# Digits review (2026): is it worth $65 a month? > AI-native general ledger with bookkeeping, bill pay and invoicing Checked Nov 12, 2026 ยท graded Nov 12, 2026 by ToolGPA. 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. - **Category:** Accounting & Invoicing - **Made by:** Digits - **Website:** https://digits.com - **Runs on:** Web, iOS - **Who should skip it:** Pricey if you're a freelancer: $65 a month is the starting price, with no free plan. - **Facts last checked:** Nov 12, 2026 ## Pricing As of Nov 12, 2026, Digits is a paid product with a free trial, starting at $65 per month. - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 30-day free trial. | Plan | Price | What you get | | --- | --- | --- | | 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. | Read from https://digits.com/pricing/ on Nov 12, 2026. Prices change, so confirm with Digits before buying. ## 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. ## Good for - Startups that want AI coding of transactions without per-seat fees - Owners who want bill pay and invoicing inside the ledger - Companies with several entities and an outside accountant ## 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. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 12, 2026. 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. - **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. - **Free plan and trial: C.** A 30-day free trial, and the pages we read don't say whether a card is needed. No free plan. - **Features: B.** AI 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. - **Ease of use: C.** No store rating on record. You connect your accounts and review what the AI books before you rely on it. - **Platforms and integrations: B.** Web and iPhone, with a developer API and MCP. No Android or desktop app listed. These are ToolGPA's own grades. 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. ## Where it 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. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, 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. - You could make: Invoicing and reports: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: Money moved between bank accounts, which takes a licensed payments partner. - You could not: Connections that pull numbers from dozens of other services. - You could not: A real app for iOS. Something home-made would be a web page. - You could not: An API that other software can build on. - You could not: AI features, unless you pay a model provider for each request yourself. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. **Tags:** Bookkeeping, AI features, Invoicing, Bill pay, Reports, Dashboards, Public API ## Alternatives - [Puzzle](https://toolgpa.com/tools/puzzle): AI-driven accounting software for startups and small businesses. [Compare](https://toolgpa.com/compare/digits-vs-puzzle) - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/digits-vs-quickbooks) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/digits-vs-xero) - [Pennylane](https://toolgpa.com/tools/pennylane): French accounting, invoicing and business account in one app. [Compare](https://toolgpa.com/compare/digits-vs-pennylane) - [Bench](https://toolgpa.com/tools/bench): Bookkeeping done by an assigned bookkeeper, with optional tax filing. [Compare](https://toolgpa.com/compare/bench-vs-digits) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://digits.com/pricing/ - https://digits.com Page: https://toolgpa.com/tools/digits Listed by ToolGPA (toolgpa.com).