Softwr

Accounting · head to head

Divvy vs Moneydance

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Moneydance logo

Moneydance

Personal Finance

Cross-platform personal finance management

From
On request
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; Moneydance the free trial is limited to 100 manually entered transactions
  • They diverge on capability: Divvy covers Corporate cards, Moneydance covers Bill tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Moneydance actually diverge.

Attributes where Divvy and Moneydance differ
AttributeDivvyMoneydance
Starting priceFreeOn request
Pricing modelfreeone-time
Free tierYesNo
PlatformsWeb, Ios, AndroidWindows, Mac, Linux, IOS, Android
CategoryAccountingPersonal Finance
Founded20162001

Identical on both: 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 Moneydance

  • Bill tracking
  • Investment monitoring
  • Budget tracking
  • Financial forecasting
  • Bank accounts
  • Investment accounts
  • OFX import
  • Windows support

Both cover

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

Moneydance

  • Desktop personal finance management on macOS, Windows and Linuxnot Divvy
  • Importing and reconciling bank and credit card transactions locallynot Divvy
  • Tracking investments and budgets without a cloud-only servicenot 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

Moneydance

  • The free trial is limited to 100 manually entered transactions
  • A one-time Buy Once purchase covers Moneydance 2024 plus one free upgrade to the next major release, not all future versions
  • Bank connection features are sold separately as the Moneydance Plus subscription rather than included in the one-time purchase
  • Business use requires one licence per computer, while the household licence covers personal use only

Pricing, plan by plan

Divvy

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

Moneydance

On request
  • Perpetual License$59.99/month
    • Full feature set
    • Free updates

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 Moneydance if

  • You need bill tracking.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want investment monitoring.
Moneydance review

Questions people ask

Is Divvy or Moneydance better?
Neither clearly leads. Divvy starts at Free and Moneydance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Moneydance?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Moneydance.
Does Divvy or Moneydance run on more platforms?
Divvy runs on Web, Ios, Android. Moneydance runs on Windows, Mac, Linux, IOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Moneydance starts at On request.
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 Moneydance is typically brought in for.
What can Divvy do that Moneydance cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Moneydance covers Bill tracking, Investment monitoring, Budget tracking, Financial forecasting. Both handle 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
Moneydance: How much does Moneydance cost?

Moneydance pricing is not disclosed on the main website; customers must visit the purchase page to view rates. The software includes a 90-day money back guarantee.

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
Moneydance: Is there a free trial?

Yes, Moneydance offers a free trial that is fully functional but limited to entering up to 100 manually entered transactions.

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
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