Free plan
Free plan available
Expense management software · Alternatives
Best Settle alternatives in India (2026)
Settle is an expense management software product from Settle Inc., San Francisco, priced at On request with a free plan. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 16 have a free plan, 6 are built in India.
Quick answer
The closest alternatives to Settle are Pleo (Free plan), Pluto (Free plan), RazorpayX Corporate Cards (Free), Emburse Certify (₹1,000/mo) and Open Money (Free plan). Pleo is the top-ranked option with a free plan. Published prices in this list start at ₹1,000/month.
Why businesses look for a Settle alternative
Indian support and GST
Settle is built in USA. 6 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
Settle alternatives compared
Ranked by how closely each product matches Settle's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Settle (current) | On request | Yes | Web | No | 4.3/5 | — |
| 1 | Pleo | Free plan | Yes | Web | No | 4.4/5 | |
| 2 |  Pluto | Free plan | Yes | Web | No | 4.3/5 | |
| 3 |  RazorpayX Corporate Cards | Free | Yes | Web | Yes | 4.5/5 | |
| 4 |  Emburse Certify | ₹1,000/mo | No | Web | No | 4.4/5 | |
| 5 |  Open Money | Free plan | Yes | Web | Yes | 4.4/5 | |
| 6 |  Expensify | Free plan | Yes | Web | No | 4.6/5 | |
| 7 |  Brex | Free plan | Yes | Web | No | 4.4/5 | |
| 8 |  Zoho Expense | Free plan | Yes | Web | Yes | 4.8/5 | |
| 9 |  Qashio | On request | No | Web | No | 3.9/5 | |
| 10 |  Navan | Free plan | Yes | Web | No | 4.4/5 | |
| 11 |  Spendwise | On request | No | Web | No | 3.9/5 | |
| 12 |  Karbon Business | Free | Yes | Web | Yes | 4.7/5 | |
| 13 |  Kodo | Free | Yes | Web | Yes | 4.7/5 | |
| 14 |  Mesh Payments | Free plan | Yes | Web | No | 4.3/5 | |
| 15 |  Finofo | On request | No | Web | No | 4/5 | |
| 16 |  Jenji | Free plan | Yes | Web | No | 4.3/5 | |
| 17 |  Moss | Free plan | Yes | Web | No | 4.3/5 | |
| 18 |  MileIQ | Free plan | Yes | Web | No | 4.3/5 | |
| 19 |  Zoho Expense India Edition | Free plan | Yes | Web | Yes | 4.7/5 | |
| 20 |  Capital on Tap | Free plan | Yes | Web | No | 4.2/5 |
Top 10 Settle alternatives in detail
2. Pluto
Pluto · Dubai · Expense management software · 4.3/5
Corporate cards with cashback plus expense, petty cash and procure-to-pay automation.
Free plan
Free plan available
3. RazorpayX Corporate Cards
Razorpay · Bengaluru · Expense management software · 4.5/5
Corporate cards and expense controls from RazorpayX.
Free
Free plan available
Compared with Settle
- Built in India (Bengaluru)
4. Emburse Certify
Emburse · Los Angeles · Expense management software · 4.4/5
Expense reporting and invoice automation.
₹1,000/mo
Free trial
Compared with Settle
- No free plan, unlike Settle
5. Open Money
Open Financial Technologies · Bengaluru · Expense management software · 4.4/5
Business banking with expense, payouts and accounting automation.
Free plan
Free plan available
Compared with Settle
- Built in India (Bengaluru)
6. Expensify
Expensify · Portland · Expense management software · 4.6/5
Receipt scanning and expense reports with corporate cards.
Free plan
Free plan available
7. Brex
Brex · San Francisco · Expense management software · 4.4/5
Corporate cards, expenses and banking for startups.
Free plan
Free plan available
8. Zoho Expense
Zoho Corporation · Chennai · Expense management software · 4.8/5
Expense reporting, corporate cards and travel management with GST capture.
Free plan
Free plan available
Compared with Settle
- Built in India (Chennai)
9. Qashio
Qashio · Dubai · Expense management software · 3.9/5
Corporate cards and spend management with approval workflows, invoices and reimbursements.
On request
Free trial
Compared with Settle
- No free plan, unlike Settle
10. Navan
Navan · Palo Alto · Expense management software · 4.4/5
Travel and expense management for global companies.
Free plan
Free plan available
Settle alternatives by what you need
Lowest published price
Free Settle alternatives
How to choose a Settle alternative
- Decide whether you want cards. Card-led products are often free because they earn on interchange, but they require moving spend onto their cards.
- Check GST capture — the ability to record supplier GSTIN and claim ITC on employee expenses is a real saving that many global tools skip.
- Look at accounting sync depth: line-level export with cost centres beats a monthly CSV.
Settle alternatives — FAQs
What is the best alternative to Settle in 2026?+
The closest matches to Settle on App Advisor are Pleo (Free plan), Pluto (Free plan), RazorpayX Corporate Cards (Free). They are ranked by how closely their category, pricing model, platforms and target business size match Settle, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Settle?+
Yes. 16 of the 20 alternatives listed have a free plan or are free: Pleo (Free plan), Pluto (Free plan), RazorpayX Corporate Cards (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
What is the cheapest alternative to Settle?+
Among alternatives that publish a price, Emburse Certify starts lowest at ₹1,000/mo. Pleo also has a free plan. Prices are read from each vendor's website and exclude GST.
Is there an Indian alternative to Settle?+
Yes. 6 alternatives are built in India, including RazorpayX Corporate Cards (Free), Open Money (Free plan), Zoho Expense (Free plan). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Settle vs Pleo: which is better?+
Pleo is the closest match to Settle in our catalogue. Compare them side by side before you book a demo.
How were these Settle alternatives chosen?+
Every product listed sits in expense management software or a category Settle also covers, and Settle Inc.'s own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
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Related alternatives
Pleo alternativesPluto alternativesRazorpayX Corporate Cards alternativesEmburse Certify alternativesOpen Money alternativesExpensify alternativesBrex alternativesZoho Expense alternativesQashio alternativesNavan alternativesSpendwise alternativesKarbon Business alternativesAll expense management software alternativesBrowse all alternatives