BILL Spend & Expense vs Sage Expense Management

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, online store.
  • Sage Expense Management: Works with existing company cards.
CompareBILL Spend & ExpenseBILL HoldingsSage Expense ManagementSage
In one lineBudgets first, then cards that enforce themReceipts by text, email, or Slack, formerly Fyle
Starting priceFreeFrom $11.99/person
Six-person team$0/mo$71.94/mo
Plans$0 per user: corporate cards, budgets, and expense tracking; credit lines from $1,000 to $5M, subject to approvalGrowth $11.99/active user/mo (5-user minimum); Business $14.99/active user/mo (10-user minimum); billed annually
Pricing modelFreePaid
Free trial——
UsersUnlimited5-user minimum on Growth
Both connect toQuickBooks Online, Xero
Also connects toNo others on record35+ listed by the vendorNo others on record
Team size2–10 people · 11–50 people · 51–200 people2–10 people · 11–50 people
Available inUSUS
Phone supportEvery planNone listed
Live chatEvery planBusiness and up
Support hoursNot publishedLive chat: Business hours
Incidents posted0 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 pageWe found no public status page for Sage.
Capterra score4.7 / 5 from 440 reviews4.5 / 5 from 158 reviews
Fit: Retail shop6050
Fit: Restaurant or café6045
Fit: Service business7078
Fit: Agency or studio7580
Fit: Trades or contractor7075
Fit: Online store6555
Why people pick it
  • Budget-first model
  • Free
  • Works with existing company cards
  • Only active users are billed
Where it falls short
  • Credit line underwriting
  • Fewer integrations than Ramp
  • 5-user minimum
  • Annual billing only shown
Visit BILL Spend & Expense Visit Sage Expense Management

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

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