Best Free Spend Management Software
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Compare the Top Free Spend Management Software as of November 2025
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What is Free Spend Management Software?
Spend management software helps businesses track, control, and optimize their spending across various departments, suppliers, and categories. These platforms provide tools for budgeting, expense tracking, procurement, and invoice management, helping companies monitor their financial transactions and ensure compliance with internal policies. Spend management software often includes features like real-time analytics, approval workflows, supplier management, and reporting, enabling businesses to identify cost-saving opportunities, negotiate better contracts, and improve financial efficiency. By using this software, organizations can gain better control over their spending, reduce unnecessary costs, and enhance their financial decision-making processes. Compare and read user reviews of the best Free Spend Management software currently available using the table below. This list is updated regularly.
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1
ControlHub
ControlHub
Simplify your entire purchasing journey with Purchasing Software that empowers you to Control, Request, Approve, Purchase, Pay, and Reconcile—the key to unlocking Proactive Spend Management. Take control of the entire purchasing process and supplier management. Dive into Proactive Spend Management, Track Every Penny, Eliminate Paperwork, Match Orders, and Pay Vendors — All Before Finishing Your First Cup of Coffee. Start the purchasing process by creating a purchase request. With ControlHub, your team has the best procurement software to generate and track POs in a single place. No Spreadsheets. No emails. No bottlenecks.Starting Price: Free -
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Divvy
Divvy
Divvy has combined seamless expense management software with business cards so you never have to process another expense report. With Divvy, you can leverage faster expense reporting, enforceable budgets, and a single platform to offer real-time visibility into all spend. Ready to gain more control and streamline your spend management—in a one-stop, easy-to-use platform? Get Divvy today to empower your team and save everyone time (including yourself). Divvy provides their customers with a strong credit line and makes going over budget literally impossible. Put a stop to painful expense resorts and simplify the AP process with Divvy—all for free.">
Starting Price: Free -
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Sage Expense Management (formerly Fyle) is the AI-powered platform for finance teams who want real-time expense control without the disruption of switching corporate cards. Our direct integration with your existing Visa, Mastercard, and American Express delivers transactions instantly upon swipe. Finance teams get instant visibility into spending, and employees can upload receipts through Outlook, Gmail, text message, or our mobile app. Our AI-powered OCR engine automatically codes, categorizes, and assigns expenses to the right projects and cost centers, while pushing audit-ready data to your accounting software like NetSuite, Sage, QuickBooks, or Xero. With built-in policy checks, fraud detection, and easy-to-use tools that employees actually adopt, Sage Expense Management eliminates manual work, reduces friction, and gives finance teams complete control over spend.Starting Price: $11.99/month/user
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Tipalti
Tipalti
The only solution to automate your end-to-end payables process. Automate your full accounts payable, global payouts, procurement and employee expense processes with Tipalti and eliminate 80% of your manual workload. Tiplati enables you to onboard suppliers, partners and freelancers with ease, streamline PO generation, accelerate approvals, eliminate invoice entry and make fast global payments to 190 countries in local currency. Also includes global tax compliance, 2 & 3 way PO matching, multi-entity support, and instant reconciliation with ERP integrations that include NetSuite, Xero, Quickbooks and Sage Intacct.Starting Price: $129 USD, £119 GBP, €129 EUR -
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Emburse Abacus
Abacus
Emburse brings together some of the world’s most powerful and trusted financial automation solutions. As part of our product portfolio, Emburse Abacus carries a promise to humanize work while delivering expense and corporate card solutions for smaller organizations. Real time expense reporting. Abacus is the easiest way for you to automate how you reimburse your team, reconcile corporate credit cards, and implement your expense policy. Accurate, real time information helps you make more confident decisions when approving expenses, or analyzing company spend, budgets, and return on investment. Increase your efficiency by focusing your time on expenses with exceptions. Abacus separates out expenses that violate policy, are approaching budget, contain errors, or are potentially fraudulent. Abacus drafts expenses using reliable data sources such as receipts and card transactions to ensure records are complete and accurate.Starting Price: $9 per user per month -
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Brex
Brex
Financial software and services to fuel your growth. Brex lets you send free ACH and wires worldwide, get higher card limits, earn money-saving rewards, and track expenses easily. Built for the ones who do things differently. Scale faster by combining your deposits, spend and controls in one account. That’s the power of all-in-one finance. From employee purchases to paying vendors to accounting, expense tracking is built right in. Email or text us your receipts. We'll match them to the right expenses. Easily sync expense data across systems to automate reconciliation. Run custom spend reports to easily find cost-saving opportunities. Issue cards, search transactions, approve or follow up, and more—in one place. Create unique cards with custom limits for each subscription, vendor, and employee. All for free. Set custom limits and give users approved ways to spend for specific items, such as training or WFH snacks.Starting Price: $5 one-time payment -
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Ramp
Ramp Financial
The only corporate card that strengthens your finances. Replace expense reports with unlimited virtual and physical cards. Automate your accounting, lower your bills, and earn 1.5% cash back on everything. Get a top line view of your company spend. Zoom into a single user or transaction the instant it happens. Forecast your spend by department, merchant, or employee. Finance teams save 5 days every month by replacing inefficient expense reports with Ramp’s complete expense management solution. Reconcile in real time and collect receipts automatically – no more chasing people down. Get notified the instant you’re charged. Ramp automatically reminds, collects, and matches receipts for every transaction that needs one. Via SMS, email and in bulk. Integrate with top accounting providers. One-click sync or export data to 100s of accounting providers for easy, centralized accounting. Integrate with top accounting providers. -
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Pleo
Pleo
Pleo is a smart spending management platform designed to help businesses automate and streamline their expense processes. By offering smart company cards with customizable spending limits, Pleo enables employees to purchase what they need while ensuring financial control for the business. Administrators gain real-time visibility into company expenses, with features like automatic receipt matching, transaction flagging, and the ability to freeze cards if necessary. Pleo simplifies bookkeeping and financial efficiency, making expense management effortless for businesses of all sizes.Starting Price: £39 per month -
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Qvalia
Qvalia
Qvalia is a platform for finance teams to automate processes and have complete control of transactions and financial data. We improve accounts receivable, accounts payable, and enable real-time spend analytics and line-item level accounting automation. Integration is easy and the pricing is transaction-based with 1-month cancellation. Accounts receivable with Qvalia Autobilling includes B2B checkout widget for e-commerce and automated invoicing, reconciliation, reminders, and more. Manage all your transactions quickly in one location. Send and receive e-invoices for free using the global e-invoice network PEPPOL or PDFs to email recipients. Manage subscriptions and recurring invoicing with a solution that simplifies and automates order-to-cash and B2B e-commerce sales. Kickstart the digital transformation of your finance processes and achieve 100% electronic supplier invoices with PDF Converter.Starting Price: €50 per month -
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Optily
Optily
A revolution in digital ad spend management for Shopify is nearly here. Be among the first to experience our latest innovation as Optily instantly unifies your Facebook and Google Ads, Analytics, and soon, Shopify sales data for the ultimate solution to ad spend performance. Secure a free ad strategy consultation and much more by signing up for our early access program today. We’re about to launch our latest innovation, the Shopify Connect app, and we’re offering some great perks to Shopify merchants who sign up right now. The only ad spend solution combining Shopify with the biggest data platforms. Optily was created for Shopify store owners. Optily can manage your Meta for Business advertising budgets across all ad properties, including Facebook, Instagram, Messenger, and Audience Network. Optily draws upon Google Analytics for better accuracy of campaign budget recommendations and the ability to set GA-based goals.Starting Price: $99 per month -
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Rho
Rho
Take charge of business finances with Rho’s automated spend and cash management platform, integrating the tools and support you need for speed, savings, and control. Get the highest possible credit limit, flex your payment terms, and assign unlimited virtual and physical cards across your team and cost centers. Safely manage payments and deposits with groundbreaking software and up to $75M in FDIC insurance with the Rho Treasury Management Account. Run live AP with automated invoice flows, smart approvals, and real-time expense reporting, so you can reconcile with speed. Stop paying your card down daily. Rho’s unique underwriting finds you a higher, scalable credit limit that supports your spending and grows with your business. Tailor credit terms to meet your needs. Choose a one-day card and earn up to 1.75% cash back, or flex up to 60 days to pay. Rho syncs seamlessly with your accounting software and automates everyday tasks, from data entry to invoice approvals.Starting Price: Free -
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Wallester
Wallester
Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.Starting Price: $0 -
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Expensemate
Expensemate
We are a business expense management software package linked to prepaid Mastercard®, enabling hassle-free management of company expenses. Increase visibility and control over expenditure, remove manual expense reports and eliminate administrative complexity, we will revolutionize finance in your business. Empower your team to buy on the job. Control who spends what and where. Remove staff reimbursements, no more missing receipts. Accepted by more than 30 million merchants worldwide, where Mastercard® is accepted. Our prepaid Mastercard® supports in-store payments, contactless transactions, chip and pin, and online purchases. Prepaid cards work like a debit or credit card, you just need an available balance on your account to make a transaction. You can set limits and restrictions on the card and proactively monitor spending. Once a transaction is completed, the users receive a push notification to capture their receipt.Starting Price: $7.94 per card -
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Validus
Validus
Small and medium businesses deserve more attention and financial support. That’s why we’re building better business finance to drive a bigger impact for small businesses and their communities. Our relationships matter to us. So does making your life easier. Our finance solutions are designed to power growth for businesses of all sizes, across all industries. With just 2 documents, you can apply for loans digitally in minutes, receive approval and get funds within 1 day. Our next-gen finance tools, from cards and expense management to money transfers and accounting, help you enjoy upsized time and money savings. Instant working capital loans to grow your business and manage operational expenses. Track and manage all company expenses in real-time, on the go. Create unlimited virtual corporate cards for free. Add to your Google Pay wallet to use in-store. Earn cashback on all card spends. Get payment alerts on your mobile.Starting Price: Free -
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Sparx
Sparx
Uncover up to 60% savings with Sparx’s intelligence platform. Elevate your FinOps strategy with unmatched savings, refreshing transparency, and intelligent business decisions. Sparx customers see up to 60% savings on their recurring spend. Know what’s happening at all times across your SaaS, cloud, and insurance. Using Sparx’s platform reduces your business risk and unlocks discounted business insurance across 150 top carriers. With a 360-degree view of your stack, better inform your renewals and new purchases. Onboard your account to get a live view of your savings potential. Our platform targets recurring expenses with the most financial waste. Track SaaS usage at an employee and app level, identify shadow IT and cut down software sprawl in 3 minutes. Designed for teams using Google Workspace, Microsoft Azure, or Okta SSO. Our AI engine sells instances on your behalf to optimize your AWS spend. Never pay for what you don't use, no engineering nor complex contracts are needed.Starting Price: Free -
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Yorba
Yorba
Yorba is a platform that helps you find and manage your online accounts, track your mailing lists, analyze your paid subscriptions, and more. With Yorba, you'll receive fewer unwanted emails, save on unused subscriptions, and keep your personal information safer from being shared, sold, or stolen. Reduce your digital footprint one step at a time. To our team, Yorba is more than just a platform; it's a mission. We believe it's time to rethink and reset how the internet operates. Thus, we are proud to be a Public Benefit Corporation, legally bound to prioritize user privacy and well-being over profits. To ensure the security of your information, Yorba keeps only the data we absolutely need to provide our services, and we remove it as soon as possible. Join our mission, and let’s make the internet less annoying.Starting Price: $6/month -
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Pluto
Pluto
Whether you start with one module or adopt the whole platform, Pluto helps your business save time & money. Get smart, virtual, and physical cards for your entire team with automated budget controls, receipt policy enforcement, and compliance management. Improve your vendor relationships and reduce duplicate payments by maintaining a centralized place for all your bills, approvals, and payments. Make local or international payments via one-click wire transfer to 140+ currencies or by using Pluto corporate cards. Digitize and eliminate petty cash vouchers. Manage your employee’s cash on hand & receipts directly on Pluto. Don’t let cash leakages eat away at your bottom line. Allow your employees to submit reimbursement requests with ease. Get the right approvals in place with custom approval workflows. Instantly reimburse employees in bulk and surpass your finance team’s KPIs. Send weekly automated financial reports to your CFO and other executives.Starting Price: Free -
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SpendHound
SpendHound
Ace your vendor renewals and save time and money across your tech stack. Enjoy every feature with no upsells ever. Free calls, Slack messaging, and emailing with our renewal experts to help you save money across your software renewals. Understand "best in market" pricing to ensure you're not overpaying for your vendors. Have our experts review your contracts and provide advice and negotiation tactics to help you get a better deal. Direct integrations in less than 30 minutes. All of your vendor information is populated automatically. Renewal Reminders are sent via email and Slack. Cost savings insights such as application redundancies, and application underutilization or speak directly with our renewal experts for free benchmarking insights and negotiation tactics. Through a combination of software, human analysis, and direct integrations, SpendHound provides the most accurate renewal tracker on the market.Starting Price: Free -
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CoreTrust Experience Platform (CXP)
CoreTrust Experience Platform (CXP)
CXP is a free, intuitive digital procurement platform that gives organizations total visibility and control over their indirect spend by securely uploading their data and accessing clear insights, benchmarking tools, and over 125 pre-negotiated supplier contracts. The platform enables users to gain “total spend visibility” through detailed analyses of supplier-reported spend, projected expenses, and hidden savings opportunities; it provides personalized, data-driven recommendations to optimize sourcing across new categories and alignment with industry and peer benchmarks; members can instantly browse a catalogue of vetted contracts and start leveraging savings without complex sourcing tiers or hidden fees. With no membership cost, the platform is positioned to accelerate procurement by simplifying access to large-scale buying power, enabling organizations to reduce costs and streamline procurement workflows through a self-service dashboard that centralizes spend analytics.Starting Price: Free -
20
PEX
Prepaid Expense Card Solutions
PEX is the only vertically-integrated full-stack payment platform that’s built from the ground up to streamline spending and expense management, grant program funds disbursement, and rewards card management. PEX provides a corporate card alternative with physical, digital, and virtual prepaid cards, all connected through an intuitive web, mobile or API-driven platform. Manage expenses better with the leading business prepaid card platform. Distribute cards, manage to spend, eliminate archaic reimbursement, and leverage real-time reporting. An innovative solution for any fund disbursement programs, whether you are a non-profit looking to easily distribute grant funds via reloadable cards or a business looking to create a rewards program. PEX offers physical, digital and virtual cards for employee and customer rewards, incentives to drive loyalty, and a platform to easily manage distribution and gather insights.Starting Price: $7.50 per month -
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CabinetM
CabinetM
CabinetM is a Marketing Technology Management Platform that makes it easy for enterprise marketing teams to manage the technology they have and find the technology they need. Using CabinetM, marketing teams can: Create marketing technology stacks to visualize, track, and manage technology being used across the company; annotate each stack with function, performance, spend, and integration information; track all the details of vendor contracts; access a database of more than 10,000 products to find new products to acquire, engage, and retain customers; generate reports to keep everyone informed; and collaborate around technology strategy. The benefits of using CabinetM include: An increase in customer life time value due to improved stack performance and better management of technology expenditures; productivity improvements derived from centralized oversight of technology; mitigation of security and compliance exposure. -
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Mesh Payments
Mesh Payments
Mesh Payments cardless solution gives you full control and visibility over your entire corporate payments - all from one platform. Using Mesh you can get insights & real time data on your spending, automate your receipts collection and ensure that your payments, subscriptions and finances always run smoothly. Mesh is easy to set up & free. No single corporate card dependency, no charges denied. Know exactly which subscriptions you are paying for, how much, and when. Control who spends with pre-payment approvals and unique virtual cards. Seamless integrations that collect and match receipts automatically. Mesh ensures that subscription payments don’t get in the way of running your business with mission-critical subscription controls and smart notifications. Mesh on-demand payments is built to empower distributed teams and needs, without sacrificing financial security and control. Get full visibility and all the management tools you need to customize payments for your business. -
23
Expenzing
Expenzing
Expenzing offers comprehensive spend management solutions designed to automate procurement, accounts payable, and travel and expense processes for businesses. The platform integrates budgeting controls, supplier management, and automated invoice processing to prevent unauthorized spending and optimize operational efficiency. Features like fraud control algorithms, mobile travel booking, and OCR for receipt scanning streamline the approval and reimbursement processes. Expenzing’s solutions ensure statutory compliance, reduce expenses, and provide full visibility into spend management, helping businesses improve governance and decision-making. -
24
Quolum
Quolum
Builders should build. Quolum can handle the rest. From getting you the best commercials to storing documents in one place. We store your contracts along with the structured meta-data such as vendor, renewal dates, cancellation window, court of law, and data retention and processing policies. Buy all your SaaS, hassle free. Backed by modern software that manages recurring expenses, cancels product trials, and controls spending. Receive a single bill for your SaaS purchases, with all invoices automatically aggregated from vendors. Accountants love us for a reason. A single dashboard for SaaS including purchases, transaction details, and invoices. One bill for all SaaS purchases. Invoices auto-aggregated from vendors. Manage cash flow with a calendar of renewals and payments.Starting Price: $500 per month -
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Zaggle Zoyer
Zaggle
Accounts Payable (AP) processes are traditionally hampered by manually intensive, complex and poorly controlled processes making it challenging to effectively manage business payments Zoyer, an integrated data-driven business spend management platform with embedded finance capabilities, transforms accounts payable into a modern, digital-first function. Zoyer embeds automation, intelligence and payments into core invoice-to-pay workflows, empowering finance and business leaders with insights into enterprise-wide spends to optimally manage cash outflows and maximize business performance. Additionally, high-velocity businesses that onboard onto the Zaggle platform can opt for the Zaggle founders card and corporate credit cards to finance corporate spends. This ability to access an instant line of credit improves liquidity, and closes funding gaps. -
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SpendManagerPro
World Procurement USA
Industry leading, customizable Financial and Spend Management solutions to fit every budget from our No Cost turnkey marketplace with Amazon like shopping experience, to our robust procurement-to-payment solutions, SpendManagerPro™ can grow with you as your needs grow while saving you money each step of the way. Due to the unique requirements of the Educational Sector, SpendManagerPro™ represents over a decade of working hand-in-hand with stakeholders to custom tailor the best, most innovative solutions targeted at saving time, saving money, improving compliance, and simplifying the user interface. With over 35 years of experience, our teams have developed an impressive array of solutions centered around efficiency, flexibility, transparency, accountability, and compliance. Budgets, contracts, and projects are better managed with CapitalSMP™ to help to mitigate the risk of budgetary issues and cost overruns. -
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Calqulate
Calqulate
Grow faster and achieve your goals with SaaS growth metrics and keep your business humming. All key subscription metrics, cash flow management and financial forecasts in one easy-to-use platform. Connect all your data sources to Calqulate and get all the metrics and KPIs that matter to subscription businesses. MRR, LTV to CAC ratio, retention and more. Always know what’s up (or down. But mostly up!) with your business. Calqulate’s automated cashflow forecasting tracks your SaaS subscription payments, staff expenses, loans and equity. Understand your cash runway, and watch your business take off. Plan ahead and finance your growth targets. Forecast your recurring revenues, expenses, cash and other SaaS metrics and always have a forward-looking view. In business it’s ok to be a know-it-all.Starting Price: €149 per month -
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Aspire
Aspire
Forget about switching or add-ons. We've got you covered from incorporation to growth stage. Submit your documents in 10 minutes, from anywhere in the world. We’ll take care of the rest. Receive investor funds, and start operations immediately with a borderless business account with no monthly fees. Create professional-looking, tax-compliant invoices that match your brand. Your payment details are automatically included, so it’s easier for customers to pay you. Get a birds eye view of paid and unpaid invoices. Know when you’re likely to be paid, so you can plan accordingly. Be in the know & receive alerts as soon as you get paid. Remind customers of upcoming or overdue payments, without being intrusive or awkward. Reduce payment delays, without following up all the time. Matching incoming transfers are automatically synced and marked as paid. Experience the power of an integrated finance stack. -
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Flyweel
Flyweel
Flyweel is the first agentic, SpendOps infrastructure for ads—combining real-time budget control and decisioning, a single source of truth for the whole funnel, generative modular reporting, and automated reconciliation to eliminate waste and empower advertisers with the financial precision to scale profitably. Without the chaos.
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