Digits vs Kick (2026): which should you pick?
As of Nov 13, 2026, Digits and Kick share a 2.2 GPA, and only Kick has a free plan.
Checked Nov 12, 2026 and Nov 13, 2026 · graded Nov 12, 2026 and Nov 13, 2026 by ToolGPA
Digits grades higher on features. Kick grades higher on value for money. They get the same grade on the free plan, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Digits
AI-native general ledger with bookkeeping, bill pay and invoicing
Kick
AI bookkeeping ledger for businesses and accounting firms
Which one is for you
Pick Digits if
- Fits if you run a startup and want AI to categorize transactions in a real general ledger
- Makes sense if you want an API or MCP on your books
Look elsewhere if
- Pricey if you're a freelancer: $65 a month is the starting price, with no free plan
- Skip it if you need budget against actuals, as that's Pro at $250 a month
- Watch out: extra entities start at $35 a month
- Watch out: full-service accounting, CFO and tax work come through partner firms and aren't in the plans
- Not for you if you want an Android or desktop app
Pick Kick if
- Fits if you are a new business with few transactions
- Works for sole proprietors who want the free P&L and balance sheet
Look elsewhere if
- Tight if you pass 250 categorised transactions a year, the end of the free plan
- Pricey if you need an accrual ledger: Plus is $100 a month
- Skip it if you need consolidation, which is Advanced at $300 a month
- Watch out: the page shows one billing term per plan, so monthly Basic and Plus prices aren't listed
How we grade them
| 2.2GPADigitsFair | 2.2GPAKickFair | |
|---|---|---|
| Value for money | D$65 a month for Essentials, $100 for Core and $250 for Pro, against $26 in the middle for this category. The page doesn't say whether annual billing changes it. | CBasic is $40 a month on yearly billing, at the edge of what the category's dearer quarter charges. Accrual and multi-entity sit on Plus at $100. |
| Free plan and trial | CA 30-day free trial, and the pages we read don't say whether a card is needed. No free plan. | CA free plan with 250 categorised transactions a year. That cap is easy to reach, and the P&L and balance sheet come with it. |
| Features | BAI bookkeeping, month-end close, bill pay, invoicing, reports and multi-entity books, with an API and MCP. The listing's only limits are plan gates, such as budgets on Pro. | CAI categorisation, reconciliation, statement sync, invoicing and bill pay. Multi-entity, classes and an accrual ledger are held back for Plus, so the core ledger work has a gap on cheaper plans. |
| Ease of use | CNo store rating on record. You connect your accounts and review what the AI books before you rely on it. | CNo store rating on record, and you connect bank and card accounts first. |
| Platforms and integrations | BWeb and iPhone, with a developer API and MCP. No Android or desktop app listed. | BWeb only, with Stripe, PayPal, Mercury, Plaid, Ramp, Gusto, Claude and ChatGPT. |
| Best for | AI-run books for startups | a small business that wants AI to categorise transactions |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Digits and Kick. How we grade
Price against what you get
Digits starts at $65 a month and scores 2.7 out of 4 on features, ease of use and platforms. Kick starts at $40 a month and scores 2.3.
Digits scores higher, and starts $25 a month higher: the question is whether the extra is worth that to you. Of the other accounting and invoicing tools on the chart, 7 score higher than Digits for less, and 26 score higher than Kick for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Digits also covers dashboards.
- Kick also covers workflow automation.
At a glance
| Digits | Kick | |
|---|---|---|
| Pricing | Free trial | Free plan |
| Starts at | $65 per month | $40 per month, billed annually ($480) |
| Free plan | None | Auto categorization limited to 250 transactions a year, receipt matching, profit and loss and balance sheet. |
| Free trial | 30-day free trial | None listed |
| Web | ||
| iOS | ||
| Made by | Digits | Kick |
| Price read from | digits.com | kick.co |
| Checked | Nov 12, 2026 | Nov 13, 2026 |
Worth knowing
Digits
- The pricing page states monthly prices but not whether annual billing changes them.
- Dimensional accounting and automated schedules start at Core; budget vs. actuals only on Pro.
- Extra entities beyond the free 250 transactions a year start at $35 a month.
- Full-service accounting, CFO and tax work are sold through partner firms, not in the plans.
Kick
- The free plan stops at 250 categorized transactions a year.
- Multi-entity, classes and an accrual ledger need Plus, and consolidation needs Advanced.
- The page shows one billing term per plan, so monthly-billed prices for Basic and Plus are not listed.
- Firm pricing is separate and charged per client, with 10% off for 1 to 19 clients and 50% off for 20 or more.
Key features
Digits
- AI bookkeeping
- AI models code incoming transactions from connected banks, cards and payroll, with checks that each one is coded and documented.
- Agentic month-end close
- A close workflow and checklist for finishing the month, with automated schedules for accruals from the Core plan.
- Bill pay and invoicing
- Drag, drop, approve and pay bills, and create invoices, on every plan.
- Reports and dashboards
- Live profit and loss, balance sheet and cash flow; custom reports and dashboards arrive on Pro.
- Multi-entity books
- Several entities under one login with separate books; extra entities are free up to 250 transactions a year.
- Developer API and MCP
- An API and MCP connection to the ledger is included on all plans.
Kick
- AI categorization
- Categorizes transactions automatically and matches receipts. The free plan caps categorization at 250 transactions a year.
- Reconciliation and statement sync
- Reconciles accounts and syncs statements from Basic upward, with a universal importer for existing data.
- Multi-entity and consolidation
- Plus adds multi-entity and classes; Advanced adds consolidated reporting across entities and revenue recognition.
- Invoicing and bill pay
- The product menu includes invoicing and bill pay, with AR/AP automation listed from the Plus plan.
- Connections and AI assistants
- Connects to Stripe, PayPal, Mercury, Plaid, Ramp and Gusto, and works with ChatGPT, Claude and Cursor through MCP or the command line.
- Accountant tools
- Firms get a free firm account, per-client pricing, task and review workflows, and chart of accounts templates.
Plans
Digits
Essentials$65
per month; billing basis not stated, no per-seat fees
For solopreneurs and early-stage businesses: core ledger, AI bookkeeping, bill pay and invoicing.
Core$100
per month; billing basis not stated, no per-seat fees
Adds dimensional accounting for departments and locations, and automated schedules.
Pro$250
per month; billing basis not stated, no per-seat fees
Adds custom reports, custom dashboards and budget vs. actuals.
Kick
Free$0
For new businesses and sole proprietors; 250 categorized transactions a year.
Basic$40
per month, billed annually ($480)
Unlimited categorization, reconciliation, statement sync, a universal importer and MCP/CLI access.
Plus$100
per month, billed quarterly ($300)
Adds multi-entity support, classes, AR/AP automation and an accrual ledger.
Advanced$300
per month, billed monthly
Adds consolidation and revenue recognition; prepaid and accrued and multi-book are in beta.
Common questions
Which is cheaper, Digits or Kick?
As of Nov 13, 2026, Kick is cheaper to start with: $40 a month, against $65 a month for Digits. Digits starts at $65 per month, and Kick starts at $40 per month, billed annually ($480).
Which has a free plan, Digits or Kick?
As of Nov 13, 2026, only Kick has a free plan. Digits does not, though it has a free trial.
Which platforms do Digits and Kick run on?
As of Nov 13, 2026, only Digits lists an iOS app. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.