If you need to file a work expense report and get it approved, ExpenseOS Agent is the only free option in either directory that does the whole loop: capture the receipt, price the mileage, build the PDF, and email your manager a one-click approve link. Most of the alternatives are read-only, or are built for bookkeeping rather than reimbursement. The table below says where each one genuinely wins.
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Almost every expense integration in ChatGPT and Claude is read-only. That is not a criticism, it is a design choice: they connect an assistant to expense data that a company already holds somewhere else, so you can ask questions about it. Expensify's documentation is explicit that its server cannot approve reports, edit expenses, reimburse payments or manage workspace settings.
That distinction decides which product is right for you. If your employer already runs a corporate expense platform and you just want to ask it questions, a read-only connector is exactly right. If you are the person holding a phone full of receipts with no corporate platform behind you, a read-only connector cannot help, because the filing still has to happen somewhere.
Every cell below comes from that product's own public documentation and was checked on 16 September 2026. Where a product does not state something either way, the cell says so rather than guessing, and where a rival beats ExpenseOS the table says that too.
| ExpenseOS Agent | Expensify MCP | ExpenseBot | Ledgy | |
|---|---|---|---|---|
| Works in ChatGPT | Yes, listed in the app directory | Yes, listed | Yes, listed | Yes, listed |
| Works in Claude | Yes, connector directory | Yes, official setup guide | Yes, connector directory | Yes |
| Files a new expense from a receipt photo in chat | Yes | No, read-only | Yes | Yes, for personal transactions |
| Mileage priced at the IRS rate | Yes, routed server-side at the rate for the drive date | No, read-only | Mileage tracking, via Google Maps | Not documented |
| Builds a PDF expense report | Yes, with a receipt appendix | No, read-only | Yes, reports for an accountant | Not documented |
| Sends it to a manager for one-click approval | Yes, a 14-day link, no account needed | No, cannot approve reports | Not documented | Not documented |
| Needs an account on a separate expense platform | No | Yes, an Expensify account and workspace | Yes, an ExpenseBot account | Yes, the iOS app |
| Cost to one employee | Free | Not verified from their pricing page | $10 per seat per month, 60-day free trial, free forever for accountants | Free for solo, $2.99 a month for cloud sync |
| What it is really for | Filing and tracking work expense reports | Querying expense data a company already holds in Expensify | Books and taxes for a small business, in Google Workspace | Personal multi-currency spending, on iOS |
Ledgy's own site now says it is becoming Manilo. It is listed here because it appears in ChatGPT's directory today, but check the name before you rely on it.
ExpenseOS Agent. A free expense agent for the person who has to file the report. The ledger, the report and the approval email all live here, so there is no other system to open and no company rollout to wait for. It moves no money and enforces no policy: your employer reimburses you exactly as it does now.
Expensify MCP. A read-only window onto an Expensify account. Expensify's own documentation says the server provides read-only access through a Search tool and that it cannot approve reports, edit expenses, reimburse payments or manage workspace settings. It is genuinely good at what it is for, asking questions about spend your company already tracks, but the filing still happens inside Expensify, and you need an Expensify account and the workspace permissions that go with it.
ExpenseBot. An AI bookkeeping product built around Google Workspace. It scans Gmail for receipts, tracks income as well as expenses, produces a live profit-and-loss, and exports to QuickBooks, Xero, Sage, NetSuite and Wave. If you are a freelancer or a small business owner doing your own books, it does more than ExpenseOS does. What its own pages do not document is a manager approval workflow, because that is not the job it is built for: it files to an accountant, not to an employer.
Ledgy. A personal multi-currency expense tracker for iOS with a well-built MCP server. Free for solo use. It is aimed at tracking your own spending rather than claiming money back from an employer, and its own site does not document mileage at the IRS rate, PDF expense reports or an approval step. Note that Ledgy's site now says it is becoming Manilo, so check the name before relying on it.
A comparison that never concedes anything is worth nothing, so here is the honest split. If one of these describes you, the other product is the better buy and you should stop reading.
The agent exposes 17 tools, and the ones that matter here are the writes: adding an expense, logging a drive, building the report, and sending it for approval. A read-only connector has no equivalent of any of them.
get_capabilitiesExplains the agent. The one tool that works before you sign in.my_accountYour saved approver, employee ID, department, cost centre and receipt policy, so nothing gets asked twice.add_receiptSaves a receipt from a photo, PDF, screenshot or a plain sentence, keeping the original image for the audit trail.my_receiptsThe unsubmitted ledger, grouped by trip or by month, with totals.log_mileageTurns a described drive into a mileage expense. The distance is routed server-side and priced at the IRS rate for the date you drove.update_expenseCorrects an expense already in the ledger, or attaches a receipt image to one that was missing it.delete_expenseRemoves an unsubmitted expense.my_dashboardThe whole picture in one card: unsubmitted total, money owed to you, and every report with its status.recall_reportPulls a sent report back for editing. The approver's link stops working immediately.delete_reportDeletes a draft. Its expenses go back to the ledger rather than being destroyed.set_my_expense_rulesSaves your approver, employee ID, department, cost centre and whether your company requires a receipt for everything.import_my_historySeeds the ledger from an expense spreadsheet you paste in as CSV.make_my_expense_reportBuilds the report and every file version of it. Scope it to a trip, a month or a date range.submit_my_reportEmails your approver the report with a one-click approve button, valid for 14 days. They need no account.email_my_reportSends the files to you, your accountant or an accounts-payable inbox, with no approval link attached.mark_reimbursedCloses a report as paid and stops its days-owed counter.my_reimbursement_statusEvery report's state, with a counter for how long you have been waiting.The agent is free for you. There is no company account to arrange, no seat to be assigned, no credit card, and no approval from your finance team. Sign in with Google, Microsoft or a six-digit email code, and a personal email address is fine to start. The paid ExpenseOS platform is a separate product your company can buy later; it adds instant reimbursement the moment a report clears policy.
Yes, and it stays free. Receipts, mileage, reports, PDF and Excel exports, one-click manager approval and reimbursement tracking are all included at no cost, with no credit card. The paid ExpenseOS platform is a separate product for companies; it adds instant reimbursement the moment a report clears policy.
Expensify's MCP server is read-only and needs an Expensify account. Its own documentation says it provides read-only access through a Search tool and cannot approve reports, edit expenses, reimburse payments or manage workspace settings, so you still file the report inside Expensify. ExpenseOS's agent is where the report is created: it captures the expense, builds the files and sends the approval email, and you do not need a corporate expense platform at all.
No. You can start on your own, today, with a personal email address. Your approver does not need an account either. They get an email with a one-click approve button and never sign in anywhere.
Yes. It is listed in ChatGPT's app directory under Business & Operations, still under its former name "PuraFi Expenses" while that is updated. Add it, sign in once, then drop receipt photos into the chat and ask for your report. ChatGPT renders your ledger and the finished report as cards you can act on.
Yes. It is in Claude's connector directory: Settings, Connectors, Browse, then search for "PuraFi Expenses", which is the name the listing still carries. You can also add it by hand as a custom connector using the server URL, since it is a standard Model Context Protocol server.
They get an email with the PDF attached and a one-click Review and Approve button, valid for 14 days. They do not need a ExpenseOS account, an app, or a login. If you sent it to the wrong person or spotted a mistake, you can recall the report and the link stops working immediately.
Four, every time: a PDF with a receipt appendix, an Excel (XLSX) workbook, a CSV, and a QuickBooks-ready CSV in QuickBooks Online's bank-import format. All four are on the report page and on your dashboard.
Yes, and it works out the distance for you. Describe the drive in a sentence and ExpenseOS routes it server-side with a mapping service, then applies the IRS standard mileage rate for the date you drove, including 2026's mid-year rate change. It never asks the model to guess a distance or recall a rate.
Then use ExpenseOS to build the report and email the files to yourself instead of routing them for approval. You get the PDF, Excel, CSV and QuickBooks files, and you file them however your employer wants. Plenty of people use it purely to stop keeping receipts in a shoebox.
No, by design. It prepares and tracks reports. It does not reimburse you, enforce a policy or decide whether an expense is allowed. Your company pays you exactly the way it does today. The only thing it sends outside your account is the approval email you ask it to send.
ExpenseOS is listed in both directories, so you should not need this. If your client has no directory, add this as a custom Model Context Protocol connector and sign in when prompted:
https://mcp.purafi.ai/mcpThe honest test is a real trip. Add the app, throw a week of receipts at it, and see whether the report comes out the way your finance team wants it.