SAME CATEGORY. YOUR PRIORITIES.
Expensify vs Navan
Compare evidence, costs and trade-offs. Adjust the criteria to reflect your own workflow.
MAKE THE SCORE YOURS
What matters most?
Core capabilities carry 32 points; workflow depth carries 68. AI contributes the category-specific weight shown below within those totals. Change group priorities and see every contribution update.
How the score is calculated →Documented fit across available plans · unknowns shown as ranges · no customer ratings
| Features & decision context |  Expensify61–100/100 documented fit Core capabilities29.6–32 / 32 pts9/10 checks with established status Workflow depth31.2–68 / 68 pts7/18 checks with established status | Navan46–100/100 documented fit Core capabilities23.2–32 / 32 pts7/10 checks with established status Workflow depth22.4–68 / 68 pts5/18 checks with established status |
|---|---|---|
| How AI changes fitSame priorities, with and without AI | 61–100 with AI57–100 without AIFeature-fit points; not measured ROI | 46–100 with AI42–100 without AIFeature-fit points; not measured ROI |
| Supplier website | Visit Expensify | Visit Navan |
| Good fit for | Teams that want receipt handling and expense collaboration without replacing every existing card. | Businesses where employee travel is a major source of spend and reconciliation work. |
| Look more closely when | You expect the advertised starting rate to define every company’s final contract. | Your main need is supplier AP and purchase-order management rather than travel and employee expenses. |
| Pricing snapshotDifferent billing units are not directly comparable | See pricingmember The official site advertises company plans starting at $5/member, but the checkout did not expose the full billing basis; a comparable numeric monthly total is therefore not quoted. Pricing source | $15.00additional monthly expensing user For businesses up to 300 employees, Expense is free for the first five monthly expensing users, then $15/user/month. Larger organizations receive a quote. Pricing source |
| Budgets, policies & approvals 24% base weight | ||
| Core capabilitySpending policies or limitsSet budgets, limits or policies governing company spend. | Supported4.8 / 4.8 pts Spend limits and policy checks are explicitly documented. Official documentation · Oct 15, 2026Source | Supported4.8 / 4.8 pts Business includes travel spending policies. Official documentation · Oct 15, 2026Source |
| Core capabilityExpense approval routingRoute spend or expense requests to the responsible approver. | Supported4.8 / 4.8 pts Approval workflows are documented. Official documentation · Oct 15, 2026Source | Supported4.8 / 4.8 pts Business includes approval workflows. Official documentation · Oct 15, 2026Source |
Depth checkReview policy exceptionsFlag a policy exception and allow a reviewer to approve, reject or request an explanation.Ask for a demonstrationSubmit an out-of-policy expense and show the exception review. A scenario to run with the supplier; not a completed product test. | Supported7.2 / 7.2 pts Policy violations can be submitted with explanations and remain flagged for review. Official documentation · Oct 15, 2026Source | Supported7.2 / 7.2 pts The exceptions queue presents out-of-policy transactions for manual review. Official documentation · Oct 15, 2026Source |
Depth checkDelegate or reroute approvalReassign an approval or let an authorized delegate act for an unavailable approver.Ask for a demonstrationMake an approver unavailable and complete the approval using the supported handover. A scenario to run with the supplier; not a completed product test. | Not verified0–7.2 / 7.2 pts The reviewed documentation does not establish this specific workflow: delegate or reroute approval. Not verified · Oct 15, 2026Source | Not verified0–7.2 / 7.2 pts Manager review is documented, but temporary delegate or approval rerouting was not established. Not verified · Oct 15, 2026Source |
| Receipts & reimbursements 16% base weight | ||
| Core capabilityReceipt collection & matchingCapture receipts and associate them with expenses. | Supported3.2 / 3.2 pts Receipts can be captured by photo or email and matched automatically. Official documentation · Oct 15, 2026Source | Supported3.2 / 3.2 pts Receipt scanning and connected-card expenses feed the expense system. Official documentation · Oct 15, 2026Source |
| Core capabilityEmployee reimbursementsSubmit and reimburse eligible employee out-of-pocket expenses. | Supported3.2 / 3.2 pts Company workspaces support reimbursement by direct deposit. Official documentation · Oct 15, 2026Source | Supported3.2 / 3.2 pts Approved receipt-backed expenses can be reimbursed through payroll or directly to an employee bank account. Official documentation · Oct 15, 2026Source |
Depth checkSplit expense allocationAllocate one expense across multiple accounting categories, projects or cost centers.Ask for a demonstrationSplit one receipt across two cost centers and show the resulting accounting lines. A scenario to run with the supplier; not a completed product test. | Supported4.8 / 4.8 pts Expenses split by category, tag, date or amount before approval. Official documentation · Oct 15, 2026Source | Not verified0–4.8 / 4.8 pts The reviewed documentation does not establish this specific workflow: split expense allocation. Not verified · Oct 15, 2026Source |
Depth checkMissing receipt follow-upRequest missing receipts or manage documented missing-receipt exceptions.Ask for a demonstrationSubmit an expense without a receipt and show the follow-up or exception path. A scenario to run with the supplier; not a completed product test. | Supported4.8 / 4.8 pts AI agents can request missing expense information and documentation. Official documentation · Oct 15, 2026Source | Supported4.8 / 4.8 pts Missing transaction information generates follow-up requests before accounting export. Official documentation · Oct 15, 2026Source |
| Vendor bills & payments 16% base weight | ||
| Core capabilitySupplier bill intakeCapture and review supplier invoices as accounts payable. | Supported3.2 / 3.2 pts Supplier bill capture and approval are listed product functions. Official documentation · Oct 15, 2026Source | Not verified0–3.2 / 3.2 pts Supplier accounts-payable intake was not established by travel and expense documentation. Not verified · Oct 15, 2026Source |
| Core capabilitySupplier bill paymentPay approved supplier bills through the offered product. | Supported3.2 / 3.2 pts Bill payment is explicitly listed as a product function. Official documentation · Oct 15, 2026Source | Not verified0–3.2 / 3.2 pts Supplier bill payment was not established by the reviewed sources. Not verified · Oct 15, 2026Source |
Depth checkDetect duplicate supplier billsDetect or flag a potential duplicate supplier invoice before payment.Ask for a demonstrationSubmit the same supplier invoice twice and show the duplicate warning. A scenario to run with the supplier; not a completed product test. | Not verified0–4.8 / 4.8 pts Expense duplicate checks are documented; supplier-invoice duplicate screening was not established. Not verified · Oct 15, 2026Source | Not verified0–4.8 / 4.8 pts Employee expense review is documented; duplicate supplier-bill screening was not established. Not verified · Oct 15, 2026Source |
Depth checkSeparate bill approval and paymentSeparate bill approval from permission to release a supplier payment.Ask for a demonstrationShow a bill approver who cannot release payment and an authorized payer. A scenario to run with the supplier; not a completed product test. | Not verified0–4.8 / 4.8 pts The reviewed documentation does not establish this specific workflow: separate bill approval and payment. Not verified · Oct 15, 2026Source | Not verified0–4.8 / 4.8 pts Employee expense approval is documented; supplier-payment release separation was not established. Not verified · Oct 15, 2026Source |
| Accounting synchronization 12% base weight | ||
| Core capabilityAccounting connectorSend expense or payable records to a supported accounting system. | Supported2.4 / 2.4 pts Named accounting connectors and sync are documented. Official documentation · Oct 15, 2026Source | Supported2.4 / 2.4 pts ERP synchronization is documented; supported connectors must match the deployment. Official documentation · Oct 15, 2026Source |
| Core capabilityAccounting-category mappingMap expense or bill categories to general-ledger codes or accounting dimensions. | Not verified0–2.4 / 2.4 pts The exact general-ledger mapping functionality needs direct verification. Not verified · Oct 15, 2026Source | Supported2.4 / 2.4 pts Expense coding is connected to accounting synchronization. Official documentation · Oct 15, 2026Source |
Depth checkExport reconciliation detailExport or sync expense, payment or reimbursement detail for accounting reconciliation.Ask for a demonstrationTrace an expense payout to accounting records or an export with matching details. A scenario to run with the supplier; not a completed product test. | Supported3.2 / 3.2 pts Approved or paid reports can export their expense detail to accounting. Official documentation · Oct 15, 2026Source | Supported3.2 / 3.2 pts Accounting Review exports or syncs approved transaction detail to an ERP. Official documentation · Oct 15, 2026Source |
Depth checkRecover accounting sync errorsInspect accounting-export failures and correct or retry the affected records.Ask for a demonstrationCause a mapping failure, fix it, and show a successful retry. A scenario to run with the supplier; not a completed product test. | Supported4 / 4 pts Failed accounting exports expose errors for correction before retry. Official documentation · Oct 15, 2026Source | Not verified0–4 / 4 pts Pre-export review is documented; explicit failed-sync correction and retry was not established. Not verified · Oct 15, 2026Source |
| AI capture, review & coding 14.5% base weight | ||
| Core capabilityAI receipt or invoice extractionUse documented AI to extract or match information from receipts or invoices. | Supported2.4 / 2.4 pts Expense AI extracts receipt information. Official documentation · Oct 15, 2026Source | Not verified0–2.4 / 2.4 pts Receipt scanning is documented but its extraction model was not explicitly established as AI. Not verified · Oct 15, 2026Source |
| Core capabilityAI coding or policy reviewUse AI to suggest expense coding or evaluate spend against company policy. | Supported2.4 / 2.4 pts The documented AI functions include categorization and policy checks. Official documentation · Oct 15, 2026Source | Supported2.4 / 2.4 pts The LLM-based classifier uses transactions, receipts and policy context, preserving human corrections. Official documentation · Oct 15, 2026Source |
Depth checkHuman review of AI spend decisionsReview or override AI coding, policy decisions or proposed financial actions.Ask for a demonstrationCorrect an AI coding or policy decision and show the saved result. A scenario to run with the supplier; not a completed product test. | Supported3.2 / 3.2 pts Expense editing and approval actions permit correction before payment or final export. Official documentation · Oct 15, 2026Source | Supported3.2 / 3.2 pts Reviewers can override AI coding before ERP sync; already-synced records have restrictions. Official documentation · Oct 15, 2026Source |
Depth checkAI grounded in expense evidenceAI uses receipt, invoice, transaction or policy context when classifying or reviewing spend.Ask for a demonstrationShow the receipt, transaction or policy context behind an AI decision. A scenario to run with the supplier; not a completed product test. | Supported4 / 4 pts AI agents evaluate expense fields, policy requirements and duplicate context. Official documentation · Oct 15, 2026Source | Supported4 / 4 pts AI categorization uses transaction context and respects reviewer corrections. Official documentation · Oct 15, 2026Source |
Depth checkExpose uncertain AI accounting-code suggestionsDemonstrate “Expose uncertain AI accounting-code suggestions” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Expose uncertain AI accounting-code suggestions” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
| Operational detail 17.5% base weight | ||
Depth checkRestrict a company card to selected merchantsDemonstrate “Restrict a company card to selected merchants” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Restrict a company card to selected merchants” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkAuto-lock a virtual card after its approved paymentDemonstrate “Auto-lock a virtual card after its approved payment” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Auto-lock a virtual card after its approved payment” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkManager freeze with a dated card-lock historyDemonstrate “Manager freeze with a dated card-lock history” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Manager freeze with a dated card-lock history” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkPrevent claimants approving their own reimbursementDemonstrate “Prevent claimants approving their own reimbursement” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Prevent claimants approving their own reimbursement” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkAlert the owner before a vendor contract renewsDemonstrate “Alert the owner before a vendor contract renews” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Alert the owner before a vendor contract renews” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkMatch forwarded email receipts to card transactionsDemonstrate “Match forwarded email receipts to card transactions” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Match forwarded email receipts to card transactions” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
Depth checkRecover a personal purchase charged to a company cardDemonstrate “Recover a personal purchase charged to a company card” with a sample record; show the result, permissions and required plan.Ask for a demonstrationDemonstrate “Recover a personal purchase charged to a company card” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test. | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source | Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source |
| AI usage and limits | Concierge and expense AI help capture, classify and act on expense information.
| Navan documents an LLM-based expense classifier using transaction, receipt and company-policy context.
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| Additional costs to ask about |
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| Integration shortlist |
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| Research date | Oct 15, 2026 Full source record → | Oct 15, 2026 Full source record → |