VS
Divvy vs Gusto Payroll — Which One Wins?
A detailed, side-by-side comparison of Divvy and Gusto Payroll to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Gusto Payroll takes the lead with a 4.6 rating and is best for small businesses with 1-100 employees. Divvy (4.4) is the better pick if you need teams wanting free corporate cards with budget controls.
Side-by-Side Comparison
| Criteria | Divvy | Gusto Payroll |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★★ 4.6(220) |
| Pricing Model | freemium | subscription |
| Starter Price | Free | $40/mo + $6/person/mo |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Easy | Easy |
| API Available | Yes | Yes |
| Best For | Teams wanting free corporate cards with budget controls | Small businesses with 1-100 employees |
| Verdict | Best Free Corporate Cards | Best Small Business Payroll |
Feature Checklist
| Feature | Divvy | Gusto Payroll |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Payroll | — | |
| Benefits Admin | — | |
| Tax Filing | — | |
| Time Tracking | — | |
| HR Tools | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Gusto Payroll
Pros
- ✓Incredibly easy to use
- ✓Automatic tax filings
- ✓Great employee self-service portal
Cons
- ✕Gets expensive as team grows
- ✕Limited international payroll
- ✕Benefits only in US
The Bottom Line
Both Divvy and Gusto Payroll are solid tools in the Accounting & Finance space. Gusto Payroll edges ahead with a stronger overall rating (4.6 vs 4.4) and is the better choice for small businesses with 1-100 employees. However, if you prioritize teams wanting free corporate cards with budget controls, Divvy is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Divvy better than Gusto Payroll?▼
Gusto Payroll scores higher overall with a 4.6 rating vs 4.4. However, the best choice depends on your specific needs. Divvy is best for Teams wanting free corporate cards with budget controls, while Gusto Payroll is best for Small businesses with 1-100 employees.
Can I switch from Divvy to Gusto Payroll?▼
Yes, most users can migrate between the two. Gusto Payroll offers a free tier to test before committing.
Which is more affordable, Divvy or Gusto Payroll?▼
Divvy starts at Free, while Gusto Payroll starts at $40/mo + $6/person/mo. Divvy offers a free tier. Gusto Payroll offers a free tier.