Spend management, version 2026

Every dollar, in plain sight.

Outlay turns the chaos of company spend into a single, honest ledger — cards, approvals, and reimbursements that close the books before the month does.

Start free See the ledger
$0
Spend under control
0
Finance teams
0%
Auto-reconciled
The platform

One ledger for the whole
company's money — open to read,
impossible to fudge.

Most tools show you the spend after it happens. Outlay shows you the spend as it forms — with the controls already wired in.

/ 01 — Approvals

Approvals that move at the speed of a Slack reply.

Route by amount, vendor, or team. The right manager gets one tap; everyone else gets out of the way. No more chasing signatures across four threads.

/ 02 — Categories

Every charge lands where it belongs.

Charges self-categorize against your chart of accounts the moment they post.

/ 03 — Controls

Policy you set once.

/ 04 — Close

The month closes itself.

Receipts matched, GL codes set, everything synced to your accounting suite before you ask. The close goes from days to a coffee.

/ 05 — Visibility

Read-only, all the way down.

Auditors, board, and your future self get a clean trail of who spent what, why, and who said yes — without a single export.

Live ledger

Watch the
money explain itself.

Every transaction arrives with the merchant, the person, the policy it passed, and the receipt already attached. No reconstruction at month's end — the story is written as it happens.

  • Receipts captured by SMS, email, or a photo — matched in seconds.
  • Anomaly flags surface before the charge clears, not after.
  • One source of truth your accountant actually trusts.
0hrs
Saved per finance team, every month at close.
$0M
Out-of-policy spend caught before it cleared, last quarter.
0sec
Median time to issue a fresh virtual card.
0
Spreadsheets required to know where the money went.
Pricing

The software is free.
You pay for what scales.

No per-seat tax on visibility. Cards, approvals, and the ledger are free forever — we earn when your spend does.

Starter

The Ledger

Everything a growing team needs to see and control its spend.

$0/mo, forever
  • Unlimited virtual & physical cards
  • Approvals & spend policies
  • Real-time ledger & receipts
  • 1.5% cashback on all spend
Start free
Most chosen

The Close

For finance teams who want the month to close itself.

$8/active user/mo
  • Everything in The Ledger
  • Auto-reconciliation & GL sync
  • Bill pay & reimbursements
  • 2% cashback & net-30 terms
Get a demo
Scale

The Treasury

Multi-entity controls and custom terms for the enterprise.

Let's talk 
  • Everything in The Close
  • Multi-entity & multi-currency
  • SSO, SCIM & audit log API
  • Dedicated treasury advisor
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Why teams switch
"We replaced three tools, two spreadsheets, and one very tired controller with a single screen. The first month-end we closed in an afternoon, I genuinely thought something had broken."
RM
Renata MbekiVP Finance, Cartograph Robotics

Put your money
in plain sight.

Open a Outlay workspace in minutes. No platform fee, no per-seat charge, no lock-in. Just the spend, finally legible.

Create free workspace Talk to finance team

Free forever for core spend management · SOC 2 Type II · No credit pull to start