Plans that give your finance team efficiency and control

No. Budgetly has no lock-in contracts. You can choose monthly or annual billing, and cancel at any time. Annual billing saves up to 17% compared to monthly.

Budgetly replaces the manual workflows that cost finance teams hours every week:

• Reimbursements — employees get their own card, so out-of-pocket claims disappear.
• Receipt chasing — receipts are captured at the point of purchase via the mobile app and matched automatically.
• Shared corporate cards — every team member gets an individual card with their own budget and spend limits.
• Manual reconciliation — transactions sync to Xero automatically with receipts, categories, and GST attached.

Per-user pricing creates expense leakage. When adding a user is expensive and complex, businesses avoid issuing cards to contractors, part-time workers, or even candidates travelling for an interview. Spending still happens — it just goes through reimbursements, petty cash, or shared cards with no visibility.

Budgetly charges per card because issuing a card should be instant and frictionless. You can issue a virtual card in seconds, set a one-time budget, and cancel it when the job is done. Unlimited users are included on every plan — you only pay for active cards.

Start a 14-day free trial — no credit card required. You can explore the platform, set up budgets, and add your team. When you're ready to activate cards and live transactions, choose a plan and our onboarding team will have you live within 1–3 days. Personalised training is included on every plan at no extra cost.

Most teams are live within 1 day. The application takes 2 minutes. Business accounts require regulatory compliance approvals, which typically take 1 day. You can start setting up budgets and users while this is processed. Enterprise customers with 50+ users receive priority onboarding with setup typically within 5–10 days.

Yes. Budgetly uses 256-bit encryption, multi-factor authentication (MFA), and suspicious IP throttling. Every transaction is recorded with a full audit trail — 3 years on Essentials, 5 years on Premium, and 7+ years on Enterprise. Your data is hosted in Australia.

Unlimited training and support is included on every plan — no extra cost, no session limits. Our Australian-based team provides email, phone, and face-to-face support. Premium and Enterprise customers receive a dedicated Account Manager and faster response times. 92% of customers rate their onboarding experience as satisfactory or above.

Our ROI calculator estimates savings based on the following assumptions:

• 10 expenses per cardholder per month — based on average transaction volumes across our customer base.
• 15 minutes processing cost per expense — 10 minutes for the employee (receipt capture, coding, submission) plus 5 minutes for finance team review and approval. The MYOB Business Monitor (November 2025) found that over 62% of Australian SMEs still rely on manual bookkeeping for at least one financial process, costing an average of 7.2 hours per week.
• 90% automation rate — Budgetly automates receipt matching, categorisation, Xero sync, and approval routing, eliminating the majority of manual steps. MYOB's research found businesses adopting cloud-based automation reported a 40–60% reduction in bookkeeping time within six months.
• AUD $55/hr blended labour cost — derived from the Australian Bureau of Statistics Average Weekly Earnings report (November 2025): $2,051 per week for full-time adults, equating to approximately $107,000 per year or $55/hr inclusive of on-costs.
• Plan cost — Essentials ($99/mo) for up to 10 cardholders, Premium ($279/mo) for 11+, plus $10/mo per additional card beyond the included allocation.

Results are estimates informed by 80+ customer case studies, 160+ verified Capterra reviews, Australian Bureau of Statistics earnings data, and the MYOB Business Monitor. Your actual savings may vary depending on team size, expense volume, and current processes.