Softwr

Accounting · head to head

Divvy vs GnuCash

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
GnuCash logo

GnuCash

Personal Finance

Personal finance and accounting software

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; GnuCash desktop only, with no mobile application
  • They diverge on capability: Divvy covers Corporate cards, GnuCash covers Double-entry bookkeeping.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and GnuCash actually diverge.

Attributes where Divvy and GnuCash differ
AttributeDivvyGnuCash
Pricing modelfreeopen-source
PlatformsWeb, Ios, AndroidWindows, Mac, Linux
CategoryAccountingPersonal Finance
Founded20161997

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 GnuCash

  • Double-entry bookkeeping
  • Multi-currency support
  • Reports and graphs
  • Budget tracking
  • Import/Export
  • OFX format
  • Windows support
  • Mac 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 GnuCash
  • Automating expense reports and receipt capturenot GnuCash
  • Syncing card spend into accounting softwarenot GnuCash

GnuCash

  • Personal finance tracking with a checkbook register interfacenot Divvy
  • Double-entry bookkeeping for a small businessnot Divvy
  • Tracking stocks, bonds and mutual fund accountsnot Divvy
  • Importing transactions via QIF, OFX or HBCInot Divvy
  • Scheduled recurring transactions and financial reportsnot 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

GnuCash

  • Desktop only, with no mobile application
  • Version 3.11 is the last release supporting Windows 7 and macOS 10.12 and earlier
  • Uses strict double-entry accounting, so every transaction needs two sides

Pricing, plan by plan

Divvy

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

GnuCash

Free
  • Open SourceFree
    • Double-entry bookkeeping
    • Multi-currency support
    • Reports and graphs

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 GnuCash if

  • You need double-entry bookkeeping.
  • You want to start without paying.
  • You work on Windows, Mac, Linux.
  • You also want multi-currency support.
GnuCash review

Questions people ask

Is Divvy or GnuCash better?
Neither clearly leads. Divvy starts at Free and GnuCash at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or GnuCash?
Divvy starts at Free and GnuCash at Free.
Does Divvy or GnuCash run on more platforms?
Divvy runs on Web, Ios, Android. GnuCash runs on Windows, Mac, Linux.
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 GnuCash is typically brought in for.
What can Divvy do that GnuCash cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. GnuCash covers Double-entry bookkeeping, Multi-currency support, Reports and graphs, Budget tracking.

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
GnuCash: How much does GnuCash cost?

GnuCash is completely free. The software is licensed under the GNU GPL with no subscription fees, pricing tiers, or paid versions.

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
GnuCash: What platforms does GnuCash support?

GnuCash is available free across GNU/Linux, BSD, Solaris, macOS, and Microsoft Windows platforms.

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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