Softwr

Accounting · head to head

Divvy vs PocketGuard

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
PocketGuard logo

PocketGuard

Personal Finance

In Your Pocket personal finance

From
$6.25/month
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; PocketGuard no free plan, only 7-day free trial
  • They diverge on capability: Divvy covers Corporate cards, PocketGuard covers Real-time spending alerts.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and PocketGuard actually diverge.

Attributes where Divvy and PocketGuard differ
AttributeDivvyPocketGuard
Starting priceFree$6.25/month
Pricing modelfreesubscription
Free tierYesNo
CategoryAccountingPersonal Finance
Founded20162012

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 PocketGuard

  • Real-time spending alerts
  • Budget tracking
  • Goal setting
  • Spending insights
  • Bank accounts
  • Credit cards
  • IOS support

Both cover

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

PocketGuard

  • Tracking spending and bills against a personal budgetnot Divvy
  • Finding and cancelling recurring subscriptionsnot 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

PocketGuard

  • No free plan, only 7-day free trial
  • Monthly subscription at $12.99/month costs $155.88 annually if not switched to annual billing
  • Lifetime plan at $149.99 is relatively expensive for personal finance software

Pricing, plan by plan

Divvy

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

PocketGuard

$6.25/month
  • Premium - Monthly$12.99/month
    • Budgeting tools
    • Expense tracking
    • Unlimited bank accounts
  • Premium - Annual$6.25/month
    • Same as monthly
    • $74.99 annual charge saves $81/year
  • Lifetime$149.99/one-time
    • All features
    • No recurring fees
    • Lifetime access

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 PocketGuard if

  • You need real-time spending alerts.
  • You work on Web, IOS, Android.
  • You also want budget tracking.
PocketGuard review

Questions people ask

Is Divvy or PocketGuard better?
Neither clearly leads. Divvy starts at Free and PocketGuard at $6.25/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or PocketGuard?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $6.25/month for PocketGuard.
Does Divvy or PocketGuard run on more platforms?
Divvy runs on Web, Ios, Android. PocketGuard runs on Web, IOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. PocketGuard starts at $6.25/month.
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 PocketGuard is typically brought in for.
What can Divvy do that PocketGuard cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. PocketGuard covers Real-time spending alerts, Budget tracking, Goal setting, Spending insights. Both handle 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
PocketGuard: How much does PocketGuard cost?

PocketGuard Premium costs $12.99/month for monthly billing or $6.25/month when billed annually ($74.99/year). A one-time Lifetime plan is also available for $149.99.

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
PocketGuard: Does PocketGuard offer a free trial?

Yes, PocketGuard offers a 7-day free trial with full access to all features. No credit card is required to start the trial.

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
PocketGuard: What is the annual savings with PocketGuard's yearly plan?

PocketGuard's annual plan costs $74.99/year ($6.25/month), saving $81 per year compared to paying $12.99 monthly ($155.88/year).

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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