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Accounting · head to head

Divvy vs Investopedia Stock Simulator

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Investopedia Stock Simulator logo

Investopedia Stock Simulator

Personal Finance

Paper trading without risk

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; Investopedia Stock Simulator market data is delayed by 15-20 minutes, inadequate for real-time trading education
  • They diverge on capability: Divvy covers Corporate cards, Investopedia Stock Simulator covers Virtual stock trading.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Investopedia Stock Simulator actually diverge.

Attributes where Divvy and Investopedia Stock Simulator differ
AttributeDivvyInvestopedia Stock Simulator
Pricing modelfreeUnknown
PlatformsWeb, Ios, AndroidWeb
CategoryAccountingPersonal Finance
Founded20162009

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 Investopedia Stock Simulator

  • Virtual stock trading
  • Real-time market data
  • Portfolio management
  • Educational resources
  • Market data

Both cover

  • Web 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 Investopedia Stock Simulator
  • Automating expense reports and receipt capturenot Investopedia Stock Simulator
  • Syncing card spend into accounting softwarenot Investopedia Stock Simulator

Investopedia Stock Simulator

  • Budget Managementnot Divvy
  • Expense Trackingnot Divvy
  • Investment Trackingnot 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

Investopedia Stock Simulator

  • Market data is delayed by 15-20 minutes, inadequate for real-time trading education
  • Limited order type support compared to modern trading platforms
  • Simplified fill simulation does not replicate real trading execution
  • Platform has not received significant updates in many years

Pricing, plan by plan

Divvy

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

Investopedia Stock Simulator

Free

No published plan breakdown. See the Investopedia Stock Simulator review.

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 Investopedia Stock Simulator if

  • You need virtual stock trading.
  • You want to start without paying.
  • You also want real-time market data.
Investopedia Stock Simulator review

Questions people ask

Is Divvy or Investopedia Stock Simulator better?
Neither clearly leads. Divvy starts at Free and Investopedia Stock Simulator at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Investopedia Stock Simulator?
Divvy starts at Free and Investopedia Stock Simulator at Free.
Does Divvy or Investopedia Stock Simulator run on more platforms?
Divvy runs on Web, Ios, Android. Investopedia Stock Simulator runs on Web.
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 Investopedia Stock Simulator is typically brought in for.
What can Divvy do that Investopedia Stock Simulator cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Investopedia Stock Simulator covers Virtual stock trading, Real-time market data, Portfolio management, Educational resources. Both handle Web 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
Investopedia Stock Simulator: Is the Investopedia Stock Simulator free?

Yes, the Investopedia Stock Simulator is completely free to use after creating an account. No real funds are required for simulated trading.

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
Investopedia Stock Simulator: What is included in the simulator?

Users receive a $100,000 virtual portfolio to trade stocks, with integrated educational content including articles, tutorials, and a financial dictionary for learning investing.

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
Investopedia Stock Simulator: What are the limitations of the Investopedia Simulator?

The simulator uses delayed market data (typically 15-20 minutes), has limited order type support, simplified fill simulation, and has not received proper updates in many years.

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
Investopedia Stock Simulator: Can you compete with other traders?

Yes, you can join existing games or create custom games with configurable rules including options, margin trading, and adjustable commission rates, competing with thousands of Investopedia traders.

Source
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