Softwr

Accounting · head to head

Divvy vs Monarch Money

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Monarch Money logo

Monarch Money

Personal Finance

All-in-one wealth management platform

From
$99/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; Monarch Money the free trial is one week, after which a paid subscription is required to keep using the app
  • They diverge on capability: Divvy covers Corporate cards, Monarch Money covers Investment tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Divvy and Monarch Money differ
AttributeDivvyMonarch Money
Starting priceFree$99/year
Pricing modelfreesubscription
Free tierYesNo
CategoryAccountingPersonal Finance
Founded20162022

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
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2

Only in Monarch Money

  • Investment tracking
  • Tax planning
  • Financial insights
  • Bank accounts
  • Investment accounts
  • Cryptocurrency
  • IOS support

Both cover

  • Budget management
  • Web support
  • Android 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 Monarch Money
  • Automating expense reports and receipt capturenot Monarch Money
  • Syncing card spend into accounting softwarenot Monarch Money

Monarch Money

  • Tracking household budgets and spending across linked bank accountsnot Divvy
  • Shared budgeting between partners in one accountnot Divvy
  • Monitoring net worth and investment balances alongside cash accountsnot 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

Monarch Money

  • The free trial is one week, after which a paid subscription is required to keep using the app
  • The advertised 30 percent discount with code WELCOME applies to the first year only and is restricted to new users
  • There is no free tier, and a Plus tier gates features above the base subscription

Pricing, plan by plan

Divvy

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

Monarch Money

$99/year
  • Core Plan$99/year
    • 7-day free trial
  • Plus$null/year
    • Premium features

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 expense tracking.
Divvy review

Choose Monarch Money if

  • You need investment tracking.
  • You work on Web, IOS, Android.
  • You also want tax planning.
Monarch Money review

Questions people ask

Is Divvy or Monarch Money better?
Neither clearly leads. Divvy starts at Free and Monarch Money at $99/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Monarch Money?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $99/year for Monarch Money.
Does Divvy or Monarch Money run on more platforms?
Divvy runs on Web, Ios, Android. Monarch 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. Monarch Money starts at $99/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 Monarch Money is typically brought in for.
What can Divvy do that Monarch Money cannot?
Divvy covers Corporate cards, Expense tracking, Real-time visibility, Accounting sync. Monarch Money covers Investment tracking, Tax planning, Financial insights, Bank accounts. Both handle Budget management, Web support, Android 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
Monarch Money: How much does Monarch Money cost?

Monarch Money Core plan costs 99 USD/year, referenced in customer testimonials and promo code terms. Additional Plus tier exists but specific pricing is not disclosed on the main page.

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
Monarch Money: Is there a free trial?

Yes, Monarch Money offers a 7-day free trial for new users with no credit card required.

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
Monarch Money: Are there discounts available?

Monarch Money offers 30% off the first year with promo code WELCOME for new members on annual Core plan subscriptions. Cannot be combined with other offers.

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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