Divvy vs Patriot Software: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Divvy and Patriot Software side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Divvy leads on a free plan; Patriot Software leads on higher user rating. We do not name an overall winner for this pair.
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 (Patriot Software requires payment)
Patriot Software
Fast, simple, and affordable accounting and payroll software for small businesses.
Best for you if:
- • You want superior usability and ease of use
| At a Glance | Divvy | Patriot Software |
|---|---|---|
Starts at | Free 100% free | From $17/mo, billed monthly Basic Payroll plan |
Category | Expense Management Finance | Accounting Payroll |
Rating | 4.5/5 G2 4.5 2,237 reviews | 4.7/5 Capterra 4.8 · G2 4.8 · SourceForge 4.3 4,662 reviews |
Free plan | Yes | No |
Choose Divvy or Patriot Software?
Choose Divvy if
- You want a fully free tool (Patriot Software requires payment)
- You want free expense management
- You want corporate cards
- You work in expense management, not accounting
Choose Patriot Software if
- You want superior usability and ease of use
- You want unmatched USA-based customer support included for free
- You work in accounting, 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
Patriot Software
Fast, simple, and affordable accounting and payroll software for small businesses.
Patriot Software offers very competitive pricing, especially for its Accounting Basic tier at $20/month, which is quite generous for unlimited invoices and bank imports.
Strengths
- Pro: Superior usability and ease of use
- Pro: Unmatched USA-based customer support included for free
- Pro: Affordable pricing compared to competitors
- Pro: No long-term contracts, monthly subscription
- Pro: Integrated accounting and payroll under one login
Weaknesses
- Con: Add-on services like Bookkeeping, Time & Attendance, and HR Software incur additional costs
- Con: Discounts for add-ons do not apply to the Bookkeeping Service
- Con: Nominal fees may apply for optional 1099 e-Filing
Key features
Plans and prices: Divvy vs Patriot Software
| Tool | Plans and prices | Source |
|---|---|---|
| Divvy |
| divvy.co/pricingread Oct 4, 2026 |
| Patriot Software |
| patriotsoftware.com/pricingread Oct 3, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Divvy pricing and Patriot Software pricing.
Key Takeaways
Divvy
- Has a free plan
Patriot Software
- Higher user rating: 4.7/5 vs 4.5/5
What the data shows
On the data below, Divvy leads on a free plan; Patriot Software leads on higher user rating. We do not name an overall winner for this pair.
- Patriot Software has the higher user rating (4.5/5 from 2,237 reviews for Divvy, 4.7/5 from 4,662 reviews for Patriot Software).
- Patriot Software starts at $17/mo, billed monthly; Divvy has no public paid plan price on file.
- Only Divvy has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Divvy and Patriot Software compare in 2026?
On the data below, Divvy leads on a free plan; Patriot Software leads on higher user rating. We do not name an overall winner for this pair. Patriot Software has the higher user rating (4.5/5 from 2,237 reviews for Divvy, 4.7/5 from 4,662 reviews for Patriot Software). Patriot Software starts at $17/mo, billed monthly; Divvy has no public paid plan price on file. Only Divvy has a free plan.
What are Divvy and Patriot Software used for?
Divvy: Business expense management and corporate cards. Patriot Software: Fast, simple, and affordable accounting and payroll software for small businesses.
What does Divvy cost vs Patriot Software?
Divvy is free. Patriot Software's cheapest paid plan is Basic Payroll at $17/mo, billed monthly. Prices read on the vendors' pricing pages, latest check Oct 4, 2026.
What's the main difference between Divvy and Patriot Software?
Divvy's main strength: free expense management. Patriot Software's main strength: superior usability and ease of use.