BILL Spend & Expense vs Navan
Expense Management pricing comparison · 2026
BILL Spend & Expense pricing ranges from $0–$89/free, while Navan ranges from $0–$15/per user per month. Navan is typically 89% more affordable, though your actual cost depends on tier and team size.
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BILL Spend & Expense and Navan both operate in the expense management category. This page compares their list pricing.
Plan-by-Plan Pricing
| Plan | BILL Spend & Expense | Navan |
|---|---|---|
| Free | Free /month | Free /month |
| Premium Add-ons | Custom | $15 /user/month |
| Enterprise | — | Custom |
Cost at Scale
Total cost of ownership — licenses, implementation, and hidden costs included.
BILL Spend & Expense
3 scenarios$0/month (completely free)
Small Business with 5 Employees
with credit limit based on bank balance
$0/month
Growing Company with 25 Employees
base + premium reimbursement add-on (pricing undisclosed)
$0/month
Mid-Size Company with 100 Employees
base + implementation and reporting add-ons (custom pricing)
Navan
4 scenarios$4,500 Year 1 ($0 travel + $4,500 expense: 25 users × $15/user × 12 months)
Small Business (25 employees, Business Expense)
$18,000 Year 1 ($0 travel + $18,000 expense: 100 users × $15/user × 12 months)
Mid-Market (100 employees, Business Expense)
$104,649/year (median negotiated price for 500-user T&E deployment, ~$209/user/year)
Enterprise (500 employees, negotiated contract)
Market Intelligence
BILL Spend & Expense
- Median annual cost
- $1,000
- Based on
- 679 deals
Navan
- Median annual cost
- $15,000
- Average negotiated discount
- 34%
- Based on
- 376 deals