# Alternatives to Expensify

> Source: https://tickmarkbooks.com/expensify/alternatives/ (re-verified)
> Updated: 28 October 2026

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than Expensify at | Checked |
| --- | --- | --- | --- | --- | --- |
| [Expensify](https://tickmarkbooks.com/expensify.md) | Small finance teams that want receipts, cards and reimbursements feeding one ledger | Free, then $5 a seat a month | Does not apply | — | 26 October 2026 |
| [Zoho Books](https://tickmarkbooks.com/zoho-books.md) | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month | $20 | Ledger included, Reconciles your accounts | 26 October 2026 |
| [FreeAgent](https://tickmarkbooks.com/freeagent.md) | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $13 a month | About $25 | Promotion and regular price, Ledger included | 26 October 2026 |
| [Puzzle](https://tickmarkbooks.com/puzzle.md) | A US startup on Mercury, Brex, Ramp, Stripe and Gusto that wants to replace QuickBooks | Price not established | $30 | Ledger included, Accrual books and reports | 26 October 2026 |
| [Booke AI](https://tickmarkbooks.com/booke-ai.md) | A business or bookkeeping firm already on QuickBooks Online or Xero | Price not established | $156 | Getting your books out | 26 October 2026 |
| [Stampli](https://tickmarkbooks.com/stampli.md) | Finance teams with high invoice volume, many approvers and several entities | On quote | — | — | 26 October 2026 |
| [Pilot](https://tickmarkbooks.com/pilot.md) | A US startup or small business that wants its books done for it in QuickBooks Online | Price not established | $137 | Reconciles your accounts, Accrual books and reports | 26 October 2026 |
| [SimpleAI](https://tickmarkbooks.com/simpleai.md) | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month | $106 | Reconciles your accounts, Accrual books and reports | 27 October 2026 |
| [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online.md) | Small businesses that want one ledger plus payroll, payments and an accountant login | Free, then $38 a month | $38 | Promotion and regular price, Ledger included | 28 October 2026 |
| [Dext](https://tickmarkbooks.com/dext.md) | Small businesses and firms feeding receipts and supplier bills into QuickBooks or Xero | From $31.50 a month | Does not apply | Promotion and regular price, Your accountant can sign in | 27 October 2026 |

“About” figures are converted at the European Central Bank rate of 30 October 2026.

The ones people open most here come first, then the closest matches.

## Shortlist

### 1. Zoho Books

Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.

**Where it improves on Expensify:**
- [Ledger included: yes — Zoho Books is the accounting ledger itself, so no QuickBooks or Xero subscription sits underneath it; the plan fee covers invoicing, banking, journals and the reports.](https://www.zoho.com/us/books/pricing/)
- [Reconciles your accounts: yes — Bank and card accounts are reconciled inside the product, with matched and pending transactions in one view and reconciliation statements exportable as PDF per account and date range.](https://www.zoho.com/us/books/accounting-software/bank-reconciliation/)
- [Accrual books and reports: yes — Profit and loss, balance sheet and cash flow sit among 70+ built-in reports you can run at any time; the pages read do not state whether the books are kept on a cash or accrual basis.](https://www.zoho.com/us/books/accounting-software/accounting-financial-reports/)

**Trade-offs against Expensify:**
- [Past your plan’s limits: partial — Each plan caps annual invoices and bills/expenses (5,000 a year on Standard) and the vendor's stated remedy is to email sales for a higher limit rather than a published overage rate.](https://www.zoho.com/us/books/pricing/)
- [Categorizes transactions: partial — Zia pre-fills the account and vendor against each imported bank line, so it suggests rather than posts by itself, and the page does not claim it learns from your corrections.](https://www.zoho.com/us/books/accounting-software/ai-in-accounting/)
- [Pays your bills: partial — Bills and vendor approvals are in the paid plans, but paying vendors by ACH with two- and three-way matching is the separate BillPay add-on at $59 a month billed annually ($69 monthly).](https://www.zoho.com/us/books/pricing/)

[View Zoho Books](https://tickmarkbooks.com/zoho-books)

### 2. FreeAgent

UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.

**Where it improves on Expensify:**
- [Promotion and regular price: yes — promotion: every paid plan is advertised at 50% off for the first six months (or first year on annual billing), after which the regular published price applies.](https://www.freeagent.com/pricing/)
- [Ledger included: yes — FreeAgent is the accounting ledger itself: it keeps the books, builds the accounting reports and files the returns, so no QuickBooks or Xero subscription sits underneath it.](https://www.freeagent.com/features/accounting-software/)
- [Reconciles your accounts: yes — A Bank Reconciliation report compares the FreeAgent balance with the bank statement balance for each account; you run and review it yourself rather than it closing the month for you.](https://support.freeagent.com/hc/en-gb/articles/7096372611346-Bank-Reconciliation-report)

**Trade-offs against Expensify:**
- [Past your plan’s limits: partial — No transaction cap is published, but Smart Capture is metered: ten receipts and bills a calendar month as standard, and more only via the £5 (about $6.70) unlimited add-on.](https://www.freeagent.com/pricing/)
- [What the AI costs: partial — included in every plan for smart categorization and the first ten captures a month; processing more than ten receipts or bills needs the £5 (about $6.70)-a-month Smart Capture Unlimited add-on.](https://www.freeagent.com/pricing/)
- [Pays your bills: partial — Bills are captured, recorded and tracked as accounts payable inside FreeAgent, but actually paying them is left to partner products in its own Payment solutions directory rather than done in the product.](https://www.freeagent.com/features/expenses/)

[View FreeAgent](https://tickmarkbooks.com/freeagent)

### 3. Puzzle

AI-native accounting software with optional bookkeeper services for startups and small businesses.

**Where it improves on Expensify:**
- [Ledger included: yes — It is the ledger; no QuickBooks or Xero needed. Puzzle is a double-entry general ledger of its own, sold as a QuickBooks replacement (Core card: 'Your QuickBooks replacement').](https://puzzle.io/legal/faq)
- [Accrual books and reports: partial — Cash and accrual P&L and balance sheet; no cash flow. Every plan keeps cash and accrual books at once ('Cash & accrual books' on Starter) and drafts a balance sheet and profit and loss.](https://help.puzzle.io/en/articles/8441346-what-reports-does-puzzle-provide)
- [Stripe: yes — Stripe and Gusto yes](https://puzzle.io/integrations/stripe)

**Trade-offs against Expensify:**
- [Past your plan’s limits: partial — Moved up a plan; only AI credits priced. Seats: Starter 1, Core 5, Complete and Scale unlimited; more users means a higher plan.](https://help.puzzle.io/en/articles/17063329-puzzle-accounting-services-expert-reviewed-full-service-add-ons)
- [Reads receipts and bills: partial — Reads an uploaded receipt; no stated matching. You can attach documents to a transaction or bill.](https://help.puzzle.io/en/articles/15138987-month-end-close-with-ai-close)
- [Pays your bills: partial — Records bills; payment through Ramp or Bill.com. Bills can be entered, imported by CSV or synced from Ramp and Bill.com, matched to payments and shown in AP aging.](https://help.puzzle.io/en/articles/9165703-faq-accounts-payable)

[View Puzzle](https://tickmarkbooks.com/puzzle)

### 4. Booke AI

An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.

**Where it improves on Expensify:**
- [Getting your books out: yes — Books stay in your ledger; 30 days to export the rest. The ledger never leaves QuickBooks Online or Xero, so the general ledger and reports stay with you.](https://booke.ai/data-handling)

**Trade-offs against Expensify:**
- [Sends invoices: partial — Matches payments to ledger invoices; sends none. It matches incoming payments to invoices that already exist in QuickBooks Online or Xero, including multi-invoice payments.](https://booke.ai/quickbooks-online)
- [Accuracy the vendor claims: no — No accuracy figure; claims up to 80% of feed work. No categorization accuracy figure is published.](https://booke.ai/bookkeeping-ai)
- [NetSuite: no — not Desktop or NetSuite.](https://booke.ai/bookkeeping-ai)

[View Booke AI](https://tickmarkbooks.com/booke-ai)

### 5. Stampli

Procure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing.

**Where it improves on Expensify:**

**Trade-offs against Expensify:**
- [Payroll: no — none built in: approved out-of-pocket claims are prepared for whatever payroll the company already uses, and the vendor says payroll still pays the employee.](https://www.stampli.com/expenses/)
- [Platforms: partial — web is the main place it runs, with mobile approvals and a mobile capture flow for receipts and mileage; the vendor never names Windows, Mac, iOS or Android.](https://www.stampli.com/expenses/)
- [Other currencies: partial — Payments to vendors abroad can go out in a foreign currency, but domestic payments are in US dollars and multi-currency accounting stays with your accounting system.](https://www.stampli.com/terms/)

[View Stampli](https://tickmarkbooks.com/stampli)

### 6. Pilot

A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.

**Where it improves on Expensify:**
- [Reconciles your accounts: yes — Bank and card accounts reconciled each month. Essentials: AI reconciles accounts and closes the books monthly.](https://pilot.com/pricing)
- [Accrual books and reports: partial — Cash basis on Essentials; accrual on Core. Essentials is cash-basis bookkeeping only.](https://pilot.com/pricing)
- [Stripe: yes — Stripe, Shopify, Gusto yes](https://pilot.com/platform/integrations)

**Trade-offs against Expensify:**
- [Past your plan’s limits: partial — Moved up a band from your 3-month average. No per-unit overage price.](https://pilot.com/faq)
- [Setup or onboarding fee: yes — Onboarding charge equal to one month. A one-time onboarding charge equal to one month of bookkeeping on every plan (so $99 on Essentials and $399 to $1,199 on Core, by band, at monthly billing).](https://pilot.com/faq)
- [Pays your bills: partial — Bill payment is an add-on; Core manages 10 bills. Accounts payable is not in the bookkeeping plans by default.](https://pilot.com/faq)

[View Pilot](https://tickmarkbooks.com/pilot)

### 7. SimpleAI

AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.

**Where it improves on Expensify:**
- [Reconciles your accounts: yes — Reconciliation is on every published SAAM plan: it matches your transactions against bank feed entries and flags mismatches, and converts statements into reconciled, accounting-ready transactions.](https://simpleaiworks.com/en/solutions/accounting-automation)
- [Accrual books and reports: partial — Financial statements come from NOVA, which generates Balance Sheets and Cash Flow Statements on request, whereas SAAM prepares entries for your own ledger to report from; neither page says the books are kept on an accrual basis.](https://simpleaiworks.com/en/solutions/nova)
- [Your accountant can sign in: yes — Unlimited users on every SAAM plan means an external accountant or bookkeeper can be invited in at no extra charge; NOVA's plans instead cap users at one, three, ten or fifty.](https://simpleaiworks.com/en/pricing)

**Trade-offs against Expensify:**
- [Pays your bills: partial — Bills are captured and classified and every plan includes an approval workflow, but the agent's documented end point is publishing entries into your accounting software, not paying suppliers.](https://simpleaiworks.com/en)
- [Sends invoices: partial — Sending invoices belongs to the other product lines, not SAAM: NOVA handles invoices and AR aging conversationally, and the e-Invoicing module issues Peppol invoices for Singapore, while SAAM only extracts AR documents.](https://simpleaiworks.com/en/solutions/nova)
- [Accuracy the vendor claims: partial — The vendor claims high precision in extraction and classification and says accuracy improves with your corrections, but it publishes no accuracy percentage and no description of how any figure was measured.](https://simpleaiworks.com/en/contact)

[View SimpleAI](https://tickmarkbooks.com/simpleai)

### 8. QuickBooks Online

Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors.

**Where it improves on Expensify:**
- [Promotion and regular price: yes — promotion: every paid plan card shows a half-price figure for three months beside the struck-through regular price, so Simple Start is $19 then $38, Plus $70 then $140.](https://quickbooks.intuit.com/pricing/)
- [Ledger included: yes — This is the accounting ledger itself, not an add-on to someone else's books, so no separate QuickBooks or Xero subscription sits underneath the price.](https://quickbooks.intuit.com/accounting/)
- [Accrual books and reports: yes — Profit and loss and balance sheet reports are produced on every tier including Free; the pages read do not state whether the books are kept on an accrual basis or name a cash flow statement.](https://quickbooks.intuit.com/pricing/)

**Trade-offs against Expensify:**
- [Past your plan’s limits: partial — The only published ceilings sit on the Free plan, one connected bank and two invoices a month, and the pages read never say what happens when you reach them beyond upgrading.](https://quickbooks.intuit.com/pricing/)
- [Notice before a price rise: no — Intuit's own footnote reserves the right to change pricing without notice, so the terms promise no notice period before a renewal price rises.](https://quickbooks.intuit.com/accountants/)
- [Payroll: partial — add-on: payroll is bought as a bundle alongside the ledger, quoted at $88 plus $6.50 per employee when paired with Simple Start, not included in any accounting plan price.](https://quickbooks.intuit.com/payroll/pricing/)

[View QuickBooks Online](https://tickmarkbooks.com/quickbooks-online)

### 9. Dext

Captures receipts, invoices and statements, codes them and publishes to QuickBooks, Xero or Sage.

**Where it improves on Expensify:**
- [Promotion and regular price: yes — yearly shown monthly: the plan card opens on the Annual tab showing $25.21 per month, which is the annual rate ($302.50 billed annually); the month-to-month rate is $31.50, and the AI Assist add-on is $10.5 per month only until 31 Jan 2027.](https://dext.com/us/business/pricing)
- [Your accountant can sign in: yes — The cheapest plan already includes five users, each with their own login and chosen permissions, so an accountant or bookkeeper can be invited inside the included allowance.](https://dext.com/us/business-type/business-owners/faqs)
- [Shopify: yes — Shopify, eBay, Etsy and Squarespace sales come in through the Commerce Lite add-on from $7.50 a month, and a Square partnership is announced](https://dext.com/us/business/product/connect-to-ecommerce)

**Trade-offs against Expensify:**
- [What the AI costs: partial — add-on: extraction and auto-categorization come with every plan, but the AI Assist agent is a priced add-on at $10.5 a month on business plans and $7 per client on practice plans.](https://dext.com/us/business/pricing)
- [Pays your bills: no — Dext captures supplier bills and routes them through approval rules, but the US product page heads the payment half 'Coming soon', so paying suppliers from Dext is announced rather than shipped here.](https://dext.com/us/business/product/dext-payments)
- [QuickBooks Desktop: no — QuickBooks Desktop and NetSuite are named nowhere.](https://dext.com/us/business-type/business-owners/faqs)

[View Dext](https://tickmarkbooks.com/dext)