Existem muitas soluções diferentes de controlo de despesas, pelo que pode ser difícil selecionar a melhor. É importante simplificar o processo de registo e categorização das despesas, permitindo uma análise e elaboração de relatórios financeiros precisas, e precisa da ferramenta certa para os seus projetos e equipa.
Eu trato disso! Nesta publicação, utilizo a minha experiência pessoal com o controlo de despesas em equipas grandes para analisar uma lista selecionada do melhor software de controlo de despesas.
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Tabela comparativa do software de controlo de despesas
Esta tabela comparativa resume os detalhes de preços das minhas principais escolhas de software de controlo de despesas:
| Tool | Best For | Trial Info | Price | ||
|---|---|---|---|---|---|
| 1 | Best for global teams | Free demo available | From $29/user/month | Website | |
| 2 | Best for vendor expenses | Free plan available | Pricing upon request | Website | |
| 3 | Best for AI-powered expense tracking | Free demo available | From $11.99/user/month (billed annually) | Website | |
| 4 | Best for payroll-linked expense tracking | Free demo available | Pricing upon request | Website | |
| 5 | Best for spend management | Free demo available | Pricing upon request | Website | |
| 6 | Best for automated expense reporting | Free plan available; 30-day free trial | From $15/user/month | Website | |
| 7 | Best for travel expense tracking | Free plan available | Pricing upon request | Website | |
| 8 | Best all-in-one expense tracking | Free plan available | From $99/month (+ 3% per booking) | Website | |
| 9 | Best for integrations | 14-day free trial | From $3/user/month (billed annually) | Website | |
| 10 | Best free expense tracking software | Free to use | Website |
Análises do melhor software de controlo de despesas
Abaixo encontram-se os meus resumos detalhados do melhor software de controlo de despesas que integrou a minha lista selecionada. As minhas análises apresentam uma visão detalhada das principais funcionalidades, vantagens e desvantagens, integrações e casos de utilização ideais de cada ferramenta, para o ajudar a encontrar a melhor opção para si.
Deel's expense management dashboard lets users track, approve, and manage expenses. Deel is a platform that helps businesses manage hiring, payroll, and compliance for global teams. It offers tools to handle contracts, payments, and tax regulations across different countries.
Why I picked Deel: Deel's expense management system lets you create custom expense categories and set specific limits for each. This means you can tailor expense policies to fit your company's needs, ensuring that spending stays within budget. Additionally, you can require receipts for expense submissions, adding an extra layer of oversight. Another useful feature is the ability to manage and approve expenses directly through the platform. Managers can review pending expenses, approve or deny them, and keep track of all expense records in one place.
Deel Standout Features and Integrations:
Features include the option to add mileage expenses using a built-in calculator that estimates costs based on distance and vehicle type. Deel also offers per diem expense calculations, allowing employees to claim daily allowances for business trips easily.
Integrations include Expensify, QuickBooks, Google Workspace, Slack, JIRA, HubSpot, BambooHR, Workday, Xero, Salesforce, Microsoft Teams, Zendesk, and Jira Software Cloud.
Pros and Cons
Pros:
- Customizable expense policies
- Offers diverse payment options
- Simplifies global hiring and payments
Cons:
- Occasional delays in payment processing
- No option for corporate spending cards
Learn more about Deel Payroll:
Payout's dashboard offers real-time tracking and management of pending invoices and payouts. Payouts is a financial platform that automates and optimizes global payouts and vendor management. It streamlines financial workflows, making it easier for businesses to handle vendor-related expenses efficiently.
Why I picked Payouts: Payouts offers automated invoice processing, reducing manual data entry and minimizing errors. Its intelligent invoice capture technology accurately extracts data from invoices in any format, speeding up processing times and ensuring accuracy. This feature is particularly beneficial for tracking vendor-related expenses, as it ensures all invoices are processed promptly and correctly. Additionally, Payouts provides real-time spend visibility through comprehensive dashboards and custom reports. This allows you to monitor your expenses as they occur, giving you better control over your cash flow and enabling informed financial decisions.
Payouts Standout Features and Integrations:
Features include flexible approval workflows that you can customize to match your business needs, ensuring that all vendor payments are properly authorized before processing. The collaborative vendor portal enhances communication by allowing vendors to submit invoices directly and check payment statuses, reducing the administrative burden on your team. Payouts also supports diverse payment options, including traditional bank transfers, eWallets, and cryptocurrencies, offering flexibility in managing vendor payments across different platforms
Integrations include Everflow, CJ Affiliate, Awin, PayPal, Venmo, Payoneer, NetSuite, Priority, Workday, Skrill, and Tune.
Pros and Cons
Pros:
- Approval workflows for vendor payments
- Multiple payout methods
- Intelligent invoice capture and processing
Cons:
- Doesn't track non-vendor-related expenses
- Potential challenges integrating with existing systems
Learn more about Payouts:
Best for AI-powered expense tracking- Free demo available
- From $11.99/user/month (billed annually)
Visit WebsiteCustomer Rating:4.6/5
Sage Expense Management (formerly Fyle) helps teams track expenses by capturing receipts through SMS and automatically matching them to transactions. Sage Expense Management (formerly Fyle) is an AI-driven expense tracking tool that lets teams capture receipts via text message, email, Gmail, Outlook, or mobile, and automatically matches them to corporate card transactions using OCR and real-time policy checks.
Who Is Sage Expense Management Best For?
Sage Expense Management is a strong fit for finance and accounting teams at small to mid-sized businesses that need to bring order to corporate card spending without switching card programs.
Why I Picked Sage Expense Management
I picked Sage Expense Management as one of the best because its AI-powered receipt matching is genuinely unlike anything else I've seen. When a card is swiped, the employee gets a text alert and can reply with a receipt photo, and the system matches it to the transaction automatically. I also love the real-time policy checks that flag violations as they happen, so issues get caught before a report ever reaches an approver's queue.
Sage Expense Management Key Features
- Multi-channel receipt capture: Submit receipts via text message, email forwarding, Gmail and Outlook plugins, the mobile app, or Dropbox and Google Drive.
- Real-time budget tracking: Set budgets by department, project, category, or cost center, with threshold alerts so employees see remaining budget before they submit.
- Mileage tracking with GPS: Log trips through the mobile app using Google Maps, with custom rates, commute deductions, and IRS-ready records built in.
- Audit logs and auditor role: Every change at the expense and report level is recorded, and a dedicated auditor role gives finance teams clean visibility for compliance review.
Sage Expense Management Integrations
Sage Expense Management offers native integrations with QuickBooks Online, Xero, Sage 50, Sage Intacct, Sage 300 CRE, QuickBooks Desktop, Gmail, Outlook, Dropbox, Google Drive, Google Maps, and TravelPerk. Its API supports custom integrations on Business and Enterprise plans.
Pros and Cons
Pros:
- Audit logs give finance clearer review trails
- Quick mobile uploads reduce submission delays
- Text alerts pair receipts with card charges
Cons:
- App bugs and sync errors disrupt reviews
- OCR can misread or duplicate receipts
Learn more about Sage Expense Management (formerly Fyle):
Best for payroll-linked expense tracking- Free demo available
- Pricing upon request
Visit WebsiteCustomer Rating:4.3/5
Paylocity’s expense management dashboard links reimbursements with payroll for easy financial tracking. Paylocity is a comprehensive HR and payroll platform that also provides a robust expense management solution. Its built-in expense tracking system helps you manage reimbursements, capture receipts, and maintain compliance, all within the same environment you use for payroll and employee data. This makes it ideal for organizations that want unified financial oversight across HR and finance functions.
Why I picked Paylocity: I picked Paylocity because it blends expense tracking directly with payroll processing, which can save you hours each month. You can set custom expense policies, automate reimbursement approvals, and have approved expenses flow straight into payroll for faster processing. I also like that Paylocity’s AI tools automatically capture receipts and categorize transactions, so you can reduce manual entry and improve accuracy. Its mobile app adds even more convenience, letting you submit, review, or approve expenses from anywhere.
Paylocity Standout Features and Integrations
Standout features include AI-powered receipt capture, customizable approval workflows, and integrated fraud detection to ensure compliance. The platform also supports mileage tracking and card transaction imports, giving you full visibility into business spending.
Integrations include Indeed, Ironclad, Jira Software, OneTrust, PARiM, Rain, Tilt, Timeero, VICTIG, When, 15Five, and 401GO.
Pros and Cons
Pros:
- Direct integration with payroll
- Automated receipt capture and categorization
- Mobile app for real-time expense tracking
Cons:
- Pricing only available upon request
- Learning curve due to broad feature set
Learn more about Paylocity:
Airbase lets your employees submit reimbursement requests from a desktop or through their app. Airbase is a spend management platform that gives you high-level insight into how much your company is expensing and on what.
Why I picked Airbase: I like that it has features that allow you to proactively manage your expenses and spending. Instead of finding out about surprise expenses after they’ve occurred, you’ve got spend controls and rule-based expense policies to prevent them in the first place.
Airbase Standout Features and Integrations:
Features include spending limits and budgets, which you can set for different departments or teams. I think this would be a great tool to hold people accountable, as well as proactively give managers a better understanding of how much money they have to work with. I think Airbase’s mobile app makes it easy to capture receipts. It also provides a detailed audit trail for every expense.
Integrations include NetSuite, QuickBooks, Xero, Jira, Ironclad, and Slack.
Pros and Cons
Pros:
- Strong focus on control and compliance
- Advanced reporting and analytics
- Easy to reimburse employees
Cons:
- No offline connectivity
- Limited integrations
6Best for automated expense reportingRamp
- Free plan available; 30-day free trial
- From $15/user/month
Visit WebsiteCustomer Rating:4.8/5
Ramp provides an automated accounting dashboard that categorizes transactions, syncs expenses, and flags missing memos for review. Ramp is an expense tracking software that simplifies financial management for businesses. It offers a suite of tools, including corporate cards and accounts payable, to simplify your expense processes.
Why I Picked Ramp: I chose Ramp because it automates expense reporting, saving you from manual entry by capturing and categorizing expenses for you. You also get real-time transaction monitoring to track spending as it happens and customizable approval flows to match your company’s needs, helping you stay on budget and keep processes moving smoothly.
Ramp Standout Features and Integrations:
Features include global payment support, which allows you to handle transactions in multiple currencies, making it ideal for businesses with international operations. Another feature is the quick implementation process, letting you get up and running in just 30 days. Plus, Ramp provides free tools like expense policy templates to help you manage your finances more effectively.
Integrations include NetSuite, Sage, Xero, QuickBooks, Microsoft Dynamics Business Central, Acumatica, Uber, Lyft, Okta, Google, Rippling, and Gmail.
Pros and Cons
Pros:
- Automated expense reporting and receipt matching
- Ability to issue multiple virtual cards with customizable controls
- Comprehensive reporting features
Cons:
- Could offer more advanced accounting features
- Mostly focuses on accounts payable and spend management
Best for travel expense tracking- Free plan available
- Pricing upon request
Visit WebsiteCustomer Rating:4.7/5
Navan’s expense management dashboard provides an overview of your organization’s spend. Navan (formerly called TripActions) is a software that helps companies manage corporate cards, manage travel expenses, and track other operating costs.
Why I picked Navan: I think Navan stands out as the best solution for tracking travel expenses. I was impressed by its group travel features and user-friendly interface.
Navan Standout Features and Integrations:
Features include simplified online booking. I like how you can make employee flight and hotel reservations within the software. The group travel options allow you to book travel arrangements for up to 50 employees at a time.
I was impressed by Navan’s automated expense management. It automatically categorizes and reconciles transaction details whenever a company card is used in person or online.
Integrations include Slack, QuickBooks, NetSuite, Okta, Expensify, and Sage Intacct.
Pros and Cons
Pros:
- Automated reconciliation simplifies the expense reporting process
- Easy to integrate with various travel booking platforms
- Intuitive interface
Cons:
- May be too complex for small businesses
- Pricing details aren’t transparent
Learn more about Navan:
8Best all-in-one expense trackingPerk
- Free plan available
- From $99/month (+ 3% per booking)
Visit WebsiteCustomer Rating:4.6/5
TravelPerk’s trip reporting dashboard provides an overview of monthly travel spending. Despite its name, TravelPerk doesn’t just handle travel expenses. It offers a variety of expense management tools and features.
Why I picked TravelPerk: If you want expense tracking software with lots of features, I think TravelPerk is an option worth considering. I like that you get unlimited users, as other per-software user costs can really start to add up.
TravelPerk Standout Features and Integrations:
Features include one interface for your travel booking, expense tracking, and reimbursement. I personally like having access to everything in one centralized place. TravelPerk allows you to book within the app, capture and manage your expenses while booking flights, accommodations, and transportation.
Integrations include Slack, Divvy, Rydoo, WeWork, Ramp, Expensify, Fyle, Zoom, and a few others.
Pros and Cons
Pros:
- User-friendly interface
- Booking tools
- Flat fee
Cons:
- Customizations are limited
- Mobile app could be more user-friendly
Learn more about Perk:
Best for integrations- 14-day free trial
- From $3/user/month (billed annually)
Visit WebsiteCustomer Rating:4.5/5
The trips section within the Zoho Expense app. Zoho Expense is a standalone travel and expense management software created by the same company as the popular Zoho Books accounting software.
Why I picked Zoho Expense: Zoho Expense gives you access to a huge library of 3rd party integrations and ad-ons that can be used in tandem with their software.
Zoho Expense Standout Features and Integrations:
Features include Zoho Expense’s ability to scan receipts and import them in bulk. I like that your receipts are digitally stored within the software as well, so you don’t have to worry about losing paper copies.
Zoho Expense also has some of the best mileage tracking tools I came across. Employees have the option to enter their mileage via Android, iPhone, or Apple Watch.
For companies already using Zoho Books for accounting, I think Zoho Expense seems like it might be a good fit.
Integrations include QuickBooks, Xero, GetThere, Lyft, Uber, HSBC, Slack, Dropbox, Office 365, and a few more.
Pros and Cons
Pros:
- Mobile app for scanning and tracking receipts
- Easy to learn and use
- Integration options
Cons:
- Limited features on free plan
- No single-user plan (3 user minimum)
Learn more about Zoho Expense:
Divvy offers a desktop and mobile app, as well as virtual cards. Divvy is a free expense tracking software.
Why I picked Divvy: Divvy is totally free to use. They don’t offer any paid plans. So how does Divvy make any money? They get a cut of the merchant fee that would normally go to Visa or the issuing bank whenever you use their credit card.
Divvy Standout Features and Integrations:
Features include a totally free expense tracking software, a corporate card, that even offers rewards. I like the idea of being able to manage all of the company’s cards and expenses in one place. Divvy’s software allows you to create budgets and control spending. I think the Divvy dashboard makes it easy to see all expense transactions in real time.
Integrations include QuickBooks, NetSuite, Sage Intacct, and Slack.
Pros and Cons
Pros:
- Includes free physical and virtual corporate cards
- User-friendly mobile app
- Totally free
Cons:
- Fewer features than paid alternatives
- Limited integrations
Learn more about Divvy:
Outro software de controlo de despesas
Eis algumas opções adicionais de software de controlo de despesas que não integraram a minha lista selecionada, mas que ainda assim vale a pena consultar:
- 11BrexBest for startups and small business
- 12RydooBest for mobile users
- 13CoupaBest for supplier integrations
- 14PuzzleBest for AI-powered categorization accuracy
- 15ExpensifyBest for automated receipt scanning features
- 16SAP ConcurBest for large companies
- 17SlashBest for managing multi-entity expenses
- 18LicenceOneBest for SaaS spend management and security
- 19ExpensePointBest for global teams
- 20Rippling SpendBest for automated policy controls
How I Evaluate Expense Tracking Software
I split my evaluation into two layers: the must-have capabilities—receipt capture, approval workflows, policy controls—and the differentiators that distinguish one tool from another.
Core Functionality (Table Stakes For This List)
When I'm selecting tools for my list, I rank each one on a scale from 0 (does not offer the functionality) to 5 (excels in this area) for each core functionality listed below. Then, I calculate the tool's total score into a percentage. Each tool needs to achieve a minimum total score of 75% to be considered for inclusion.
- Receipt Capture & OCR: I check whether a mobile snap or email forward accurately pulls vendor name, date, and amount—or if your team is still keying in receipt data by hand.
- Expense Report Workflows: Multi-step approval routing matters here, especially for teams where a $200 meal goes to a manager but a $5,000 conference trip escalates to a director.
- Policy Enforcement & Flagging: I look for tools that auto-flag violations at submission—like per-meal limits or unapproved vendors—rather than relying on approvers to catch them manually.
- Corporate Card Reconciliation: Card feeds from Visa, Mastercard, or Amex should auto-match to submitted receipts so your AP team isn't cross-referencing statements in a spreadsheet each month.
- Accounting System Integration: I evaluate native connections to platforms like QuickBooks, Xero, NetSuite, and Sage Intacct, checking whether expense codes and dimensions map cleanly to your GL.
- Reimbursement Processing: Tools should support direct deposit or payroll-integrated reimbursement, and I look at whether they handle multi-currency payouts for distributed teams.
Once I have a list of tools that meet this criteria, I consider what sets each platform apart.
Differentiating Factors (What Sets Vendors Apart)
Here's how I compare and contrast different vendors:
Standout Features
AI-powered audit catches duplicate receipts and inflated amounts before an approver even opens the report, which saves hours of manual review each close. Real-time spend dashboards with drill-downs by department, project, or vendor give FP&A managers visibility to course-correct mid-quarter. I also evaluate whether a tool offers native corporate card issuance with per-card spend limits and merchant restrictions applied at the point of swipe.
Beyond Features
Compliance matters—I check for SOC 2 Type II certification and whether the platform retains digital receipts long enough to satisfy local audit requirements. ERP connectivity is another big factor, especially whether GL dimension mapping works cleanly with your chart of accounts or requires manual cleanup after sync. For growing organizations, I evaluate multi-entity and multi-currency consolidation so finance teams can manage subsidiaries from a single instance without toggling between environments.
Como escolher software de controlo de despesas
É fácil perder-se em listas extensas de funcionalidades e estruturas de preços complexas. Para o ajudar a manter-se focado enquanto avança no seu processo único de seleção de software, eis uma lista de fatores a ter em conta:
| Fator | O que considerar |
|---|---|
| FatorEscalabilidade | O que considerarO software pode crescer com a sua empresa? Considere se suporta utilizadores, transações e dados adicionais à medida que a sua empresa se expande. |
| FatorIntegrações | O que considerarConsegue ligar-se aos seus sistemas existentes? Verifique a compatibilidade com as suas ferramentas de contabilidade atuais e outro software essencial. |
| FatorPossibilidade de personalização | O que considerarPode adaptar a ferramenta às suas necessidades? Procure opções de personalização nos fluxos de trabalho, relatórios e funções dos utilizadores, de modo a corresponder aos seus processos. |
| FatorFacilidade de utilização | O que considerarO software é intuitivo para a sua equipa? Avalie a interface de utilizador e a rapidez com que os membros da equipa conseguem navegar na ferramenta e utilizá-la eficazmente. |
| FatorImplementação e integração inicial | O que considerarQuanto tempo será necessário para começar? Considere o tempo de configuração, os materiais de formação e o apoio disponibilizado durante a fase inicial. |
| FatorCusto | O que considerarQual é o custo total de propriedade? Compare os modelos de preços, incluindo taxas de subscrição, custos adicionais e quaisquer potenciais custos ocultos. |
| FatorMedidas de segurança | O que considerarComo protege o software os seus dados? Certifique-se de que dispõe de encriptação robusta, controlos de acesso e conformidade com as normas do setor. |
O que é software de controlo de despesas?
O software de controlo de despesas é uma ferramenta que ajuda as empresas a registar, gerir e analisar as suas despesas. É normalmente utilizado por profissionais de finanças, contabilistas e gestores para obter informações sobre os padrões de gastos e tomar decisões financeiras fundamentadas. Funcionalidades como o controlo de despesas em tempo real, a leitura automática de recibos e as capacidades de integração ajudam a melhorar a eficiência e a precisão na gestão das despesas. Estas ferramentas proporcionam valor global ao simplificarem a supervisão financeira e melhorarem o controlo do orçamento.
Funcionalidades
Eis as principais funcionalidades que qualquer bom software de controlo de despesas deve ter:
- Controlo em tempo real: Permite monitorizar as despesas à medida que ocorrem, garantindo registos financeiros atualizados.
- Digitalização automática de recibos: Converte recibos em papel em dados digitais, poupando tempo e reduzindo os erros de introdução manual.
- Capacidades de integração: Liga-se aos sistemas contabilísticos e empresariais existentes para simplificar o fluxo de dados e melhorar a precisão.
- Relatórios personalizáveis: Disponibiliza relatórios adaptados para fornecer informações específicas às necessidades e aos objetivos financeiros da sua empresa.
- Suporte para várias moedas: Permite acompanhar e gerir despesas em várias moedas, sendo essencial para operações internacionais.
- Fluxos de trabalho de aprovação: Simplificam o processo de aprovação de despesas, garantindo a conformidade e o controlo dos gastos.
- Acesso móvel: Proporciona acesso aos dados de despesas em qualquer lugar, permitindo aos utilizadores gerir as finanças a partir de qualquer local.
- Segurança dos dados: Garante a proteção de informações financeiras sensíveis através de encriptação e controlos de acesso.
- Interface intuitiva: Disponibiliza um design intuitivo que facilita a navegação e a utilização eficaz do software pelos utilizadores.
Benefícios
A implementação de software de controlo de despesas proporciona vários benefícios à sua equipa e à sua empresa. Eis alguns dos benefícios que pode esperar:
- Maior precisão: A digitalização automática de recibos reduz os erros manuais, garantindo registos financeiros precisos.
- Poupança de tempo: O controlo em tempo real e o acesso móvel permitem aos utilizadores gerir as despesas de forma rápida e eficiente.
- Maior visibilidade: Os relatórios personalizáveis fornecem informações sobre os padrões de gastos, ajudando a tomar decisões fundamentadas.
- Melhor conformidade: Os fluxos de trabalho de aprovação garantem que as despesas são analisadas e aprovadas, mantendo o controlo dos gastos.
- Gestão de custos: O suporte para várias moedas e as capacidades de integração ajudam a monitorizar e gerir despesas em várias plataformas e regiões.
- Segurança dos dados: Uma encriptação robusta e os controlos de acesso protegem as informações financeiras sensíveis contra acessos não autorizados.
Custos e preços
A seleção de software de controlo de despesas exige uma compreensão dos vários modelos de preços e planos disponíveis. Os custos variam consoante as funcionalidades, a dimensão da equipa, os complementos e outros fatores. A tabela abaixo resume os planos mais comuns, os respetivos preços médios e as funcionalidades normalmente incluídas nas soluções de software de controlo de despesas:
Tabela de comparação de planos de software de controlo de despesas
| Tipo de plano | Preço médio | Funcionalidades comuns |
|---|---|---|
| Tipo de planoPlano gratuito | Preço médio$0 | Funcionalidades comunsControlo básico de despesas, carregamentos limitados de recibos e relatórios essenciais. |
| Tipo de planoPlano pessoal | Preço médio$5-$25/utilizador/mês | Funcionalidades comunsCarregamentos ilimitados de recibos, acesso móvel e integrações básicas. |
| Tipo de planoPlano empresarial | Preço médio$25-$50/utilizador/mês | Funcionalidades comunsRelatórios avançados, suporte para várias moedas e fluxos de trabalho de aprovação. |
| Tipo de planoPlano empresarial avançado | Preço médio$50-$100/utilizador/mês | Funcionalidades comunsFuncionalidades personalizáveis, integração com sistemas empresariais e suporte dedicado. |
