Head-to-head · Expense Report Software
Zoho Expense vs Navan Expense
Zoho Expense leads on 0 checks, Navan Expense on 0, and 1 is 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 scoreZoho Expense · 9.2/10
- Free planboth
- Free trialonly Zoho Expense
Zoho Expense scores higher on our rubric for expense report software: 9.2 against 8.5 out of 10; our editors rank them #2 and #7.
Zoho Expense is the better fit for teams needing affordable, full-featured expense management. Navan Expense is the better fit for teams combining spend controls with employee expense claims.
- Zoho Expense fits best
Teams needing affordable, full-featured expense management
- Navan Expense fits best
Teams combining spend controls with employee expense claims
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Side by side
| Feature | Zoho Expense 9.2/10 Visit ↗ | Navan Expense 8.5/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.2 | 8.5 |
| Ranking | #2 in Expense Report Software | #7 in Expense Report Software |
| Best for | Teams needing affordable, full-featured expense management | Teams combining spend controls with employee expense claims |
| Pricing model | Free plan + paid | Free plan + paid |
| Starting price | $3/user/mo | — |
| Free plan | ✓ | ✓ |
| Free trial | 14 days | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Email, Live chat, Phone, Tickets, Community, Docs | Email, Docs · 24/7 |
| Compliance | SOC 2, ISO 27001, GDPR, SSO/SAML, 2FA | SOC 2, ISO 27001, GDPR, PCI DSS, SSO/SAML |
| Integrations | 2,500+ integrations | 30+ integrations |
| Built for | Solo, Small business, Mid-market, Enterprise | Small business, Mid-market, Enterprise |
| Features Zoho 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 | ||
| Pros |
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| Cons |
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| Our verdict | Zoho Expense brings expense reporting and business travel management together for organizations that need to capture receipts, track mileage, route approvals, and reimburse employees. Its range of plans makes it relevant to solo users and… 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
Zoho Expense — where it wins
- Free plan includes reports, mileage, multi-currency expenses, and accounting integrations
- Premium adds custom approval workflows, travel management, and audit features
- Web, iOS, and Android access with a broad accounting and business app ecosystem
Where it doesn't
- Free plan includes 20 receipt Autoscans per user each month
- Custom approval workflows and travel management are Premium features
- Standard costs $4 per user monthly, compared with $3 on annual billing
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
- Zoho Expense9.2/10 · Free plan · 14-day trial
A free entry point and low annual pricing meet broad expense and travel controls.
Visit Zoho ExpenseFull 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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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update