Best BILL Spend & Expense (Divvy) alternatives: apps like BILL Spend & Expense (Divvy)

9+ similar apps compared and reviewed

4.8 avg rating
9 free apps
Updated November 2026

Whether you want more options like BILL Spend & Expense (Divvy) or a completely different take on the same concept, our curated list of 9+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to BILL Spend & Expense (Divvy)

Ramp#1

Ramp by Ramp Business Corporation

Time is money. Save both
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜Š(48K ratings)
FreeAds
#95in Finance
Ramp screenshot 1
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This finance automation platform streamlines corporate spending with features like corporate cards, expense management, and bill payments. The mobile app allows users to manage expenses on the go, submit reports, and view transaction history.

What We Love

  • ๐Ÿš€ Incredible, user-friendly, intuitive, seamless, convenient, efficient, streamlined, and time-saving
  • ๐Ÿ‘ Easy to use, simple, clean, and well-designed interface
  • ๐Ÿ”’ Reliable, secure, and trustworthy
  • ๐Ÿ’ก Innovative features like virtual cards and receipt matching

Room to Improve

  • ๐Ÿ› Bugs, crashes, and compatibility issues with some devices
  • ๐Ÿ” Limited functionality compared to other expense management tools
  • ๐Ÿ’ฐ Forces use of Ramp credit card, which may not be suitable for all businesses
  • ๐Ÿ“ Redundant and intrusive feedback requests
Gusto Mobile#2

Gusto Mobile by Gusto, inc.

Small business payroll & HR
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(53K ratings)
Free
#70in Finance
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This app streamlines payroll, time tracking, and expense management for small businesses. Employers can manage team onboarding and approvals, while employees and contractors can track hours, access paychecks, and manage benefits on the go.

What We Love

  • ๐Ÿ’ฐ Wage advances and budgeting tools
  • ๐Ÿ•ฐ๏ธ Early pay feature
  • ๐Ÿ“Š Helpful tracking and statistics
  • ๐Ÿ‘ User-friendly and efficient
  • ๐Ÿ”’ Secure and trustworthy

Room to Improve

  • ๐Ÿ› Frequent app crashes and glitches
  • โฑ๏ธ Slow load times and app performance issues
  • ๐Ÿ”’ Difficulty accessing and managing accounts
  • ๐Ÿ” Unclear policies and lack of transparency
  • โŒ Poor customer service and unresponsive support
Carta - Manage Your Equity#3

Carta - Manage Your Equity by eShares

All things equity in one place
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(9.5K ratings)
Free
Carta - Manage Your Equity screenshot 1
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This platform helps individuals manage their equity, build businesses, and invest in emerging companies. The app allows users to handle all equity-related tasks, including accepting grants and exercising options.

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿš€ Intuitive interface
  • ๐Ÿ’ก Useful simulation feature
  • ๐Ÿ”’ Secure login with Face ID

Room to Improve

  • ๐Ÿ› Login issues and app crashes
  • โš ๏ธ Limited functionality compared to website
  • ๐Ÿ” Lack of detailed information and visibility
  • ๐Ÿ”’ Poor security and privacy practices

More apps like BILL Spend & Expense (Divvy)

4
Mercury | Bank Differently
Mercury | Bank Differently
Mercury | Bank Differently
Business and personal accounts
Free

This app offers business and personal banking solutions designed for entrepreneurs and ambitious individuals. It provides features like payment options, credit cards, expense management, invoicing, and AI-powered financial assistance. Access high-yield savings and unlimited USD wires with an annual subscription.

Business and personal accountsFree payment optionsCredit cards
๐Ÿ’ฐ Finance
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5
Nav Business Funding Roadmap
Nav Business Funding Roadmap
Nav Business Funding Roadmap
Business credit and funding
Free

This platform consolidates your business and personal credit profiles from major bureaus into a single dashboard. It helps you track credit data, monitor cash flow, and explore financing options. Users can also access tools for credit building and bookkeeping.

Consolidated credit profilesCash flow monitoringCredit building tools
๐Ÿ’ฐ Finance
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6
Principalยฎ
Principalยฎ
Principalยฎ
Retire on your terms.
Free

Manage your retirement savings and financial goals from your mobile device. Track account balances, adjust contributions, and access educational resources to improve your financial confidence. Tools are available to help you assess your progress towards retirement.

View account balancesRoll over fundsChange contributions
๐Ÿ’ฐ Finance
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free with in-app purchases
7
Bluevine
Bluevine
Bluevine
Bluevine
Free

This app offers a digital banking experience for businesses, allowing users to manage cash flow, pay bills, and deposit checks from their phones. It provides features like earning interest on balances, no monthly fees, and the ability to create multiple sub-accounts for budgeting.

Digital business checking accountManage cash flow and transactionsPay bills and deposit checks
๐Ÿ’ฐ Finance
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8
America First Credit Union
America First Credit Union
America First Credit Union
Mobile Banking
Free

Manage your finances conveniently with a secure mobile banking app. Perform transactions, deposit checks, track spending, and apply for loans anytime, anywhere. Aggregate accounts from other institutions for a consolidated view of your financial health.

Customizable dashboardMobile check depositBudget and spending tracking
๐Ÿ’ฐ Finance
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9
Optum Bank
Optum Bank
Optum Bank
Connecting health & finance
Free

Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

Track account balancesUnderstand eligible expensesPay for health costs
๐Ÿ’ฐ Finance
(55K)
free