Digits review (2026): is it worth $65 a month?
AI-native general ledger with bookkeeping, bill pay and invoicing
Black Friday: is there a Digits sale?
Digits report card
Fair · out of 4.0 · graded Nov 12, 2026
Best for AI-run books for startups
Digits is an AI-driven general ledger with bookkeeping, bill pay and invoicing, from $65 a month. That's a dear start for the category, dimensional accounting waits until $100 and budget against actuals until $250, and full accounting and tax work go through partner firms.
Who Digits is for
- 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
Who Digits is not for
- 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
Why Digits gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- DValue for money$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.
- CFree plan and trialA 30-day free trial, and the pages we read don't say whether a card is needed. No free plan.
- BFeaturesAI 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.
- CEase of useNo store rating on record. You connect your accounts and review what the AI books before you rely on it.
- BPlatforms and integrationsWeb and iPhone, with a developer API and MCP. No Android or desktop app listed.
What these grades rest on. Graded from this listing, whose facts were read from Digits's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/digits#review"><img src="https://toolgpa.com/badge/digits.svg" alt="Digits: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where Digits stands among accounting and invoicing tools
Digits's GPA of 2.2 is higher than 22 of the 65 other accounting and invoicing tools we grade, and level with 15.
It stands best on features (B, above 51 of 65) and worst on value for money (D, above 0).
Its paid plans start at $65 a month, against a middle price of $18.09 for the category: 49 of the 54 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 6 tools score higher and cost less.
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. Digits’s own letter is outlined.
- DValue for moneyAbove 0 of 65, level with 12
- CFree plan and trialAbove 15 of 65, level with 34
- BFeaturesAbove 51 of 65, level with 14
- CEase of useAbove 1 of 65, level with 56
- BPlatforms and integrationsAbove 13 of 65, level with 46
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep Digits, or make your own?
Keep it
To replace Digits you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one.
It costs $780 a year.
What you could make
- Invoicing and reports: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- Money moved between bank accounts, which takes a licensed payments partner.
- Connections that pull numbers from dozens of other services.
- A real app for iOS. Something home-made would be a web page.
- An API that other software can build on.
- AI features, unless you pay a model provider for each request yourself.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Digits’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Digits?
Digits is an accounting system for business owners and accountants that uses AI models to code transactions and keep books reconciled. It adds a month-end close workflow, bill pay, invoicing and live financial reports. Three flat monthly plans have no per-seat fees, and iPhone and iPad apps are available.
Worth knowing
- 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.
Key features
- 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.
Digits pricing
As of Nov 12, 2026, Digits is a paid product with a free trial, starting at $65 per month.
- Starts at
- $65 per month
- Free plan
- None
- Free trial
- 30-day free trial
| Plan | Price | What you get |
|---|---|---|
| Essentials | $65per month; billing basis not stated, no per-seat fees | For solopreneurs and early-stage businesses: core ledger, AI bookkeeping, bill pay and invoicing. |
| Core | $100per month; billing basis not stated, no per-seat fees | Adds dimensional accounting for departments and locations, and automated schedules. |
| Pro | $250per month; billing basis not stated, no per-seat fees | Adds custom reports, custom dashboards and budget vs. actuals. |
Read from digits.com on Nov 12, 2026. Prices change, so confirm with Digits before you buy.
Digits alternatives
- Digits vs Puzzle
Free trial · from $25/mo
- Digits vs QuickBooks Online
Free plan · from $38/mo
- Digits vs Xero
Free trial · from $27/mo
- Digits vs Pennylane
Free trial · from €7/mo
- Digits vs Bench
From $199/mo
Common questions
Does Digits have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. Digits is listed for Web and iOS.
Does Digits have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Digits is listed for Web and iOS.
Is Digits open source?
Digits is not described as open source on its own site, as read on Nov 12, 2026.
Does Digits have an API?
Yes. Digits offers a public API, according to its own site.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 12, 2026.