10 Best Free Business Expense Trackers I Recommend

I know how delayed reimbursements can affect employee travel experiences and overall morale. Many employers find it challenging to process travel expenses quickly, which can require employees to cover costs upfront and may create discomfort or uncertainty over time.

Employers need assurance that their money is managed safely and in the right hands. Investing in free expense management software enables businesses to manage, audit, and track travel-related expenses quickly. These business expense trackers have advanced analytics, travel integrations, and payment support to reimburse the employees and manage company budgets effectively.  

I recommend taking the first step toward better expense management with a free business expense tracking platform. In this list, I break down the 10 best free business expense tracking platforms on G2 for 2026 to help you find the right fit.

Comparison of the best free business expense trackers

To get a better idea of the main differentiators of business trackers, refer to the following table and evaluate your preferences on what software suits your business needs.

*All pricing details mentioned in the article are based on publicly available data at the time of publication and are subject to change.

10 best free business expense trackers I recommend

Keeping business expenses organized has become a priority for teams looking to control costs and improve financial visibility. As companies move away from manual spreadsheets, the adoption of expense tracking tools continues to accelerate. The global expense management software market is projected to grow from $8.30 billion in 2025 to $16.48 billion by 2032, reflecting a strong CAGR of 10.08% during the forecast period.

What stood out to me while reviewing this category is that effective expense tracking doesn’t always require a paid solution. Several tools offer free plans or entry-level access that cover essentials such as receipt capture, expense categorization, reporting, and basic approvals, making them particularly useful for freelancers, startups, and small teams.

In this list, I’ve rounded up the 10 best free business expense trackers based on real user feedback, usability, and the overall value of their free offerings. I’ll highlight where each tool excels, its limitations, and which types of businesses it’s best suited for,  so you can track spending confidently without incurring extra costs.

Integrate your business travel expense management operations on one platform, without drowning in spreadsheets and the overhead of third-party travel and invoice tracking tools. These free business and income trackers will provide end-to-end travel support to employees and help them manage their records while lowering overall costs.

The list below contains real user reviews from the best presentation software category. It’s essential to note that, in the context of this list, software that requires payment after a free trial is still considered free.

To qualify for inclusion in this category, a software must,

• Allow for automatic receipt uploads and pre-filled form fields for creating an expense report
• Enable automated data entries and record bookkeeping of travel journeys 
• Provide an automated system to track, manage, and audit expenses
• Offer an option to review expenses before submission

This data was pulled from G2 in 2025. Some reviews may have been edited for clarity.

1. BILL Spend & Expense: Best for controlled card spend and reimbursements 

BILL Spend & Expense allows employees to track vehicle mileage, record official transactions, and apply for team cards to get discounts on e-commerce purchases. Catering to small business owners or entrepreneurs, self-employed, and freelancers, the software maintains Excel records of card transactions.

BILL Spend & Expense is not just limited to travel expense tracking, but also audits and routes receipts for the right dedicated member.

Pros and cons of BILL Spend & Expense: What stood out to me

What G2 users like about BILL Spend & Expense:

"The setup of this service is really easy to use. Coding documents makes sense. It makes keeping receipts organized straightforward. The reimbursement feature is awesome and makes mileage tracking a breeze. It works with our pre-existing account on QuickBooks, which makes that a breeze. I am in the Divvy app essentially every day, and having the ability to upload a receipt to my phone instantly is awesome.”

- BILL Spend & Expense Review, Lake M.

What G2 users dislike  about BILL Spend & Expense:

"The reimbursements feature doesn't get much development - the fact that it doesn't sync with QBO with the integration is the biggest pitfall of Bill Spend & Expense. So many data entry errors happen with reimbursement transactions because we have to manually enter them. Also, the automated clearing house (ACH) payment timing for reimbursements is pretty long.”

- BILL Spend & Expense Review, Amber G.

2. Brex: Best for integrated corporate cards and travel spend

Brex is a user-friendly spend management platform that handles corporate cards, corporate cash accounts, budget approval, travel expenses, and receipt generation workflows. It tracks both deductible and non-deductible employee expenses, offering insights into a company’s overall spending.

The platform’s AI integrations analyze reports to provide details regarding total travel expenses and audit the entire trail to ensure there are no loopholes.

Pros and cons of Brex: What stood out to me

What G2 users like about Brex:

"Brex has a friendly interface, and it is easy to start and make changes. You can get the banking issues resolved in a moment for a new employee. Basic integrations are provided, which are very useful in everyday accounting work. Easy to manage and collect receipts from your team. As an accountant, I do not need to log in every day; I can just set the necessary rules on Brex and use it for my work.”

- Brex Review, Myroslava G.

What G2 users dislike about Brex:

"The one thing that I don't like about the card stems from the receipt process. At present, the Brex card only allows for images to be uploaded as backup receipt verification. It would be great, especially for multi-page receipts to allow for a pdf upload acceptance as well.”

- Brex Review, Rodney W.

3. Emburse Expense Enterprise (formerly Chrome River Expense): Best for policy-heavy enterprise expense workflows

Emburse Expense Enterprise is a mobile-friendly app that enables you to track your raised reimbursement requests, reconciliation forms, tax claims, and tuition finances all in one platform. The app not only secures your transactional data but also schedules sync-ups with budget-approving teams to ensure all records are up-to-date.

Pros and cons of Emburse Expense Enterprise: What stood out to me

What G2 users like about Emburse Expense Enterprise:

"Chrome River Expense is very helpful in getting claims processed quickly. The visual dashboards for high spend items and users are also useful when trying to analyze expense claim information. Also, their customer support is quick and easy.”

- Emburse Chrome River Expense Review, Michael L.

What G2 users dislike about Emburse Expense Enterprise:

“It takes a lot of repetitions to master the system. For those infrequent users, it can feel like learning it every time they need to submit an expense report.”

- Emburse Chrome River Expense Review, Luis L.

4. Emburse Expense Professional (formerly Certify Expense): Best for fast receipt capture and easy reporting

Emburse Expense Professional segregates employee transaction records and sets minimum budget caps for HR and accounting teams. It offers mileage tracking, commute support, invoice upload, and management to have all your expenses and liabilities sorted and categorized. Apart from these features, Emburse Certify Expense offers integrated banking support to expedite transactions.

Pros and cons of Emburse Expense Professional: What stood out to me

What G2 users like about Emburse Expense Professional:

"We use Emburse Certify through our HR partner and have been thoroughly impressed with the ease of onboarding and use in our organization. It takes no time at all to train our employees. It is easy to navigate and make changes, run reports, track spending, AND integrate with so many other items.”

- Emburse Certify Expense Review, Kye G.

What G2 users dislike about Emburse Expense Professional:

"When submitting an expense report, the submit button must be clicked multiple times (through 2 or three screens). This causes some employees to think they have submitted a report when they have not yet completed the process. This problem is quite minor in the grander scheme of things. 

- Emburse Certify Expense Review, Emily P. 

5. Expensify: Best for automated receipt scanning and one-click expense reports

Expensify is an all-in-one travel management platform that stores, retrieves, and manages data from travel reports. It offers easy workflow approvals to expedite the reimbursements and reconciliation process. Users can upload and scan receipts directly onto the platform and categorize their payments for complete transparency and visibility. 

Real-time email updates keep both employees and approvers informed, while the integration of bank account information further streamlines payments. 

Pros and cons of Expensify: What stood out to me

What G2 users like about Expensify:

“Scanning is so accurate; reports are easy to generate (reimbursable vs. non-reimbursable makes private and company expenses easy to manage); duplicates are picked up and easy to eliminate; integration to Xero. Customer service is always responsive. I use Expensify all the time, and it was super easy to install.”

- Expensify Review, Jen C. 

What G2 users dislike about Expensify:

"Mobile version doesn't have category separation like the web version, which makes it a little difficult to track what expenses have been submitted versus haven't.”

- Expensify Review, Apple L. 

6. Navan (Formerly TripActions): Best for travel booking plus expense management in one place

Navan (Formerly TripActions) is an all-in-one travel booking and expense management platform. It offers travel guidance, a faster approval workflow, and seamless scanning of invoices and receipts. The platform supports tracking outstation employee expense reports for different categories like food, accommodation, rentals, and so on.

With pre-built expense categories for office outings, off-site conferences, client dinners, and corporate events, Navan helps employees be more specific to business needs.

Pros and cons of Navan: What stood out to me

What G2 users like about Navan:

“In a role that involves travel, I have sometimes come back from trips with a wallet full of receipts and have to spend a lot of time doing my expenses. Navan is easy to use and efficient, saving a significant amount of time. I like that you can add your reward member numbers to collect points."

- Navan Review, James L.

What G2 users dislike about Navan:

"The main thing that stuck out to me is that they don't have a Google Pay integration, which is something that I would really appreciate. Besides that, basically, anything that is missing from Google Flights would be great to have. For example, the price by date feature."

- Navan Review, Carter H.

7. Paylocity: Best for all-in-one workforce operations

Paylocity is an all-in-one workforce management platform that integrates HR, payroll, finance, and IT processes into a single system. It helps organizations manage payroll, benefits, talent, and workforce operations while also handling non-payroll spend such as expenses, accounts payable, corporate cards, and procurement. Built around a unified employee record, Paylocity keeps policies, approvals, and limits aligned as employees join, change roles, and advance in their careers.

By centralizing people and spend management, Paylocity helps teams simplify operations and make more informed decisions.

Pros and cons of Paylocity: What stood out to me

What G2 users like about Paylocity:

"I really like Paylocity for its ease of use for both admins and employees. It is simplistic and not complicated for either party to use. Things are pretty straightforward to find. It's less expensive than other systems, which is great. The customer service is also a plus since it's easy to get a hold of someone, which reduces frustrations for my team".

- Paylocity Review, Angie E.

What G2 users dislike about Paylocity:

“The most challenging part of using Paylocity has been the time clock kiosk feature on iPads, which has not performed as well as we had hoped. This has led to difficulties for employees when clocking in and out. To address these timekeeping problems and enhance reliability for our staff, we have decided to order a kiosk directly from Paylocity in hopes that it will provide a better solution".

- Paylocity Review, Carla H.

8. Ramp: Best for real-time spend controls and finance automation

Ramp is a comprehensive accounting and finance software designed to support financial forecasting, corporate loyalty management, and expense tracking for fare and fuel reimbursements. The tool has built-in integrations with accounting and other ERPs to store, track, and approve expenses.

Ramp is a robust spend control and database automation dashboard, supporting revenue and budget teams in cost management.

Pros and cons of Ramp: What stood out to me

What G2 users like about Ramp:

“Ramp's tech is modern, efficient, and effective. Even their application programming interface (API) and docs follow modern best practices. Onboarding was easy, and we're using Ramp every day to complete our bookkeeping and expense tracking!”

- Ramp Review, Nathan W.

What G2 users dislike about Ramp:

"Employees will give pushback over the loss of points for their personal credit cards. This falls on deaf ears for Finance, but it is a valid concern to get ahead of and gain a firm footing on your response.”

- Ramp Review, Oscar L.

9. SAP Concur: Best for enterprise travel, expense, and invoice standardization

SAP Concur integrates travel tracking and invoice management to allow employees to upload travel receipts, create expense reports, and check the automated progress of their reimbursement appeals. It supports credit transactions via integrated and secure payment gateways to reduce payment turnarounds.

SAP Concur manages accounting and enterprise resource planning (ERP) integrations to assign and route expense reports on time. This empowers teams to manage costs, save resources, and focus on business growth. 

Pros and cons of SAP Concur: What stood out to me

What G2 users like about SAP Concur:

“SAP Concur provides amazing pre-travel budget requests, travel booking, expense management, and other reporting tools. It allows the automatic uploading of expenses and receipts, which helps in reducing fraud and mistakes. SAP Concur is very user-friendly software, easy to integrate and implement at the same time.”

- SAP Concur Review, CS Ankita A.

What G2 users dislike about SAP Concur:

“On behalf of the small business segment (SMB), it does seem to be enterprise-focused. We do things a little differently because our processes have grown and adapted to how we do business. Several of the fields, the way data is formatted, the way it is stored, etc., seem to lend to a rigid enterprise structure instead of the way sometimes SMBs just need to get stuff done".

- SAP Concur Review, Bradley B. 

10. Zoho Expense: Best for affordable expense reporting with strong receipt automation

Zoho Expense specializes in travel budgeting, reducing costs, and analyzing travel analytics for businesses. It is a consolidated software where traveling employees can share receipts, get budget estimates, and receive frequent updates from accounting teams. Zoho Expense also manages, tracks, and controls travel overheads to extract deductible expenses and update teams. 

The tool integrates with ERP and accounting platforms via webhook automation so that pay cycles are aligned with recent reimbursement changes.

Pros and cons of Zoho Expense: What stood out to me

What G2 users like about Zoho Expense:

"I really love using Zoho Expense to scan my receipts and export the spreadsheet of it all. It's perfect to sum up numerous expenses in different categories. It's incredible that scanning receipts with the phone camera works so fast at converting all the line items, categories, and totals into a full report. I'm amazed, and I love it.” 

- Zoho Expense Review, Mark G. 

What G2 users dislike about Zoho Expense:

"Absence of some languages and inaccuracies in the automatic receipt recognition function. The automatic recognition function does not prevent user mistakes.”

- Zoho Expense Review, Moonyoung D.

Best free business expense tracker: Frequently asked questions (FAQs)

Q1. Is a business expense tracker a part of a travel management solution?

A business expense tracker can be a part of a travel management solution or bought separately and later integrated with your ERP. These solutions manage not only your travel expenses but also overall financial expenses that you may incur across departments for business growth.

Q2. Can a business expense tracker manage company and employee financial statements?

A business expense tracker system lists your active expenses and tracks them against your overall budget planning. However, it doesn’t support auditing or approving company expenses, uploading receipts, or generating employee statements. It is always advisable to integrate the tracker with either accounting software, ERP, or finance analytics software to maintain a paperless trail of your official transactions.

Q3. What is the top business expense tracking software on G2?

The top business expense tracking software on G2 are BILL Spend & Expense, SAP Concur, Expensify, Navan, and Ramp.   

Q4. Is it safe to upload travel details or receipts to business expense tracker software?

Yes, business expense tracker software is designed with user authentication and secure data authorization in mind. The expense reports you upload are visible only to your organization’s accounting team, who use this information to maintain cost centers and control budget spending. But even then, data is secured based on role-based access control (RBAC) authentication, ensuring that sensitive information is accessible only to those with the appropriate permissions.

Q5. Can the free version of a business expense tracker maintain tax deductions along with expense tracking?

A business expense tracker provides a comprehensive view of all employee expenses under one platform. Be it travel, e-commerce, sales, or food, employees can list all transactions that can benefit the organization in the tax redemption process. By providing these benefits, businesses can manage their budget and withhold taxes in a fiscal year.

Q6. Do free expense trackers support receipt scanning?

Some do, but often with limits.

• Expensify offers receipt scanning with usage caps in its free tier.
• Zoho Expense includes receipt upload and basic scanning features.
• Enterprise platforms like SAP Concur, Navan, and Emburse Expense typically provide this feature through paid plans or trials.
  
  

Q7. Can free expense trackers categorize expenses automatically?

Yes, but automation is usually basic in free versions.

• Zoho Expense and Expensify can auto-categorize expenses using rules or AI.
• Tools like Ramp and Brex categorize expenses automatically for card-based spending, though full features often require a paid or approved account.

Advanced rule-based categorization is typically part of paid plans.

Q8. Can free business expense trackers help with tax preparation?

Yes, free tools can assist with tax prep by organizing expenses and generating reports.

Zoho Expense and Expensify help classify deductible expenses and export data for accountants. However, they don’t replace tax software or professional advice, paid plans offer stronger compliance and audit support.

Q9. What limitations should I expect with free expense tracking software?

Common limitations include:

• Caps on receipt scans or uploads
• Limited users or monthly transactions
• Basic reporting only
• Restricted integrations
• Minimal approval workflows

Tools like SAP Concur, Emburse Expense, and Navan usually reserve advanced controls for paid tiers.

Q10. Which free expense trackers work best for non-accountants?

Non-accountants benefit from tools with simple interfaces and automation.

• Zoho Expense is intuitive and beginner-friendly.
• Expensify is popular for its “scan-and-go” approach.
• Ramp and Brex simplify expense tracking for teams using corporate cards.

These tools reduce accounting complexity for everyday users.

Q11. Do free expense tracking tools support multi-currency expenses?

Some free tools support basic multi-currency tracking, but advanced features may be limited.

• Zoho Expense supports multiple currencies even in lower tiers.
• Expensify supports multi-currency expenses, though conversion features may be capped.
  Enterprise tools like SAP Concur handle global expenses but are typically paid.

Q12. What is the best free expense tracker for freelancers?

For freelancers:

• Expensify works well for tracking and reporting individual expenses.
• Zoho Expense is a strong alternative with structured reporting and tax-friendly categorization.

Both tools are easy to use and don’t require accounting expertise.

Q13. Do free expense trackers integrate with accounting software?

Some do, but integrations are often limited in free tiers.

• Zoho Expense integrates with Zoho Books and other accounting tools.
• Expensify integrates with popular accounting platforms, though full automation may require a paid plan.

Enterprise tools like SAP Concur and Emburse Expense offer deep integrations primarily in paid versions.

Pack your (money) bags!

I believe tracking business expenses is essential for protecting financial assets and maintaining healthy cash flow. When reimbursements are handled on time, and spending stays aligned with budgets, it creates a win-win situation for both the business and its employees.

In the long run, monitoring employee expense policies can have significant rewards, fostering a positive, employee-friendly, and empathic environment for your workplace. 

Check out this user-centric guide on expense management and make informed decisions towards a positive and sustainable financial future. 

Edited by Monishka Agrawal

This article was originally published in 2024. It has been updated with new information.