Softwr

Accounting · head to head

Divvy vs Quicken

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Quicken logo

Quicken

Personal Finance

Take control of your finances

From
$3.99/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; Quicken promotional pricing available only for annual billing; higher rates apply for monthly billing
  • They diverge on capability: Divvy covers Corporate cards, Quicken covers Budget creation.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Quicken actually diverge.

Attributes where Divvy and Quicken differ
AttributeDivvyQuicken
Starting priceFree$3.99/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, iOS, Android, Windows, macOS
CategoryAccountingPersonal Finance
Founded20161983

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 Quicken

  • Budget creation
  • Bill management
  • Investment tracking
  • Tax planning
  • Bank accounts
  • Investment accounts
  • Credit cards
  • Windows 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 Quicken
  • Automating expense reports and receipt capturenot Quicken
  • Syncing card spend into accounting softwarenot Quicken

Quicken

  • Individuals managing personal finances via Quicken Simplifi cloud app for budgeting and savings trackingnot Divvy
  • Freelancers and self-employed managing business and personal finances via Quicken Business & Personal plannot Divvy
  • Users preferring local data storage via Classic desktop editionsnot 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

Quicken

  • Promotional pricing available only for annual billing; higher rates apply for monthly billing
  • Subscriptions auto-renew at current rates unless manually cancelled

Pricing, plan by plan

Divvy

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

Quicken

$3.99/month
  • Quicken Simplifi$3.99/month
    • Billed annually at promotional rate
    • Regular price $6.99/month
    • Mobile and web access
  • Quicken Business & Personal$4.99/month
    • Billed annually at promotional rate
    • Regular price $8.99/month
    • Mobile and web 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 Quicken if

  • You need budget creation.
  • You work on Web, iOS, Android, Windows, macOS.
  • You also want bill management.
Quicken review

Questions people ask

Is Divvy or Quicken better?
Neither clearly leads. Divvy starts at Free and Quicken at $3.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Quicken?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $3.99/month for Quicken.
Does Divvy or Quicken run on more platforms?
Divvy runs on Web, Ios, Android. Quicken runs on Web, iOS, Android, Windows, macOS.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Quicken starts at $3.99/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 Quicken is typically brought in for.
What can Divvy do that Quicken cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Quicken covers Budget creation, Bill management, Investment tracking, Tax planning.

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
Quicken: How much does Quicken cost?

Quicken Simplifi starts at $3.99/month (billed annually) or $6.99/month (monthly billing). Quicken Business & Personal costs $4.99/month (annual) or $8.99/month (monthly). Annual billing offers savings versus monthly subscriptions.

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
Quicken: What is the difference between Quicken Simplifi and Quicken Business & Personal?

Quicken Business & Personal includes the ability to run up to 10 businesses at no extra cost, making it suitable for freelancers and small business owners. Quicken Simplifi is designed for personal finance and couples. Both are available on mobile and web.

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
Quicken: Can I cancel my Quicken subscription anytime?

Subscriptions auto-renew at then-current rates unless cancelled. The page indicates cancellation is possible but does not specify the cancellation process or any early termination fees.

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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