Decimal vs Divvy

Detailed side-by-side comparison

Decimal

From $1500/mo

Decimal is a full-service accounting and finance platform that combines bookkeeping, CFO advisory, and financial reporting specifically for startups and high-growth companies. It pairs modern technology with dedicated accounting teams to deliver real-time financial insights and investor-grade reporting.

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Divvy

Free

Divvy is an expense management and budgeting platform that provides corporate cards, automated expense tracking, and budget controls in one solution. It helps finance teams gain real-time spending visibility while eliminating manual expense reports and reimbursements.

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Feature Comparison

Feature	Decimal	Divvy
Primary Focus	Comprehensive bookkeeping, accounting, and CFO advisory services with human experts handling your financials	Expense management and corporate card platform focused on tracking and controlling company spending
Financial Reporting	Full-service financial statements, investor-grade reports, and custom dashboards prepared by dedicated accounting teams	Real-time spending reports, budget tracking dashboards, and expense categorization with automated data capture
Automation	Automated month-end close process with expert accountants managing reconciliation and adjustments	Automated receipt capture, expense categorization, and real-time syncing with accounting software
Human Support	Dedicated accounting team and access to CFO-level financial advisors for strategic guidance	Customer support for platform usage; no dedicated financial advisors or accounting team included
Spending Control	No native spending controls; focuses on recording and reporting transactions after they occur	Customizable spending limits on corporate cards, budget allocations by department or project, and real-time spending alerts
Integration Capabilities	Integrates with QuickBooks, Xero, and major banking platforms for data consolidation and reporting	Integrates with QuickBooks, NetSuite, and other accounting software to sync expenses and card transactions

Pricing Comparison

Decimal starts at $1,500/month, reflecting its full-service approach with dedicated accounting teams and CFO advisory, while Divvy is free to use with revenue generated from card interchange fees. The pricing reflects fundamentally different value propositions: outsourced accounting services versus self-service expense management.

Verdict

Choose Decimal if...

Choose Decimal if you need comprehensive accounting services, bookkeeping support, and CFO-level financial guidance to produce investor-ready financials and strategic insights. It's ideal for startups and high-growth companies that want to outsource their entire finance function to experts.

Choose Divvy if...

Choose Divvy if you need to modernize expense management, gain real-time control over company spending, and eliminate manual expense reporting. It's perfect for companies with existing accounting operations that want better visibility and control over daily expenses and corporate card usage.

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Accounting

Pros & Cons

Decimal

Pros

+ Combines technology with expert human accountants for accuracy
+ Purpose-built for startups with investor-grade reporting
+ Proactive financial guidance from experienced finance professionals
+ Streamlined onboarding and migration from existing systems

Cons

- Higher price point compared to basic bookkeeping software
- May be overkill for very small businesses or solopreneurs
- Limited to U.S.-based companies

Divvy

Pros

+ Eliminates manual expense reports and reimbursements
+ Provides real-time visibility into company spending
+ Easy to set up and use with intuitive interface
+ Robust budget controls prevent overspending

Cons

- Requires credit approval for card issuance
- Limited customization options for enterprise workflows
- Some users report occasional syncing issues with accounting integrations