Digits

Digits is a cloud-based AI-native general ledger that aims to replace QuickBooks and Xero rather than sit on top of them. The Autonomous General Ledger handles transaction categorisation, bank reconciliation, and the journey through to financial statements with very little human touch. The product evolved from a QuickBooks overlay into a full standalone ledger over the past year.

The standout architecture is a three-layer model. Transactions are categorised first against the client's own history, then against the firm's history (for partner-program firms), then against patterns learned across all Digits users. There are no bank rules to write. The system learns from confirmed transactions instead, which means new clients get smarter the longer the books run.

SMB pricing starts at $65 per month for Essentials, which covers live P&L, balance sheet, cash flow, AI bookkeeping, and banking and payroll integrations across 12,000+ institutions. Core at $100 per month adds revenue and spend integrations including Stripe, Ramp, and BILL, plus dimensional accounting by department or location. Advanced is in early access for multi-entity and multi-currency clients with consolidated financials.

The Accountant Partner Program is a separate gate. Firms managing 50 or more clients on Digits get wholesale pricing, free Digits subscription for the firm's own books, Firm Models (private firm-level AI), a branded interface, and dedicated migration support. Application-only. Over 700 firms have applied.

Digits is US-only at every layer. Geographic availability is limited to US-based entities. The QuickBooks compatibility is a one-time historical migration import at cutover, not an ongoing two-way sync. The 30-day free trial covers Essentials and Core. There is no permanent free tier on the SMB product.