Softwr

Accounting · head to head

Divvy vs Goodbudget

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Goodbudget logo

Goodbudget

Personal Finance

Digital envelope budgeting app

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; Goodbudget free plan is capped at 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history
  • They diverge on capability: Divvy covers Corporate cards, Goodbudget covers Envelope budgeting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Goodbudget actually diverge.

Attributes where Divvy and Goodbudget differ
AttributeDivvyGoodbudget
Pricing modelfreefreemium
CategoryAccountingPersonal Finance
Founded20162012

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
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2

Only in Goodbudget

  • Envelope budgeting
  • Shared budgets
  • Receipt scanning
  • Bank accounts
  • IOS support

Both cover

  • Expense tracking
  • 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 Goodbudget
  • Automating expense reports and receipt capturenot Goodbudget
  • Syncing card spend into accounting softwarenot Goodbudget

Goodbudget

  • Envelope method budgetingnot Divvy
  • Sharing a household budget across a couple's devicesnot Divvy
  • Tracking debt payoff alongside envelopesnot 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

Goodbudget

  • Free plan is capped at 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history
  • Automatic bank sync is Premium only and works with US banks only
  • Premium is limited to 5 devices and 7 years of history
  • Free plan gets community support only; email support requires Premium
  • Premium costs $10 per month or $80 per year

Pricing, plan by plan

Divvy

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

Goodbudget

Free
  • FreeFree
    • 10 envelopes
    • Basic tracking
  • Plus$5.99/month
    • Unlimited envelopes
    • Advanced reports
    • Receipt capture

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 Goodbudget if

  • You need envelope budgeting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want shared budgets.
Goodbudget review

Questions people ask

Is Divvy or Goodbudget better?
Neither clearly leads. Divvy starts at Free and Goodbudget at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Goodbudget?
Divvy starts at Free and Goodbudget at Free.
Does Divvy or Goodbudget run on more platforms?
Divvy runs on Web, Ios, Android. Goodbudget 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 Goodbudget is typically brought in for.
What can Divvy do that Goodbudget cannot?
Divvy covers Corporate cards, Budget management, Real-time visibility, Accounting sync. Goodbudget covers Envelope budgeting, Shared budgets, Receipt scanning, Bank accounts. Both handle Expense tracking, 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
Goodbudget: How much does Goodbudget cost?

Goodbudget pricing details are not available on the main website. The platform offers a free version and a Premium tier, but specific costs and features are not published.

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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