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Spreadsheets · head to head

Cube Software vs Divvy

Cube Software logo

Cube Software

Spreadsheets

FP&A layer that connects Excel and Google Sheets to source systems without asking finance to leave the spreadsheet

From
On request
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Cube Software the pricing page is titled transparent and upfront pricing but shows no figures at all, only three tiers with quote buttons, so the marketing claim and the buying experience directly contradict each other.; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Cube Software covers Excel and Google Sheets add-ins, Divvy covers Corporate cards.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Cube Software and Divvy actually diverge.

Attributes where Cube Software and Divvy differ
AttributeCube SoftwareDivvy
Starting priceOn requestFree
Pricing modelquotefree
Free tierNoYes
PlatformsWeb, Excel add-in, Google Sheets add-onWeb, Ios, Android
CategorySpreadsheetsAccounting
FoundedUnknown2016

Identical on both: 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 Cube Software

  • Excel and Google Sheets add-ins
  • Source system connectors
  • Central dimensional model
  • Drill-down to source
  • Scenario planning
  • Dashboards
  • Workflow automation
  • Slack and Teams integration

Only in Divvy

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

What people use each for

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

Cube Software

  • A finance team on Google Workspace that cannot use the Excel-add-in-only planning tools most of the market sellsnot Divvy
  • A startup finance function of two or three people replacing a shared workbook without a six-month implementationnot Divvy
  • Consolidating actuals from an accounting system and a CRM into one forecast without building a warehousenot Divvy
  • Collecting departmental budget inputs on a schedule with an audit trail rather than by email attachmentnot Divvy

Divvy

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

Where each one falls short

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

Cube Software

  • The pricing page is titled transparent and upfront pricing but shows no figures at all, only three tiers with quote buttons, so the marketing claim and the buying experience directly contradict each other.
  • Add-ons for premium support, additional modules and API access are priced separately, which means the tier you are quoted is a floor rather than the total.
  • The spreadsheet remains the modelling surface, so organisations that grow into large multidimensional planning problems will eventually migrate again to a purpose-built tool.
  • It is a layer over source systems rather than a system of record, so data quality problems in the ERP or CRM surface in the forecast and Cube gives you no way to fix them at source.
  • The vendor targets small finance teams, so buyers needing deep statutory consolidation, multi-entity currency translation or heavy allocation logic will find the functional depth thinner than the established enterprise platforms.

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

Cube Software

On request
  • Bronze$undefined/year
    • Full platform access
    • Unlimited dimensions and users
    • Unlimited dashboards
  • Silver$undefined/year
    • Everything in Bronze
    • Slack and Teams integration
    • Workflow automation
  • Gold$undefined/year
    • Everything in Silver
    • Premium support
    • All integrations and workflows

Divvy

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

Which should you pick?

Choose Cube Software if

  • You need excel and google sheets add-ins.
  • You work on Web, Excel add-in, Google Sheets add-on.
  • You also want source system connectors.
Cube Software 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 Cube Software or Divvy better?
Neither clearly leads. Cube Software starts at On request and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Cube Software or Divvy?
Divvy has a free tier; the other does not. Paid plans start at On request for Cube Software and Free for Divvy.
Does Cube Software or Divvy run on more platforms?
Cube Software runs on Web, Excel add-in, Google Sheets add-on. Divvy runs on Web, Ios, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Cube Software starts at On request.
What is Cube Software best used for?
Cube Software is most often used for a finance team on google workspace that cannot use the excel-add-in-only planning tools most of the market sells, a startup finance function of two or three people replacing a shared workbook without a six-month implementation, consolidating actuals from an accounting system and a crm into one forecast without building a warehouse, collecting departmental budget inputs on a schedule with an audit trail rather than by email attachment. Of those, a finance team on google workspace that cannot use the excel-add-in-only planning tools most of the market sells and a startup finance function of two or three people replacing a shared workbook without a six-month implementation are not what Divvy is typically brought in for.
What can Cube Software do that Divvy cannot?
Cube Software covers Excel and Google Sheets add-ins, Source system connectors, Central dimensional model, Drill-down to source. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Cube Software: Does Cube work with Google Sheets?

Yes, and that is its main differentiator. Google Sheets is a first-class interface, not a secondary export.

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
Cube Software: Is pricing published?

No, despite the page being titled transparent pricing. All three tiers require a quote.

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
Cube Software: Is it a replacement for our accounting system?

No. It reads actuals from your accounting or ERP system and adds planning, reporting and workflow on top.

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
Cube Software: What are the tiers called?

Bronze, Silver and Gold, with add-ons for premium support, extra modules and API access.

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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