Digits review

Digits is a ledger built around automation: the vendor describes it as books that keep themselves, with AI categorizing and reconciling transactions around the clock from more than 12,000 connected banks, cards and payroll providers. For a startup that means the profit and loss, balance sheet and cash flow statement are current on any day a board member asks. Essentials at $65 per month includes the core ledger, bill pay, invoicing, quality checks, a vault for statements and contracts, and a developer API with MCP access. Core at $100 adds department and location tracking and automated schedules for accruals, the features that matter once you need accrual-basis books. Multi-entity is a strong point: each extra entity is free up to 250 transactions per year. The gaps are budget vs. actuals and custom dashboards, which sit on a Pro plan marked coming soon or are limited to partner firms, so finance-heavy startups may still export to a spreadsheet.

Who it is for

Startups that want self-updating books and investor-ready reports, with or without an outside accountant.

Price

Essentials $65 per month, Core $100, Pro $250 (coming soon); 30-day free trial.

Essentials $65 /mo Solopreneurs and early-stage businesses
Quoted from the vendor pricing page on November 10, 2026.

Key features

• 24/7 AI bookkeeping and reconciliation
• Connections to 12,000+ banks, cards and payroll providers
• Multi-entity with separate books under one login
• Department and location tracking plus automated schedules on Core
• Developer API and MCP access on every plan

Strengths and weaknesses

• Strength: Profit and loss, balance sheet and cash flow stay current
• Strength: Extra entities are free up to 250 transactions per year
• Strength: No per-user charges for firms working in client books
• Weakness: Budget vs. actuals is only on the Pro plan, which is not yet available
• Weakness: Dimensional accounting and automated schedules start at Core
• Weakness: Higher entry price than QuickBooks Simple Start or Xero Early

Key facts

• Essentials: $65 per month
• Core: $100 per month
• Extra entities: Free up to 250 transactions per year, then from $35 per month
• Free trial: 30 days

Where it ranks

Digits is No. 2 in our Best Accounting Software for Startups verdict.