Softwr

Accounting · head to head

Divvy vs Money Manager

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Money Manager logo

Money Manager

Personal Finance

Personal and household finance tracker

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; Money Manager databases created by version 1.4.x are not readable by current releases and produce the error MMEX database version 13 doesn't work with this MMEX version, requiring a manual conversion procedure
  • They diverge on capability: Divvy covers Corporate cards, Money Manager covers Budget tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Divvy and Money Manager differ
AttributeDivvyMoney Manager
Pricing modelfreeopen-source
PlatformsWeb, Ios, AndroidWindows, Mac, Linux, IOS, Android
CategoryAccountingPersonal Finance
Founded20162005

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

Only in Money Manager

  • Budget tracking
  • Reporting
  • Multi-currency support
  • Import/Export
  • CSV
  • Windows support
  • Mac support
  • Linux support

Both cover

  • Expense tracking
  • 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 Money Manager
  • Automating expense reports and receipt capturenot Money Manager
  • Syncing card spend into accounting softwarenot Money Manager

Money Manager

  • Free desktop personal finance tracking on Windows, macOS and Linuxnot Divvy
  • Running a portable personal accounts file from removable media on Windowsnot Divvy
  • Categorising spending and reporting on personal accounts without a subscriptionnot 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

Money Manager

  • Databases created by version 1.4.x are not readable by current releases and produce the error MMEX database version 13 doesn't work with this MMEX version, requiring a manual conversion procedure
  • Linux is supported only through Flatpak builds for aarch64 and x86_64
  • The download page states no system requirements, deferring them to a separate compatibility page
  • There is no vendor support contract; the project is distributed as open source with no paid tier

Pricing, plan by plan

Divvy

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

Money Manager

Free
  • Open SourceFree
    • Expense tracking
    • Budget management
    • Reports

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 Money Manager if

  • You need budget tracking.
  • You want to start without paying.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want reporting.
Money Manager review

Questions people ask

Is Divvy or Money Manager better?
Neither clearly leads. Divvy starts at Free and Money Manager at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Money Manager?
Divvy starts at Free and Money Manager at Free.
Does Divvy or Money Manager run on more platforms?
Divvy runs on Web, Ios, Android. Money Manager runs on Windows, Mac, Linux, 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 Money Manager is typically brought in for.
What can Divvy do that Money Manager cannot?
Divvy covers Corporate cards, Budget management, Real-time visibility, Accounting sync. Money Manager covers Budget tracking, Reporting, Multi-currency support, Import/Export. Both handle Expense tracking, 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
Money Manager: How much does MoneyManager Ex cost?

MoneyManager Ex is completely free and open source software with no charges, subscriptions, or hidden fees of any kind.

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
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
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
Share

Related pages

More on Divvy

More on Money Manager

Keep looking

Other head to heads