By integration · Xero expense management

Xero expense management: expense tracking, expense claims and receipt capture that sync to Xero

Xero is a very good ledger, and Xero Expenses does capture receipts and route claims. What it does not do is decide, reliably and at volume, which of your accounts a charge really belongs to, enforce a spend policy across every card in the company, or tell you that two teams are quietly paying for the same software on different cards. That work still lands on a bookkeeper or a controller, usually in the last week of the month.

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Receipts in · categorized spend out · waste flagged

Spend Desk

We never move your money

Drop a receipt, snap a photo, or forward an email

Sample

Connected

Receipts in, categorized spend out

Expenditure reads the vendor, amount, date and tax, categorizes the expense, checks it against your policy, and rolls it into a real-time picture of every dollar, then flags the waste.

Receipt OCR Category GL Policy ✓ Spend

↓ pick a sample receipt and hit Extract

Reading your receipt

Working

Not financial advice · we never move your money

Extracted & categorized

ITEM ......

QTY 1

TAX

TOTAL

Real-time spend

Month to date

+ just now

save /mo

Live, interactive · categorized in seconds

Categorized & policy-checked · works with your existing cards · we never move your money · insights, not financial advice

VISA MASTERCARD YOUR BANK QUICKBOOKS XERO NETSUITE

Works with your existing cards

Bank-grade · we never move your money

Expenditure sits in front of Xero and handles it. Every receipt is read, including line items, and coded to the correct account in your Xero chart of accounts using AI rather than a keyword rule. Each expense is checked against your policy, routed for approval if it needs one, and only then synced into Xero as a clean, coded, approved record. Because the data is right before it lands, your Xero reconciliation becomes a review rather than a repair job. It runs on the cards and bank accounts you already have, so there is no card program to switch, and it never moves or holds your money.

The other thing it does is watch. Xero can tell you what you spent last month. It cannot tell you that a subscription renewed 14 percent higher than last year, or that Design and Marketing both bought the same stock photo tool. Expenditure tracks spend across cards, vendors and subscriptions in real time and flags duplicates, price creep and unused tools while you can still cancel them.

Compared

Xero Expenses and Expenditure, side by side

What Xero handles natively, and what a spend layer in front of it adds. Accurate as of July 2026.

Capability	Xero Expenses	Expenditure with Xero
Receipt capture	Yes, snap or forward a receipt	Yes, plus line-item level reading
Coding to your chart of accounts	Manual selection or simple rules	AI codes each expense, you review
Expense claims and approvals	Yes, claim submission and approval	Yes, plus policy checked before approval
Company expense policy enforcement	Not a policy engine	Rules enforced on every card and claim
Real-time spend across all cards	Reporting after transactions post	Live view across cards and vendors
Duplicate subscription detection	No	Flags overlapping tools and price creep
Pricing	Paid add-on billed per active user on top of your Xero plan	Published per-seat subscription
Requires a new corporate card	No	No

Xero publishes current US add-on rates on its own pricing page and they change, so confirm there before you budget. Expenditure is a layer in front of Xero, not a replacement for it.

Why it works

What your team gets with Xero expense management

Clean data into Xero

Receipts arrive read, coded to the right account and policy-checked, so the Xero reconciliation screen stops being a cleanup queue.

Coding that reads the receipt

AI reads the actual document and its line items instead of guessing from a truncated vendor string on the bank feed.

What the ledger cannot see

Live spend across every card and vendor, with duplicate tools and renewal increases flagged while you can still act.

What it handles

A receipt in, a categorized line out, the waste flagged

Expenditure reads each receipt, categorizes it, checks it against your policy and rolls it into real-time spend, then surfaces the duplicate subscriptions and savings you are leaking.

Reads receipts and codes them to the right Xero account
Checks every expense against your policy before it syncs
Keeps Xero free of miscoded and duplicate expenses
Handles employee claims on personal cards alongside company card spend
Works with your existing cards and banks, no card switch

EXTRACTED In policy

Categorized receipt

VendorFigma

Amount$144.00

CategorySoftware → SaaS

GL account6420 · Software

Savings insight

save $108/mo

You are paying for Figma and Sketch. Teams on both usually consolidate to one.

Visa · QuickBooks · Xero We never move your money

Why Expenditure

Receipts read, spend categorized, waste flagged

Not manual coding, not a stale spreadsheet. Expenditure reads each receipt, checks your policy, shows real-time spend, and flags the savings, all on the cards and banks you already have.

Read and categorized

Snap, forward or drop a receipt. The AI reads the vendor, amount, tax and line items, categorizes it and matches the card, in seconds.

Waste flagged

Duplicate and overlapping subscriptions, unused tools, price creep and out-of-policy spend, surfaced in real time with the potential saving.

Secure and in your control

Bank-grade security, we never move or hold your money, and we never train on your data. Insights, not advice, your finance team decides.

Good questions

Questions about Xero expense management

Yes, up to a point. Xero Expenses is a paid add-on that lets employees submit expense claims, capture receipts and get approvals inside Xero. It is not a spend control platform: it does not enforce a company-wide expense policy across every card, code charges with AI, or flag duplicate subscriptions and price creep. Teams that need those add a layer in front of Xero.

Xero Expenses is a paid add-on billed per active user each month on top of your Xero plan, rather than being included in the base subscription. Xero publishes the current US rate on its own pricing page and adjusts it periodically, so check there before you budget rather than trusting a third-party estimate.

You connect Xero once. After that, every receipt Expenditure reads is coded to the right account in your Xero chart of accounts, checked against your policy, and once approved, synced into Xero as a clean coded record. Because the data is correct before it lands, your close is a review instead of a repair.

Yes. Expenditure is not an accounting system and does not replace your ledger. It captures receipts, codes and policy-checks spend, and finds waste, then feeds clean data into Xero, which stays your book of record for reconciliation, reporting and tax.

Yes. An employee snaps or forwards the receipt, Expenditure reads it, codes it, checks it against your reimbursement policy and routes it for approval. The approved claim then syncs to Xero so it can be reimbursed and recorded correctly alongside company card spend.

It depends on your problem. If you only need employees to submit claims, Xero Expenses may be enough on its own. If your real issue is uncategorized card spend, policy that nobody enforces or subscriptions nobody tracks, you want a spend platform in front of Xero that codes with AI and monitors spend continuously.

Talk to us about your structure before you buy. Multi-entity setups vary a lot in how the chart of accounts and intercompany coding are handled, and we would rather map your specific case honestly upfront than have you discover a gap after you have paid.

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See where every dollar goes, and where you are wasting it.

Receipts read and categorized, policy enforced, real-time spend, and the duplicate subscriptions and savings flagged. It works with the cards you already have and never moves your money.