The Digits Insider’s Guide
Everything we know about Digits in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Digits
The Insider’s Guide
AI-native general ledger with bookkeeping, bill pay and invoicing
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Digits’s own pages.
Made by Digits · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Digits’s own pages, its app-store listings and our grades. Every fact in it is on Digits’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 22 of the 65 other accounting and invoicing tools we grade
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.
To get you started, here are 9 things to know about Digits, taken from its own pages and our grades.
You connect your accounts and review what the AI books before you rely on it.
- 1
Best for AI-run books for startups
Digits is an AI-driven general ledger with bookkeeping, bill pay and invoicing, from $65 a month.
- 2
Paid plans start at $65 a month
As its pricing page puts it: $65 per month.
- 3
You can try it first
30-day free trial
- 4
It runs on 2 platforms
Web and iOS.
- 5
AI bookkeeping
AI models code incoming transactions from connected banks, cards and payroll, with checks that each one is coded and documented.
- 6
Agentic month-end close
A close workflow and checklist for finishing the month, with automated schedules for accruals from the Core plan.
- 7
Bill pay and invoicing
Drag, drop, approve and pay bills, and create invoices, on every plan.
- 8
A 2.2 GPA, above 22 of 65
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Digits at a glance
- Pricing
- Free trial, from $65 per month
- Free plan
- No
- Free trial
- 30-day free trial
- Runs on
- Web, iOS
- Made by
- Digits
- Category
- Accounting & Invoicing
- Our grade
- 2.2 GPA, fair
The report card
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
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 it 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$65
A month to start
Digits is a paid product with a free trial, starting at $65 per month.
The page doesn't say whether annual billing changes it.
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.
Trying it first
30-day free trial
Read from digits.com on Nov 12, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
2
Places it runs: Web and iOS
AI-native general ledger with bookkeeping, bill pay and invoicing. Here is what it does, as its own site describes it, and what it covers: public API, AI features, invoicing, reports, bookkeeping, bill pay, dashboards.
AI bookkeeping, month-end close, bill pay, invoicing, reports and multi-entity books, with an API and MCP.
- 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.
Where it runs
- Web
- iOS
What it works with
Its own pages name no integrations.
Digits is made by Digits.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
22/65
Other accounting and invoicing tools it is graded above
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
- CFree plan and trialAbove 15 of 65
- BFeaturesAbove 51 of 65
- CEase of useAbove 1 of 65
- BPlatforms and integrationsAbove 13 of 65
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Digits is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Puzzle, QuickBooks Online, Xero, Pennylane and Bench
The 5 tools Digits is most often weighed against, with where each one differs from it.
- 2.0GPA
Puzzle
Free trial · from $25/mo
AI-driven accounting software for startups and small businesses.
- Only Digits lists an iOS app.
- Digits also covers bill pay and dashboards.
- Puzzle also covers expense tracking.
- 2.4GPA
QuickBooks Online
Free plan · from $38/mo
Cloud accounting from Intuit, from a free plan to 25-user Advanced.
- QuickBooks Online has a free plan. Digits does not, though it has a free trial.
- Only QuickBooks Online lists an Android app.
- Digits also covers bill pay and dashboards.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- Only Xero lists an Android app.
- Digits also covers bill pay and dashboards.
- Xero also covers expense tracking and payroll.
- 2.0GPA
Pennylane
Free trial · from €7/mo
French accounting, invoicing and business account in one app.
- Only Pennylane lists an Android app.
- Digits also covers dashboards.
- Pennylane also covers expense tracking and company cards.
- 1.6GPA
Bench
From $199/mo
Bookkeeping done by an assigned bookkeeper, with optional tax filing.
- Only Digits lists an iOS app.
- Digits also covers invoicing, bill pay and dashboards.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
12
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Digits free?
No, Digits is a paid product, but you can try it first. 30-day free trial.
How much does Digits cost?
Digits lists 3 plans. Essentials: $65 per month; billing basis not stated, no per-seat fees.
What platforms does Digits work on?
Digits is available on Web and iOS.
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.
Who makes Digits?
Digits is made by a company of the same name.
What are the alternatives to Digits?
The closest alternatives to Digits in our directory are Puzzle, QuickBooks Online, Xero, Pennylane and Bench.
How does Digits compare with other 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.
Is Digits good value for money?
ToolGPA grades Digits D for value for money. 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.
Could I make my own version of Digits?
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.
Where this guide comes from
The prices, plans, platforms and features were read from Digits’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Digits. Prices change, so check digits.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Digits, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/digits
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Digits: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/digits
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/digits/guide
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See our other guides
The best-graded accounting and invoicing tools after Digits, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 67 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Digits’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Digits is a trademark of its owner, and this guide is not made, paid for or approved by Digits. Prices and plans change: check digits.com before you buy.