Pleo alternative

A Pleo alternative for businesses of one.

Pleo is built for a specific problem: giving employees company cards and keeping their spending under control, receipts, reimbursements, budgets, the works. If you don't have employees spending your money yet, that problem doesn't really exist for you. Worklyn is built for the other half of running a business, winning the work, billing for it, tracking the hours, and keeping the books, on top of the bank account you already have.

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Built for the owner, not the org chart · Proposals, invoicing, time & projects native · Free plan included

Who each one is for

Two good tools, different shapes.

Pleo solves company spend once you have people spending the company's money. Worklyn solves the work that earns that money in the first place. A lot of small studios end up needing Worklyn well before they need Pleo, if they ever do.

Worklyn is for the owner running the business day to day

Proposals, contracts with e-sign, time tracking, projects on a Kanban board and invoicing, plus a receipt inbox that files itself and reports on where the money's going. Connect your existing bank, in the US and Canada through Plaid or the EU and UK through EnableBanking, and Worklyn is the workspace for everything around it.

Pleo is for teams with employees who need to spend

Pleo issues physical and virtual company cards, captures receipts automatically, and handles reimbursements and budgets, priced per active cardholder. It's a strong pick once you have a handful of people spending on the company's behalf and someone needs to keep that under control. Solo owner-operators rarely hit that problem.

Side by side

Worklyn and Pleo, side by side

Pleo is about controlling what your team spends. Worklyn is about running the client work that brings the money in. Most solos need one of these, not both.

	WorklynFor the owner, not the team	PleoEmployee spend & cards
What it actually is	A work + money workspace for the owner	Company cards + employee spend management
Company cards for employees	Not offered	Yes, physical & virtual cards per cardholder
Reimbursements, mileage & budgets	Not the focus	Yes, on Essential plans and up
Connected bank feeds	US & CA (Plaid), EU & UK (EnableBanking)	Limited; mainly card transactions sync automatically
Invoicing clients & payments	Yes, card & bank transfer	Not offered
Proposals & contracts (e-sign)	Yes, contracts + e-sign	Not offered
Time tracking & projects	Yes, global timer + Kanban boards	Not offered
Receipts inbox (OCR + match suggestions)	Yes, OCR + suggested bank match	Yes, receipt capture tied to card spend
AI assistant	AI CFO + assistant that acts across the workspace	Not the focus
AI CFO / cash-flow intelligence	Finds unbilled money, forecasts cash, chases overdue invoices	Not offered
Pricing model	Free, Pro €19.99, Business €39.99 (flat per workspace)	Per active cardholder; roughly £9.50 to £199+/mo by tier

Comparison reflects each product's public positioning as of mid-2026 — check their site for current details. These are good products serving a different shape of customer; this is about fit, not quality.

Why Worklyn

Where Worklyn fits in

Pleo is good at controlling employee spend. Worklyn is good at the half of the business Pleo doesn't touch, winning and running the work.

The business side Pleo doesn't cover

Proposals, contracts with e-sign, invoicing and time tracking sit alongside projects on a Kanban board, so the work that pays for everything is managed in the same place as the money.

Priced for one person, not per cardholder

Pleo bills per active cardholder, which makes sense once you have a team. Worklyn is flat per workspace, so a solo owner isn't paying a per-seat fee designed for someone else's headcount.

An AI that does the busywork

Draft invoices and contracts, log time from plain English, read receipts and categorize transactions. An accepted proposal turns into a contract and an invoice in one click.

Still connects to your bank

US and Canadian accounts connect through Plaid, EU and UK accounts through EnableBanking, so your real transactions land in Worklyn's ledger next to the invoices and time that produced them.

An AI CFO, included in every paid plan, finds unbilled hours, chases overdue invoices and forecasts your cash. Everything here is live and shipping today.

FAQ

Questions about Worklyn and Pleo

Is Worklyn a replacement for Pleo?

Only if you don't actually need what Pleo does. Pleo issues company cards to employees and controls their spending, Worklyn doesn't issue cards or manage anyone else's spend. If you have a team putting purchases on the company card, Pleo (or something like it) still does that job. If it's just you, you may not need Pleo at all.

Does Worklyn track expenses like Pleo does?

Worklyn has a receipt inbox that reads a forwarded or uploaded receipt with OCR and suggests the bank transaction that paid for it, one click to confirm. That covers your own spending well. It doesn't issue cards or manage reimbursements across a team the way Pleo does.

I'm a solo freelancer, do I even need Pleo?

Probably not yet. Pleo's whole design is around giving other people company cards and watching how they spend. As a business of one, that problem doesn't really apply, your bank account and Worklyn's receipt inbox likely cover it.

Can I use Worklyn and Pleo together?

Yes, and some small studios do exactly that. Pleo handles employee cards and spend control, Worklyn handles proposals, contracts, invoicing, time, projects and the receipt inbox for the rest of the business. They solve different problems.

How does the pricing compare?

Worklyn is flat per workspace: Free, Pro at €19.99/mo, Business at €39.99/mo. Pleo prices per active cardholder, from roughly £9.50/mo up past £199/mo depending on tier and team size. Check Pleo's site for current rates.

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