Softwr

Accounting · head to head

Divvy vs Firefly III

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Firefly III logo

Firefly III

Personal Finance

Free, open source, self-hosted personal finance manager with double-entry style accounting

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; Firefly III there is no official managed hosting, so a non-technical user has no easy on-ramp the way Actual Budget offers with its paid hosted sync.
  • They diverge on capability: Divvy covers Corporate cards, Firefly III covers Double-entry style ledger.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and Firefly III actually diverge.

Attributes where Divvy and Firefly III differ
AttributeDivvyFirefly III
Pricing modelfreeOpen source, no licence fee
PlatformsWeb, Ios, AndroidWeb, Linux, Docker
CategoryAccountingPersonal Finance
Founded2016Unknown

Identical on both: starting price (Free), free tier (Yes), 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 Firefly III

  • Double-entry style ledger
  • Multi-currency accounts
  • Bill and subscription tracking
  • Rule engine
  • Reports and charts
  • API access

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 Firefly III
  • Automating expense reports and receipt capturenot Firefly III
  • Syncing card spend into accounting softwarenot Firefly III

Firefly III

  • A self-hoster already running a home server or NAS who wants their financial ledger on the same infrastructurenot Divvy
  • Someone who wants double-entry style accuracy rather than simple envelope budgetingnot Divvy
  • A privacy-focused user who refuses to put financial data on any third-party server, hosted or otherwisenot Divvy
  • A developer who wants API access to build custom bank import scripts for accounts with no standard connectornot 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

Firefly III

  • There is no official managed hosting, so a non-technical user has no easy on-ramp the way Actual Budget offers with its paid hosted sync.
  • The double-entry-influenced model is less intuitive for newcomers than simple envelope budgeting, and the learning curve is real.
  • Automatic bank sync depends on the community-run importer and third-party connectors, and coverage and reliability vary a lot by bank and country.
  • Mobile access is via a web interface rather than a polished native app, which is a step behind Actual Budget or Lunch Money on phones.
  • Because there is no company behind it, security patching and feature development depend entirely on volunteer maintainer time.

Pricing, plan by plan

Divvy

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

Firefly III

Free
  • Firefly IIIFree
    • Full functionality, self-hosted
    • No usage limits
    • Community support, donations accepted

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 Firefly III if

  • You need double-entry style ledger.
  • You want to start without paying.
  • You work on Web, Linux, Docker.
  • You also want multi-currency accounts.
Firefly III review

Questions people ask

Is Divvy or Firefly III better?
Neither clearly leads. Divvy starts at Free and Firefly III at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Firefly III?
Divvy starts at Free and Firefly III at Free.
Does Divvy or Firefly III run on more platforms?
Divvy runs on Web, Ios, Android. Firefly III runs on Web, Linux, Docker.
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 Firefly III is typically brought in for.
What can Divvy do that Firefly III cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Firefly III covers Double-entry style ledger, Multi-currency accounts, Bill and subscription tracking, Rule engine.

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
Firefly III: Can I pay someone to host Firefly III for me?

Not through the core project; some third-party providers sell Firefly III hosting independently, but there is no official managed service.

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
Firefly III: Does it support multiple currencies?

Yes, natively, including accounts and transactions in different currencies.

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
Firefly III: Is it really free with no paid tier?

Yes, the software is free and open source under the AGPL; the project accepts donations but sells nothing.

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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