Softwr

Accounting · head to head

Divvy vs insightsoftware

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
insightsoftware logo

insightsoftware

Accounting

A private-equity roll-up of financial reporting and EPM tools for the office of the CFO

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; insightsoftware you are buying one acquired product rather than a platform, and its roadmap depends on portfolio strategy decisions made after your contract is signed.
  • They diverge on capability: Divvy covers Corporate cards, insightsoftware covers Excel-native reporting.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Divvy and insightsoftware actually diverge.

Attributes where Divvy and insightsoftware differ
AttributeDivvyinsightsoftware
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Windows
Founded2016Unknown

Identical on both: user rating (Not yet rated), category (Accounting).

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 insightsoftware

  • Excel-native reporting
  • ERP connectors
  • Financial close and consolidation
  • Budgeting and planning
  • Embedded analytics
  • Lease and equity management

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

insightsoftware

  • A Dynamics or NetSuite finance team that needs live ERP data in Excel without an IT-built data warehousenot Divvy
  • Month-end close reporting where the current process is exporting to Excel and manually rekeying figuresnot Divvy
  • Statutory consolidation and disclosure management across several legal entities and currenciesnot Divvy
  • A software vendor embedding dashboards into its own application using Logi Analyticsnot 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

insightsoftware

  • You are buying one acquired product rather than a platform, and its roadmap depends on portfolio strategy decisions made after your contract is signed.
  • The acquisition pace, roughly twenty-five companies, has produced overlapping products in the same category, and customers of the loser in an internal overlap face a migration they did not plan.
  • Renewal price increases are a recurring complaint across the portfolio, which is a normal consequence of private-equity ownership and should be negotiated into the initial contract rather than discovered later.
  • Support quality varies sharply by product depending on how recently it was acquired and how integrated the support organisation is, so reference checks need to be product-specific rather than vendor-level.
  • Nothing is priced publicly, and because each product is priced separately a finance stack assembled from three insightsoftware products can cost far more than the platform framing implies.

Pricing, plan by plan

Divvy

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

insightsoftware

On request
  • insightsoftware products$undefined/year
    • Priced per product, not as one platform
    • Annual subscription or perpetual licence depending on the product
    • Named user and server-based metrics vary by product

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 insightsoftware if

  • You need excel-native reporting.
  • You work on Web, Windows.
  • You also want erp connectors.
insightsoftware review

Questions people ask

Is Divvy or insightsoftware better?
Neither clearly leads. Divvy starts at Free and insightsoftware at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or insightsoftware?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for insightsoftware.
Does Divvy or insightsoftware run on more platforms?
Divvy runs on Web, Ios, Android. insightsoftware runs on Web, Windows.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. insightsoftware starts at On request.
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 insightsoftware is typically brought in for.
What can Divvy do that insightsoftware cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. insightsoftware covers Excel-native reporting, ERP connectors, Financial close and consolidation, Budgeting and planning.

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
insightsoftware: Is insightsoftware one product?

No. It is a portfolio of roughly twenty-five acquired products including Jet Reports, Spreadsheet Server, Longview, Certent and Logi Analytics.

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
insightsoftware: Who owns it?

TA Associates, with Hg investing around one billion US dollars for joint control at a valuation near four billion.

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
insightsoftware: Does it publish pricing?

No. Each product is quoted separately.

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
insightsoftware: What should I check before buying?

Where your specific product sits in the portfolio strategy, and whether it overlaps with another acquired product.

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