SAP Concur does not have a cost per user. Its published plans charge per expense report, starting at $7 per report on Base and $11 per report on Plus, with unlimited users on every plan and custom pricing on Premium. So what Concur costs per user depends on how many reports each person files a month: one report is $7 on Base, three reports is $21. Per-user tools such as Expensify, Ramp, Brex and Navan charge for people instead, which makes them cheaper or dearer depending on how often your team files.
That difference is why the per-user figures you find on review sites, usually "$8 per user" or "$9 per user", do not match anything on concur.com. Below is what Concur actually publishes, how to turn it into a per-user number for your own team, and a priced 14-person example against Expensify, Ramp, Navan, Brex and Expenditure. (If you are already shortlisting replacements, our Concur pricing breakdown covers the plans in more depth, and the Concur competitors comparison covers who else to look at.)
How much does Concur cost per user?
Concur costs $0 per user and $7 to $11 per expense report on its published plans, so a user who files one report a month costs $7 on Base or $11 on Plus. Someone who never files, such as an approver or an admin, costs nothing. A frequent traveler who files three separate reports a month costs $21 on Base and $33 on Plus.
SAP Concur's US pricing page lists three plans. Base starts at $7 per report and includes Concur Expense. Plus starts at $11 per report and adds ExpenseIt receipt capture, the User Support Desk and Reporting. Premium is custom-priced and adds Concur Travel and Intelligence on top of the Plus features. All three say "Unlimited users", and the page notes that the price can vary based on your monthly commitment, which is how SAP rewards a company that commits to a volume of reports up front.
Is Concur priced per user or per report?
Per report, on the plans Concur publishes. The per-user quotes that circulate come from two places: older Concur Standard contracts that were sold per user, and negotiated enterprise deals where SAP converts expected report volume into a per-user or per-employee figure. If a sales rep quotes you per user, ask what report volume that assumes, because the published list price is per report.
The per-report model has one practical consequence that catches finance teams out. The cost is set by how your employees file, not by how many of them you have. A policy that asks for one consolidated report per person per month costs a third of one where people file a report after every trip.
Concur cost per user vs Expensify, Ramp, Navan and Brex
Here is every published price, turned into what one person costs a month. Figures come from each vendor's own pricing or help pages.
| Tool and plan | How it bills | Cost per person a month | Who counts | Catch |
|---|---|---|---|---|
| SAP Concur Base | From $7 per report | $7 per report filed | Only reports are billed, users are unlimited | Price varies with monthly commitment |
| SAP Concur Plus | From $11 per report | $11 per report filed | Only reports are billed | Adds ExpenseIt, support desk and reporting |
| Expensify Collect | $5 per member a month | $5 | Every member of the workspace | No annual commitment |
| Expensify Control | $18 per member a month, annual | $9 to $18 | Members in the subscription; $36 above it | Down to $9 only with full Expensify Card use |
| Ramp Free | $0 per user | $0 | Everyone | Your team spends on the Ramp card |
| Ramp Plus | $15 per user a month plus a platform fee | $15, or $12 billed annually | Every user | Platform fee is not printed |
| Navan Business | First 5 expensing users free, then $15 | $0 to $15 | Anyone who submits a transaction that month | Up to 300 employees; Enterprise is quoted |
| Brex | Essentials $0, Premium $12 per user a month | $0 or $12 | Every user | Built around the Brex card |
| Expenditure | $20, $35 or $55 per seat a month billed yearly | $20 to $55 | Every seat, from 3 seats | Keeps your current cards and bank |
A priced example for a 14-person team
Take a 14-person US company. Twelve employees each file one expense report a month and two managers only approve. Nobody wants to change card programs. Here is what a year costs at list price:
- Concur Base: 12 reports a month at $7 is $84 a month, or $1,008 a year. If people file after every trip and average two reports each, it doubles to $2,016.
- Concur Plus: 12 reports at $11 is $1,584 a year, or $3,168 at two reports each.
- Expensify Collect: 14 members at $5 is $840 a year, whatever the report count.
- Expensify Control: 14 members at $18 is $3,024 a year, or $1,512 with the full Expensify Card discount.
- Navan Business: 12 expensing users, the first five free, seven at $15 is $1,260 a year.
- Brex Premium: 14 users at $12 is $2,016 a year. Essentials is $0 if you move to the Brex card.
- Ramp: $0 on Free if you move to the Ramp card; Plus is $2,016 a year billed annually, plus a platform fee.
- Expenditure: 14 seats on Starter is $3,360 a year, and $5,880 on Growth with policy checks and approval routing.
On license cost alone, Concur Base is competitive for a team that files once a month, and Expensify Collect is cheaper still. We cost more than both on paper, and we say so plainly. The comparison changes once you count the hours after submission: someone still codes each line to the right account, checks it against policy and chases the receipt that is missing.
How much does SAP Concur cost for a small business?
For a small business filing 10 to 20 reports a month, Concur Base costs roughly $70 to $140 a month at the published starting price, and Plus roughly $110 to $220. That is before any implementation work. Review sites commonly report that SAP quotes setup, integration and premium support separately, and several list a five-user minimum on older plans, so ask for the full first-year figure, including setup, in writing.
Is Concur more expensive than Expensify?
It depends on how often your people file. Expensify Collect bills $5 per member a month no matter how many reports they submit, while Concur Base bills $7 for every report. A team where each person files once a month pays less on Expensify Collect. A team with many occasional users who file rarely can pay less on Concur, because users who file nothing cost nothing.
The break-even is simple to work out. If your average user files fewer than about 0.7 reports a month, Concur Base is cheaper per person than Expensify Collect. Above that, Expensify Collect wins. Our Expensify pricing page covers the Control plan and its card discount.
How can I lower my Concur cost?
Consolidate reports first. Asking employees to submit one report per month, with every receipt for that month on it, is the single biggest lever under per-report pricing. Then commit to a monthly report volume, since Concur's page says the price varies with commitment. Finally, check whether you actually use Plus: if ExpenseIt receipt capture and the support desk go unused, Base saves $4 on every report.
If you are leaving Concur altogether, plan for what sits downstream. Expense data from Concur often feeds finance dashboards in a warehouse, and tracing which reports depend on those tables before the switch saves a month of broken numbers after it. Our Concur alternative comparison lays out what changes for approvers and admins.
When a per-seat tool beats per-report pricing
Per-report pricing is fine when the report is the whole job. For most US finance teams it is not. The work that costs money is reading receipts, coding each line to the right general ledger account, spotting duplicate submissions and routing anything unusual for approval, then getting a clean file into QuickBooks Online, Xero or NetSuite.
That is what Expenditure is built for. We read every receipt at line level, code it to your chart of accounts, flag possible duplicates before they reach the books, check each expense against your policy, route approvals by amount, vendor or GL account on Growth, and export files for QuickBooks Online, Xero and NetSuite. It works on the Visa, Mastercard and Amex cards you already have, and you can import your card statement as CSV, OFX or QFX so each line is matched to its receipt. See the full list on our expense management platforms comparison, or check Expenditure pricing for seat counts.
We never move or hold your money, we are bank-grade secure, and we never sell or train on your financial data. This is software and insight, not financial, tax or accounting advice.
Frequently asked questions
Does Concur charge for users who never file an expense report?
No, not on the published plans. Base, Plus and Premium all list unlimited users, and Base and Plus bill per report, so approvers, admins and employees who submit nothing in a month add no cost. That is the main advantage of per-report pricing for companies where many people spend only occasionally.
What does Concur Plus include that Base does not?
Concur's pricing page lists Plus at $11 per report with Concur Expense, ExpenseIt, the User Support Desk and Reporting. Base at $7 per report includes Concur Expense only. Premium is custom-priced and adds Concur Travel and Intelligence. The extra $4 per report on Plus pays mainly for receipt capture, employee support and reporting.
Is there a minimum number of users for SAP Concur?
Concur's current pricing page does not print a user minimum, and it lists unlimited users on every plan. It does say the price varies with your monthly commitment, so in practice SAP sets a minimum report volume in the contract. Some review sites cite a five-user minimum from older Standard plans; confirm the minimum in your own quote.