Zoho Expense review

Zoho Expense is the low-cost choice for teams that want classic expense reports done well. The Free plan covers up to 3 users with AI receipt capture, expense reports, personal card tracking, GPS mileage, accounting integrations and multi-currency expenses. Standard costs $3 per user per month billed annually or $4 monthly and adds itemized receipt capture in 38+ languages, corporate card management with real-time Visa and Mastercard feeds, multiple policies, cash advances, ACH payments, direct bank reimbursements, single sign-on and Zia AI for expense audits that flag fraud and alcohol. Premium, at $5 billed annually, adds self-booking travel, a travel desk, GSA compliant per diems, live budget tracking and multi-entity management. Zoho also offers a prepaid Mastercard, but it is not a credit card program like Ramp or Brex. ERP and HRMS integrations cost extra.

Who it is for

Small businesses that want low per-user pricing and already use Zoho Books or other Zoho apps.

Price

Free for up to 3 users; Standard $3 per user per month billed annually ($4 monthly); Premium $5 annually ($6 monthly).

Additional users will be charged at: Standard plan: Monthly: $ 4 per user Yearly subscription: $ 3 per user
Quoted from the vendor pricing page on November 6, 2026.

Key features

• Receipt capture with AI OCR in 38+ languages
• Real-time card feeds for Visa and Mastercard
• Direct bank reimbursements and ACH payments
• Cash advance management and multiple expense policies
• GSA compliant per diem and self-booking travel on Premium

Strengths and weaknesses

• Strength: Free plan for up to 3 users with receipt OCR and mileage by GPS
• Strength: Standard costs $3 per user per month billed annually
• Strength: Travel desk, per diems and live budgets on Premium at $5
• Weakness: Free plan has 5 GB of receipt storage and email support only
• Weakness: ERP and HRMS integrations are an add-on
• Weakness: Travel self booking is an add-on at $9.99 per trip below Premium

Key facts

• Free plan: Yes, up to 3 users
• Standard: $3 per user per month billed annually, $4 monthly
• Premium: $5 per user per month billed annually, $6 monthly

Where it ranks

Zoho Expense is No. 5 in our Best Expense Management Software verdict.