Top 9 of 46 alternatives
Zoho Books and FreeAgent: 9 Expensify alternatives (2026)
The closest alternatives to Expensify in October 2026 are Zoho Books, FreeAgent and Puzzle.
9 tools compared · entry plans $13.40 to $79 a month · 2 with a free plan · prices checked 26–28 October 2026
Reviewed by the Tick Mark Books editorial team.
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Expensify and its alternatives at a glance
| Tool | Best for | Starts at | A month at 100 transactions | Better than Expensify at | Checked |
|---|---|---|---|---|---|
| Expensify | Small finance teams that want receipts, cards and reimbursements feeding one ledger | Free, then $5 a seat a month source | Does not apply | 26 October 2026 | |
| Zoho Books | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month source | $20 | Ledger included, Reconciles your accounts | 26 October 2026 |
| FreeAgent | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $13 a month source | About $25 | Promotion and regular price, Ledger included | 26 October 2026 |
| Puzzle | 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 | A business or bookkeeping firm already on QuickBooks Online or Xero | Price not established | $156 | Getting your books out | 26 October 2026 |
| Stampli | Finance teams with high invoice volume, many approvers and several entities | On quote source | — | 26 October 2026 | |
| Pilot | 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 | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month source | $106 | Reconciles your accounts, Accrual books and reports | 27 October 2026 |
| QuickBooks Online | Small businesses that want one ledger plus payroll, payments and an accountant login | Free, then $38 a month source | $38 | Promotion and regular price, Ledger included | 28 October 2026 |
| Dext | Small businesses and firms feeding receipts and supplier bills into QuickBooks or Xero | From $31.50 a month source | 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.
Closest alternatives to Expensify
The ones people open most here come first, then the closest matches. How we rank
- From Free
Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.
Why it's on this listLedger included: YesZoho 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.
- From £10 a month (about $13)
UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.
Why it's on this listPromotion and regular price: Yespromotion: 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.
- Price not established
AI-native accounting software with optional bookkeeper services for startups and small businesses.
Why it's on this listLedger included: YesIt 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').
The rest of the shortlist
- Price not established
Booke AI
An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.
- On quote
Stampli
Procure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing.
- Price not established
Pilot
A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.
- From $79 a month
SimpleAI
AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.
- From Free
QuickBooks Online
Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors.
- From $31.50 a month
Dext
Captures receipts, invoices and statements, codes them and publishes to QuickBooks, Xero or Sage.
Compare Expensify with the shortlist
Compare alternatives to Expensify
The digest
What changed in tools. New tools and articles, by email, at most once a week.
Questions buyers ask
What are the best alternatives to Expensify?
Zoho Books, FreeAgent and Puzzle are the closest. They share the most of Expensify's features.
What is the cheapest alternative to Expensify?
2 of the 9 have a free plan: Zoho Books and QuickBooks Online. The lowest paid plan is FreeAgent, from about $13 a month. Price checked on 26 October 2026.
How much do Expensify alternatives cost?
Entry plans run from $13.40 to $79 a month, and half cost $31.50 or less.
When were these prices checked?
We read each price between 26 October 2026 and 28 October 2026 on the maker's own pricing page.
Sources and method
Closest first: most of Expensify's features, then the fewest gaps. How we rank
Every price was read on the maker's own pricing page.
- Expensify: expensify.com/pricing, checked 26 October 2026
- Zoho Books: zoho.com/us/books/pricing, checked 26 October 2026
- FreeAgent: freeagent.com/pricing, checked 26 October 2026
- Stampli: stampli.com/pricing, checked 26 October 2026
- SimpleAI: simpleaiworks.com/en/pricing, checked 27 October 2026
- QuickBooks Online: quickbooks.intuit.com/pricing, checked 28 October 2026
- Dext: dext.com/us/business/pricing, checked 27 October 2026
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