Ramp vs Expensify: Which Expense Tool Wins in 2026?
Quick Comparison
| Ramp | Expensify | |
|---|---|---|
| Best For | Teams willing to adopt Ramp's own card in exchange for a genuinely free core platform. | Individuals who want free expense tracking, or teams that want to keep their existing corporate card. |
| Pricing | Free tier available / Plus $15/mo/user + platform fee / Enterprise custom | Free for individuals / 30-day free trial for teams / Collect $5/mo/member / Control $9–36/mo/active member |
| Winner | Our Pick |
Tool Breakdown
Ramp
Ramp's free plan has no disclosed minimum balance and bundles automated invoice capture and accounting sync, making it the more broadly usable free option for teams willing to adopt its card.
- Permanent free plan: unlimited corporate cards, automated invoice capture, and QuickBooks Online/Xero sync with no disclosed minimum balance
- Plus plan adds AI-driven expense review, real-time budget tracking, and NetSuite/Sage Intacct sync for $15/mo/user
- Accounting sync is included on the free tier, not gated behind a paid plan
- Built around Ramp's own corporate card — teams that want to keep an existing card program will need Expensify instead
- Multi-entity support and premium ERP integrations (Workday, Oracle Fusion) require the custom Enterprise plan
Expensify
Expensify is a card-agnostic expense reporting and reimbursement tool that's free for individuals, with flat per-member pricing for teams.
- Card-agnostic — works with any corporate card program, unlike Ramp's card-first model
- Permanently free for individual use, not just a time-limited trial
- Collect plan is a flat $5/member/mo with no annual commitment required once the trial ends
- Team usage isn't free — only a 30-day trial before Collect/Control billing starts
- Control plan pricing varies sharply by commitment: $9/active member/mo with an annual term and the Expensify Card, up to $36/mo with no commitment
Frequently Asked Questions
Does Ramp require switching to its own corporate card? +
Yes — Ramp's free tier and core platform are built around its own card. If you need to keep an existing card program, Expensify's card-agnostic model is the better fit.
Is Expensify actually free? +
Only for individual use. Teams get a 30-day free trial, then move to paid billing — flat $5/member/mo on Collect, or $9–36/active member/mo on Control depending on commitment level and card usage. Ramp's free plan, by contrast, has no time limit for teams.
Which tool is cheaper for a small team? +
Ramp's free plan covers unlimited cards and basic expense management at no cost, with no disclosed minimum balance. Expensify's team pricing starts at $5/member/mo on Collect after the trial ends, so Ramp is typically the lower-cost option for teams willing to use its card.