Softwr

Accounting · head to head

Divvy vs Simplifi

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Simplifi logo

Simplifi

Personal Finance

Smart budgeting and spending tracker

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; Simplifi there is no free tier at all
  • They diverge on capability: Divvy covers Corporate cards, Simplifi covers Budget tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Simplifi actually diverge.

Attributes where Divvy and Simplifi differ
AttributeDivvySimplifi
Starting priceFree$3.99/month
Pricing modelfreesubscription
Free tierYesNo
CategoryAccountingPersonal Finance
Founded20162020

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 Simplifi

  • Budget tracking
  • Spending analysis
  • Goal tracking
  • Cash flow 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 Simplifi
  • Automating expense reports and receipt capturenot Simplifi
  • Syncing card spend into accounting softwarenot Simplifi

Simplifi

  • Personal budgeting with automatic bank transaction importnot Divvy
  • Tracking spending, savings goals and net worth in one placenot 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

Simplifi

  • There is no free tier at all
  • The advertised $3.99 a month requires annual billing, against $6.99 paying monthly
  • The subscription auto renews yearly at the then current price, which the terms state is subject to change rather than fixed

Pricing, plan by plan

Divvy

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

Simplifi

$3.99/month
  • Annual$3.99/month
    • Financial aggregation across 14,000+ institutions
    • Spending plan and budgeting tools
    • Savings goals tracking
  • Monthly$6.99/month
    • Financial aggregation across 14,000+ institutions
    • Spending plan and budgeting tools
    • Savings goals tracking

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 Simplifi if

  • You need budget tracking.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Simplifi review

Questions people ask

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

Quicken Simplifi costs $3.99 per month when billed annually, or $6.99 per month if billed monthly. The annual plan provides a 43% discount compared to monthly billing.

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
Simplifi: Does Quicken Simplifi offer a free trial?

No free trial is mentioned on the Quicken Simplifi pricing page. The service operates as a cloud-based subscription requiring payment to access personal finance management features including budgeting, spending tracking, and investment portfolio management.

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
Simplifi: What payment options are available for Simplifi?

Simplifi requires annual or monthly billing at checkout with automatic renewal. Cancellation is permitted before renewal without penalty.

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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