additional vendors for a fully integrated experience, particularly when it comes to managing travel-related expenses.

This multi-vendor reliance can complicate processes and add to the administrative burden, especially for companies looking for a more streamlined approach. Users also report that Concur’s user interface can be complex, sometimes requiring training to navigate effectively.

While Concur offers a global reach and the ability to handle international reimbursements, it’s often cited for its outdated architecture and slow processes, particularly around expense management and real-time data access. This can hinder companies’ ability to manage travel and expenses in a seamless, real-time manner.

What real users are saying about SAP Concur:

• Cumbersome user interface: Users describe Concur’s interface as cumbersome and complicated, requiring time and training to master, which detracts from overall efficiency and ease of use.
• Expense reporting hassles: Users often cite the cumbersome nature of entering expenses, with frustrations regarding rejected entries and the necessity to re-enter and re-save entries multiple times.
• Support challenges: Several reviews point to inadequate customer support, particularly during implementation. Users have reported difficulties in accessing support resources and navigating the setup process.

6. BILL Spend and Expense (Formerly Divvy)

G2 score for summer 2025: 87/100

BILL Spend and Expense (formerly Divvy) is an expense management solution designed to help businesses modernize their financial processes through an integrated platform that combines software and corporate smart cards.

However, while BILL provides a way to manage expenses and spending, its reliance on general budgets instead of dynamic policies limits flexibility in controlling spend and responding to real-time needs. Furthermore, businesses may find it challenging to manage international transactions, as BILL offers limited support for non-U.S. currencies and reporting for value-added tax/goods and services tax (VAT/GST), which can hinder global operations.

What real users are saying about BILL:

• Expense reporting inefficiencies: Users experience challenges with rejected entries and the need to re-enter information, leading to a cumbersome reporting process.
• Abrupt credit line changes: Several users have reported instances where their accounts were suspended, or credit lines were reduced without prior notice, leading to unexpected disruptions in their operations and creating cash flow challenges.
• Support Issues: Several reviews highlight inadequate customer support and report challenges in reaching customer service by telephone

Selecting a Travel & Expense Platform: What Matters Most

When assessing options, prioritize platforms that offer the following key capabilities to ensure long-term value:

What Defines a Modern Expense Management Software?

Expense management software is the digital backbone for handling employee spend. Today, simply capturing a receipt is not enough. As the digital backbone for handling employee spend, an expense management software platform must enforce financial strategy easily.

Modern platforms, like Navan, define control by integrating with the transaction source (corporate card or booking tool) to provide:

• Integrated policy enforcement: Controls apply across travel and expense, blocking out-of-policy spend at the point of purchase.
• Automatic data capture: Transactions are auto-categorized and matched to bookings or receipts, removing manual entry and providing real-time visibility.
• Seamless reconciliation: Data synchronization with your accounting system (ERP/GL) streamlines the close process by ensuring clean, categorized entries.

5 Key Advantages of a Unified Travel and Expense Platform

A unified platform is more than just a convenience; it’s a strategic asset that delivers tangible efficiency and cost savings, particularly for businesses with frequent corporate travel.

• Global simplicity and scale For international businesses, managing expenses across multiple entities and currencies is complex. A unified platform handles global transactions, reimbursements, and local compliance (including VAT/GST) seamlessly, consolidating your entire operation under one roof.
• Pre-emptive compliance and control The ability to enforce spending rules at the point of sale is transformative. By setting granular limits and category restrictions across integrated corporate cards and bookings, you guarantee adherence to policy, minimizing fraud risk and eliminating tedious exception reports.
• Accelerated financial close Automating data flow from purchase to general ledger dramatically speeds up monthly and quarterly closes. By eliminating manual data entry and reconciliation steps your team is free to focus on strategic analysis.
• Real-time financial intelligence When spending data is instantly available and categorized, finance gains actionable insights. You can identify spending trends, monitor budget consumption in real time, and proactively optimize contracts or policies.
• Effortless employee experience Employees value efficiency. A single, intuitive app for booking travel, capturing receipts, and managing corporate cards reduces friction, speeds up expense submission, and ensures prompt reimbursements, leading to higher morale and adoption.

Choose Navan: Take Travel and Expense Further

The best expense management solution shouldn’t be a patchwork of tools, but a strategic partner that supports you in all of your daily spend struggles. That’s why Navan unifies travel, expense, and payments on one platform, moving finance from reactive reconciliation to proactive, data‑driven strategy. 

With Navan, finance teams gain greater control through deeper visibility, while frequent travelers enjoy a fast, friction‑free experience from booking to reimbursement. Making the switch is simple: just link your eligible Visa, Mastercard, or American Express corporate cards to Navan and retain all your existing rewards and benefits.

It’s time to stop chasing receipts and start optimizing global spend. Navan is the seamless, efficient, and cost‑effective way to take your travel and expense program further.

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