Softwr

Accounting · head to head

Divvy vs EveryDollar

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
EveryDollar logo

EveryDollar

Personal Finance

Budget every dollar, build wealth faster

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; EveryDollar the free version has no bank connection, so every transaction is entered by hand
  • They diverge on capability: Divvy covers Corporate cards, EveryDollar covers Zero-based budgeting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and EveryDollar actually diverge.

Attributes where Divvy and EveryDollar differ
AttributeDivvyEveryDollar
Pricing modelfreefreemium
CategoryAccountingPersonal Finance
Founded20162014

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 Divvy

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

Only in EveryDollar

  • Zero-based budgeting
  • Transaction tracking
  • Budget planning
  • Financial insights
  • Bank accounts
  • IOS support

Both cover

  • Web support
  • Android support

What people use each for

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

Divvy

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

EveryDollar

  • Zero based monthly budgeting using the Ramsey methodnot Divvy
  • Tracking bills and sinking funds by categorynot Divvy
  • Automatically importing bank transactions into a budget on Premiumnot Divvy

Where each one falls short

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

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

EveryDollar

  • The free version has no bank connection, so every transaction is entered by hand
  • CSV export of budget data is Premium only
  • Spending reports and historical comparisons are Premium only
  • Premium costs $17.99 per month billed monthly, and the $6.67 headline rate requires paying $79.99 for a year up front
  • The free trial lasts 14 days and is limited to new users

Pricing, plan by plan

Divvy

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

EveryDollar

Free
  • EveryDollar FreeFree
    • monthly budget creation
    • unlimited custom categories
    • manual transaction tracking
  • EveryDollar Premium Annual$79.99/year
    • automatic bank connectivity
    • transaction imports
    • custom reports
  • EveryDollar Premium Monthly$17.99/month
    • automatic bank connectivity
    • transaction imports
    • custom reports

Which should you pick?

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

Choose EveryDollar if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want transaction tracking.
EveryDollar review

Questions people ask

Is Divvy or EveryDollar better?
Neither clearly leads. Divvy starts at Free and EveryDollar at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or EveryDollar?
Divvy starts at Free and EveryDollar at Free.
Does Divvy or EveryDollar run on more platforms?
Divvy runs on Web, Ios, Android. EveryDollar runs on Web, IOS, Android.
Can I use Divvy for free?
Both have a free tier, so you can try either at no cost before committing.
What is Divvy best used for?
Divvy is most often used for issuing corporate cards with pre-set budgets to employees, automating expense reports and receipt capture, syncing card spend into accounting software. Of those, issuing corporate cards with pre-set budgets to employees and automating expense reports and receipt capture are not what EveryDollar is typically brought in for.
What can Divvy do that EveryDollar cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. EveryDollar covers Zero-based budgeting, Transaction tracking, Budget planning, Financial insights. Both handle Web support, Android support.

Answered from the vendors’ own pages

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
EveryDollar: What is the cost of EveryDollar Premium?

EveryDollar Premium costs $79.99 per year when billed annually ($6.67/month) or $17.99 per month when billed monthly.

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
EveryDollar: Is there a free version of EveryDollar?

Yes. EveryDollar offers a free version with no time limit that includes monthly budget creation, unlimited custom categories, manual transaction tracking, and device access.

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
EveryDollar: Can you cancel EveryDollar Premium anytime?

Yes. Premium subscribers can cancel anytime through account settings and downgrade to the free version instead of deleting the account.

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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