BILL Spend & Expense vs Navan
Two expense management tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
BILL Spend & Expense costs less for a six-person team.- BILL Spend & Expense fits retail shop, restaurant or café, trades or contractor, online store.
Navan: Travel and expenses in one app.
| Compare | BILL Spend & ExpenseBILL Holdings | NavanNavan |
|---|---|---|
| In one line | Budgets first, then cards that enforce them | Free travel booking and expenses for the first five users |
| Starting price | Free | Free up to 5 users |
| Six-person team | $0/mo | $15/mo |
| Plans | $0 per user: corporate cards, budgets, and expense tracking; credit lines from $1,000 to $5M, subject to approval | Travel booking free up to 300 employees; Expense free for the first 5 monthly expensing users, then $15/user/mo; over 300 employees by quote |
| Pricing model | Free | Free tier |
| Free trial | — | — |
| Users | Unlimited | 5 free on Expense |
| Both connect to | QuickBooks Online, Xero | |
| Also connects to | No others on record35+ listed by the vendor | No others on record |
| Team size | 2–10 people · 11–50 people · 51–200 people | 2–10 people · 11–50 people |
| Available in | US | US · UK · CA · AU |
| Phone support | Every plan | None listed |
| Live chat | Every plan | Every plan |
| Support hours | Not published | Live chat: 24/7 |
| Incidents posted | 0 incidents posted on BILL Holdings's status page, which covers all BILL Holdings products and regions, in the 90 days to Oct 27, 2026. Status page | 14 incidents posted on Navan's status page, which covers all Navan products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Navan. Status page |
| Capterra score | 4.7 / 5 from 440 reviews | 4.6 / 5 from 213 reviews |
| Trustpilot score | Not listed | 3.3 / 5 from 490 reviews |
| Fit: Retail shop | 60 | 35 |
| Fit: Restaurant or café | 60 | 25 |
| Fit: Service business | 70 | 75 |
| Fit: Agency or studio | 75 | 80 |
| Fit: Trades or contractor | 70 | 50 |
| Fit: Online store | 65 | 45 |
| Why people pick it |
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| Where it falls short |
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| Visit BILL Spend & Expense | Visit Navan | |
Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices
Navan: partner link. We may earn a commission; it never affects rankings.
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