Digits vs Pennylane Comparison
Compare Digits vs Pennylane features, pricing, and more.
Last updated: November 2026
Digits
6.1/10
Digits is an AI-driven general ledger that books, reconciles and reports for US small businesses, startups and the accounting firms that serve them.
Pennylane
6.4/10
French accounting, invoicing, cash management and business account platform for freelancers, small businesses, SMEs and the accounting firms that serve them.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.4/10 |
| Scalability | 5/10 | 6/10 |
| Analytics | 8/10 | 6/10 |
| Compliance | 5/10 | 8/10 |
| Integration | 5/10 | 7/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 5/10 |
| Cost | 6/10 | 5/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $65/mo Essentials | €7/mo Starter (freelancer) |
| Estimated cost for 10 users | $65/mo Essentials | Contact for pricing |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Bank Reconciliation | ||
| Budgeting and Forecasting | ||
| Financial Reporting | ||
| General Ledger | ||
| Invoicing | ||
| Online Payments | ||
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | ||
| Tax Compliance | Not listed | |
Digits vs Pennylane cost by team size
| Team size | Digits | Pennylane |
|---|---|---|
| 1 user | $65/moEssentials | €7/moStarter (freelancer) |
| 5 users | $65/moEssentials | Contact for pricing |
| 10 users | $65/moEssentials | Contact for pricing |
| 25 users | $65/moEssentials | Contact for pricing |
| 50 users | $65/moEssentials | Contact for pricing |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Digits
- Higher Analytics score (8/10 vs 6/10)
- Higher Security score (7/10 vs 6/10)
- Better fit for startups (9/10 vs 7/10)
Why choose Pennylane
- Higher Compliance score (8/10 vs 5/10)
- Higher Integration score (7/10 vs 5/10)
Pros & Cons
Digits
Pros
- The AI ledger books most transactions automatically and sends only uncertain entries to a review inbox.
- Reviewers praise the live dashboards and the ability to drill from a trend down to the transaction behind it.
- Flat per-business pricing with no seat fees, starting at $65 a month.
- Bill pay, invoicing and multi-entity are included in every plan.
- An API and MCP server let developers connect AI tools such as Claude and ChatGPT.
Cons
- No inventory accounting, so it does not suit product-heavy businesses.
- No native payroll; it relies on connections to providers such as Gusto.
- Bank connections through Plaid can break and need re-authentication.
- Complex accruals still need manual work, and some accountants distrust automated decisions they cannot see into.
- Budget vs actuals and custom reports are tied to a Pro plan that is not yet available.
Pennylane
Pros
- Accountants and clients work in the same shared space, which reviewers call its main strength.
- Bank transactions are categorised and reconciled automatically, based on past categorisations.
- A business account with an IBAN and employee cards is included even on the entry plan.
- It is approved for French e-invoicing, and Premium adds electronic filing of VAT and tax returns.
- A 15-day free trial and cancel-anytime billing mean there is no long-term commitment.
Cons
- Reviewers consider it fairly expensive, and there is no free plan.
- Full accounting reports and tax filing are limited to Premium.
- No payroll or CRM of its own; it relies on Payfit, Silae and CRM integrations.
- Users report slow support on complex issues, occasional bugs, and a multi-currency feature that still needs work.
- Pricing for companies with employees is quote-based on the vendor site.
Not sold on either?
Frequently Asked Questions
Pennylane scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Digits. The largest gap is in Compliance: 5/10 for Digits and 8/10 for Pennylane.
No, neither Digits nor Pennylane lists a free plan.
Digits is the better fit for startups: we rate it 9/10 for them, against 7/10 for Pennylane.
