How much does Expensify cost in 2026?

Expensify Collect is $5 per member per month pay-per-use (no annual option). Expensify Control is $18 per member per month on annual subscription, or $36 per member pay-per-use, with a discount of up to 50% calculated from the share of approved dollar expenses that ran on the Expensify Card. The discount can take Control to as low as $9 annual / $18 pay-per-use (TripAgent.ai, August 2026; costbench, 2026).

How much does SAP Concur cost in 2026?

SAP Concur does not publish a single fixed price. Plans start at approximately $7 per expense report across Base, Plus, and Premium editions. The per-report price falls as contracted volume rises. Concur's model is usage-based — you pay per expense report, trip booked, or invoice processed — not per seat (TripAgent.ai, August 2026).

At what point is Expensify cheaper than SAP Concur?

Expensify Collect at $5 per member per month is cheaper than Concur Base at ~$7 per report once the average member files more than 0.7 expense reports per month. Against annual Control at $18 (with full Expensify Card discount to $9), the crossover moves to about 1.3-2.6 reports per member per month. Below those crossovers, Concur is cheaper; above them, Expensify wins (TripAgent.ai, August 2026).

What is included in Expensify Collect at $5/user/mo?

Expensify Collect at $5 per unique member per month pay-per-use includes receipt scanning, approval, ACH reimbursement, accounting sync with QuickBooks Online and Xero, and unlimited expense reports. There is no annual subscription option for Collect — it is pay-per-use only (TripAgent.ai, August 2026).

How does the Expensify Card discount work on Control?

Annual Control workspaces earn a discount of up to 50% on the $18 base rate, calculated from the percentage of all approved dollar expenses in the workspace during the billing month that were incurred on the Expensify Card. The discount is proportional, not threshold-based — running every dollar of approved spend on the Expensify Card reaches $9 annual; splitting spend across two card programs lands somewhere between $9 and $18 (TripAgent.ai, August 2026).

Which is better for a global enterprise with high travel volume?

SAP Concur is the standard for global enterprise expense and travel management. Concur Travel is built into the platform, with TMC connections, policy controls, and SAP ERP integration. For SMBs under 100 people, Expensify is the easier answer — self-serve signup, transparent pricing, Expensify Card with 1-2% cashback. For mid-market with fluctuating headcount, Expensify's per-member billing only charges for active users (TripAgent.ai; Airwallex, June 2026).

Expensify vs SAP Concur Pricing 2026: Side-by-Side

Q: What is included in SAP Concur Base?

SAP Concur Base is the entry-tier expense reporting product, priced at approximately $7 per expense report. Base includes unlimited users, expense report submission, receipt capture, and basic approval workflows. Plus adds AI-assisted features and Premium adds the most advanced capabilities. The per-report rate falls as monthly contracted volume rises (TripAgent.ai, August 2026).

Quick Answer

Expensify Collect is $5 per member per month (pay-per-use only); Expensify Control is $18 annual / $36 pay-per-use, with up to 50% card discount taking it to $9. SAP Concur is custom pricing at approximately $7 per expense report starting. The break-even is roughly 0.7 reports per member per month (Expensify cheaper above it).

Last verified: Sep 16, 2026.

At a glance

Expensify Collect: $5/member/mo pay-per-use, unlimited reports
Expensify Control: $18 annual / $36 pay-per-use
Control with Expensify Card: up to $9 annual ($18 pay-per-use)
SAP Concur: Custom, ~$7/report starting (Base, Plus, Premium)
Concur model: Per-report, not per-seat
Break-even: 0.7 reports/member/mo (Collect vs Concur Base)
Expensify Card cashback: 1-2%

How the two pricing models differ

The pricing models are opposites, and that single fact decides which one is cheaper for you.

Concur prices per transaction: published starting figure is approximately $7 per expense report, with Base, Plus, and Premium editions that all state unlimited users, and a per-report rate that falls as contracted volume rises. Concur gets more expensive as your people file more expense reports.

Expensify prices per person: Collect is $5 per member per month with unlimited reports, and Control is $18 per member per month on annual subscription or $36 pay-per-use, with a discount of up to 50% that scales with how much approved dollar spend runs on the Expensify Card. Expensify gets more expensive as you hire more people, regardless of how many reports they file (TripAgent.ai, August 2026).

Break-even math

The crossover points are precise. Against Concur Base at $7 per report, Expensify Collect at $5 per member per month pays for itself once the average member submits more than about 0.7 reports per month. Below that, Concur Base is the cheaper shape.

Against annual Control at $18 per member, the crossover moves to about 2.6 reports per member per month. At the fully discounted $9 rate (full Expensify Card adoption), it matches at about 1.3. At the $36 pay-per-use rate, it matches at about 5.1. Run your average monthly filing volume against these four crossovers and the answer falls out in minutes (TripAgent.ai, August 2026).

What's actually included

Expensify Collect at $5 per member includes receipt scanning, approval, ACH reimbursement, and accounting sync with QuickBooks Online or Xero. There is no annual subscription option for Collect — it is pay-per-use only. For SMBs that want to keep their existing bank-issued cards and add an expense layer, Collect is the cheapest credible option on the market.

Expensify Control at $18 per member (annual) or $36 (pay-per-use) includes more: advanced approval workflows, custom policy enforcement, multi-level approval chains, deeper ERP integration (NetSuite, Sage Intacct), travel booking, and the Expensify Card. The Expensify Card carries 1-2% cashback, which for a high-spend team can offset the subscription cost outright (ITILite, August 2026).

Concur Base at ~$7 per report includes unlimited users, expense report submission, receipt capture, and basic approval workflows. Plus adds AI-assisted features like receipt matching and predictive categorization. Premium adds the most advanced capabilities: global policy enforcement, multi-entity consolidation, advanced audit, and the deepest integration with SAP ERP. The per-report rate falls as monthly contracted volume rises (TripAgent.ai, August 2026).

The Expensify Card discount math

The 50% Control discount is proportional to Expensify Card adoption — not a threshold you cross once. Run every dollar of approved spend on the Expensify Card and you reach the $9 floor. Split spend across two card programs (which most companies with existing bank relationships do) and you land somewhere between $9 and $18, recalculated every month. Budget at $18 and treat anything below it as savings you earn.

The Expensify Card itself is the revenue engine: 1-2% cashback on card spend plus interchange revenue funds the discount. Expensify's card revenue model is structurally similar to Ramp's — software is cheap or free, interchange revenue funds the operation. Concur is not a card issuer, so it connects to outside card programs and ingests the feeds.

Total cost of ownership for a 25-person team

Run your own filing volume and the answer falls out. At Vendr median deal data, the 25-person Expensify deployment costs roughly $789/year per seat; the equivalent Concur deployment costs roughly $180/year — but the Concur median is based on only 7 deals (limited data) while the Expensify median is based on 34 (more confidence). Concur's spread (lowest $180 vs typical $789) suggests the actual deployment cost depends heavily on volume commitments negotiated (costbench, 2026).

For a 100-person team with heavy travel: Concur Premium at negotiated volume rates likely beats Expensify annual Control at $1,800/mo ($18 x 100) because of the volume discount and travel suite integration. For a 25-person team with light travel: Expensify Collect at $125/mo ($5 x 25) wins on simplicity and per-person predictability.

How to choose Expensify vs SAP Concur in 2026

Three decision variables: company size, filing volume, and travel demand.

Company size. Under 100 people: Expensify. Above 100 people with global operations: SAP Concur (assuming enterprise agreement). SMB: Expensify every time.
Filing volume. Above 0.7 reports/member/mo: Expensify wins on per-seat economics. Below 0.7: Concur's per-report model wins.
Travel demand. Heavy global travel: Concur Premium with built-in TMC connections. Light domestic travel: Expensify with third-party booking integration.

What enterprise buyers should do next

Three actions for organizations evaluating Expensify vs SAP Concur in 2026.

Audit your average filing volume per member per month. This is the single number that decides the comparison. Pull it from your existing expense system or estimate from corporate card spend.
Model the Expensify Card adoption. If you can route 80%+ of approved spend through the Expensify Card, Control drops to roughly $11 per member per month — close to the Concur Base rate but with unlimited reports and the Expensify Card cashback.
Pressure-test the Concur implementation timeline. Concur typically takes months to implement with consultant hours. Expensify is self-serve, sign-up-to-running in a day. Factor implementation cost into the comparison.

What to watch next

Three near-term datapoints. First, any Expensify pricing change — Expensify adjusts per-user rates and card discount mechanics periodically, and the published rates are not guaranteed. Second, any SAP Concur pricing simplification — the custom-quote model is opaque and a published tier structure would change the comparison. Third, expansion of the Expensify Card and Bill.com Spend & Expense integration — both card-issuance models compete on interchange revenue, and the rate differences matter for any company considering both.

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Written by

Fazlur RahmanAI, Entrepreneurship, EdTech

Fazlur Rahman is the founder of Tutorsbot, building AI-powered tools for learning and career growth. He writes about applying AI in real products and the practi… Read more

Fazlur Rahman is the founder of Tutorsbot, building AI-powered tools for learning and career growth. He writes about applying AI in real products and the practical side of building an ed-tech startup.