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Side-by-side comparison · Legal, Finance & HR

Ramp vs Rippling vs Teal

Everything that matters when choosing between them, in one place: our rating, what each can do, what they cost, and the trade-offs.

Best overall

Ramp

4.5

From $0

DetailsVisit

Rippling

3.9

Free to start

DetailsVisit

Teal

4.0

From $0

DetailsVisit

Comparing 3 tools, the maximum.

At a glance

Ramp4.5
Best overallBest value

Pick it if: US startups and growing businesses with a team that spends on company cards and wants the receipts and bookkeeping handled.

Rippling3.9

Pick it if: Growing companies, usually 20 to a few thousand staff, that want HR, payroll, IT and spend in one system.

Teal4.0

Pick it if: Job seekers applying for lots of roles who want a tailored resume for each one and a tidy way to track applications.

Overview

AttributeRampRipplingTeal
In one lineCompany cards and expenses where AI collects receipts, codes spend and checks your rules.HR, payroll, IT and company cards in one system, with AI that answers and acts on it.AI resume builder and job tracker that tailors your resume to each job you apply for.
Pricing modelFreemiumPaidFreemium
Starting price$0See website$0
Free plan Yes No Yes
Works with Claude Code Yes Yes No

Rating breakdown

Our scores out of 5. The higher bar in each row is highlighted.

AttributeRampRipplingTeal
Overall rating4.5Winner3.94.0
Ease of useHow quickly someone non-technical gets value from it.
4.5
3.5
4.5
FeaturesHow completely it covers its own job, and how well the pieces fit together.
4.5
5.0
4.0
Output qualityHow good the results are before you fix them.
4.5
4.0
3.5
Value for moneyWhat you get for the price, including the free plan.
4.5
3.0
4.0
Speed & reliabilityHow fast it is and how often it falls over.
4.5
4.0
4.0

Feature comparison

A tick means it does this today. A dash means we haven't checked.

AttributeRampRipplingTeal
Access & platform
Free plan Yes No Yes
Mobile app Yes Yes No
Desktop app No No No
Browser extension No No Yes
API access Yes Yes No
Teams & business
Team workspace Yes Yes No
Enterprise plan or SSO Yes Yes No
Connects to other apps Yes Yes No
Open source or self-hosted No No No
AI abilities
Works with your files Yes Yes Yes
Understands images Yes––
Makes images No No No
Makes video No No No
Writes code No No No
Runs agents or automations Yes Yes No
Learns your brand or style–– No
Works in many languages No Yes No
Capabilities score9/ 178/ 173/ 17

Pricing

Plans as listed on each vendor's site when we last checked. Confirm before you buy.

AttributeRampRipplingTeal
Plans

FreeOur pick

$0

Small US teams that want cards and expenses sorted.

Rippling PlatformOur pick

Custom (reported from about $8/employee/mo plus a base fee)

Companies that want to pick the products they need.

Free

$0

Building a resume and tracking jobs.

Plus

$15/user/mo plus a platform fee, 20% off yearly

Teams with approval chains and stricter policies.

Teal+Our pick

$13/week, $29 per 30 days or $79 per 90 days

An active job search with many applications.

Enterprise

Custom

Large or global companies.

Which plan to pickStart on Free. It already covers cards, receipts, bill pay and accounting sync for most small teams. Take the 30-day Plus trial when you need approval chains, policy checks or NetSuite, and get the platform fee for your team size in writing first.Start with the core platform plus payroll, then add IT or spend once you feel the pain. Get quotes from Rippling and a competitor, and ask for the per-employee price of each module in writing.Start free to build your resume and track jobs. When you're applying to several roles a week, take Teal+ for 30 days, or the 90-day option if you expect a longer search, and cancel once you land the job.

Key features

AttributeRampRipplingTeal
Standout features
  • Company cards
  • Automatic receipts
  • AI expense coding
  • Bill pay
  • Travel booking
  • Policy checks
  • One employee record
  • Payroll and benefits
  • IT and device management
  • Spend management
  • Rippling AI
  • Global hiring
  • AI resume builder
  • Job description matching
  • AI writing
  • Job tracker
  • Email templates

Pros and cons

AttributeRampRipplingTeal
Pros
  • Generous free plan with unlimited cards and receipt matching
  • Saves hours of receipt chasing and expense coding
  • Cards, bills, travel and reimbursements in one app
  • No personal guarantee needed for the card
  • Fast, well-reviewed apps for staff and finance teams
  • One record for HR, payroll, IT and spend
  • Huge range of products you can add as you grow
  • AI reports that combine HR and finance data
  • Automates onboarding and offboarding across many apps
  • Highly rated on review sites
  • Free plan is useful for building resumes and tracking jobs
  • Clear keyword matching against each job ad
  • Job tracker keeps a big search organised
  • Short billing periods suit a short job search
Cons
  • US-registered companies, LLCs and partnerships only
  • The card must be paid in full, and approval depends on your cash balance
  • The Plus platform fee isn't published
  • More than a sole trader or one-person business needs
  • No public pricing and yearly contracts
  • Costs climb as you add modules
  • Takes time to set up and learn
  • More than a very small business needs
  • Very few AI credits on the free plan
  • Weekly and monthly billing costs more for long searches
  • AI writing is generic until you add your own detail

Who each one is for

AttributeRampRipplingTeal
Best for
  • Giving staff company cards with spending limits
  • Never chasing receipts again
  • Paying and approving supplier bills
  • Syncing expenses to QuickBooks or Xero automatically
  • Onboarding and offboarding staff in one step
  • Running payroll and benefits as you grow
  • Managing laptops and app access for a team
  • Workforce reports that combine HR and finance data
  • Tailoring your resume to each job ad
  • Finding the keywords a job ad is looking for
  • Tracking dozens of applications in one place
  • Writing cover letters and resume bullet points
You'll find it used by
  • Startups
  • Finance teams
  • Growing businesses
  • Agencies
  • Operations managers
  • HR teams
  • Finance teams
  • IT managers
  • Startups
  • Growing businesses
  • Job seekers
  • Career changers
  • Graduates
  • Career coaches

Questions people ask

Which is better, Ramp, Rippling or Teal?

Ramp scores highest overall in our ratings (Ramp 4.5/5, Rippling 3.9/5 and Teal 4.0/5). Ramp is best for giving staff company cards with spending limits and never chasing receipts again. Rippling is best for onboarding and offboarding staff in one step and running payroll and benefits as you grow. Teal is best for tailoring your resume to each job ad and finding the keywords a job ad is looking for.

Which is cheaper, Ramp, Rippling or Teal?

Ramp: There's a free plan, and paid plans start at $0. Rippling: Pricing isn't published; check the vendor's site for a quote. Teal: There's a free plan, and paid plans start at $0.

How we compare

Ratings are our own, from using each tool, across ease of use, features, output quality, value for money, speed & reliability.

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