Divvy vs Carta: Which is Better in 2026?
Choosing between Divvy and Carta 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.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Divvy
Business expense management and corporate cards
Best for you if:
- • You need something completely free
- • You need expense management features specifically
- • Divvy is an expense management platform with corporate cards and automated expense reports
- • It provides real-time spend visibility, budget controls, and integrates with accounting software
Carta
Equity management and cap table software
Best for you if:
- • You need finance features specifically
- • Carta is a platform for managing equity, cap tables, and valuations for startups
- • It handles 409A valuations, equity grants, and liquidity events
| At a Glance |  Divvy |  Carta |
|---|---|---|
Starts at | Free | $299/monthStarter |
Best For | Expense Management | Finance |
Rating | - | - |
Choose Divvy or Carta?
Choose Divvy if
Business expense management and corporate cards
- Free expense management
- Corporate cards
- Budget controls
- You want a fully free tool (Carta requires payment)
- Your work is expense management-shaped, not finance-shaped
Choose Carta if
Equity management and cap table software
- Cap table management leader
- 409A valuations
- Equity management
- Your work is finance-shaped, not expense management-shaped
| Feature | Divvy | Carta |
|---|---|---|
| Pricing Model | Free | Paid |
| User Rating | No ratings yet | ★4.3/5 285 reviews |
| Categories | Expense ManagementFinance | FinanceEntity Management |
In-Depth Analysis
Divvy
Business expense management and corporate cards
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
Carta
Equity management and cap table software
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
Pricing: Divvy vs Carta
| Plan | Divvy | Carta |
|---|---|---|
| Tier 1 | Free Free | Free Launch |
| Tier 2 | N/A | $299 month Starter |
| Tier 3 | N/A | Custom Growth |
| Tier 4 | N/A | Custom Enterprise |
Pricing verified from each vendor's public pricing page. Compare in detail on Divvy pricing and Carta pricing.
Who Should Use What?
On a budget?
Divvy is free. Carta is paid.
Go with: Divvy
Want the highest-rated option?
Neither has user reviews yet.
Go with: Divvy
Value user reviews?
Neither has user reviews yet.
Go with: Carta
3 Questions to Help You Decide
What's your budget?
Divvy is free. Carta is paid. Go with Divvy if free matters most.
What's your use case?
Divvy is a expense management tool. Carta is in finance. Pick the category that matches your needs.
How important are ratings?
Neither has user reviews yet.
Key Takeaways
Carta
- Our pick for this comparison
Divvy
- Completely free
- Better fit for expense management
The Bottom Line
Carta is our pick. That said, Divvy is free, hard to beat on price.
Frequently Asked Questions
Is Divvy or Carta better?
Carta is rated in our evaluation. Divvy is free and Carta is paid.
What are Divvy and Carta used for?
Divvy: Business expense management and corporate cards. Carta: Equity management and cap table software.
What does Divvy cost vs Carta?
Divvy is completely free. Carta is a paid tool. Visit their websites for detailed pricing.