Zoho Expense for most small businesses in India, free for up to 3 users; Happay for larger companies that want prepaid corporate cards.

Zoho Expense's Standard plan is ₹79 a user a month billed annually, with a 5-user minimum, and greytHR's expense add-on is ₹35 a user a month if you already run it. Keep the supplier's GST invoice with each claim so you can claim input tax credit. In the US, Ramp's free plan bundles a card with expense tracking, and Expensify's Collect plan is $5 a member a month.

The picksPrices as each maker's page states them

1
Zoho Expense
Most small businesses in India scanning receipts and reimbursing

Free plan; Standard ₹79, Premium ₹149 a user a month billed yearly (₹99 and ₹199 billed monthly) Read from zoho.com on 10 November 2026 Free plan for small businesses starting out
2
greytHR
You already run greytHR for HR and payroll

Essential ₹2,495 a month including 50 employees (₹45 per extra employee); Growth ₹4,495 (₹85 per extra) Read from greythr.com on 10 November 2026
3
Happay
Larger Indian companies wanting prepaid cards and travel booking

No price we could read on happay.com.
4
Ramp
A US business that wants a corporate card with tracking

Free $0 a user a month; Plus $15 a user a month plus a platform fee based on team size Read from ramp.com on 10 November 2026 Free plan at $0 a user a month
5
Expensify
US teams with receipts to scan and reimburse

Submit free; Collect $5 a member a month; Control from $9 an active member a month Read from expensify.com on 10 November 2026 Free: Submit plan free for all members

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Which expense management app should a small business use? Starting Up

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