Digits Review
Digits is an AI native accounting platform that runs its own general ledger for United States small businesses, startups and the accounting firms that serve them, with automation aimed at bookkeeping and the month end close.
Independently scored, one dimension at a time. Every dimension is sourced, and we say whether a claim is published, reported, or estimated.
Digits publishes a hosted MCP server at api.digits.com/mcp, which returned HTTP 401 to an unauthenticated request during this review, confirming a live OAuth gated endpoint. The help centre documents ten tools covering transaction queries, dimensional summaries and full financial statements, plus setup paths for Claude, Claude Code, ChatGPT, Cursor and Perplexity with no developer account or API key required. The stated limit is that the MCP server is read only, so an agent can analyse the books but cannot post to them.
The Connect API documentation index lists 93 reference endpoints covering transactions, parties, invoices and bills, chart of accounts, financial statements, aggregations, client entities and a bill approval and payment workflow, with OAuth 2.0 authorisation code, cursor pagination, webhooks, a developer sandbox and a full OpenAPI spec. Rate limits are published at 180 requests per minute per client id and 60 per access token, and the vendor states there are no partner fees or marketplace restrictions. The marketplace is the weak spot: nine named native integrations plus bank feeds through Plaid.
Digits produces profit and loss, balance sheet, cash flow, trial balance and AR and AP aging from the live ledger, exports them as a single financial package, and cuts reports by department and location. The Agentic Close product page describes auto fetched bank statements, continuous quality control with configurable materiality thresholds and custom checklists, which is more close tooling than most products in this price band carry. Consolidation and multi currency reporting are absent, and the Basis FP&A acquisition of June 2024 has produced no budgeting or forecasting page in the current help centre.
Setup is self serve behind a free 30 day trial, and the QuickBooks Online migration is built in: the help centre lists chart of accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products as migrating automatically at a chosen cutover date. Two constraints hold the score down. Migration runs only during initial setup and cannot be added later without starting over, and reconciliation status, reconciliation history, source documents and aging history do not travel.
The pricing page publishes business plans at 65, 100 and 250 dollars per month, with Pro at 250 marked coming soon, alongside a feature matrix showing which agents and close features each tier carries. Firm pricing is no longer published: as checked on 25 September 2026 the firm tab offers access to partner only plans, and the accountants compare page says firm pricing is custom. Until early September it printed a full per client firm grid.
The availability page limits Digits to businesses legally based in the United States that bank with United States institutions and operate in USD, and names Canada, the United Kingdom, Australia, Malaysia and the EU as unsupported. Entities in Digits are separate businesses inside one organisation, each carrying its own plan price, with no consolidated view across them. Firm side capacity is real: the pricing page runs firm tiers up to an Enterprise band for 500 or more clients and grants unlimited team seats at every tier.
Digits runs its own general ledger with manual journal entries, cash and accrual bases, a cascading period lock that closes a month and every month before it, and department and location dimensions. The company states on its security page that it is SOC 2 Type II compliant. Against that, the help centre states plainly that Digits supports USD only and that multi currency accounting and FX conversion are not supported, and the 93 endpoint API reference and the whole help centre index return no mention of revenue recognition, consolidation, sales tax or inventory.
The firm pricing matrix, as published on 6 September 2026, gave a self paced academy, group office hours and email support at every tier, but marked dedicated support as unavailable for both Solo Practice and Mid sized Firm, reserving it for the Enterprise band at 500 or more clients. Digits has since replaced that matrix with partner only plans at custom pricing, so ask which support level your plan carries. Help pages route to a contact form and to help@digits.com with no published response time and no phone channel. Independent review evidence is close to absent: the Trustpilot profile is claimed but carries zero reviews, and the Capterra listing shows a single review from February 2024.
A real ledger with a best in class agent surface, fenced inside the United States and the dollar.
Written by the Audit Friendly research team. No vendor edits, no sponsored placement.
What a buyer is really acquiring is a ledger of record, not a reporting skin over QuickBooks. Digits began life in 2022 as Digits Reports, a layer that read QuickBooks data, and on 10 March 2025 the founder published the launch of its own general ledger. Today a migration pulls the chart of accounts, historical transactions, journal entries, classes and locations and the accounting impact of invoices and bills out of QuickBooks Online at a chosen cutover date, then archives the QuickBooks connection so it never syncs again and never writes back. The ledger carries real journal entries, cash and accrual bases, a cascading period lock and department and location dimensions, and the automation on top of it is the reason to look: a hosted MCP server at api.digits.com/mcp that any Digits login can connect to Claude, ChatGPT, Cursor or Perplexity without a developer account, and a Connect API with 93 documented endpoints, a sandbox and published rate limits.
The catch is the perimeter around that ledger. Digits states in its own help centre that it supports only businesses legally based in the United States, banking with United States institutions, operating in USD, and that multi currency accounting and FX conversion are not supported. An entity in Digits is a separate business carrying its own plan price, and nothing consolidates across entities. Revenue recognition, sales tax and inventory appear nowhere in the help centre index or the API reference. The accuracy figures the marketing rests on are vendor claimed and gated: the auto booking rate is quoted as over 93 percent in the March 2025 launch post and as 95 percent or better in the 2026 MCP manifest, and the benchmark behind the 21 percent accuracy claim sits behind an email form, so no independent account of it exists. Dedicated support is reserved for firms with 500 or more clients, and the independent review record is close to empty: the Trustpilot profile is claimed with zero reviews and Capterra shows a single review from February 2024.
Three things belong in writing before signing. First, the cutover: migration from QuickBooks Online runs only during initial setup and cannot be added afterwards without starting over, and reconciliation status, reconciliation history, source documents and attachments, payment status and aging history do not come across, so agree in writing which prior periods stay readable in the old system. Second, exit: cancellation is self serve, but the help centre states that access to the data ends when the billing period ends, so agree a data extraction window and confirm that the ledger CSV, the chart of accounts CSV and the financial package cover what an auditor will later ask for. Third, the roadmap items a controller may be counting on, namely non USD support, consolidation across entities, revenue recognition and the budgeting and forecasting promised by the Basis acquisition of June 2024, which still has no page in the current help centre; treat every one of them as absent until it ships.
- United States businesses on USD books that want the bookkeeping and the month end close automated inside the ledger rather than bolted on beside it
- Finance teams that want an AI assistant reading the books directly, through a hosted MCP server that needs no developer account or API key
- Accounting firms leaving QuickBooks that want partner-only per client plans with unlimited team seats (firm pricing is custom and not published)
- Any business outside the United States, banking outside the United States, or reporting in a currency other than USD
- Groups that need consolidated statements across entities, since each business in Digits is its own subscription with no roll up
- Subscription and contract businesses that need revenue recognition under ASC 606, which the help centre and the API reference never mention
The jobs a controller actually hires Digits for
Jobs, mapped to how finance teams actually buy.
Watch the same task in each tool
Forget the 40-row feature grid. Pick a finance workflow and see how this tool and its closest peers actually do it, with our verdict on who wins for whom.
Compare on what matters
What it actually costs
Here's what it really costs: published rates where a vendor lists them, aggregated quote data where they don't, plus a path to your own number.
Live dashboards and financials, invoicing and bill pay, 24/7 AI bookkeeping and reconciliation, Ask Digits, vendor and customer tracking, bank and payroll connections, developer API and MCP, mobile apps. Per business, not per seat. Checked on digits.com/pricing, 6 September 2026.
Everything in Essentials plus dimensional accounting (department and location tracking) and automated schedules (automated schedule detection and entries). Checked on digits.com/pricing, 25 September 2026.
Everything in Core plus custom reports and custom dashboards (drag and drop charts, graphs and KPIs). Listed as Coming soon (not yet on sale), checked on digits.com/pricing, 25 September 2026.
Digits now offers accounting firms access to partner-only plans for each client type, with discounts that grow as the firm grows, and its firm comparison page states that firm pricing is custom. Firms get unlimited team seats, roles and permissions and central billing. Checked 25 September 2026.
An accounting firm can run its own books on Digits at no charge before onboarding clients. Checked on digits.com/pricing, 25 September 2026.
Described as custom outcome based pricing tailored to firm scale, with annual commitments and platform terms. The only firm tier carrying custom model training, dedicated support, guided evaluation, client migration services and in person field training. Checked 6 September 2026.
Firm branding on client logins and reports is marked as an add on for Solo Practice and Mid sized Firm and included at Enterprise. No add on price is published. Checked 6 September 2026.
Digits advertises a free 30 day trial on its accountants and business signup paths. Cancellation is self serve, and the help centre states that access to the data ends when the billing period ends. Checked 6 September 2026.
What it actually takes to go live
The Digits help centre states that Digits is available only to businesses legally based in the United States that use United States financial institutions and operate in USD, and names Canada, the United Kingdom, Australia, Malaysia and the EU as unsupported. All reports, dashboards and financial statements are calculated in USD, and the page answers no to multiple currencies, no to non United States bank accounts and no to international bank feeds even for United States based users. International support is described as on the roadmap with no announced timeline. Checked 6 September 2026.
The migration page carries a warning that QuickBooks migration is available only during initial setup, and that once onboarding is complete it cannot be added without starting over. What does migrate is substantial: chart of accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products. What does not migrate matters for an audit: reconciliation status, reconciliation history, the original invoice and bill documents, attachments and payment status, AR and AP aging history, and most customer and vendor detail beyond the name. The QuickBooks connection is archived at the cutover date and Digits never writes back to it. Checked 6 September 2026.
The Manage Entities help page describes an entity as a single business in an organisation, with the screen offering an overview, team assignment and a jump into each business's own settings. Nothing on that page, in the pricing page or in the 93 endpoint API reference offers a consolidated view, intercompany elimination or a group statement. Business plans are priced per business per month, so a second business is a second bill. A group that needs consolidated statements needs a second tool or a different platform. Checked 6 September 2026.
The firm comparison matrix on the pricing page, as checked on 6 September 2026, marked a self paced academy, group office hours and email support as included at all three firm bands, and marked dedicated support with a dash for both Solo Practice and Mid sized Firm, showing it only for the Enterprise band at 500 or more clients. Guided evaluation, client migration services and in person field training followed the same pattern. By 25 September 2026 the matrix was gone, replaced by partner only plans at custom pricing, so get the support level written into your firm agreement. Help pages route to a contact form and to help@digits.com with no published response time and no phone channel. Independent evidence to weigh support against is close to absent: the Trustpilot profile is claimed with zero reviews and Capterra carries a single review from February 2024. Checked 6 September 2026.
The March 2025 launch post states that Digits correctly auto books over 93 percent of inbound transactions and that in benchmarking trials the AGL outperforms LLM based approaches by over 50 percent. The MCP manifest served from digits.com in 2026 describes the same ledger as auto booking 95 percent or more of transactions. The AGL page adds that Digits is 21 percent more accurate, 1,634 times faster and uses 311 times fewer tokens than a named list of frontier models and outsourced accountants, sourced to a Beyond the AI Hype whitepaper that requires a work email address to download. No independent account of any of these benchmarks was found. Treat all of them as vendor claimed. Checked 6 September 2026.
Scored on what an outside agent can actually reach: the documented API, how it authenticates, and whether the vendor ships an MCP server.
Digits publishes a hosted MCP server at api.digits.com/mcp. An unauthenticated request to that endpoint returned HTTP 401 during this review, confirming a live OAuth gated service rather than a marketing claim. Connection needs nothing but an existing Digits login: no developer account, no app registration and no API key, and the help centre documents setup for Claude, Claude Code, ChatGPT, Cursor and Perplexity.
Ten tools are documented, covering business listing and selection, business users, transaction queries with date, amount, party and category filters, fuzzy name resolution, department, location and category listings, multi dimensional transaction aggregation, and full financial statement generation including profit and loss, balance sheet, cash flow and AR and AP aging with department and location filters.
Digits states that the MCP server is read only and cannot change anything in the account. Writes run through the separate Connect API, which uses OAuth 2.0 authorisation code, publishes 93 reference endpoints, cursor pagination, webhooks, a developer sandbox and a full OpenAPI spec, and limits callers to 180 requests per minute per client id and 60 per access token. Accuracy claims for the underlying ledger are vendor stated: over 93 percent auto booking in the March 2025 launch post, 95 percent or better in the 2026 MCP manifest, with the supporting benchmark behind an email form.
Close the month
Who wins for whom: The most close tooling at a small business price: Digits. Close work split into assignable, signed-off tasks: Puzzle. Already on QuickBooks with a simple close: QuickBooks Online, with the checklist kept in Excel.
Digits
More close tooling than its price. Pulls bank statements automatically, runs continuous quality checks against materiality thresholds, and supports custom close checklists.
Where it loses: No consolidation or multi-currency reporting, and every entity is its own subscription.
- Reporting & close: 76/100
- Time to live: Hours to days
Source: AF score rationale: Reporting & close 76; Digits watch-outs.
Watch: Month-End Close Just Got Easier with Digits 0:54 · CPA firm clip · Anders Virtual CFO on YouTube
QuickBooks Online
A date lock, not a close. Standard statements and a close-the-books date lock, with a custom report builder on the Advanced tier.
Where it loses: No close checklist and no consolidation across company files, so detailed reporting ends up in Excel.
- Reporting & close: 52/100
- Price: $38 to $340/mo
Source: AF score rationale: Reporting & close 52.
Watch: Close Your Books: Month End Close 29:03 · Consultant walkthrough · Fourlane on YouTube
Puzzle
Close as assignable tasks. The close runs as assignable tasks with due dates, a review panel and a logged audit trail of who signed off.
Where it loses: Revenue, expense and payroll subledgers are held back to the Scale tier ($288/mo billed annually), and consolidation happens outside Puzzle, in Joiin.
- Reporting & close: 66/100
- Time to live: Hours to days
Source: AF score rationale: Reporting & close 66; Puzzle watch-outs.
Watch: Puzzle demo: a modern ledger and AI Close in action 9:01 · Official demo · Puzzle on YouTube (official)
Reconcile the bank
Who wins for whom: Statements fetched for you, with materiality checks: Digits. A startup banking with Mercury, Ramp or Brex: Puzzle. The largest app ecosystem around your bank feeds: QuickBooks Online.
Digits
Statements fetched for you. Pulls bank statements automatically through Plaid feeds and runs continuous quality checks against the materiality thresholds you set.
Where it loses: Reconciliation status and history do not come across from QuickBooks Online, and it works in the United States and in dollars only.
- Reporting & close: 76/100
- API & automation: 80/100
Source: AF score rationales: Reporting & close 76, Implementation 72; Digits watch-outs.
No public demo of this task. Ask for a sandbox run into your own system before you sign.
QuickBooks Online
The biggest feed ecosystem. Automatic bank feeds and the largest app ecosystem in small business accounting, on a mature accounting API.
Where it loses: Bank feed and integration matching complaints are common in reviews, and mistakes made early are hard to unwind.
- API & automation: 76/100
- Price: $38 to $340/mo
Source: AF score rationale: API & automation 76; QuickBooks Online watch-outs.
Watch: Do not do this in QuickBooks when adding bank transactions 9:19 · Independent walkthrough · Hector Garcia CPA on YouTube
Puzzle
Deepest with startup banks. AI categorisation on native feeds from Mercury, Ramp, Brex and Stripe plus Plaid banks, with a consistency engine that flags a vendor landing in two categories.
Where it loses: The headline reconciliation figures come from Puzzle's own customer story, and the deepest automation relies on those native feeds rather than any bank.
- API & automation: 71/100
- Price: $24 to $288/mo billed annually
Source: Puzzle banking integrations and automated reconciliation pages, September 2026; AF score rationale: API & automation 71.
Watch: Puzzle 101: real-time financials on an AI-native ledger 57:28 · CPE live demo · Earmark CPE webinar on YouTube
Digits, kept current
Digits FAQ
Digits prices per business, not per seat, so headcount does not move the bill. The pricing page checked on 25 September 2026 lists three business plans: Essentials at 65 dollars per month, Core at 100 dollars per month and Pro at 250 dollars per month, all in United States dollars, with Pro listed as coming soon. A 100 person company would likely sit on Core today, because Core adds dimensional accounting by department and location and automated schedules to the Essentials base; Pro adds custom reports and custom dashboards once it is on sale. Firms buying on behalf of clients get partner-only plans priced per client, and Digits now states that firm pricing is custom rather than publishing a per client grid. A second business is a second subscription at the same list price, because entities do not share a plan.
Business plans are self serve and month to month behind a free 30 day trial, and cancellation happens in the product under Organization Settings and then Subscription; a reason for cancelling is required. The exit risk is what happens next. The help centre states that access continues until the end of the current billing period and that after that access ends and the data can no longer be viewed, so anything needed later has to be pulled before that date. What can be pulled is reasonable: a transaction CSV for any date range, a chart of accounts CSV in the same format as the import template, and a financial package containing the ledger, trial balance, profit and loss, balance sheet, cash flow and AR and AP aging. Full deletion of the data is handled by emailing support rather than by a control in the product. Firms cancel through a separate firm side process, and the Enterprise band carries annual commitments and platform terms rather than month to month billing.
Setup is self serve and measured in hours to days rather than weeks, with no partner required and no implementation fee published. Coming from QuickBooks Online, the migration is built into onboarding: pick Migrate from QuickBooks Online, sign in, set a cutover date, and Digits imports the chart of accounts including inactive accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products. Everything before the cutover date is pulled for historical reference and the QuickBooks connection is then archived; Digits never writes back to QuickBooks. Four things do not migrate and have to be planned around: reconciliation status and reconciliation history, the original invoice and bill documents, attachments and payment status, AR and AP aging history, and most customer and vendor detail beyond the name. Two constraints matter more than the timeline. Migration is available only during initial setup, so a wrong cutover date means starting onboarding over, and Xero, Puzzle and other platforms have no direct sync at all. Digits documents a parallel close so the first month can be run in both systems and compared.
It can read the books unusually well and it cannot write to them. Digits publishes a hosted MCP server at api.digits.com/mcp, which returned HTTP 401 to an unauthenticated request during this review, confirming a live endpoint behind OAuth. Connection uses an ordinary Digits login with no developer account, no app registration and no API key, and the help centre gives setup steps for Claude, Claude Code, ChatGPT, Cursor and Perplexity. Ten tools are documented: listing and selecting businesses, listing business users, querying transactions, fuzzy resolution of customer, vendor, category, department and location names, listing departments, locations and categories, multi dimensional aggregation of transactions, and generating profit and loss, balance sheet, cash flow and AR and AP aging statements with department and location filters. Digits states that the MCP server is read only and cannot change anything in the account. Writing needs the separate Connect API, which uses OAuth 2.0 authorisation code, publishes 93 reference endpoints, a full OpenAPI spec and a developer sandbox, and limits callers to 180 requests per minute per client id and 60 per access token.
Digits alternatives
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