Free Expense Management software with a free plan (October 2026)

5 of the 11 Expense Management tools we track have a free plan. 1 of them also offer a free trial of a paid plan.

Free Expense Management plans compared

Tool	Free plan limits	Upgrade from	Free trial	Prices checked
ArborArbor for Business	Some supplier rate plans carry an early termination fee if you end the plan before its term; quoted rates expire at 11:59:59 PM Eastern on the day they're quoted, and emailed signature links expire after five days Fixed electricity supply rates that protect you from market swings An Arbor advisor who reviews your locations, usage and existing contract dates Ongoing market monitoring to secure a new fixed rate before each plan expires Same utility, same meter, same bill — only the supply rate changes	No paid price published	No	—
BILLSpend & Expense	Credit lines are not guaranteed and are determined upon application approval Unlimited physical and virtual cards Budgets with proactive spend controls AI-powered expense management and reimbursements Access to credit lines from $1,000–$5M	$49/moEssentials	Yes	—
EngineEngine (Free)	No contracts, no minimum spend, no agent-assist fees Business-exclusive rates with savings up to 60% Double rewards: hotel loyalty points plus Engine Rewards Reporting and budget controls with tailored travel policies 1,000,000+ properties worldwide, plus flights and car rentals	No paid price published	No	—
NavanNavan Business	For companies up to 300 employees; Expense free for the first 5 monthly expensing users, then $15 per user per month; no limit on trips booked Global travel inventory and exclusive rates Unlimited policy and approval workflows Self-serve changes and 24/7 travel support agents Navan Rewards program	No paid price published	No	—
Travel CodeStarter	1 travel policy, single-tier approvals, and no API access Unlimited travelers — no seat caps Booking across NDC, GDS, and LCC content Contracted hotel rates (2.5M accommodations) Trip Planner and travel document storage	$100/moPremium	No	—

How we compute this

A tool is listed when one of its published plans costs 0. Limits and features come from the vendor's plan description as captured on the check date.
The upgrade price is the cheapest paid plan per month, in the vendor's currency. Free plan limits change often: confirm them on the vendor page before relying on them.