Divvy is a free and powerful finance tool that allows businesses of all sizes to set budgets, control spend, automate expenses, and access business credit—from one seamless platform. We offer the same features as Zoho®’s impressive suite, but we do it with a more unified and cost-free experience.
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See how Divvy and Zoho® compare.
| Divvy | Zoho® Expense & Finance Plus | |
| Monthly price | Free | Expense: $5/user Finance Plus: $148/10 users |
| Automatic expense reporting | Free | $5/user |
| Receipt capture | ✔️ | Limited |
| Reimbursements* | Free | $5/user |
| Budget controls | Free | $5/user |
| Credit | ✔️ | ❌ |
| Virtual cards | ✔️ | ❌ |
| Cards for all users | ✔️ | ❌ |
| Travel | ✔️ | ❌ |
| Rewards | ✔️ | ❌ |
| Learn more | Learn more |
*Learn more about our reimbursements add-on.
Divvy puts all your spend in one place, for less.
Budget controls make your financial goals a reality when no one can overspend.
All users get corporate cards, access to virtual cards, and expense management software together.
Choose credit and rewards that are flexible for your business needs.
Manage your finances in a single platform.
“Since implementing Divvy, we have saved more than 20 hours each month in the finance department alone.”
Why customers prefer Divvy.
8.9 stars/10
TrustRadius reviewers love the flexibility of switching between virtual cards and physical cards.
Divvy provides cards and software for free.
Tired of unclear pricing from other expense software solutions? Divvy is free for every business and does not require minimum usage. You can provide every employee with company cards and enforceable budgets—with no additional fees.
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No other card or software can do what Divvy does.
Enforceable budgets
Create a common understanding of budgets. Start by making a budget, with admins and users, divvy out funds, and watch the spend roll in. With real-time tracking and spend controls, you’ll never go over budget again.
Cards for every spender
Every employee can have their own card, and you control every card’s balance. That fosters trust between the finance teams and everyone else. For off-card purchases, Divvy supports painless reimbursements.
Real-time visibility
Every time a Divvy card is swiped, the transaction is visible to the spender, the budget owner, and the company admin—immediately. No more flying dark until everyone files their reports.
Streamline bill payments
Pay your bills and invoices faster. With Divvy’s AP Management, AP Processing just takes a few clicks: add your vendor, create a payment, and you’re done. We take care of the rest.
Vendor management with virtual cards
Create as many virtual cards as you need to manage online subscriptions. This keeps your real 16-digit card number protected, and gives you better control.
Auto-categorized expenses
With Divvy, you’ll never have to do another manual expense report again. Say goodbye to piles of receipts and invoices. By distributing the burden of categorization to spenders, transactions are categorized at the point of spend.
User-friendly, multi-device app
Divvy’s app is intuitive—even beautiful—by design. And it functions the same across any device. We’ve removed friction by creating an easy-to-use app that trains your employees for you.
Seamless financial integrations
No matter what financial tech you’re using, Divvy plays nice. You can map custom fields to GL codes and save hours every month with our QuickBooks Online sync.
Human support
With a world-class support team that you can reach any time, you’ll always have help spending smarter. We’re available for chat, phone call, and even in-person onboarding.
Ready to start spending smarter?
Zoho®, Zoho® Expense and Zoho® Finance Plus are federally registered trademarks of Zoho Corporation and is one of many trademarks owned by Zoho Corporation. Divvy is an independent SaaS provider; however is not affiliated with or endorsed by Zoho Corporation. The use of Zoho® on this page is merely to compare Divvy products with Zoho Corporation’s products.
