Digits
Digits Financial, Inc. · Business
Digits is AI accounting software that keeps books current, reconciles transactions, and turns financials into live reports. It suits startups, small businesses, and accounting firms.
About Digits
What Is Digits
Digits is an AI accounting software platform and automated accounting platform built by Digits Financial, Inc., a company based in San Francisco. Instead of logging every transaction by hand, it reads your bank, card, and payroll activity, sorts each entry into a category, and keeps the books reconciled around the clock.
The product centers on what the company calls an Agentic General Ledger, or AGL. Your ledger updates itself as new spending and income arrive, and the numbers flow straight into profit and loss, balance sheet, and cash flow statements. You can drill from a category down to a single transaction when something looks off. Digits also offers AI invoicing and AI bill pay, and it added a developer API and an MCP connection so a ledger can plug into other tools.
The main limit is scope. Digits is built for US-style accounting on small and mid-sized books, and pricing starts at $65 per month, so it isn't aimed at hobbyists or free-tier users. You also need to connect live bank and payroll accounts to get the automation, which assumes clean, digitally available financial data.
Getting Started
- Sign up for a Digits plan on the official site and pick the tier that matches your company size.
- Connect your bank accounts, credit cards, and payroll providers so Digits can pull transaction data.
- Let the AI categorize incoming transactions, then review or bulk-edit categories in the Category Manager.
- Open your P&L, balance sheet, or cash flow to check the live figures, or ask a question through the Ask Digits assistant.
- Send invoices, approve bills, or share reports with your accountant and team from the same workspace.
Product Information
A quick look at Digits's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- Startup founders
- Small business owners
- Accounting firms
Tasks
- Month-end close
- Tracking cash flow
- Invoicing clients
Scenarios
- Reviewing a strange expense
- Preparing an investor report
- Answering a finance question fast
Key features
Agentic General Ledger
Digits runs on what the company calls an Agentic General Ledger, which it markets as the first AI-native accounting platform. The ledger keeps itself current by reading incoming bank, card, and payroll activity, then posting each transaction to a category. You still get a normal double-entry ledger underneath, but the upkeep is automated rather than manual.
Continuous Bookkeeping and Reconciliation
Unlike a month-end tool, Digits books and reconciles around the clock. New transactions get categorized as they land, and the system flags items that need a human review. That means your financials reflect recent activity most of the time, not just after a close cycle.
Live Financial Statements
Digits is financial reporting software that generates profit and loss, balance sheet, and cash flow statements that stay up to date. Reports are interactive rather than static, so you hover to see a figure, click a line to explore the transactions behind it, and compare trends on the spot. Custom reports capture any period and any mix of statements and metrics.
Ask Digits Financial Assistant
Ask Digits is a chat assistant built into the platform. You can ask about cash flow, expenses, revenue trends, vendor history, budgets, or forecasts and get an answer without building a report. The company says the assistant runs on its own financial modeling engine and keeps raw financial data inside its models.
AI Invoicing and Bill Pay
Digits handles both sides of the money flow. On the income side, AI invoicing creates and sends professional invoices in a few steps. On the spending side, AI Bill Pay lets you drag in a bill, approve it, and pay, with the transaction landing in the ledger automatically.
Banking, Payroll, and Mobile Access
Digits connects to more than 12,000 banks, cards, and payroll providers, so most common accounts can feed the platform. Native apps for iPhone and iPad keep dashboards and approvals within reach, which helps owners who check finances between meetings rather than at a desk.
Developer API and MCP
Digits ships a developer API and an MCP connection, which lets teams pull ledger data into other systems or wire it into AI tools that support MCP. For companies that want accounting data to flow into a broader software stack, this is the piece that makes it possible.
Pros and cons
Pros
- Books and reconciles continuously instead of waiting for month-end
- Live P&L, balance sheet, and cash flow statements that stay current
- AI invoicing and AI bill pay cover both income and spending
- Connects to over 12,000 banks, cards, and payroll providers
- Developer API and MCP connection for custom integrations
Cons
- No free plan, and pricing starts at $65 per month, which rules out casual users
- Automation depends on live bank and payroll connections, so limited accounts mean limited results
- It targets US-style accounting, which can be a poor fit for businesses outside that model
Frequently asked questions
Digits is AI accounting software and an AI bookkeeping app that keeps a business ledger current, reconciles transactions, and turns the numbers into live financial reports. It bundles bookkeeping, invoicing, bill pay, and reporting into one platform for startups, small businesses, and accounting firms.
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