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.
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
Based on published vendor pricing and features and on public review data, here's who should pick what:
Divvy
Business expense management and corporate cards
Best for you if:
- • You want a fully free tool (Carta requires payment)
Carta
Equity management and cap table software
Best for you if:
- • You want cap table management leader
| At a Glance | Divvy | Carta |
|---|---|---|
Starts at | Free 100% free | $299/month Starter |
Category | Expense Management Finance | Finance Entity Management |
Rating | 4.5/5 G2 4.5 2,237 reviews | 3.7/5 G2 4.4 · Trustpilot 2.2 238 reviews |
Free plan | Yes | No |
Watch out for | n/a | Potential overage fees for stakeholders beyond tier limits. |
Choose Divvy or Carta?
Choose Divvy if
- You want a fully free tool (Carta requires payment)
- You want free expense management
- You want corporate cards
- You work in expense management, not finance
Choose Carta if
- You want cap table management leader
- You want 409A valuations
- You work in finance, not expense management
In-Depth Analysis
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
- Pro: Free expense management
- Pro: Corporate cards
- Pro: Budget controls
- Pro: Good UI
- Pro: Bill.com owned
Weaknesses
- Con: US only
- Con: Credit line requirements
- Con: Limited international
- Con: Some features need upgrade
- Con: Rewards less than Ramp
Key features
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
- Pro: Cap table management leader
- Pro: 409A valuations
- Pro: Equity management
- Pro: Investor relations
- Pro: Industry standard
Weaknesses
- Con: Expensive
- Con: Per-stakeholder pricing
- Con: Overkill for small companies
- Con: Complex for simple needs
- Con: 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.
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 Divvy or Carta better in 2026?
Carta wins this matchup. BILL ranks #1 on our Finance list. Wise is our free Finance pick. Pick Divvy for expense management workflows (main strength: free expense management). Pick Carta for finance workflows (main strength: cap table management leader).
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 free. Carta's paid plans start at $299/month (Starter).
What's the main difference between Divvy and Carta?
Divvy's main strength: free expense management. Carta's main strength: cap table management leader.