Digits

Most AI bookkeeping tools sit on QuickBooks or Xero and depend on them. Digits took another route: its own ledger, the Agentic General Ledger (AGL). It started as a QuickBooks overlay and is now a full standalone ledger for accounting firms of every size and the businesses they serve.

The standout architecture is a three-layer model. Transactions are categorized 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.

Digits sells direct to businesses with three plans. Essentials runs $65 per business per month, Core is $100, and Pro is $250, with Digits listing Pro as coming soon. Every plan includes unlimited users. One login covers multiple entities, each with its own books. An extra entity is free until it passes 250 transactions in a calendar year, then it starts at $35 a month. Consolidated reporting across entities is available through partner Reach Reporting.

Firms choose a plan per client, mixing Starter for Firms, Essentials for Firms, and Core for Firms across accounts. There is no seat limit, and volume discounts apply. Each plan gives firm-specific AI models, a branded ledger, monthly reports, a firm dashboard, custom dashboards and reports, and migration plus onboarding support. The firm's own books are free on its most advanced plan. Digits does not publish firm prices.

Digits works only with US-based businesses and US banks, and it is USD only with no multi-currency support. If you are coming from QuickBooks, you can import history once at cutover, but there is no two-way sync. The Essentials and Core plans start with a 30-day free trial. Free options are limited to the firm's own books and extra entities up to 250 transactions a year; there is no free plan for a first business. Digits works with Stripe, Ramp, Mercury, BILL, Gusto, Ignition, Karbon, and Reach Reporting, plus about 20 payroll providers. It connects to over 12,000 financial institutions through Plaid and offers a public API. Digits MCP lets Claude, ChatGPT, and other AI tools read and write the ledger within the user's own permissions. Controls include Locked Periods, which hold changes to closed months for an approver, and SOC 2 Type II compliance.