Softwr

Accounting · head to head

Divvy vs Lunch Money

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Lunch Money logo

Lunch Money

Personal Finance

Hosted budgeting app with bank sync, crypto and multi-currency tracking, pay-what-you-want annual pricing

From
$60/year
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; Lunch Money there is no self-hosted or local-first option at all, so your transaction data lives permanently on Lunch Money servers under their terms.
  • They diverge on capability: Divvy covers Corporate cards, Lunch Money covers Bank sync.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and Lunch Money actually diverge.

Attributes where Divvy and Lunch Money differ
AttributeDivvyLunch Money
Starting priceFree$60/year
Pricing modelfreePay what you want, annual, above a published minimum
Free tierYesNo
CategoryAccountingPersonal Finance
Founded2016Unknown

Identical on both: 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
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

Only in Lunch Money

  • Bank sync
  • Multi-currency support
  • Crypto account tracking
  • Recurring transaction detection
  • Budget rollover rules
  • Pay-what-you-want pricing

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

Lunch Money

  • Someone with bank accounts in more than one currency who wants unified budgeting without manual conversionnot Divvy
  • A crypto holder wanting wallet balances alongside ordinary bank budgeting in one viewnot Divvy
  • A user who wants automatic bank sync and does not want to run or maintain self-hosted softwarenot Divvy
  • A YNAB user frustrated by rigid category rollover rules who wants more configurable behaviournot 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

Lunch Money

  • There is no self-hosted or local-first option at all, so your transaction data lives permanently on Lunch Money servers under their terms.
  • Bank sync depends on third-party aggregators, and connections to some smaller banks or regional institutions can break and need manual reconnection.
  • Pay-what-you-want pricing means the effective price a new subscriber lands on is not fixed, and legacy discounted pricing available to early adopters is not available to new sign-ups.
  • It has no free tier, only a trial, so anyone wanting a permanently free budgeting tool needs to look at Actual Budget or Firefly III instead.
  • Crypto tracking is basic balance tracking rather than portfolio analysis, so active traders will still want a dedicated crypto tool alongside it.

Pricing, plan by plan

Divvy

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

Lunch Money

$60/year
  • Lunch Money$60/year
    • Bank sync and manual accounts
    • Multi-currency and crypto tracking
    • Budgets, reports and recurring detection

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 Lunch Money if

  • You need bank sync.
  • You work on Web, iOS, Android.
  • You also want multi-currency support.
Lunch Money review

Questions people ask

Is Divvy or Lunch Money better?
Neither clearly leads. Divvy starts at Free and Lunch Money at $60/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Lunch Money?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $60/year for Lunch Money.
Does Divvy or Lunch Money run on more platforms?
Divvy runs on Web, Ios, Android. Lunch Money runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Lunch Money starts at $60/year.
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 Lunch Money is typically brought in for.
What can Divvy do that Lunch Money cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Lunch Money covers Bank sync, Multi-currency support, Crypto account tracking, Recurring transaction detection.

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
Lunch Money: Can I self-host Lunch Money?

No, it is a hosted service only; there is no self-hosted or open source version.

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
Lunch Money: How does the pay-what-you-want pricing work?

Lunch Money publishes a minimum annual price and lets subscribers choose to pay that or more; existing subscribers can often keep older discounted rates.

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
Lunch Money: Does it handle multiple currencies?

Yes, natively, which is a common reason people choose it over YNAB or Monarch Money for international finances.

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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