1. Karbon Business
Karbon Card · Bengaluru · Expense management software · 4.7/5
Corporate cards and expense management for startups.
Free
Free plan available
Compared with Divvy
- Built in India (Bengaluru)
Expense management software · Alternatives
Best Divvy alternatives in India (2026)
Divvy is an expense management software product from Bill.com, Draper, priced at Free with a free plan. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 14 have a free plan, 9 are built in India.
Quick answer
The closest alternatives to Divvy are Karbon Business (Free), Kodo (Free), Ramp (Free), Zoho Expense for Accountants (Free) and Paytm for Business Expense (Free). Karbon Business is the top-ranked option with a free plan. Published prices in this list start at ₹700/month.
Why businesses look for a Divvy alternative
Indian support and GST
Divvy is built in United States. 9 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
A mobile app
Divvy does not list an Android app. 1 alternatives do.
Divvy alternatives compared
Ranked by how closely each product matches Divvy's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Divvy (current) | Free | Yes | Web | No | 4.5/5 | — |
| 1 | Karbon Business | Free | Yes | Web | Yes | 4.7/5 | |
| 2 |  Kodo | Free | Yes | Web | Yes | 4.7/5 | |
| 3 |  Ramp | Free | Yes | Web | No | 4.5/5 | |
| 4 |  Zoho Expense for Accountants | Free | Yes | Web | Yes | 4.6/5 | |
| 5 |  Paytm for Business Expense | Free | Yes | Web | Yes | 4.6/5 | |
| 6 |  Expensify | Free plan | Yes | Web | No | 4.6/5 | |
| 7 |  Brex | Free plan | Yes | Web | No | 4.4/5 | |
| 8 |  Navan | Free plan | Yes | Web | No | 4.4/5 | |
| 9 |  Volopay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 10 |  ITILITE | ₹700/mo | No | Web | Yes | 4.6/5 | |
| 11 |  Mesh Payments | Free plan | Yes | Web | No | 4.3/5 | |
| 12 |  Jenji | Free plan | Yes | Web | No | 4.3/5 | |
| 13 |  Moss | Free plan | Yes | Web | No | 4.3/5 | |
| 14 |  MileIQ | Free plan | Yes | Web | No | 4.3/5 | |
| 15 |  Keka Expense | ₹6,999/mo | No | Web | Yes | 4.5/5 | |
| 16 |  Rydoo | ₹800/mo | No | Web | No | 4.4/5 | |
| 17 |  Jupiter Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 18 |  Capital on Tap | Free plan | Yes | Web | No | 4.2/5 | |
| 19 |  Happay | On request | No | Web | Yes | 4.4/5 | |
| 20 |  Xpenditure by Rydoo | ₹800/mo | No | Web | No | 4.3/5 |
Top 10 Divvy alternatives in detail
2. Kodo
Kodo · Mumbai · Expense management software · 4.7/5
Corporate cards, reimbursements and vendor payments for startups.
Free
Free plan available
Compared with Divvy
- Built in India (Mumbai)
3. Ramp
Ramp · New York · Expense management software · 4.5/5
Corporate cards and spend management for US companies.
Free
Free plan available
4. Zoho Expense for Accountants
Zoho Corporation · Chennai · Expense management software · 4.6/5
Accountant partner edition of Zoho Expense.
Free
Free plan available
Compared with Divvy
- Built in India (Chennai)
5. Paytm for Business Expense
Paytm · Noida · Expense management software · 4.6/5
Expense tracking and payouts inside Paytm for Business.
Free
Free plan available
Compared with Divvy
- Built in India (Noida)
6. Expensify
Expensify · Portland · Expense management software · 4.6/5
Receipt scanning and expense reports with corporate cards.
Free plan
Free plan available
7. Brex
Brex · San Francisco · Expense management software · 4.4/5
Corporate cards, expenses and banking for startups.
Free plan
Free plan available
8. Navan
Navan · Palo Alto · Expense management software · 4.4/5
Travel and expense management for global companies.
Free plan
Free plan available
9. Volopay
Volopay · Bengaluru · Expense management software · 4.6/5
Corporate cards, expense management and vendor payouts.
Pay as you go
Free trial
Compared with Divvy
- No free plan, unlike Divvy
- Built in India (Bengaluru)
10. ITILITE
ITILITE · Bengaluru · Expense management software · 4.6/5
Corporate travel and expense management with savings incentives.
₹700/mo
Free trial
Compared with Divvy
- No free plan, unlike Divvy
- Built in India (Bengaluru)
Divvy alternatives by what you need
Lowest published price
Free Divvy alternatives
How to choose a Divvy alternative
- Decide whether you want cards. Card-led products are often free because they earn on interchange, but they require moving spend onto their cards.
- Check GST capture — the ability to record supplier GSTIN and claim ITC on employee expenses is a real saving that many global tools skip.
- Look at accounting sync depth: line-level export with cost centres beats a monthly CSV.
Divvy alternatives — FAQs
What is the best alternative to Divvy in 2026?+
The closest matches to Divvy on App Advisor are Karbon Business (Free), Kodo (Free), Ramp (Free). They are ranked by how closely their category, pricing model, platforms and target business size match Divvy, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Divvy?+
Yes. 14 of the 20 alternatives listed have a free plan or are free: Karbon Business (Free), Kodo (Free), Ramp (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
What is the cheapest alternative to Divvy?+
Among alternatives that publish a price, ITILITE starts lowest at ₹700/mo. Karbon Business also has a free plan. Prices are read from each vendor's website and exclude GST.
Is there an Indian alternative to Divvy?+
Yes. 9 alternatives are built in India, including Karbon Business (Free), Kodo (Free), Zoho Expense for Accountants (Free). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Divvy vs Karbon Business: which is better?+
Karbon Business is the closest match to Divvy in our catalogue. Key differences: Built in India (Bengaluru). Compare them side by side before you book a demo.
How were these Divvy alternatives chosen?+
Every product listed sits in expense management software or a category Divvy also covers, and Bill.com's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
Not sure which Divvy alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
Karbon Business alternativesKodo alternativesRamp alternativesZoho Expense for Accountants alternativesPaytm for Business Expense alternativesExpensify alternativesBrex alternativesNavan alternativesVolopay alternativesITILITE alternativesMesh Payments alternativesJenji alternativesAll expense management software alternativesBrowse all alternatives