Best Small-Business Expense Trackers of 2025
Business expense trackers organize your expenses and highlight where you spend the most money. Consider what features you need and the cost of the software.
Learn more | Product | Best for | NerdWallet rating | Starting at | Promotion | Learn more |
|---|---|---|---|---|---|
 Xero | Accounting software with business expense tracking features | $25/month Additional pricing tiers (per month): $55, $90. | 90% off for 6 months. | on Xero's website | |
 QuickBooks Online | Accounting software with business expense tracking features | $38/month Additional pricing tiers (per month): $75, $115, $275. | 50% off for 3 months or free 30-day trial. | on QuickBooks' website | |
 FreshBooks | Accounting software with business expense tracking features | $21/month Additional pricing tiers (per month): $38, $65, custom. | 60% off for the first 3 months (applies to new FreshBooks subscriptions). | on FreshBooks' website | |
 Zoho Expense | Mobile expense tracking app | $0 Additional pricing tiers (per user per month): $5, $9, custom. | 14-day free trial | on Zoho Expense's website | |
 Expensify | Overall business expense tracker | $5/month Per user. Additional pricing tiers (per user per month): $9 under annual subscription. | N/A | ||
 SAP Concur Expense | Business expense tracker for midsize and enterprise businesses | N/A | 15-day free trial |
Our pick for simple accounting software
Xero
Best for Accounting software with business expense tracking features
Starting at
$25/month
Additional pricing tiers (per month): $55, $90.
Promotion
90% off
for 6 months.
on Xero's website
Pros
- Unlimited users in all pricing plans.
- Integrates with more than 1,000 third-party apps.
- Feature set includes an excellent mobile app and suite of reports, capable invoicing features, plus automated bill and receipt capture through Hubdoc.
- Simple layout and easy to use.
Cons
- No inbound phone customer support (callbacks are available, though).
- Entry-level plan limits bills and invoices to five and 20 per month, respectively.
- Must subscribe to the highest-tier Established plan to claim expenses.
QuickBooks Online
Best for Accounting software with business expense tracking features
Starting at
$38/month
Additional pricing tiers (per month): $75, $115, $275.
Promotion
50% off
for 3 months or free 30-day trial.
on QuickBooks' website
Pros
- Easy to share information with your accountant and to find QuickBooks experts and online resources if needed.
- More than 750 app integrations.
- Robust feature set includes record-keeping, reporting, invoicing and inventory management, plus a capable mobile app.
- Chat and phone support available Monday through Saturday in all plans.
Cons
- Expensive compared with the competition.
- Frequent price increases and a tendency toward upselling.
- Limited account users with each plan.
FreshBooks
Best for Accounting software with business expense tracking features
Starting at
$21/month
Additional pricing tiers (per month): $38, $65, custom.
Promotion
60% off
for the first 3 months (applies to new FreshBooks subscriptions).
on FreshBooks' website
Pros
- Stay in touch with clients through the FreshBooks mobile app and get notified when invoices have been viewed or become overdue.
- Intuitive, customizable invoicing capabilities compete with those of more robust accounting solutions.
- Track time and add billable hours to invoices in all plans.
- Weekday phone support in all plans.
Cons
- Highest-tier Select plan only comes with two users (additional users add $11 per month) and lower-tier plans put limits on billable clients.
- Least expensive plan lacks double-entry accounting reports, bank reconciliation and accountant access.
Zoho Expense
Best for Mobile expense tracking app
Starting at
$0
Additional pricing tiers (per user per month): $5, $9, custom.
Promotion
14-day free trial
on Zoho Expense's website
Pros
- Offers a free plan.
- All plans, even the free one, include popular accounting software integrations.
- Extensive list of expense management features, many included in the lowest-tier paid plan.
- Feature-rich mobile apps for iOS, Android, iPad, Mac and Apple Watch.
Cons
- User and receipt scan limits in free plan may necessitate upgrading to a paid plan.
Expensify
Best for Overall business expense tracker
Starting at
$5/month
Per user. Additional pricing tiers (per user per month): $9 under annual subscription.
Promotion
$0
Pros
- Integrates with popular accounting and HR software.
- Can scale as your business grows.
- Includes many features beyond expense tracking, including invoicing, bill pay and travel management.
Cons
- Pricing isn’t fully transparent.
- Per-user pricing can add up quickly if you have more than a few employees.
SAP Concur Expense
Best for Business expense tracker for midsize and enterprise businesses
Promotion
15-day free trial
Pros
- Automated features make expense capture and reporting quick and easy.
- In-depth dashboards and reporting for business spend insights.
- Integrates with QuickBooks and Xero.
Cons
- Lack of pricing transparency.
Sort by:
Our pick for simple accounting software
Starting at
$25/month
Additional pricing tiers (per month): $55, $90.
Promotion
90% off
for 6 months.
on Xero's website
Pros
- Unlimited users in all pricing plans.
- Integrates with more than 1,000 third-party apps.
- Feature set includes an excellent mobile app and suite of reports, capable invoicing features, plus automated bill and receipt capture through Hubdoc.
- Simple layout and easy to use.
Cons
- No inbound phone customer support (callbacks are available, though).
- Entry-level plan limits bills and invoices to five and 20 per month, respectively.
- Must subscribe to the highest-tier Established plan to claim expenses.
Our pick for simple accounting software
Xero
Best for Accounting software with business expense tracking features
Best for Accounting software with business expense tracking features
Starting at
$25/month
Additional pricing tiers (per month): $55, $90.
Promotion
90% off
for 6 months.
on Xero's website
Pros
- Unlimited users in all pricing plans.
- Integrates with more than 1,000 third-party apps.
- Feature set includes an excellent mobile app and suite of reports, capable invoicing features, plus automated bill and receipt capture through Hubdoc.
- Simple layout and easy to use.
Cons
- No inbound phone customer support (callbacks are available, though).
- Entry-level plan limits bills and invoices to five and 20 per month, respectively.
- Must subscribe to the highest-tier Established plan to claim expenses.
Starting at
$38/month
Additional pricing tiers (per month): $75, $115, $275.
Promotion
50% off
for 3 months or free 30-day trial.
on QuickBooks' website
Pros
- Easy to share information with your accountant and to find QuickBooks experts and online resources if needed.
- More than 750 app integrations.
- Robust feature set includes record-keeping, reporting, invoicing and inventory management, plus a capable mobile app.
- Chat and phone support available Monday through Saturday in all plans.
Cons
- Expensive compared with the competition.
- Frequent price increases and a tendency toward upselling.
- Limited account users with each plan.
QuickBooks Online
Best for Accounting software with business expense tracking features
Best for Accounting software with business expense tracking features
Starting at
$38/month
Additional pricing tiers (per month): $75, $115, $275.
Promotion
50% off
for 3 months or free 30-day trial.
on QuickBooks' website
Pros
- Easy to share information with your accountant and to find QuickBooks experts and online resources if needed.
- More than 750 app integrations.
- Robust feature set includes record-keeping, reporting, invoicing and inventory management, plus a capable mobile app.
- Chat and phone support available Monday through Saturday in all plans.
Cons
- Expensive compared with the competition.
- Frequent price increases and a tendency toward upselling.
- Limited account users with each plan.
Starting at
$21/month
Additional pricing tiers (per month): $38, $65, custom.
Promotion
60% off
for the first 3 months (applies to new FreshBooks subscriptions).
on FreshBooks' website
Pros
- Stay in touch with clients through the FreshBooks mobile app and get notified when invoices have been viewed or become overdue.
- Intuitive, customizable invoicing capabilities compete with those of more robust accounting solutions.
- Track time and add billable hours to invoices in all plans.
- Weekday phone support in all plans.
Cons
- Highest-tier Select plan only comes with two users (additional users add $11 per month) and lower-tier plans put limits on billable clients.
- Least expensive plan lacks double-entry accounting reports, bank reconciliation and accountant access.
FreshBooks
Best for Accounting software with business expense tracking features
Best for Accounting software with business expense tracking features
Starting at
$21/month
Additional pricing tiers (per month): $38, $65, custom.
Promotion
60% off
for the first 3 months (applies to new FreshBooks subscriptions).
on FreshBooks' website
Pros
- Stay in touch with clients through the FreshBooks mobile app and get notified when invoices have been viewed or become overdue.
- Intuitive, customizable invoicing capabilities compete with those of more robust accounting solutions.
- Track time and add billable hours to invoices in all plans.
- Weekday phone support in all plans.
Cons
- Highest-tier Select plan only comes with two users (additional users add $11 per month) and lower-tier plans put limits on billable clients.
- Least expensive plan lacks double-entry accounting reports, bank reconciliation and accountant access.
Starting at
$0
Additional pricing tiers (per user per month): $5, $9, custom.
Promotion
14-day free trial
on Zoho Expense's website
Pros
- Offers a free plan.
- All plans, even the free one, include popular accounting software integrations.
- Extensive list of expense management features, many included in the lowest-tier paid plan.
- Feature-rich mobile apps for iOS, Android, iPad, Mac and Apple Watch.
Cons
- User and receipt scan limits in free plan may necessitate upgrading to a paid plan.
Zoho Expense
Best for Mobile expense tracking app
Best for Mobile expense tracking app
Starting at
$0
Additional pricing tiers (per user per month): $5, $9, custom.
Promotion
14-day free trial
on Zoho Expense's website
Pros
- Offers a free plan.
- All plans, even the free one, include popular accounting software integrations.
- Extensive list of expense management features, many included in the lowest-tier paid plan.
- Feature-rich mobile apps for iOS, Android, iPad, Mac and Apple Watch.
Cons
- User and receipt scan limits in free plan may necessitate upgrading to a paid plan.
Starting at
$5/month
Per user. Additional pricing tiers (per user per month): $9 under annual subscription.
Promotion
$0
Pros
- Integrates with popular accounting and HR software.
- Can scale as your business grows.
- Includes many features beyond expense tracking, including invoicing, bill pay and travel management.
Cons
- Pricing isn’t fully transparent.
- Per-user pricing can add up quickly if you have more than a few employees.
Expensify
Best for Overall business expense tracker
Best for Overall business expense tracker
Starting at
$5/month
Per user. Additional pricing tiers (per user per month): $9 under annual subscription.
Promotion
$0
Pros
- Integrates with popular accounting and HR software.
- Can scale as your business grows.
- Includes many features beyond expense tracking, including invoicing, bill pay and travel management.
Cons
- Pricing isn’t fully transparent.
- Per-user pricing can add up quickly if you have more than a few employees.
Promotion
15-day free trial
Pros
- Automated features make expense capture and reporting quick and easy.
- In-depth dashboards and reporting for business spend insights.
- Integrates with QuickBooks and Xero.
Cons
- Lack of pricing transparency.
SAP Concur Expense
Best for Business expense tracker for midsize and enterprise businesses
Best for Business expense tracker for midsize and enterprise businesses
Promotion
15-day free trial
Pros
- Automated features make expense capture and reporting quick and easy.
- In-depth dashboards and reporting for business spend insights.
- Integrates with QuickBooks and Xero.
Cons
- Lack of pricing transparency.
Jump to
What is a business expense tracker?
A business expense tracker is software that provides insight into your business’s spending habits. These services can save you time and money and help your employees operate more efficiently. This can make your life (and your accountant’s) a whole lot easier come tax season.
All expense tracking software must comply with the Sarbanes-Oxley Act (SOX), also known as the “Public Company Accounting Reform and Investor Protection Act.” The purpose of SOX is to protect investors by improving the accuracy and reliability of corporate disclosures.
In addition, all business expense tracker apps should provide data storage for up to seven years. This is required by the IRS should an audit request ever be made.
How do business expense trackers work?
Business expense trackers are typically accessible online or with an app on your mobile device. When you sign up with a provider, you will receive an account and access for a set number of employees.
Sign-up processes differ from product to product, but most trackers require some basic business and banking information. To get the most out of the software, you'll want to link it to a business checking account business credit card
Business expense trackers organize expenses and highlight where you spend the most money. They can also help you avoid overspending. For instance, you can group all inventory marketing cash flow
How to choose a business expense tracker
Consider business expense trackers that are made specifically for your most common type of spending. For example, if your employees drive a lot for work, narrow your choices to software products that primarily track mileage. Additionally, make sure the tracker integrates with your accounting software
Beyond that, most business expense trackers contain at least a couple of the following features. Determine which trackers have the best versions of the features you plan to use most.
User interface
If employees will submit expenses on behalf of the business, it should be easy for them to get set up and use the software. Finding a platform that is simple and accessible can save you logistical headaches down the road. If you have employees outside of the country, you will want to make sure they can access the software in their local language and submit expenses in their local currency (the software should do the conversion).
Mobile access
Part of being user-friendly means also having a robust mobile app. After all, the best way to track expenses is to input them into your system as soon as possible.
To that end, your app should have receipt image capture technology. This allows you to snap pictures of receipts with your phone and upload them directly to the app. The best business expense trackers have optical character recognition, which automatically converts handwritten or printed text into machine-encoded text, allowing you to glean as much specific information as possible from receipts without manually entering any information.
Analytics
Your business expense tracker should be able to organize expense data to help you better understand where your money is going. For example, you should be able to see the differences in spending week to week, month to month and year to year. You should also be able to create budgets and assign expenses to a specific project to see if you are spending within your means.
Methodology
NerdWallet independently reviews accounting software products before determining our top picks. We collect the data for our software ratings from products’ public-facing websites and from company representatives. Information is gathered on a regular basis and reviewed by our editorial team for consistency and accuracy.
NerdWallet’s accounting software ratings favor products that are easy to use, reasonably priced, have a robust feature set and can grow with your business. The best accounting software received top marks when evaluated across 10 categories and more than 30 subcategories. Learn more about how we rate small-business accounting software
These ratings are meant to provide clarity in the decision-making process, but what’s best for your business will depend on its size, growth trajectory and which features you need most. We encourage you to research and compare multiple accounting software products before choosing one.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines