Shelfpay vs Zoho Expense

Detailed side-by-side comparison of features, pricing, and origin.

Shelfpay

India's first shared payments app for flatmates with pooled wallets, automatic expense splitting, payment cards, rent automation, and cashback rewards with zero hidden fees

Shelfpay · Bengaluru, Karnataka · Free

Zoho Expense

Expense reporting and management software with automated receipt scanning, mileage tracking, multi-currency support, policy compliance, and seamless integration with accounting systems

Zoho Corporation · Chennai, Tamil Nadu · Freemium

Comparison Matrix

Ownership
Swadeshi vs Swadeshi
Pricing Mode
Free vs Freemium
Headquarters
Bengaluru, Karnataka vs Chennai, Tamil Nadu

Platform Availability

Shelfpay

Web

Zoho Expense

WebiOSAndroid

Feature Comparison

Shared Features

  • Financial management
  • Secure transactions

Unique to Shelfpay

  • Indian alternative to Splitwise

Unique to Zoho Expense

  • Indian alternative to Expensify

Both Replace These International Apps

Editorial Analysis

In the Finance space, Shelfpay (Bengaluru, Karnataka) and Zoho Expense (Chennai, Tamil Nadu) represent two strong Swadeshi alternatives. Both serve as Indian alternatives to Expensify.

Key Differences: Zoho Expense offers broader platform support with 3 platforms. Shelfpay stands out with free pricing.

Both Shelfpay and Zoho Expense support India's digital ecosystem. Either choice keeps your data and capital within the country.