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Bonsai vs Divvy (BILL Spend and Expense): 2026 Comparison

Bonsai Divvy (BILL Spend and Expense)
Overview An all-in-one business management platform for freelancers and agencies with proposals, contracts, invoicing, and accounting. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Subscription ($21-$52/month) Free (Free (revenue from interchange))
Key Features
  • Proposals
  • Contracts
  • Invoicing
  • Accounting
  • Tax prep
  • Time tracking
  • Task management
  • Client CRM
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • All-in-one for freelancers
  • Good contract templates
  • Tax estimation
  • Professional proposals
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Limited for larger businesses
  • Some features basic
  • Fewer integrations
  • US tax features only
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

Bonsai

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Divvy (BILL Spend and Expense)

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