Zoho Expense vs Navan
Two expense management tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Navan costs less for a six-person team.
Zoho Expense fits retail shop, restaurant or café, trades or contractor, online store.
| Compare | Zoho ExpenseZoho | NavanNavan |
|---|---|---|
| In one line | Receipt scanning and expense reports from $3 a user | Free travel booking and expenses for the first five users |
| Starting price | From $3/person | Free up to 5 users |
| Six-person team | $18/mo | $15/mo |
| Plans | Free up to 3 users (20 scans/user/mo); Standard $3/user/mo; Premium $5/user/mo, billed annually (monthly $4/$6) | 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 tier | Free tier |
| Free trial | 14 days | — |
| Users | Up to 3 free | 5 free on Expense |
| Both connect to | QuickBooks Online, Xero | |
| Also connects to | Zoho Books | No others on record |
| Team size | Just me · 2–10 people · 11–50 people | 2–10 people · 11–50 people |
| Available in | US · UK · CA · AU | US · UK · CA · AU |
| Phone support | Standard and up | None listed |
| Live chat | Plans not stated | Every plan |
| Support hours | Email: 24 hours a day from Monday to Friday · Phone: 24 hours a day from Monday to Friday | Live chat: 24/7 |
| Incidents posted | Zoho has a public status page. 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 | 4.6 / 5 from 1,228 reviews | 4.6 / 5 from 213 reviews |
| Trustpilot score | Not listed | 3.3 / 5 from 490 reviews |
| Fit: Retail shop | 55 | 35 |
| Fit: Restaurant or café | 50 | 25 |
| Fit: Service business | 80 | 75 |
| Fit: Agency or studio | 82 | 80 |
| Fit: Trades or contractor | 75 | 50 |
| Fit: Online store | 55 | 45 |
| Why people pick it |
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| Where it falls short |
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| Visit Zoho 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
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