Digits Review
Digits is an AI native accounting platform that runs its own general ledger for United States small businesses, startups and the accounting firms that serve them, with automation aimed at bookkeeping and the month end close.
What a buyer is really acquiring is a ledger of record, not a reporting skin over QuickBooks. Digits began life in 2022 as Digits Reports, a layer that read QuickBooks data, and on 10 March 2025 the founder published the launch of its own general ledger. Today a migration pulls the chart of accounts, historical transactions, journal entries, classes and locations and the accounting impact of invoices and bills out of QuickBooks Online at a chosen cutover date, then archives the QuickBooks connection so it never syncs again and never writes back. The ledger carries real journal entries, cash and accrual bases, a cascading period lock and department and location dimensions, and the automation on top of it is the reason to look: a hosted MCP server at api.digits.com/mcp that any Digits login can connect to Claude, ChatGPT, Cursor or Perplexity without a developer account, and a Connect API with 93 documented endpoints, a sandbox and published rate limits.
The catch is the perimeter around that ledger. Digits states in its own help centre that it supports only businesses legally based in the United States, banking with United States institutions, operating in USD, and that multi currency accounting and FX conversion are not supported. An entity in Digits is a separate business carrying its own plan price, and nothing consolidates across entities. Revenue recognition, sales tax and inventory appear nowhere in the help centre index or the API reference. The accuracy figures the marketing rests on are vendor claimed and gated: the auto booking rate is quoted as over 93 percent in the March 2025 launch post and as 95 percent or better in the 2026 MCP manifest, and the benchmark behind the 21 percent accuracy claim sits behind an email form, so no independent account of it exists. Dedicated support is reserved for firms with 500 or more clients, and the independent review record is close to empty: the Trustpilot profile is claimed with zero reviews and Capterra shows a single review from February 2024.
Three things belong in writing before signing. First, the cutover: migration from QuickBooks Online runs only during initial setup and cannot be added afterwards without starting over, and reconciliation status, reconciliation history, source documents and attachments, payment status and aging history do not come across, so agree in writing which prior periods stay readable in the old system. Second, exit: cancellation is self serve, but the help centre states that access to the data ends when the billing period ends, so agree a data extraction window and confirm that the ledger CSV, the chart of accounts CSV and the financial package cover what an auditor will later ask for. Third, the roadmap items a controller may be counting on, namely non USD support, consolidation across entities, revenue recognition and the budgeting and forecasting promised by the Basis acquisition of June 2024, which still has no page in the current help centre; treat every one of them as absent until it ships.
- ✓Multi-state or multi-jurisdiction payroll where compliance is the real exposure
- ✓Mid-market to enterprise (50 to 1,000+) needing benefits, HR, and audit-ready reporting
- ✓CFOs who want one accountable vendor to absorb tax and penalty risk
- !Cost-sensitive teams under ~25 employees with simple single-state payroll, where Gusto is cheaper
- !Buyers who need all-in pricing transparency upfront
- !Software-first teams wanting native real-time API and GL sync as a core workflow
The jobs a controller actually hires Digits for
Watch the same task in each tool
Forget the 40-row feature grid. Pick a finance workflow and see how ADP, Gusto, and Rippling actually do it, with our verdict on who wins for whom.
Most controls and the deepest audit trail, but the most clicks before money moves.
Fewest steps to approve and run; cleanest for a simple single-state shop.
Most automatable via native API; the workflow can run itself once configured.
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What it actually costs
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What it actually takes to go live
Self serve setup measured in hours to days, with a built in QuickBooks Online migration and a documented parallel close. The difficulty sits in the cutover decision rather than the software: the migration runs only during initial onboarding, and reconciliation status, reconciliation history, source documents, payment status and aging history stay behind in QuickBooks.
The only ledger in this category with a hosted MCP server an ordinary login can connect, and it is read only by design.
Digits publishes a hosted MCP server at api.digits.com/mcp. An unauthenticated request to that endpoint returned HTTP 401 during this review, confirming a live OAuth gated service rather than a marketing claim. Connection needs nothing but an existing Digits login: no developer account, no app registration and no API key, and the help centre documents setup for Claude, Claude Code, ChatGPT, Cursor and Perplexity.
Ten tools are documented, covering business listing and selection, business users, transaction queries with date, amount, party and category filters, fuzzy name resolution, department, location and category listings, multi dimensional transaction aggregation, and full financial statement generation including profit and loss, balance sheet, cash flow and AR and AP aging with department and location filters.
Digits states that the MCP server is read only and cannot change anything in the account. Writes run through the separate Connect API, which uses OAuth 2.0 authorisation code, publishes 93 reference endpoints, cursor pagination, webhooks, a developer sandbox and a full OpenAPI spec, and limits callers to 180 requests per minute per client id and 60 per access token. Accuracy claims for the underlying ledger are vendor stated: over 93 percent auto booking in the March 2025 launch post, 95 percent or better in the 2026 MCP manifest, with the supporting benchmark behind an email form.
The demos that matter, none of the noise
Digits, kept current
Digits FAQ
What does Digits cost for a company with 100 people?
Digits prices per business, not per seat, so headcount does not move the bill. The pricing page checked on 6 September 2026 lists three business plans: Essentials at 65 dollars per month, Core at 100 dollars per month and Pro at 250 dollars per month, all in United States dollars. A 100 person company would sit on Pro, because Pro is the only plan carrying Schedules for depreciation, amortisation and accruals, the Agentic Close, and custom management reporting; Core adds custom dashboards and department and location accounting to the Essentials base. Firms buying on behalf of clients see a different grid, priced per client per month: a Solo Practice up to 50 clients pays 35, 65, 100 or 250 dollars, and a Mid sized Firm above 50 clients pays 50, 115, 185 or 250 dollars. Only the Enterprise band, for firms with 500 or more clients, is quote only and is described as custom outcome based pricing with annual commitments. A second business is a second subscription at the same list price, because entities do not share a plan.
What is the contract, and how hard is it to leave Digits?
Business plans are self serve and month to month behind a free 30 day trial, and cancellation happens in the product under Organization Settings and then Subscription; a reason for cancelling is required. The exit risk is what happens next. The help centre states that access continues until the end of the current billing period and that after that access ends and the data can no longer be viewed, so anything needed later has to be pulled before that date. What can be pulled is reasonable: a transaction CSV for any date range, a chart of accounts CSV in the same format as the import template, and a financial package containing the ledger, trial balance, profit and loss, balance sheet, cash flow and AR and AP aging. Full deletion of the data is handled by emailing support rather than by a control in the product. Firms cancel through a separate firm side process, and the Enterprise band carries annual commitments and platform terms rather than month to month billing.
How long does a Digits implementation take, and what does the QuickBooks migration bring across?
Setup is self serve and measured in hours to days rather than weeks, with no partner required and no implementation fee published. Coming from QuickBooks Online, the migration is built into onboarding: pick Migrate from QuickBooks Online, sign in, set a cutover date, and Digits imports the chart of accounts including inactive accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products. Everything before the cutover date is pulled for historical reference and the QuickBooks connection is then archived; Digits never writes back to QuickBooks. Four things do not migrate and have to be planned around: reconciliation status and reconciliation history, the original invoice and bill documents, attachments and payment status, AR and AP aging history, and most customer and vendor detail beyond the name. Two constraints matter more than the timeline. Migration is available only during initial setup, so a wrong cutover date means starting onboarding over, and Xero, Puzzle and other platforms have no direct sync at all. Digits documents a parallel close so the first month can be run in both systems and compared.
Can an AI agent operate Digits?
It can read the books unusually well and it cannot write to them. Digits publishes a hosted MCP server at api.digits.com/mcp, which returned HTTP 401 to an unauthenticated request during this review, confirming a live endpoint behind OAuth. Connection uses an ordinary Digits login with no developer account, no app registration and no API key, and the help centre gives setup steps for Claude, Claude Code, ChatGPT, Cursor and Perplexity. Ten tools are documented: listing and selecting businesses, listing business users, querying transactions, fuzzy resolution of customer, vendor, category, department and location names, listing departments, locations and categories, multi dimensional aggregation of transactions, and generating profit and loss, balance sheet, cash flow and AR and AP aging statements with department and location filters. Digits states that the MCP server is read only and cannot change anything in the account. Writing needs the separate Connect API, which uses OAuth 2.0 authorisation code, publishes 93 reference endpoints, a full OpenAPI spec and a developer sandbox, and limits callers to 180 requests per minute per client id and 60 per access token.
Digits alternatives
Published pricing from 65 to 250 dollars per month, a hosted MCP server for Claude and ChatGPT, and a built in QuickBooks Online migration. United States and USD only.
Digits Review
Digits is an AI native accounting platform that runs its own general ledger for United States small businesses, startups and the accounting firms that serve them, with automation aimed at bookkeeping and the month end close.
Independently scored across six dimensions. Every dimension is sourced, and we say whether a claim is published, reported, or estimated.
Digits publishes a hosted MCP server at api.digits.com/mcp, which returned HTTP 401 to an unauthenticated request during this review, confirming a live OAuth gated endpoint. The help centre documents ten tools covering transaction queries, dimensional summaries and full financial statements, plus setup paths for Claude, Claude Code, ChatGPT, Cursor and Perplexity with no developer account or API key required. The stated limit is that the MCP server is read only, so an agent can analyse the books but cannot post to them.
The pricing page publishes business plans at 65, 100 and 250 dollars per month and a full firm grid priced per client per month: Solo Practice at 35, 65, 100 and 250 dollars, and Mid sized Firm at 50, 115, 185 and 250 dollars, alongside a feature matrix showing which agents and close features each tier carries. Only the Enterprise band for 500 or more clients is quote only, described as custom outcome based pricing with annual commitments, and firm branding is listed as an unpriced add on below Enterprise.
The Connect API documentation index lists 93 reference endpoints covering transactions, parties, invoices and bills, chart of accounts, financial statements, aggregations, client entities and a bill approval and payment workflow, with OAuth 2.0 authorisation code, cursor pagination, webhooks, a developer sandbox and a full OpenAPI spec. Rate limits are published at 180 requests per minute per client id and 60 per access token, and the vendor states there are no partner fees or marketplace restrictions. The marketplace is the weak spot: nine named native integrations plus bank feeds through Plaid.
Digits produces profit and loss, balance sheet, cash flow, trial balance and AR and AP aging from the live ledger, exports them as a single financial package, and cuts reports by department and location. The Agentic Close product page describes auto fetched bank statements, continuous quality control with configurable materiality thresholds and custom checklists, which is more close tooling than most products in this price band carry. Consolidation and multi currency reporting are absent, and the Basis FP&A acquisition of June 2024 has produced no budgeting or forecasting page in the current help centre.
Setup is self serve behind a free 30 day trial, and the QuickBooks Online migration is built in: the help centre lists chart of accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products as migrating automatically at a chosen cutover date. Two constraints hold the score down. Migration runs only during initial setup and cannot be added later without starting over, and reconciliation status, reconciliation history, source documents and aging history do not travel.
The availability page limits Digits to businesses legally based in the United States that bank with United States institutions and operate in USD, and names Canada, the United Kingdom, Australia, Malaysia and the EU as unsupported. Entities in Digits are separate businesses inside one organisation, each carrying its own plan price, with no consolidated view across them. Firm side capacity is real: the pricing page runs firm tiers up to an Enterprise band for 500 or more clients and grants unlimited team seats at every tier.
A real ledger with a best in class agent surface, fenced inside the United States and the dollar.
Written by the Audit Friendly research team. No vendor edits, no sponsored placement.
What a buyer is really acquiring is a ledger of record, not a reporting skin over QuickBooks. Digits began life in 2022 as Digits Reports, a layer that read QuickBooks data, and on 10 March 2025 the founder published the launch of its own general ledger. Today a migration pulls the chart of accounts, historical transactions, journal entries, classes and locations and the accounting impact of invoices and bills out of QuickBooks Online at a chosen cutover date, then archives the QuickBooks connection so it never syncs again and never writes back. The ledger carries real journal entries, cash and accrual bases, a cascading period lock and department and location dimensions, and the automation on top of it is the reason to look: a hosted MCP server at api.digits.com/mcp that any Digits login can connect to Claude, ChatGPT, Cursor or Perplexity without a developer account, and a Connect API with 93 documented endpoints, a sandbox and published rate limits.
The catch is the perimeter around that ledger. Digits states in its own help centre that it supports only businesses legally based in the United States, banking with United States institutions, operating in USD, and that multi currency accounting and FX conversion are not supported. An entity in Digits is a separate business carrying its own plan price, and nothing consolidates across entities. Revenue recognition, sales tax and inventory appear nowhere in the help centre index or the API reference. The accuracy figures the marketing rests on are vendor claimed and gated: the auto booking rate is quoted as over 93 percent in the March 2025 launch post and as 95 percent or better in the 2026 MCP manifest, and the benchmark behind the 21 percent accuracy claim sits behind an email form, so no independent account of it exists. Dedicated support is reserved for firms with 500 or more clients, and the independent review record is close to empty: the Trustpilot profile is claimed with zero reviews and Capterra shows a single review from February 2024.
Three things belong in writing before signing. First, the cutover: migration from QuickBooks Online runs only during initial setup and cannot be added afterwards without starting over, and reconciliation status, reconciliation history, source documents and attachments, payment status and aging history do not come across, so agree in writing which prior periods stay readable in the old system. Second, exit: cancellation is self serve, but the help centre states that access to the data ends when the billing period ends, so agree a data extraction window and confirm that the ledger CSV, the chart of accounts CSV and the financial package cover what an auditor will later ask for. Third, the roadmap items a controller may be counting on, namely non USD support, consolidation across entities, revenue recognition and the budgeting and forecasting promised by the Basis acquisition of June 2024, which still has no page in the current help centre; treat every one of them as absent until it ships.
- United States businesses on USD books that want the bookkeeping and the month end close automated inside the ledger rather than bolted on beside it
- Finance teams that want an AI assistant reading the books directly, through a hosted MCP server that needs no developer account or API key
- Accounting firms leaving QuickBooks whose clients fit a flat 35 to 250 dollars per client per month, with unlimited team seats at every tier
- Any business outside the United States, banking outside the United States, or reporting in a currency other than USD
- Groups that need consolidated statements across entities, since each business in Digits is its own subscription with no roll up
- Subscription and contract businesses that need revenue recognition under ASC 606, which the help centre and the API reference never mention
The jobs a controller actually hires Digits for
Six jobs, each with the two-minute clip that shows it. Hover a card to preview, click to watch.
Watch the same task in each tool
Forget the 40-row feature grid. Pick a finance workflow and see how Workiva, BlackLine, and FloQast actually do it, with our verdict on who wins for whom.
Linked numbers, native iXBRL, and EDGAR submission in one document. Most setup up front, least tie-out work at deadline.
Governs the close and the numbers feeding the filing, but has no SEC document or XBRL layer. You still export to a printer or Workiva.
Keeps the Excel workpapers your team already built and layers checklist and review on top. Fastest to stand up, thinnest on filing.
Compare on what matters
What it actually costs
Here's what it really costs: published rates where a vendor lists them, aggregated quote data where they don't, plus a path to your own number.
Live dashboards and financials, invoicing and bill pay, 24/7 AI bookkeeping and reconciliation, Ask Digits, vendor and customer tracking, bank and payroll connections, developer API and MCP, mobile apps. Per business, not per seat. Checked on digits.com/pricing, 6 September 2026.
Everything in Essentials plus custom drag and drop dashboards and dimensional accounting, meaning financials and reporting by department or location. Checked on digits.com/pricing, 6 September 2026.
Everything in Core plus Schedules for depreciation, amortisation and accrual entries posted to the ledger, the Agentic Close with auto fetched statements and custom checklists, and custom management reporting. Listed with a Contact Sales button rather than self signup. Checked on digits.com/pricing, 6 September 2026.
Starter 35, Essentials 65, Core 100 and Pro 250 dollars per client per month. Includes practice management, unlimited team seats, the bookkeeper, researcher, reconciliation and quality review agents, and Ask Digits. Excludes the firm model, custom model training, the Agentic Close bundle and dedicated support. Checked 6 September 2026.
Starter Plus 50, Essentials Plus 115, Core Plus 185 and Pro 250 dollars per client per month. Adds the firm model, the accrual schedule agent, the advanced quality review agent, auto fetched statements, scheduled reporting packages and AI performance analytics. Dedicated support is still excluded. Checked 6 September 2026.
Described as custom outcome based pricing tailored to firm scale, with annual commitments and platform terms. The only firm tier carrying custom model training, dedicated support, guided evaluation, client migration services and in person field training. Checked 6 September 2026.
What it actually takes to go live
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SEC reporting manager or controller as owner, technical accounting for disclosures and tagging decisions, the SOX or internal audit lead for controls solutions, the sustainability controller for ESG scope, light IT involvement for SSO and data connectors, Workiva customer success plus its Professional Services team, and often an advisory partner (the Big 4 and firms like Riveron implement on Workiva; Deloitte has built CSRD compliance solutions on the platform).
The Digits help centre states that Digits is available only to businesses legally based in the United States that use United States financial institutions and operate in USD, and names Canada, the United Kingdom, Australia, Malaysia and the EU as unsupported. All reports, dashboards and financial statements are calculated in USD, and the page answers no to multiple currencies, no to non United States bank accounts and no to international bank feeds even for United States based users. International support is described as on the roadmap with no announced timeline. Checked 6 September 2026.
The migration page carries a warning that QuickBooks migration is available only during initial setup, and that once onboarding is complete it cannot be added without starting over. What does migrate is substantial: chart of accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products. What does not migrate matters for an audit: reconciliation status, reconciliation history, the original invoice and bill documents, attachments and payment status, AR and AP aging history, and most customer and vendor detail beyond the name. The QuickBooks connection is archived at the cutover date and Digits never writes back to it. Checked 6 September 2026.
The Manage Entities help page describes an entity as a single business in an organisation, with the screen offering an overview, team assignment and a jump into each business's own settings. Nothing on that page, in the pricing page or in the 93 endpoint API reference offers a consolidated view, intercompany elimination or a group statement. The pricing page prices firm plans per client per month, which is the same shape: a second business is a second bill. A group that needs consolidated statements needs a second tool or a different platform. Checked 6 September 2026.
The firm comparison matrix on the pricing page marks a self paced academy, group office hours and email support as included at all three firm bands, and marks dedicated support with a dash for both Solo Practice and Mid sized Firm, showing it only for the Enterprise band at 500 or more clients. Guided evaluation, client migration services and in person field training follow the same pattern. Help pages route to a contact form and to help@digits.com with no published response time and no phone channel. Independent evidence to weigh support against is close to absent: the Trustpilot profile is claimed with zero reviews and Capterra carries a single review from February 2024. Checked 6 September 2026.
The March 2025 launch post states that Digits correctly auto books over 93 percent of inbound transactions and that in benchmarking trials the AGL outperforms LLM based approaches by over 50 percent. The MCP manifest served from digits.com in 2026 describes the same ledger as auto booking 95 percent or more of transactions. The AGL page adds that Digits is 21 percent more accurate, 1,634 times faster and uses 311 times fewer tokens than a named list of frontier models and outsourced accountants, sourced to a Beyond the AI Hype whitepaper that requires a work email address to download. No independent account of any of these benchmarks was found. Treat all of them as vendor claimed. Checked 6 September 2026.
Governed AI is strong inside the platform; the external agent surface is real REST APIs plus an MCP gateway that is announced but not yet self serve.
Digits publishes a hosted MCP server at api.digits.com/mcp. An unauthenticated request to that endpoint returned HTTP 401 during this review, confirming a live OAuth gated service rather than a marketing claim. Connection needs nothing but an existing Digits login: no developer account, no app registration and no API key, and the help centre documents setup for Claude, Claude Code, ChatGPT, Cursor and Perplexity.
Ten tools are documented, covering business listing and selection, business users, transaction queries with date, amount, party and category filters, fuzzy name resolution, department, location and category listings, multi dimensional transaction aggregation, and full financial statement generation including profit and loss, balance sheet, cash flow and AR and AP aging with department and location filters.
Digits states that the MCP server is read only and cannot change anything in the account. Writes run through the separate Connect API, which uses OAuth 2.0 authorisation code, publishes 93 reference endpoints, cursor pagination, webhooks, a developer sandbox and a full OpenAPI spec, and limits callers to 180 requests per minute per client id and 60 per access token. Accuracy claims for the underlying ledger are vendor stated: over 93 percent auto booking in the March 2025 launch post, 95 percent or better in the 2026 MCP manifest, with the supporting benchmark behind an email form.
Digits, kept current
Digits FAQ
Digits prices per business, not per seat, so headcount does not move the bill. The pricing page checked on 6 September 2026 lists three business plans: Essentials at 65 dollars per month, Core at 100 dollars per month and Pro at 250 dollars per month, all in United States dollars. A 100 person company would sit on Pro, because Pro is the only plan carrying Schedules for depreciation, amortisation and accruals, the Agentic Close, and custom management reporting; Core adds custom dashboards and department and location accounting to the Essentials base. Firms buying on behalf of clients see a different grid, priced per client per month: a Solo Practice up to 50 clients pays 35, 65, 100 or 250 dollars, and a Mid sized Firm above 50 clients pays 50, 115, 185 or 250 dollars. Only the Enterprise band, for firms with 500 or more clients, is quote only and is described as custom outcome based pricing with annual commitments. A second business is a second subscription at the same list price, because entities do not share a plan.
Business plans are self serve and month to month behind a free 30 day trial, and cancellation happens in the product under Organization Settings and then Subscription; a reason for cancelling is required. The exit risk is what happens next. The help centre states that access continues until the end of the current billing period and that after that access ends and the data can no longer be viewed, so anything needed later has to be pulled before that date. What can be pulled is reasonable: a transaction CSV for any date range, a chart of accounts CSV in the same format as the import template, and a financial package containing the ledger, trial balance, profit and loss, balance sheet, cash flow and AR and AP aging. Full deletion of the data is handled by emailing support rather than by a control in the product. Firms cancel through a separate firm side process, and the Enterprise band carries annual commitments and platform terms rather than month to month billing.
Setup is self serve and measured in hours to days rather than weeks, with no partner required and no implementation fee published. Coming from QuickBooks Online, the migration is built into onboarding: pick Migrate from QuickBooks Online, sign in, set a cutover date, and Digits imports the chart of accounts including inactive accounts, historical transactions, journal entries, classes and locations, the accounting impact of invoices and bills, customers, vendors and products. Everything before the cutover date is pulled for historical reference and the QuickBooks connection is then archived; Digits never writes back to QuickBooks. Four things do not migrate and have to be planned around: reconciliation status and reconciliation history, the original invoice and bill documents, attachments and payment status, AR and AP aging history, and most customer and vendor detail beyond the name. Two constraints matter more than the timeline. Migration is available only during initial setup, so a wrong cutover date means starting onboarding over, and Xero, Puzzle and other platforms have no direct sync at all. Digits documents a parallel close so the first month can be run in both systems and compared.
It can read the books unusually well and it cannot write to them. Digits publishes a hosted MCP server at api.digits.com/mcp, which returned HTTP 401 to an unauthenticated request during this review, confirming a live endpoint behind OAuth. Connection uses an ordinary Digits login with no developer account, no app registration and no API key, and the help centre gives setup steps for Claude, Claude Code, ChatGPT, Cursor and Perplexity. Ten tools are documented: listing and selecting businesses, listing business users, querying transactions, fuzzy resolution of customer, vendor, category, department and location names, listing departments, locations and categories, multi dimensional aggregation of transactions, and generating profit and loss, balance sheet, cash flow and AR and AP aging statements with department and location filters. Digits states that the MCP server is read only and cannot change anything in the account. Writing needs the separate Connect API, which uses OAuth 2.0 authorisation code, publishes 93 reference endpoints, a full OpenAPI spec and a developer sandbox, and limits callers to 180 requests per minute per client id and 60 per access token.
Digits alternatives
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