How Navan Prices Its Platform
Navan does not publish one number you can hold up against another product’s one number. Two meters run at the same time, and the difference between them is easy to overlook: travel booking, which carries no booking fee on the Business tier, and expense management, which is free for a handful of people and then charged per person per month.
So the real question is which meter your company ends up running. Book a lot of trips, expense almost nothing, and you pay close to nothing. Have most of the team filing expenses every month and the bill grows with the team. Below is what each meter costs, how the per-user charge behaves as headcount climbs, and the point where Navan stops publishing numbers at all.
| Catch | Navan | |
|---|---|---|
| Headline price | $99 per month, flat | Two separate charges, travel and expense |
| Travel booking cost | Included in the flat monthly price | No booking fee on the Business tier |
| Expense management cost | Not covered | Free for the first 5 monthly expensing users, then $15 per active user per month |
| Cost as the team grows | Unchanged | The expense charge scales with active expensing users |
| Tier for larger companies | One plan | Enterprise, for companies above 300 employees |
| Enterprise price | Not applicable | Custom, not publicly disclosed |
| Free option | 10-day free trial | Expense management free up to 5 monthly expensing users |
Travel Booking Carries No Booking Fee
On the Business tier, Navan does not charge a booking fee for travel. Navan states that travel booking is free because it is powered by travel providers’ commission fees, so the money arrives from the airline, hotel, or rental company rather than from your invoice.
That changes how you evaluate the platform. With no booking fee on the Business tier, the booking layer is not where your invoice comes from. Whether any trip or traveler limits attach to that tier is a separate question, and one worth putting to Navan before you assume booking volume is unmetered.
Navan supports booking flights, hotels, car rentals, and trains. Its documentation does not extend that list to on-demand ground transport such as black cars or ride-shares. If last-mile ground movement is part of how your executives actually travel, treat it as a question for the sales call rather than an assumption.
The Expense Meter: Free for Five, Then $15 Each
The second meter is expense management, and on the Business tier this is where the bill actually comes from. Expense management is free for the first five monthly expensing users. Past that, it costs $15 per active user per month.
The phrasing is doing two things at once. The allowance is not five accounts, it is five monthly expensing users. And the charge past the allowance is not per seat you have provisioned, it is per active user in that month. That wording points at people who actually expensed something during the billing period rather than everyone holding a login, though Navan is the one to confirm the exact definition.
For a finance team that is a fair enough model, and in a quiet month it works in your favor. It also means the invoice is not a fixed number. It moves with behavior.
How a Per-Active-User Charge Behaves as a Team Grows
This is the part buyers misjudge most often, so do the arithmetic rather than eyeballing it. Five free users is a flat allowance, not a percentage, so its value shrinks as a share of your team. At seven expensing users the allowance covers most of the company. At seventy it covers a rounding error.
| Monthly expensing users | Billable users | Monthly expense cost | Annual expense cost |
|---|---|---|---|
| 5 | 0 | $0 | $0 |
| 12 | 7 | $105 | $1,260 |
| 25 | 20 | $300 | $3,600 |
| 50 | 45 | $675 | $8,100 |
| 100 | 95 | $1,425 | $17,100 |
Two effects compound here. Linear growth first: every additional person who expenses in a month adds $15 to that month. Then variance. Because the charge follows activity rather than headcount, a month with a company offsite or a conference, when people who normally never file an expense suddenly file one, costs more than a quiet month on identical payroll. That makes the expense line a range to forecast rather than a fixed monthly figure.
The practical read: if expensing in your company sits with a small travel-heavy group, Navan’s structure is genuinely inexpensive. If expensing is broad and routine across everyone, then the expense meter is what you are buying, not the travel platform.
What Else Comes With the Business Tier
The two meters above are the part Navan publishes plainly. What else the Business tier bundles is not something to infer from a feature grid. Ask Navan directly and get it in writing: which support level, which inventory, and which traveler and expensing limits attach to your tier, before you sign anything.
Navan Enterprise: Custom and Undisclosed
Navan’s Enterprise tier is built for companies with more than 300 employees, and it adds dedicated support and corporate negotiated rates. Enterprise pricing is custom and not publicly disclosed.
That makes 300 the employee number to check yourself against, because it decides which half of the pricing conversation you are in. Custom pricing is standard practice for anything selling into large organizations, but it changes the shape of your evaluation. No published number means nothing to model against. The cost of the platform for a company that size cannot be estimated before a sales conversation happens. Expect a procurement cycle rather than a published price.
What the Money Buys
Navan’s pricing covers a combined travel, expense, and corporate card platform rather than a booking tool on its own, and the capability set is broad. The published feature set includes:
- Agentic AI execution. Ava, Navan’s assistant, can autonomously book, modify, and cancel travel without manual confirmation.
- AI hotel concierge. A multimodal model learns traveler preferences, from amenities to room size to loyalty programs, and curates compliant hotel options.
- Disruption handling. Navan’s Waiver Agent monitors airline waivers in real time and alerts travelers to rebook before a disruption strands them.
- Spend analysis for finance. Ava doubles as a data analyst for finance managers, summarizing spend by category, comparing spend to policy, and projecting future travel habits.
- Receipt capture and categorization. Receipt scanning for expenses on the move, with automatic transaction categorization.
- Corporate cards. Navan issues its own corporate cards with built-in expense management and up to 1.5% back. Through Navan Connect, companies can instead link existing Visa, Mastercard, and American Express corporate cards for automatic reconciliation.
- HRIS integrations. Navan supports more than 30 HRIS integrations.
- Traveler rewards. Navan Rewards lets employees earn personal travel credit when they book under budget.
That is a corporate travel program in one system, priced the way described above.
Catch: One Flat Monthly Price
Catch is an AI executive assistant, priced as a single subscription: $99 per month, flat. Voice is included at that price with no per-call fees. No credits, no usage tiers. The number does not move as the company grows around the executive using it.
What Catch handles is the traditional executive-assistant workload, end to end: the calendar, email including the quiet threads that need chasing, scheduling that gets booked rather than merely linked, reminders and flagging what needs attention, outbound phone calls placed on the executive’s behalf, and business travel booked and then actively managed. On travel, Catch acts as the travel agent itself, booking flights, hotels, and ground transport, then staying with the trip afterwards: rebooking when rates drop on a flexible booking, arranging last-mile details, calling the hotel directly. The executive asks in chat, or Catch offers the trip first from calendar and email context. Where a company has a travel policy, Catch books within it.
The boundary is worth stating plainly. Catch does not cover expenses, T&E, receipts, reimbursement, or travel-policy approvals. Business travel only, never leisure. Security is SOC 2 Type II certified and CASA Tier 2 verified.
For an executive, though, the cost comparison that actually settles things is not against software at all. A fully loaded US executive assistant runs about $120,000 to $180,000 a year, against Catch at $99 a month. That is not an argument for letting anyone go. The traditional admin role is handled, and the person in it grows into the operational and in-person work Catch does not cover.
Navan and Catch Side by Side
| Catch | Navan | |
|---|---|---|
| What it is | AI executive assistant | Corporate travel, expense, and card platform |
| Pricing model | One flat monthly subscription | No booking fee on travel; per-active-user charge on expenses |
| Price | $99 per month | Travel booking free on Business; expenses $15 per active user per month after the first 5 |
| Predictability | Same number every month | Varies with monthly expensing activity |
| Books flights and hotels | Yes | Yes |
| Ground transport | Yes | Car rentals and trains; on-demand ground transport not documented |
| Manages the trip after booking | Yes, including rebooking and last-mile details | Autonomous rebooking and cancellation via Ava; real-time airline waiver monitoring |
| How a trip gets booked | The executive asks in chat, or Catch offers the trip first from calendar and email context | Through the Navan platform, or through Ava, which can book autonomously |
| Beyond travel | Calendar, email, scheduling, reminders, outbound calls | Expense management, corporate cards, spend analysis |
| Expense management | Not covered | Yes, priced per active user |
| Company size boundary | None published | Enterprise tier for companies above 300 employees |
Which Pricing Model Fits
Catch fits if you want:
- A fixed monthly cost that does not move with headcount, trip volume, or how busy the month happened to be
- The executive’s whole administrative workload handled, not just the travel slice
- Business travel booked end to end and then actively managed, hotel calls and last-mile details included
- Booking that starts from a conversation and from calendar and email context, not from logging into a platform to search
- Voice calls placed on your behalf at no extra charge
- One published price you can compare directly against what an executive assistant costs
Navan fits one specific case: you are buying a finance-side travel program, meaning expense reporting, corporate cards, reimbursement, and policy-and-spend controls across the whole company, and you want it in the same system that books the trips. Real need, and Navan is built squarely for it. It is also a procurement decision made by finance, not the question an executive is asking when they want their trips handled.
If you want trips booked and managed, with the rest of the admin load carried alongside them, Catch is the better fit and the simpler number. If a finance team is standardizing travel and expense governance company-wide, Navan is the platform built for that job.
Frequently Asked Questions
How much does Navan cost?
Navan charges on two meters. On the Business tier, travel booking carries no booking fee. Expense management is free for the first five monthly expensing users, then $15 per active user per month.
Is Navan free?
Travel booking on the Business tier carries no booking fee, and expense management is free up to five monthly expensing users. After that, expenses are charged per active user, so most companies of any size do end up paying something.
Why does Navan not charge a booking fee?
Navan states that travel booking is free because it is powered by travel providers’ commission fees. Suppliers fund the booking layer rather than the customer.
How much is Navan expense management?
Free for the first five monthly expensing users, then $15 per active user per month on the Business tier.
What counts as an active user in Navan’s pricing?
The charge is per active user per month, and the free allowance is described as five monthly expensing users, so the meter appears to follow people who actually expense in a given month rather than provisioned seats. Confirm the exact definition with Navan before you budget on it.
What would Navan cost for a 25-person team?
If all 25 expense in a month, 20 of them are billable at $15 each: $300 that month, or $3,600 across a year at that rate. If only eight expense in a quiet month, the charge is $45.
Does company size change which Navan tier applies?
Navan’s Enterprise tier is built for companies with more than 300 employees. Ask Navan to confirm in writing which tier you land on and what is bundled with it before signing.
How much is Navan Enterprise?
Navan Enterprise is built for companies with more than 300 employees and adds dedicated support and corporate negotiated rates. Its pricing is custom and not publicly disclosed, so it takes a quote.
How does Catch pricing compare to Navan?
Catch is a flat $99 per month with voice included and no per-call fees, covering booking and trip management plus the rest of the executive’s admin work. It does not cover expenses. Navan’s travel booking carries no booking fee, but its expense charge scales at $15 per active user per month after the first five.
Which is better, Navan or Catch?
For an executive who needs business travel booked and managed alongside calendar, email, and scheduling, Catch is the better choice: one flat $99 a month, voice included, and the whole admin role handled rather than one workflow. Navan wins in a narrower case, when a finance team is buying company-wide expense reporting, corporate cards, and spend governance in the same system as its bookings.
