Head-to-head · Expense Report Software
SAP Concur Expense vs Navan Expense
SAP Concur Expense leads on 0 checks, Navan Expense on 1, and 0 are even. Who comes out ahead on the 1 yes/no, price and count check where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreSAP Concur Expense · 9.3/10
- Free planonly Navan Expense
SAP Concur Expense scores higher on our rubric for expense report software: 9.3 against 8.5 out of 10; our editors rank them #1 and #7.
Navan Expense offers free plan; SAP Concur Expense doesn't.
SAP Concur Expense is the better fit for organizations needing a mature, connected expense platform. Navan Expense is the better fit for teams combining spend controls with employee expense claims.
- SAP Concur Expense fits best
Organizations needing a mature, connected expense platform
- Navan Expense fits best
Teams combining spend controls with employee expense claims
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Side by side
| Feature | SAP Concur Expense 9.3/10 Visit ↗ | Navan Expense 8.5/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.3 | 8.5 |
| Ranking | #1 in Expense Report Software | #7 in Expense Report Software |
| Best for | Organizations needing a mature, connected expense platform | Teams combining spend controls with employee expense claims |
| Pricing model | Paid | Free plan + paid |
| Starting price | $7/unit usage-based | — |
| Free plan | — | ✓ (best) |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Compliance | SOC 2, ISO 27001, PCI DSS | SOC 2, ISO 27001, GDPR, PCI DSS, SSO/SAML |
| Integrations | 300+ integrations | 30+ integrations |
| Built for | Small business, Mid-market, Enterprise | Small business, Mid-market, Enterprise |
| Features SAP Concur Expense 0/4 · Navan Expense 0/4 | ||
| Mobile receipt capture | Not checked yet | Not checked yet |
| Approval workflows | Not checked yet | Not checked yet |
| Accounting integrations | Not checked yet | Not checked yet |
| Policy controls | Not checked yet | Not checked yet |
| Specs | ||
| Reimbursement method | Not checked yet | Not checked yet |
| Supported currencies | Not checked yet | Not checked yet |
| Our review | ||
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| Cons |
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| Our verdict | SAP Concur Expense is cloud-based expense management software for organizations that need to collect receipts, bring in corporate-card transactions, apply spending policies, route reports for approval and reimburse employees. It covers the… Read the review → |
Navan Expense brings company-card and out-of-pocket spending into a workflow for finance teams and employees. It captures and categorizes transactions, applies configurable policies and spend guardrails, and supports approvals, expense… Read the review → |
Strengths and trade-offs
SAP Concur Expense — where it wins
- Automates receipt data extraction and imports corporate-card transactions.
- Supports policy controls, approvals, mileage and per diem workflows.
- Connects with ERP, HR, payroll and accounting systems across web, mobile and API.
Where it doesn't
- Base includes only basic expense reporting and Concur Expense.
- Plus and Premium add capabilities, but Premium pricing is not specified here.
- Mobile app requires an active SAP Concur subscription.
Navan Expense — where it wins
- Free for the first five monthly expensing users
- Supports receipt capture, mileage, per diem, and reimbursements
- Connects corporate cards with ERP, accounting, and HR systems
Where it doesn't
- Navan Business starts at $15 per user per month after the free allowance
- Enterprise pricing is by quote
- Enterprise includes a broader Navan Travel suite, which may exceed expense-only needs
- SAP Concur Expense9.3/10 · Paid
A connected expense platform with per-report pricing and workflows from receipt capture to reimbursement.
Visit SAP ConcurFull verdict → - Navan Expense8.5/10 · Free plan
Combines employee expense claims, spend controls, and reimbursement in one system.
Visit NavanFull verdict →
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All expense report software comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update