Carta vs Divvy: Which is Better in 2026?
Choosing between Carta and Divvy comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Bottom line: Carta wins this matchup. BILL ranks #1 on our Finance list. Wise is our free Finance pick. Pick Divvy if you need expense management.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Carta
Equity management and cap table software
Best for you if:
- • You want cap table management leader
- • You want 409A valuations
Divvy
Business expense management and corporate cards
Best for you if:
- • You want a fully free tool (Carta requires payment)
- • You want free expense management
- • You want corporate cards
| At a Glance | Carta | Divvy |
|---|---|---|
Starts at | $299/monthStarter | FreeFree tier available |
Best For | Finance | Expense Management |
Rating | 3.7/5 | 4.5/5 |
Free plan | No | Yes |
Choose Carta or Divvy?
Choose Carta if
Equity management and cap table software
- You want cap table management leader
- You want 409A valuations
- Your work is finance-shaped, not expense management-shaped
Choose Divvy if
Business expense management and corporate cards
- You want a fully free tool (Carta requires payment)
- You want free expense management
- You want corporate cards
- Your work is expense management-shaped, not finance-shaped
| Feature | Carta | Divvy |
|---|---|---|
| Pricing Model | Paid | Free |
| User Rating | ★3.7/5 238 reviews | ★4.5/5 2,237 reviews |
| Categories | FinanceEntity Management | Expense ManagementFinance |
In-Depth Analysis
Carta
Equity management and cap table software
Carta's pricing is quite generous for early-stage startups with its free 'Launch' tier, offering essential cap table and basic 409A.
Watch out
Potential overage fees for stakeholders beyond tier limits.
Strengths
- +Cap table management leader
- +409A valuations
- +Equity management
- +Investor relations
- +Industry standard
Weaknesses
- -Expensive
- -Per-stakeholder pricing
- -Overkill for small companies
- -Complex for simple needs
- -Migration difficult
Key features
Divvy
Business expense management and corporate cards
Divvy's pricing is exceptionally generous, offering a full-featured corporate card and expense management platform for free.
Strengths
- +Free expense management
- +Corporate cards
- +Budget controls
- +Good UI
- +Bill.com owned
Weaknesses
- -US only
- -Credit line requirements
- -Limited international
- -Some features need upgrade
- -Rewards less than Ramp
Key features
Pricing: Carta vs Divvy
| Plan | Carta | Divvy |
|---|---|---|
| Tier 1 | Free Launch | Free Free |
| Tier 2 | $299 month Starter | N/A |
| Tier 3 | Custom Growth | N/A |
| Tier 4 | Custom Enterprise | N/A |
Pricing verified from each vendor's public pricing page. Compare in detail on Carta pricing and Divvy pricing.
Who Should Use What?
On a budget?
Divvy is free. Carta is paid.
Go with: Divvy
Want the highest-rated option?
Carta: 3.7/5 (238 reviews). Divvy: 4.5/5 (2,237 reviews).
Go with: Divvy
Value user reviews?
Carta: 238 reviews (3.7/5). Divvy: 2,237 reviews (4.5/5).
Go with: Divvy
3 Questions to Help You Decide
What's your budget?
Carta is paid. Divvy is free. Go with Divvy if free matters most.
What's your use case?
Carta is a finance tool. Divvy is in expense management. Pick the category that matches your needs.
How important are ratings?
Divvy is rated higher: 4.5/5 vs 3.7/5.
Key Takeaways
Carta
- Our pick for this comparison
Divvy
- Completely free
- Higher user rating: 4.5/5 vs 3.7/5
- Larger review base (2,237 reviews)
- Better fit for expense management
The Bottom Line
Carta wins this matchup. BILL ranks #1 on our Finance list. Wise is our free Finance pick. That said, Divvy is free, hard to beat on price.
Frequently Asked Questions
Is Carta or Divvy better?
Carta is rated in our evaluation. Carta is paid and Divvy is free.
What are Carta and Divvy used for?
Carta: Equity management and cap table software. Divvy: Business expense management and corporate cards.
What does Carta cost vs Divvy?
Carta is a paid tool. Divvy is completely free. Visit their websites for detailed pricing.