Softwr

Accounting · head to head

Divvy vs Microsoft Excel

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Microsoft Excel logo

Microsoft Excel

Accounting

Spreadsheet software for data analysis and visualization

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; Microsoft Excel free tier limited to 5 GB cloud storage and web-only access
  • They diverge on capability: Divvy covers Corporate cards, Microsoft Excel covers Advanced formulas.

Where they differ

Only the attributes on which Divvy and Microsoft Excel actually diverge.

Attributes where Divvy and Microsoft Excel differ
AttributeDivvyMicrosoft Excel
Pricing modelfreefreemium
PlatformsWeb, Ios, AndroidWindows, Macos, Web, Ios, Android
Founded20161975

Identical on both: starting price (Free), free tier (Yes), 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 Microsoft Excel

  • Advanced formulas
  • Pivot tables
  • Data visualization
  • Charts and graphs
  • Conditional formatting
  • Data analysis tools
  • Macro automation
  • Collaboration features

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

Microsoft Excel

  • Financial modelingnot Divvy
  • Data analysisnot Divvy
  • Budget planningnot Divvy
  • Reportingnot Divvy
  • Business intelligencenot Divvy
  • Statistical analysisnot 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

Microsoft Excel

  • Free tier limited to 5 GB cloud storage and web-only access
  • Paid plans have per-user costs increasing significantly with more users
  • AI features like Copilot limited or unavailable on lower-tier plans

Pricing, plan by plan

Divvy

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

Microsoft Excel

Free
  • Microsoft Excel (Free)Free
    • Excel for the web
    • Real-time collaboration
    • 5 GB cloud storage
  • Microsoft 365 Personal$9.99/month
    • Desktop Excel app
    • 1 TB cloud storage
    • Single user on up to 5 devices
  • Microsoft 365 Family$12.99/month
    • 1-6 users (AI features for subscription owner)
    • Up to 6 TB cloud storage (1 TB per person)
    • Each user up to 5 devices
  • Microsoft 365 Premium$19.99/month
    • 1-6 users
    • Extensive Copilot feature access
    • Exclusive advanced AI capabilities

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 Microsoft Excel if

  • You need advanced formulas.
  • You want to start without paying.
  • You work on Windows, Macos, Web, Ios, Android.
  • You also want pivot tables.
Microsoft Excel review

Questions people ask

Is Divvy or Microsoft Excel better?
Neither clearly leads. Divvy starts at Free and Microsoft Excel at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Microsoft Excel?
Divvy starts at Free and Microsoft Excel at Free.
Does Divvy or Microsoft Excel run on more platforms?
Divvy runs on Web, Ios, Android. Microsoft Excel runs on Windows, Macos, 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 Microsoft Excel is typically brought in for.
What can Divvy do that Microsoft Excel cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Microsoft Excel covers Advanced formulas, Pivot tables, Data visualization, Charts and graphs.

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
Microsoft Excel: How much does Microsoft Excel cost?

Microsoft Excel is free as a web app with 5 GB storage. Paid options include Microsoft 365 Personal at $9.99/month for desktop apps and 1 TB storage, Family at $12.99/month for 1-6 users with 6 TB total storage, and Premium at $19.99/month with extended Copilot access.

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
Microsoft Excel: Is there a free version of Excel?

Yes, Excel for the web is free and includes sharing, real-time collaboration, and 5 GB cloud storage accessible on web, iOS, and Android without subscription.

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
Microsoft Excel: What is the difference between Microsoft 365 Family and Premium tiers?

Family tier at $12.99/month supports 1-6 users with 6 TB total storage and standard features. Premium tier at $19.99/month allows extensive Copilot feature access and exclusive advanced AI capabilities including image creation and audio generation.

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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