--- title: "Best Free Spend Management Software Solutions 2026 | Capterra" description: "Find and compare the 2026 best free Spend Management software solutions, using our interactive tool to quickly narrow your choices based on businesses like yours." source_url: "https://www.capterra.com/spend-management-software/s/free/" page_type: "subcategory" language: "en" --- # Best Spend Management Software for free ## Top 10 free products, ranked by reviewer ratings ### Ranked free Spend Management products | Rank | Product | Overall rating | Category rating | Key attribute | Starting price | Key features | | --- | --- | --- | --- | --- | --- | --- | | 1 | [Moss](https://www.capterra.com/p/211744/getmoss/) | 4.9 out of 5 (234 reviews) | 4.9 out of 5 (165 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Approval Workflow, Budgeting/Forecasting, Expense Tracking, Multi-Currency, Prepaid Cards, Procurement Management, Receipt Management, Spend Analysis, Spend Control | | 2 | [PayEm](https://www.capterra.com/p/234925/PayEm/) | 4.8 out of 5 (39 reviews) | 4.9 out of 5 (30 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Approval Workflow, Budgeting/Forecasting, Expense Tracking, Multi-Currency, Prepaid Cards, Procurement Management, Receipt Management, Spend Analysis, Spend Control | | 3 | [Rindegastos](https://www.capterra.com/p/264791/Rindegastos/) | 4.9 out of 5 (95 reviews) | 4.9 out of 5 (32 category reviews) | Highly rated for Ease of Setup | $2.00 Per User, Per Month | Included: Approval Workflow, Expense Tracking, Multi-Currency, Receipt Management, Spend Control; Not included: Budgeting/Forecasting, Prepaid Cards, Procurement Management, Spend Analysis | | 4 | [Wallester](https://www.capterra.com/p/268164/Wallester/) | 4.8 out of 5 (130 reviews) | 4.8 out of 5 (111 category reviews) | Highly rated for Ease of Use | €199.00 Flat Rate, Per Month | Included: Approval Workflow, Budgeting/Forecasting, Expense Tracking, Multi-Currency, Prepaid Cards, Procurement Management, Receipt Management, Spend Analysis, Spend Control | | 5 | [Ramp](https://www.capterra.com/p/207081/Ramp/) | 4.9 out of 5 (223 reviews) | 4.8 out of 5 (85 category reviews) | Highly rated for Ease of Use | $15.00 Per User, Per Month | Included: Approval Workflow, Budgeting/Forecasting, Expense Tracking, Multi-Currency, Prepaid Cards, Procurement Management, Receipt Management, Spend Analysis, Spend Control | | 6 | [RoadFlex](https://www.capterra.com/p/10012600/RoadFlex/) | 4.9 out of 5 (60 reviews) | 4.9 out of 5 (16 category reviews) | Highly rated for Quality of Support | $3.00 Per User, Per Month | Included: Approval Workflow, Expense Tracking, Prepaid Cards, Receipt Management, Spend Analysis, Spend Control; Not included: Budgeting/Forecasting, Multi-Currency, Procurement Management | | 7 | [Volopay](https://www.capterra.com/p/233374/Volopay/) | 4.5 out of 5 (33 reviews) | 4.7 out of 5 (22 category reviews) | Highly rated for Quality of Support | SGD5.00 Usage Based, Per Month | Included: Approval Workflow, Expense Tracking, Multi-Currency, Prepaid Cards, Procurement Management, Receipt Management, Spend Analysis, Spend Control; Not included: Budgeting/Forecasting | | 8 | [Navan](https://www.capterra.com/p/169591/TripActions/) | 4.6 out of 5 (214 reviews) | 4.7 out of 5 (15 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Approval Workflow, Expense Tracking, Multi-Currency, Receipt Management, Spend Analysis, Spend Control; Not included: Budgeting/Forecasting, Prepaid Cards, Procurement Management | | 9 | [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) | 4.7 out of 5 (440 reviews) | 4.7 out of 5 (171 category reviews) | Highly rated for Value for Money | Contact vendor | Included: Approval Workflow, Budgeting/Forecasting, Expense Tracking, Multi-Currency, Prepaid Cards, Receipt Management, Spend Analysis, Spend Control; Not included: Procurement Management | | 10 | [TravelBank](https://www.capterra.com/p/170784/TravelBank/) | 4.7 out of 5 (254 reviews) | 4.6 out of 5 (13 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Approval Workflow, Expense Tracking, Multi-Currency, Receipt Management, Spend Analysis, Spend Control; Not included: Budgeting/Forecasting, Prepaid Cards, Procurement Management | Category rating: Rating from reviewers who used each product as Spend Management software, with the number of those reviews. Products are ranked by this rating, adjusted for how many reviews support it. For the complete directory, see [the full product list](#full-product-list). --- ## See top 10 product details ### 1. [Moss](https://www.capterra.com/p/211744/getmoss/) Overall rating: 4.9 out of 5 (234 reviews) Category rating: 4.9 out of 5 (165 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Included - Procurement Management: Included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 2. [PayEm](https://www.capterra.com/p/234925/PayEm/) Overall rating: 4.8 out of 5 (39 reviews) Category rating: 4.9 out of 5 (30 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Included - Procurement Management: Included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 3. [Rindegastos](https://www.capterra.com/p/264791/Rindegastos/) Overall rating: 4.9 out of 5 (95 reviews) Category rating: 4.9 out of 5 (32 category reviews) Key attribute: Highly rated for Ease of Setup Starting price: $2.00 Per User, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Not included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Not included - Procurement Management: Not included - Receipt Management: Included - Spend Analysis: Not included - Spend Control: Included --- ### 4. [Wallester](https://www.capterra.com/p/268164/Wallester/) Overall rating: 4.8 out of 5 (130 reviews) Category rating: 4.8 out of 5 (111 category reviews) Key attribute: Highly rated for Ease of Use Starting price: €199.00 Flat Rate, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Included - Procurement Management: Included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 5. [Ramp](https://www.capterra.com/p/207081/Ramp/) Overall rating: 4.9 out of 5 (223 reviews) Category rating: 4.8 out of 5 (85 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $15.00 Per User, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Included - Procurement Management: Included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 6. [RoadFlex](https://www.capterra.com/p/10012600/RoadFlex/) Overall rating: 4.9 out of 5 (60 reviews) Category rating: 4.9 out of 5 (16 category reviews) Key attribute: Highly rated for Quality of Support Starting price: $3.00 Per User, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Not included - Expense Tracking: Included - Multi-Currency: Not included - Prepaid Cards: Included - Procurement Management: Not included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 7. [Volopay](https://www.capterra.com/p/233374/Volopay/) Overall rating: 4.5 out of 5 (33 reviews) Category rating: 4.7 out of 5 (22 category reviews) Key attribute: Highly rated for Quality of Support Starting price: SGD5.00 Usage Based, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Not included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Included - Procurement Management: Included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 8. [Navan](https://www.capterra.com/p/169591/TripActions/) Overall rating: 4.6 out of 5 (214 reviews) Category rating: 4.7 out of 5 (15 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Not included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Not included - Procurement Management: Not included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ### 9. [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Overall rating: 4.7 out of 5 (440 reviews) Category rating: 4.7 out of 5 (171 category reviews) Key attribute: Highly rated for Value for Money Starting price: Contact vendor Free trial: Available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Included - Procurement Management: Not included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included #### Pros based on reviews - Accessible and intuitive platform - Streamlined real-time expense tracking #### Cons based on reviews - Frequent bugs and glitches --- ### 10. [TravelBank](https://www.capterra.com/p/170784/TravelBank/) Overall rating: 4.7 out of 5 (254 reviews) Category rating: 4.6 out of 5 (13 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Available #### Features reviewers most value - Approval Workflow: Included - Budgeting/Forecasting: Not included - Expense Tracking: Included - Multi-Currency: Included - Prepaid Cards: Not included - Procurement Management: Not included - Receipt Management: Included - Spend Analysis: Included - Spend Control: Included --- ## All spend management software with a free version [4.6 (214)](https://www.capterra.com/p/169591/TripActions/reviews/) [Capterra Shortlist](https://www.capterra.com/spend-management-software/shortlist/) Navan is an all-in-one expense management solution that helps companies save time and money. [Learn more about Navan](https://www.capterra.com/p/169591/TripActions/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 85% recommend this product [## Wrike](https://www.capterra.com/p/76113/Wrike/) [4.4 (3044)](https://www.capterra.com/p/76113/Wrike/reviews/) Wrike is the AI-powered work delivery platform to track project spend, manage budgets, and control costs in real time.  [Learn more about Wrike](https://www.capterra.com/p/76113/Wrike/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) [4.7 (440)](https://www.capterra.com/p/166905/Divvy/reviews/) BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution. [Learn more about BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 90% recommend this product Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. [## Perk](https://www.capterra.com/p/171040/TravelPerk/) [4.7 (425)](https://www.capterra.com/p/171040/TravelPerk/reviews/) Perk brings together travel and spend into one intelligent platform, automating manual work to give teams more time for real work. [Learn more about Perk](https://www.capterra.com/p/171040/TravelPerk/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 91% recommend this product [## Melio](https://www.capterra.com/p/184673/Melio/) [4.2 (406)](https://www.capterra.com/p/184673/Melio/reviews/) Melio is a cloud-based AP/AR solution that helps businesses manage vendor payments, optimize cash flow, and streamline finances. [Learn more about Melio](https://www.capterra.com/p/184673/Melio/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control [## Qonto](https://www.capterra.com/p/173384/Qonto/) [4.5 (275)](https://www.capterra.com/p/173384/Qonto/reviews/) The business finance solution that energizes SMEs and freelancers. [Learn more about Qonto](https://www.capterra.com/p/173384/Qonto/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 84% recommend this product [## TravelBank](https://www.capterra.com/p/170784/TravelBank/) [4.7 (254)](https://www.capterra.com/p/170784/TravelBank/reviews/) [Capterra Shortlist](https://www.capterra.com/spend-management-software/shortlist/) TravelBank delivers the most efficient and delightful all-in-one expense, travel and card management platform. [Learn more about TravelBank](https://www.capterra.com/p/170784/TravelBank/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 86% recommend this product [## Spendwise](https://www.capterra.com/p/141589/Officewise/) [4.6 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) [Capterra Shortlist](https://www.capterra.com/spend-management-software/shortlist/) Spendwise is spend and purchasing management software that automates accounts payable and inventory processes for businesses. [Learn more about Spendwise](https://www.capterra.com/p/141589/Officewise/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 85% recommend this product [## Moss](https://www.capterra.com/p/211744/getmoss/) [4.9 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) [Capterra Shortlist](https://www.capterra.com/spend-management-software/shortlist/) Moss streamlines spend management with customised workflows, employee cards, and automatic receipt capture.  [Learn more about Moss](https://www.capterra.com/p/211744/getmoss/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 96% recommend this product [## Ramp](https://www.capterra.com/p/207081/Ramp/) [4.9 (223)](https://www.capterra.com/p/207081/Ramp/reviews/) [Capterra Shortlist](https://www.capterra.com/spend-management-software/shortlist/) Ramp is an all-in-one corporate card and spend management system, built to save you time and money—so you can grow efficiently. [Learn more about Ramp](https://www.capterra.com/p/207081/Ramp/) Spend Management features reviewers most value Approval Workflow Budgeting/Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control 95% recommend this product ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Filter (74) Products: Sort By: Featured Partners * * * Plan Type Free Trial Popular 85% of professionals opt for a 30-day trial before the software purchase Other subsciption plans: Free Version Monthly Subscription Annual Subscription One-Time License Key Features All key features Popular We have selected the most important and critical features as defined by Capterra user reviews AI Copilot Approval Workflow Budgeting/Forecasting Expense Tracking Generative AI Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control Supplier Management Deployment Cloud, SaaS, Web-Based Desktop Mac Desktop Windows Desktop Linux On-Premise Windows On-Premise Linux Desktop Chromebook Mobile Android Mobile iPhone Mobile iPad Related Software Category: [Demand Planning Software](https://www.capterra.com/demand-planning-software/)[Third Party Logistics (3PL) Software](https://www.capterra.com/3pl-software/)[Forestry Software](https://www.capterra.com/forestry-software/)[Vendor Management Software](https://www.capterra.com/vendor-management-software/)[Distribution Software](https://www.capterra.com/distribution-software/)[Sourcing Software](https://www.capterra.com/sourcing-software/)[Purchasing Software](https://www.capterra.com/purchasing-software/)[Procurement Software](https://www.capterra.com/procurement-software/) I'm looking for Spend Management Software that is: [For Small Businesses](https://www.capterra.com/spend-management-software/s/small-businesses/)