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Expense Management
Sage Expense Management (formerly Fyle)
Expense-management software (formerly Fyle, now part of Sage) with real-time corporate card feeds, receipt OCR, and two-way accounting integrations.
Spec sheet
All-in India price
₹1,174/user/mo
For a registered business, billed yearly, $11.99/user/mo sticker
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 29 Jul 2026
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Claim this listingFindThatSoftware verdictEditorial ruling
A strong pick for finance teams that want automated expense management on top of their existing cards, with real-time feeds and accounting sync. It's software-led, so it complements rather than issues cards.
Read the full verdict
Verify current per-user pricing and supported card networks.
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In short
Sage Expense Management (formerly Fyle) is listed under Expense Management, reviewed for Indian buyers. All-in it runs about ₹1,174/user/mo for a GST-registered business ($11.99/user/mo sticker plus about 3.5% card forex). That is per user with a 5-user minimum, so the smallest bill is about ₹5,870 a month. FindThatSoftware rates it best for finance teams automating expenses; a poor fit for Indian companies that want the tool to actually pay reimbursements, because the only built-in payment rail is US domestic ACH.
What Sage Expense Management (formerly Fyle) costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
Registered business, per user per month, billed yearly
₹1,174
Sage Expense Management (formerly Fyle) advertises $11.99/user/mo. A GST-registered business in India pays about ₹1,174 a month (₹14,090/yr) once the roughly 3.5% card forex markup is added, with GST reclaimed as input credit. If you cannot reclaim GST, it is about ₹1,386 a month.
- Sticker price
- $11.99/user/mo
- Card forex markup
- about 3.5% over mid-market
- GST
- 18%, reclaimable if registered
- Registered per user per month
- ₹1,174
- Registered per user per year
- ₹14,090
- If you can't reclaim GST
- ₹1,386
- Watch for
- Now 'Sage Expense Management (formerly Fyle)'.
More
Paid plans from $11.99/user/mo (Growth, min 5 users), with a higher Business tier (min 10) and custom Enterprise, billed annually. No India/INR pricing, so add forex and GST for India. Confirm on vendor site.
Indicative, not a bill. The exchange rate is a single mid-market reference, not a live feed, and GST-registered businesses may reclaim input credit. Confirm current pricing on the vendor site.
Full India pricing breakdownPaying for more than Sage Expense Management (formerly Fyle)? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho Sage Expense Management (formerly Fyle) fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is Sage Expense Management (formerly Fyle)?
Fyle is an expense-management platform (Indian-founded) focused on real-time expense reporting via direct card feeds, receipt capture from text/email, approval workflows, and tight accounting integrations. It targets finance teams that want automation without switching banks or cards.
What you gain, and what you give up.
The case for
- Billing counts only active users, meaning people who filed at least one expense or had a card transaction in that month.
- Expenses and reports are unlimited on every plan, so a heavy filing month does not push the bill up.
- Real-time card feeds from Visa, Mastercard and American Express match receipts as employees swipe instead of waiting for the statement.
The catch
- Reimbursement payouts run on ACH and are marked US only, so an Indian company has no built-in rail to pay employees back.
- Supported accounting integrations are QuickBooks, Xero, NetSuite, Sage Intacct, Sage 300 and Sage 50, with no Tally or Zoho Books connector.
- Minimum billing is five users on Growth and ten on Business, so a three person finance team still pays for five or ten.
- Single sign-on costs extra even on Business, and the NetSuite, Intacct and QuickBooks Desktop integrations each carry a one-time implementation fee.
Best for
- Finance teams automating expenses
- Businesses keeping their existing cards
- Teams wanting accounting-synced expenses
Who should avoid it
- Indian companies that want the tool to actually pay reimbursements, because the only built-in payment rail is US domestic ACH.
- Businesses whose books sit in Tally or Zoho Books, since neither appears anywhere in the supported integrations on the pricing page.
India readiness
How well Sage Expense Management (formerly Fyle) fits an Indian business operationally, from the verified pricing and company facts we hold.
- –GST invoice
Not verified yet.
- ✗Bills in INR
Priced in a foreign currency, so your card or bank adds forex conversion on top.
- ✓India HQ
India-headquartered, so support, timezone, and context are local.
Compare Sage Expense Management (formerly Fyle)
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
How Sage Expense Management (formerly Fyle) compares
Against the 2 other expense management tools we list, from what we verified on each vendor’s own pages.
Also in most alternatives
Recorded for at least half of the 2 others, and for Sage Expense Management (formerly Fyle).
- Audit trail
- Mobile app
- Receipt ocr
- Split expenses
- SSO SAML
This compares only the capabilities enough rival tools share for a comparison to mean anything, roughly a quarter of what we verified. The full list is under “What we verified” below, and anything absent from both is something we did not record rather than something the product lacks.
Similar tools to Sage Expense Management (formerly Fyle)
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Featured in our buying guides
See how Sage Expense Management (formerly Fyle) stacks up against the best options for a specific kind of business.
What we verified about Sage Expense Management (formerly Fyle)
Read from Sage Expense Management (formerly Fyle)’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
What Sage Expense Management (formerly Fyle) does
Features we confirmed42
- Virtual cards
- American Express virtual cards can be issued on your existing cards
- SSO SAML
- SSO with AD and Okta is available, at additional cost below Enterprise
- Split expenses
- Feature comparison lists split expenses
- Receipt ocr
- Vendor: unlimited receipt scanning with automated data extraction
- Rbac
- Security section lists RBAC with tier-limited roles
- Public API
- Business tier mentions API integrations with any accounting, travel, HRMS or payroll software
- Multi entity support
- Business supports multi-currency, multi-region setups with multiple orgs
- Multi currency
- Multi-currency setup is listed under the Business plan
- Mobile app
- Platform menu lists a dedicated mobile app for expense capture
- IP whitelisting
- Enterprise adds IP whitelisting of admin accounts
- Audit trail
- Audit history is an explicit compliance feature
- Ach reimbursements
- ACH payments reimburse employees, marked US only
- AI spend copilot
- Copilot AI answers spend questions and produces expense breakdowns
- Amex card feed
- American Express integration is listed separately in the cards section
- Approve from gmail
- Feature matrix lists approval from Gmail
- Approve from mobile
- Approval from the mobile app is a listed feature
- Auditor role
- Compliance group includes an auditor role and audit history
- Automated receipt matching
- Cards section lists automated receipt matching against transactions
- Billable expenses
- Billable expenses appear in the expenses feature list
- Budget controls
- Budgets section covers budget types, limits and controls
- Bulk receipt upload
- Feature matrix lists bulk receipts on every tier
- Bulk reimbursement payments
- Bulk payments are listed in the reimbursements group
- Credit card reconciliation
- Automated credit card reconciliation is a Growth-tier feature
- Custom data exports
- Business adds custom data exports including MIS
- Custom expense fields
- Custom employee categories and expense fields are configurable
- Email receipt capture
- Unlimited expense tracking from Gmail, Outlook and more
- Expense delegation
- Permanent expense delegation is supported; short-term delegation is not
- Express ach
- Express ACH is a Business-tier reimbursement feature, US only
- Instant spend notifications
- Instant text notifications fire on card spend
- Micro deposit verification
- Micro-deposit verification confirms employee bank accounts
- Mileage tracking
- Mileage and per diem tracking are included from the Growth plan
- Multi stage approvals
- Business adds multi-org, multi-stage and policy-driven approvals
- Payment status sync
- Payment status syncs back to the accounting software
- Per diem tracking
- Per Diem rates are configurable in the accounting ops section
- Personal card management
- Personal card management is listed in the cards feature group
- Policy violation checks
- Business rules run real-time policy violation checks
- Project expense tracking
- Project expense tracking arrives at the Business tier
- Real time card feeds
- Direct integration with Visa and Mastercard via real-time feeds
- Receipt mandate policy
- Receipt mandate rules can be enforced in compliance settings
- Single stage approvals
- Growth includes single-stage approvals
- Statement parser
- Universal statement parser imports credit card statements
- Text to expense
- Receipt collection and expense completion via text message is a headline feature
What people use it for4
- Keep books and share with CA
- Real-time feeds match receipts as employees swipe
- Close books faster
- Two-way accounting sync is pitched at faster monthly close
- Reimburse employee expenses
- Non-profits industry page covers grant compliance and volunteer spend
- Track construction project costs
- Construction is a named industry with project cost tracking
Works with15
- Xero
- Two-way Xero integration is included from Growth
- Visa
- Direct real-time card feed integration with Visa business cards
- Outlook
- Outlook is a supported receipt capture source
- Okta
- Enterprise SSO supports Okta
- Netsuite
- NetSuite two-way integration at the Business tier with implementation fee
- Microsoft active directory
- Enterprise SSO supports AD
- Mastercard
- Direct real-time feed integration with Mastercard
- Google workspace
- Google single sign-on is available at the Enterprise tier
- Gmail
- Expenses can be captured directly from Gmail and approved there
- American express
- Amex feeds plus Amex virtual card issuance
- Quickbooks desktop
- QuickBooks Desktop integration available at extra cost
- Quickbooks online
- Two-way QuickBooks Online integration on every plan
- Sage 300 cre
- Sage 300 Construction and Real Estate integration for project expenses
- Sage 50
- Sage 50 integration is listed in beta
- Sage intacct
- Sage Intacct export integration, priced differently for existing Intacct customers
Terms, compliance and how you buy29
- SSO costs extra
- SSO is optional at additional fee on the Business plan
- No self serve signup
- Every plan CTA is Get a Demo rather than a sign-up button
- India founded
- Fyle was founded in India, though the product is now Sage-owned and US-centric
- Acquired by sage
- Product is now branded Sage Expense Management, formerly Fyle
- Active user billing
- Only users who file an expense or have a card transaction that month are billed
- Annual billing default
- Headline prices are quoted per active user per month billed annually
- Card agnostic
- Works on your existing cards rather than requiring a new card issuer
- Demo gated purchase
- Buying requires talking to sales even on the entry tier
- Does not issue physical cards
- Software-led approach complements rather than replaces your bank
- Five user minimum
- Growth carries a minimum billing of five users
- Integration implementation fees
- NetSuite, Intacct, Sage 300 CRE and QuickBooks Desktop carry one-time implementation fees
- Irs mileage rates
- Mileage rates default to the standard IRS rate
- Named account manager on business
- Business tier includes a named account manager
- No free plan
- There is no free tier; every plan starts paid
- No india payment rail
- There is no built-in Indian rail to actually pay employees back
- No india pricing
- No rupee pricing, so Indian buyers add forex and GST
- Nonprofit and education discounts
- FAQ confirms special discounts for non-profits and educational institutions
- No tally integration
- Supported accounting list has no Tally connector
- No zoho books integration
- Zoho Books does not appear anywhere in the supported integrations
- Premium support costs extra
- Live chat support on Growth carries an additional fee
- Pricing differs for sage customers
- Vendor notes pricing may differ for existing Sage Intacct customers
- Quote only enterprise pricing
- Enterprise is custom priced for 250+ employee organisations
- Reseller and accountant programme
- Vendor runs value-added reseller and accounting-firm partner tracks
- Ten user minimum
- Business carries a minimum billing of ten users
- Unlimited expenses and reports
- Vendor confirms unlimited expenses and reports on every plan
- Usd billed
- Pricing is published only in US dollars with no INR option
- Us gaap accounting orientation
- Integrations are QuickBooks, Xero, NetSuite and Sage products
- Us only reimbursements
- ACH reimbursements are explicitly marked US only
- White label embedded option
- Partners page offers white-labelled embedded expense management
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
Verified against the sources above. How we research & rate software →
Sage Expense Management (formerly Fyle) questions
Does Sage Expense Management (formerly Fyle) give a GST invoice in India?
- Whether Sage Expense Management (formerly Fyle) issues an India GST invoice is not verified yet. Foreign-billed tools usually don't, in which case a registered business reclaims GST via reverse charge; confirm the vendor's billing before you buy.
Is Sage Expense Management (formerly Fyle) good for Indian small businesses?
- It suits finance teams automating expenses. It bills in a foreign currency, so expect the card forex markup on every charge. It is not the right pick for Indian companies that want the tool to actually pay reimbursements, because the only built-in payment rail is US domestic ACH.
Does Sage Expense Management (formerly Fyle) have a free plan?
- Sage Expense Management (formerly Fyle) does not list a permanent free plan in FindThatSoftware data. Check the official pricing page for trial terms and current offers.
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