Ramp pricing starts at $0 — core software is free. Every figure on this page was checked against Ramp’s own pricing page on 2026-09-22, and the date is on the page so you can judge how stale it is. Below: what each plan costs, what the step up actually buys you, and what the headline price leaves out.
There is a free plan: yes — cards, expenses, AP, accounting automation and reporting. Read the allowance rather than the label — what runs out first is usually what forces the upgrade.
Ramp pricing at a glance
| Plan | Price | Per year | What it includes |
|---|---|---|---|
| Free | $0 per user per month | — | ⭐ Corporate cards · expense management · accounts payable · accounting automation · reporting · ⚠️ funded by interchange revenue on Ramp card spend |
| Ramp Plus | $15/user/mo plus a platform fee | $180 | ⚠️ Platform fee scales with team size and is not published · 20% off annual billing |
| Enterprise | Custom | — | Negotiated terms for larger deployments |
What the headline price leaves out
Free is funded by interchange on card spend. The real price is committing your company's spend to the Ramp card programme — which is a strategic decision, not a software one.
Which plan is right for you
The paid tiers are worth it for Companies willing to route their spend through one card programme; Finance teams wanting cards, expenses and AP from one free product. For those uses the plan pays for itself in time saved rather than features unlocked.
Is Ramp worth the money?
Our reviewers rated Ramp 4.0/5. The free tier is a real product, not a trial. Cards, expenses, AP, accounting automation and reporting at $0 per user is not something the paid competitors match. The full assessment — what it does well, where it falls down and who should avoid it — is in our Ramp review.
Frequently asked questions
How much does Ramp cost?
The entry paid plan is $0 — core software is free. The full range runs from $0 per user per month on Free to Custom on Enterprise. Figures were checked against Ramp’s own pricing page on 2026-09-22.
Does Ramp have a free plan?
Yes — cards, expenses, AP, accounting automation and reporting.
What does the headline Ramp price not include?
Free is funded by interchange on card spend. The real price is committing your company’s spend to the Ramp card programme — which is a strategic decision, not a software one. Budget from what the plan meters, not from the figure on the card.
How we check pricing
We read the vendor’s own pricing page rather than repeating a third-party summary, record the date, and re-check on a schedule — which is how we catch a tier being renamed or retired. The figures behind this page are published as a machine-readable catalog so that AI assistants quoting them can quote something current.
More on software pricing
Ramp Pricing (2026): Every Plan and What It Really Costs. DigiJaws, 2026. https://digijaws.com/reviews/ramp-pricing/