SAP S/4HANA Finance (SAP Simple Finance) vs Divvy in June 2026

Remove All

83% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

SAP S/4HANA Finance (SAP Simple Finance)

Accounting Software

View Details

85% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Divvy

Accounting Software

3.4 941 user ratings

View Details

Featured

98% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Xero

Accounting Software

4.1 7,154 user ratings

Visit Website

Featured

87% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Quickbooks

Accounting Software

4.4 3,259 user ratings

Visit Website

Overview

Description	This accounting software caters to small, medium as well as large-scale businesses around the globe and is mainly focused on handing general ledger, accounts, payroll, management of fixed assets and tax handling, allowing the organizations to invest more time in their core activities. It also offers different support plans to ensure any problems are handled quickly and efficiently by trained professionals. The software also provides ERP cloud feature to go with its ‘SAP S/4HANA’ product, especially designed for the large scale organizations. The other two products ‘SAP ERP’ and ‘SAP Business One’ are designed to provide solutions to the medium scale and small scale businesses respectively. Read more	Divvy is a finance management solution that is ideal for all types of enterprises and individuals in order to make financing easier and affordable for them. Divvy makes it easier to manage physical and virtual cards for a number of customers. It eliminates the need for a reconciliation process that is month-end based. Users can track everything in one place, in one account. Divvy is used for management solutions that give you the credits you need and the software to manage it. With Divvy, you will never go over budget and will make optimum utilization. Divvy is crafted for users to achieve financial wellness with budgeting and future visibility. With Divvy, users can eliminate manual processes, get real time visibility, and can easily pay attention to expert-level priorities, like budget forecasting, transactions can be easily monitored live, and also users can submit reimbursements directly in Divvy. At Divvy, they charge you the least and solely focus on managing your finances. They aim at putting an end to your need of buying higher amounts to the experts, and taking control of your budgets, and also managing your invoices and accounts. Read more	Xero is an award-winning online accounting software for small scale businesses. Xero offers a variety of features to make your business function smoothly and efficiently. The software handles all the accounting transactions effectively. It permits unlimited users to get online at a time and work in collaboration over data which is accessible through a single ledger. Xero also provides Bank Reconciliation services by importing the various transactions from your bank accounts and matching them with your cash-book. Business finances and cash-flow statements are updated on a real-time basis, helping you to keep a track of all your expenses and transactions. Read more	QuickBooks is an accounting software designed for small businesses, offering both on-premises applications and cloud-based solutions. Its user-friendly interface allows users to handle regular tasks like creating invoices or generating cash flow reports quickly and efficiently. With just a few clicks, businesses can access real-time reports and dashboards to monitor their cash flow and gain insights into where their money is going. QuickBooks provides essential accounting services, including accounts receivable and payable management, expense tracking, and Fixed Asset Management. Its intuitive design and powerful features make it easy for small business owners to stay organized and take control of their finances. Whether you need to manage day-to-day transactions or get a clear financial overview, QuickBooks simplifies the process, saving time and effort. It’s an all-in-one solution to meet the accounting needs of growing businesses and improve financial decision-making.. Read more
Pricing Options	Free Trial Not Available Offers Custom plan.	Free Trial Not Available Offers Free-forever plan.	Free Trial Available Starts at $29.00.	Free Trial Available Starts at $1.90.
SW Score & Breakdown	83% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 77% Reviews 81% Momentum 68% Popularity 90%	85% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 87% Reviews 93% Momentum 61% Popularity 83%	98% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 100% Reviews 99% Momentum 69% Popularity 97%	87% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more 100% Reviews 75% Momentum 63% Popularity 84%
SaaSworthy Awards	Not Available	Not Available	# 2 Most Worthy # 6 Fastest Growing	# 1 Most Worthy # 1 Fastest Growing

Features

Total Features	6 Features	12 Features	18 Features	18 Features
Common Features for All	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 3 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 9 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 15 More - Show Less	Accounts Payable Handling the money owed by a business to its suppliers. Accounts Receivable Handling the money the client owes to the company. Bank Reconciliation Matching the balances of an entity's accounting records with the corresponding information on a bank statement. Billing and Invoicing This feature helps in issuing and handling the invoice and bills. Budget Forecasting Helps to create budgets using past performance and future projections. Forecasting uses data, trends, and analytics to predict revenue, expenses, and cash flow. CPA Firms Offers collaboration with a professional expert for financial and consulting services. Cash Management Collection and management of cash. Collections Recovery of cash from a business or individual. Expense Tracking Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process. Fixed Asset Management Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence. General Ledger Maintaining and recording all the accounting related transactions. Multi-Currency Enables payment and collection in multiple currencies. Payroll Management Helps in automating the employee payment process, reduces incorrect data input and keep at bay paystub confusion Project Accounting Creation of financial reports specifically designed to track the financial progress of projects Purchasing Acquiring goods or services required for the business at minimal cost Revenue Recognition Determining the specific conditions under which revenue is recognized or accounted for Spend Management Managing the expenditure of a business in order to build its product or services Tax Management Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time + 15 More - Show Less

Technical Details

Organization Types Supported	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business
Platforms Supported	SaaS/Web/Cloud Mobile - Android Mobile - iOS Installed - Windows Installed - Mac	SaaS/Web/Cloud Mobile - Android Mobile - iOS Installed - Windows Installed - Mac	SaaS/Web/Cloud Mobile - Android Mobile - iOS Installed - Windows Installed - Mac	SaaS/Web/Cloud Mobile - Android Mobile - iOS Installed - Windows Installed - Mac
Modes of Support	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online
API Support	Available	NA	Available	Available

Reviews & Ratings

User Rating	Not Available	3.4/5 941 user ratings	4.1/5 7,154 user ratings	4.4/5 3,259 user ratings
Rating Distribution	Not Available	Excellent 51.2% Very Good 10.1% Average 1.9% Poor 2.2% Terrible 34.5%	Excellent 67.2% Very Good 8.6% Average 3.4% Poor 3.1% Terrible 17.6%	Excellent 79% Very Good 5.3% Average 1.4% Poor 1.7% Terrible 12.6%
User Sentiments	Not Available	Real-Time Expense Tracking, User-Friendly Interface, Budgeting and Spend Control, Excellent Customer Service Occasional App Bugs, Slow Receipt Processing, Limited Functionality for Large Organisations, Inconsistent Notification System	User Friendly Interface, Extensive Integrations, Automated Bank Feeds, Comprehensive Reporting Unreliable Bank Feeds, Slow Support Response Times, Limited User Permissions, Lack of Phone Support	Ease of Use, Comprehensive Reporting, Extensive Integrations, Invoice Management Customer Support, Subscription Model, Software Performance, Limited Features for Large Businesses
Review Summary	Not Available	Divvy's customer reviews generally portray it as a user-friendly and efficient cloud cost management platform. Users appreciate its intuitive interface, comprehensive features, and effective cost optimization capabilities. The platform's reporting and analytics functions are praised for providing valuable insights into cloud spending. Additionally, Divvy's customer support team receives positive feedback for their responsiveness and helpfulness. However, some users have expressed concerns regarding the platform's pricing and occasional technical issues. Overall, Divvy is well-received by its users for its ease of use, cost-saving potential, and reliable support.	User reviews of Xero are mixed. While many praise its ease of use, seamless integration with other platforms, and robust features for small businesses, they often express frustration with unreliable bank feeds, slow customer support response times, and lack of essential functionalities. Some users find the new invoicing system cumbersome, while others appreciate the help provided by Xero's support team, especially when it comes to technical issues. Overall, Xero is a powerful accounting software for small businesses but has drawbacks in its customer support and recent feature updates.	QuickBooks Desktop Pro is praised for its user-friendliness, ease of navigation, and robust features. Users appreciate its ability to handle accounting, payroll, and invoicing, with many finding it simple to use even without prior accounting experience. However, some users report slow performance, particularly with large files and multiple users, and some dislike the shift to a subscription-only model. Additionally, customer support is often cited as a weak point, with users finding it difficult to get timely and effective assistance.
		Read All User Reviews	Read All User Reviews	Read All User Reviews

AI-Generated from the text of User Reviews

Pricing

Pricing Options	Free Trial Not Available Offers Custom plan.	Free Trial Not Available Offers Free-forever plan.	Free Trial Available Starts at $29.00.	Free Trial Available Starts at $1.90.
Pricing Plans Monthly Plans Annual Plans	SAP S/4HANA Finance Custom	Divvy Free	Starter $29.00 $29.00 per month Standard $46.00 $46.00 per month Premium $69.00 $69.00 per month	Simple Start $1.90 $1.90 per month Essentials $2.80 $2.80 per month Plus $4.00 $4.00 per month Advanced $7.60 $7.60 per month
	View Detailed Pricing	View Detailed Pricing	View Detailed Pricing	View Detailed Pricing

Have Questions? We can help!

Get personalized recommendations from our experts on call

✔ Trusted by more than 5 Million users across the globe.

Alternatives

	Sage Accounting (Sage One) 4.6 40 ratings SAP S/4HANA Finance (SAP Simple Finance) Vs Sage Accounting (Sage One) AccountingSuite SAP S/4HANA Finance (SAP Simple Finance) Vs AccountingSuite AccountsIQ SAP S/4HANA Finance (SAP Simple Finance) Vs AccountsIQ Freshbooks 3.9 874 ratings SAP S/4HANA Finance (SAP Simple Finance) Vs Freshbooks Saral Accounts SAP S/4HANA Finance (SAP Simple Finance) Vs Saral Accounts	Expensify 4.3 649 ratings Divvy Vs Expensify Ramp 3.4 171 ratings Divvy Vs Ramp Capture Expense SAP Concur Expense Divvy Vs SAP Concur Expense ActivityHD Divvy Vs ActivityHD
	View All SAP S/4HANA Finance (SAP Simple Finance) Alternatives	View All Divvy Alternatives