Softwr

Accounting · head to head

Divvy vs Karbon

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Karbon logo

Karbon

Accounting

Practice management for accounting firms

From
$59/month
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; Karbon monthly billing option only available for teams of 4 or more users
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Karbon actually diverge.

Attributes where Divvy and Karbon differ
AttributeDivvyKarbon
Starting priceFree$59/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
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 Karbon

Nothing recorded that Divvy does not also cover.

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

Karbon

  • Automating client document collection for tax practice intakenot Divvy
  • Tracking all client requests in workflows tied to jobsnot Divvy
  • Aligning hours worked with billable time per engagementnot Divvy
  • Automating period close by connecting practice management to accountingnot Divvy
  • Streamlining client document submission and approval workflowsnot 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

Karbon

  • Monthly billing option only available for teams of 4 or more users
  • Team plan at $59/month per user minimum cost may be expensive for smaller practices
  • No seat license discounts published; scaling costs linearly with user count

Pricing, plan by plan

Divvy

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

Karbon

$59/month
  • Team$59/month
    • Per-user pricing
    • Designed for small accounting firms
    • Minimum team size of 4 for monthly billing
  • Business$89/month
    • Per-user pricing
    • Workflow automation
    • Integrations for growing practices
  • Enterprise$null/mo
    • Custom pricing
    • Tailored for large accounting firms
    • Dedicated support

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 Karbon if

Nothing in the data separates Karbon from Divvy on the points above - pick on price and on how each one feels to use.

Karbon review

Questions people ask

Is Divvy or Karbon better?
Neither clearly leads. Divvy starts at Free and Karbon at $59/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Karbon?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $59/month for Karbon.
Does Divvy or Karbon run on more platforms?
Divvy runs on Web, Ios, Android. Karbon runs on Web.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Karbon starts at $59/month.
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 Karbon is typically brought in for.
What can Divvy do that Karbon cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

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
Karbon: How much does Karbon cost?

Karbon pricing starts at $59 per user per month (Team plan, billed annually) or $79 per user per month (monthly billing for 4+ users). Business plan is $89/month annual or $99/month monthly. Enterprise pricing is custom.

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
Karbon: Is there a discount for annual billing on Karbon?

Yes, Karbon offers annual billing at a discount compared to monthly. Team plan is $59/month annually versus $79/month monthly. Business plan is $89/month annually versus $99/month monthly.

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
Karbon: What is the minimum user requirement for monthly billing on Karbon?

Karbon requires a minimum team size of 4 users to access monthly billing. Teams smaller than 4 must choose annual billing.

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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