How to Build Your Own Divvy
Replace Divvy with a custom build. Spend management platform for modern businesses
Build Difficulty: 4/5
A few focused days to build a solid replacement
Estimated Timeline
Based on 40 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.
Recommended Tech Stack
Full-stack React framework with API routes and server components
PostgreSQL database, auth, and real-time subscriptions
Utility-first styling for rapid UI development
Key Features to Replicate
Top features across 8 categories. See all 40 features
Security(6 features)
Instantly freeze or unfreeze cards from the dashboard or mobile app.
AI-powered anomaly detection for suspicious spending patterns.
Block or allow specific merchant categories and merchants on issued cards.
Single sign-on support for enterprise identity providers.
Optional 2FA for enhanced account security.
+1 more in this category
Compliance(4 features)
Complete audit trail of all transactions, approvals, and system changes.
Define and enforce company expense policies with automated compliance checks.
Full PCI DSS 3.2 compliance for secure payment processing.
Enforce company spending policies automatically with rule-based card restrictions.
Payment Processing(4 features)
Direct bank transfers to employee accounts for reimbursements.
Transact in multiple currencies with real-time FX conversion and rates.
Branded physical debit cards for employees with customizable spending limits.
Create unlimited single-use or recurring virtual cards for online purchases and subscriptions.
Accounting(3 features)
AI identifies duplicate expenses and prevents double reimbursement.
Automatic categorization and reconciliation of transactions with accounting systems.
Automated reconciliation with bank statements and accounting exports.
Analytics(3 features)
Build custom reports and dashboards with flexible filtering and export options.
Monitor spending across the organization in real-time dashboards and reports.
Advanced analytics on spending trends and patterns across organization.
Budget Management(2 features)
Set spending limits by department, team, project, or individual user.
Set daily, weekly, or monthly spending limits per card.
Integration(2 features)
RESTful API for custom integrations and third-party application connections.
Automate user provisioning and deprovisioning via SCIM protocol.
Reporting(2 features)
Detailed statements for each card with transaction breakdowns.
Set up automated report delivery on schedule to stakeholders.
Cost Calculator
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Build It Yourself
Total Cost Comparison
DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 40 features at easy complexity.