Digits
6.2/10Digits is an AI-driven general ledger that books, reconciles and reports for US small businesses, startups and the accounting firms that serve them.
Data last updated November 2026 · Our methodology
Overview
Digits sells what it calls an Autonomous General Ledger. AI agents categorize bank and card transactions, reconcile accounts and keep a live P&L, balance sheet and cash flow statement up to date. Digits says the models were trained on more than $825 billion of small-business transactions and that they book over 90 percent of entries automatically. Entries the system is unsure about go to an Inbox, where the owner or their accountant reviews them. All plans include bill pay with OCR and approvals, invoicing with payment collection, vendor and customer tracking, roles and permissions, document storage (Vault), a mobile app, and a developer API with an MCP server. Pricing is a flat monthly fee per business with no per-seat charges. Essentials costs $65 a month and Core costs $100 a month; Core adds department and location tracking and automated schedules. A Pro plan at $250 a month, which adds custom reports, custom dashboards and budget vs actuals, is listed as coming soon. You can run unlimited entities under one login: each additional entity is free up to 250 transactions a year and then starts at $35 a month. Accounting firms are billed per client, can get partner discounts, and get free firm books. Banks and cards connect through Plaid, which covers more than 12,000 institutions, and there are native connections to Mercury, Ramp, Gusto, BILL, Stripe and Arc. The product suits US service and software businesses with fairly simple books. It does not track inventory, offers no native payroll, and its app ecosystem is smaller than those of QuickBooks or Xero. Complex accruals still need manual work.
Our Rating
Finance Software6.1/10
AI Software6.2/10
Who Digits is best for
Good fit
Dashboards for burn and runway, links to Mercury, Ramp and Stripe, and flat pricing all target venture-backed startups.
Firms get per-client billing, free firm books, partner discounts and a review inbox.
An independent review names software companies as a core target, and Stripe is integrated natively.
Plans start at $65 a month and are built for service-based small businesses with simple books.
Less suited
There is no inventory accounting, and reviewers advise inventory-heavy sellers against it.
It has no inventory or manufacturing functionality.
Pros & Cons
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.
Key Features
Not included
- Inventory Accounting
- Payroll
Digits Pricing
Essentials
- No per-seat fees
- Developer API and MCP
- Bill pay and invoicing
- P&L, balance sheet and cash flow
- Multi-entity and roles and permissions
- Ledger with 24/7 AI bookkeeping and reconciliation
- Bank and payroll connections to 12,000+ institutions
Core
- Automated schedules
- Everything in Essentials
- Dimensional accounting for departments and locations
Pro (coming soon)
- Budget vs actuals
- Everything in Core
- Custom reports and custom dashboards
Frequently Asked Questions
Yes. Digits offers a 30-day free trial, and there are no setup fees.
Firms are billed per client account with no per-seat fees, can get partner discounts by contract, and can use free firm books.
Yes. All plans include unlimited entities under one login. Each extra entity is free up to 250 transactions a year, then starts at $35 a month.
No. It connects to payroll providers such as Gusto and does not offer inventory accounting.
Banks and cards connect through Plaid, covering 12,000+ institutions. Native integrations include Mercury, Ramp, Gusto, BILL, Stripe and Arc, and there is also a REST API and an MCP server.
An independent review reports that Digits is SOC 2 Type II compliant and encrypts data at rest and in transit.
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