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Personal Finance · head to head

Copilot Money vs Divvy

Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Copilot Money covers AI-powered insights, Divvy covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Copilot Money and Divvy actually diverge.

Attributes where Copilot Money and Divvy differ
AttributeCopilot MoneyDivvy
Pricing modelsubscriptionfree
CategoryPersonal FinanceAccounting
Founded20202016

Identical on both: starting price (Free), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Bank accounts
  • Credit cards
  • IOS support

Only in Divvy

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

Both cover

  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Copilot Money

  • Tracking spending across connected accountsnot Divvy
  • Budgeting by category with automatic transaction taggingnot Divvy
  • Investment and net worth trackingnot Divvy
  • Reviewing recurring subscriptionsnot Divvy

Divvy

  • Issuing corporate cards with pre-set budgets to employeesnot Copilot Money
  • Automating expense reports and receipt capturenot Copilot Money
  • Syncing card spend into accounting softwarenot Copilot Money

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

Divvy

  • Divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • No standalone pricing is published for the spend and expense product; the site routes to a trial signup and sales contact
  • Signup is gated behind selecting a business type and accounting software rather than being open self-serve

Pricing, plan by plan

Copilot Money

Free
  • Free TrialFree
    • No credit card required
    • Limited access to test the app
  • Paid Subscription$95/year
    • No ads
    • No hidden fees
    • Private data handling

Divvy

Free
  • FreeFree
    • Unlimited cards
    • Expense management
    • Budget controls

Which should you pick?

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Choose Divvy if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want budget management.
Divvy review

Questions people ask

Is Copilot Money or Divvy better?
Neither clearly leads. Copilot Money starts at Free and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Copilot Money or Divvy?
Copilot Money starts at Free and Divvy at Free.
Does Copilot Money or Divvy run on more platforms?
Copilot Money runs on Web, IOS, Android. Divvy runs on Web, Ios, Android.
Can I use Copilot Money for free?
Both have a free tier, so you can try either at no cost before committing.
What is Copilot Money best used for?
Copilot Money is most often used for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. Of those, tracking spending across connected accounts and budgeting by category with automatic transaction tagging are not what Divvy is typically brought in for.
What can Copilot Money do that Divvy cannot?
Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Both handle Web support, Android support.

Answered from the vendors’ own pages

Copilot Money: How much does Copilot Money cost?

Copilot Money costs $95 per year when billed annually, which equals $7.92 per month. A free trial is available with no credit card required. A monthly subscription option exists but the specific monthly price is not listed on the website.

Source
Divvy: What is the cheapest way to get started with spend and expense management?

BILL's Spend & Expense plan has a free tier with no per-user subscription fee, including corporate cards, budget management, and AI receipt capture. You only pay transaction fees for ACH ($0.59), checks ($1.99), or instant payments (1%).

Source
Copilot Money: Does Copilot Money have any hidden fees?

No, Copilot Money explicitly states there are no ads, no hidden fees, and your data stays private with the company focused on building the product.

Source
Divvy: What transaction costs apply when paying vendors?

ACH payments cost $0.59 per transaction, checks cost $1.99, virtual cards are free, and same-day ACH costs $11.99. International wire transfers cost $19.99. Card payments are 2.9%.

Source
Divvy: Does the free spend and expense tier include business credit lines?

The free Spend & Expense plan includes access to business credit lines ranging from $1,000 to $5 million, but credit lines are not guaranteed and eligibility is determined upon application approval.

Source
Divvy: What is the pricing for accounts payable if I need more than the free tier?

AP plans range from $49/user/month (Essentials) to $89/user/month (Corporate, most popular), with Enterprise at custom pricing. Higher tiers add accounting software integrations, procurement features, and approval controls.

Source
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