Digits vs. Fincent
Which accounting platform is best for modern businesses & firms?
The pace of modern finance doesn't wait for rules, clicks, and month-end marathons.
Digits is an AI-native accounting platform that reconciles to bank statements automatically, turns financials into live dimensional dashboards, and unlocks unlimited collaboration—no rules, no scripts, no seat limits.
What we compare
Where AI actually does the work, how teams collaborate, which reports drive decisions, and what you'll really pay.
Digits Core $100/mo vs. Fincent Basic starting from $189/mo
Features change—verify on vendor pages.
Built for AI, not before AI
Digits Core
$100/mo
Fincent Basic
$189/mo
AI isn't a feature; it's the foundation. Digits is AI-native from day one, powered by the Agentic General Ledger™. Built for machine learning and trained on 170M+ real transactions, Digits auto-books, reconciles, and reviews continuously, then surfaces only the exceptions that need a human.
Service-led bookkeeping with an LLM-upgraded, self-hosted auto-categorization engine. Shares workflow + accuracy claims, but not training data details or benchmark methodology.
Continuous AI Reconciliation: Digits automatically reconciles your accounts to bank statements (uploaded or connected) and flags only what needs review—so you can trust your numbers without doing the busywork.
Transactions are matched to statements, discrepancies are flagged, and final sign-off happens through manual review.
Ask Digits—purpose-built for accounting. One ledger-native assistant built into everything. It understands your real financial data and answers questions directly—not a chat layer sitting on top of reports.
No AI assistant is clearly described on public pages.
Clear exception flags (Missing, Date mismatch, Duplicate, Overmatched) plus an audit trail so you can see exactly what changed and why.
Flags items that need review, but doesn’t clearly spell out standardized exception labels or whether only exceptions are reviewed.
As soon as statements arrive (uploaded or auto‑fetched), the reconciliation draft is automatically generated; you finalize in a few clicks.
A dedicated bookkeeper closes the books each month and delivers monthly financial statements.
AI does the routine work, you supervise the exceptions. Most activity is auto-booked; anything uncertain is surfaced for targeted review—so teams move from "preparing" the close to approving it.
Rules + AI suggestions, with review on uncertain items to ensure accuracy.
Minimal ongoing effort: 24/7 AI bookkeeping and AI bank recs keep the ledger current. Drop in a statement. Digits takes it from there.
Low day-to-day effort because it’s service-backed, but you should expect ongoing back-and-forth coordination to finalize.
More than automation. Built for scale.
If you're comparing platforms to find the best AI accounting software, don't stop at task automation. Digits' Agentic General Ledger™ is built for real-world finance teams—
Built for AI, not before AI
Digits Core
$100/mo
Fincent Basic
$189/mo
Unlimited users included —team, advisors, and auditors at no extra cost. Plans are billed on a per-business (or per-client) basis, not per seat.
Seat/user limits aren’t clearly specified on public plan details.
Built‑in comments across transactions, reports, categories, shared dashboards, and an Inbox to manage action items in one place.
Collaboration is centered on a dedicated bookkeeper (messaging + status tracking), with transaction notes/attachments.
Departments + Locations are included out of the box, with dimensional dashboards and statement slicing. (Projects coming soon.)
Segmentation isn’t listed for the Basic plan; project tracking and deeper customization appear in higher tiers or add-ons.
Real-time KPI dashboards (multi-view, drag-and-drop); drill-through; scheduled, branded reports; export to PDF/CSV.
Includes a dashboard, financial insight reporting, and monthly financial statements.
12,000+ banks & cards via Plaid. Statements auto-fetched to Documents for many institutions; PDF-to-CSV where supported.
Connects bank accounts (and cards), but doesn’t publicly list total bank coverage or the underlying bank data provider.
All-in-one AI accounting with Connect API—core GL, bill pay, and invoicing built in, so you rely on fewer third-party add-ons, while still integrating with partners like Gusto, Ramp, BILL, Stripe, Mercury, and 12k+ banks.
Service-led model that works alongside your existing tools, with add-on services, rather than an all-in-one workflow handled entirely inside the software.
Built-in AI Bill Pay and AI Invoicing automates document capture, vendor data extraction, smart categorization, and streamlined approvals.
Bill pay and invoicing aren’t listed as included in Basic; they’re shown under higher tiers/features.
Trusted by thousands of startups, small businesses, and accounting firms
I've been using QBO for 10 years - I love Digits so far. I think what you guys have is a game changer.
Digits is incredible. Intuitive, interactive, and finally gives the right insights beyond spreadsheets.
Digits combines a sleek dashboard with deep, nuanced insights — it’s the perfect balance.
I don’t spend time on accounting — and I love that.
Sleek interface, world-class support — I save hours every month at close.
Digits AI Invoicing makes managing my finances effortless. Everything’s in one place—no more platform hopping.
The smoothest invoicing tool I’ve used. Everything just works, and billing takes a fraction of the time.
Digits saves 6 hours per client and helps us deliver deeper insights.
The future of accounting isn’t crunching numbers — it’s managing the tools that do. That’s why I love Digits.
You don't have to sell me, the software sells itself.
•
5 stars
on Product Hunt
Which Platform Is Right for You?
Digits Core
$100/mo
Is best for:
- Businesses that want AI-first accounting that keeps the books current automatically with less reconciliation and close busywork
- Modern firms and CFOs who need real-time dashboards, dimensions, and collaboration built into the workflow
- A flexible ownership model—run Digits self-serve, bring your accountant, or get matched with a Digits partner when you need managed bookkeeping
Fincent
Fincent Basic
$189/mo
May be better for:
- Teams that are okay with a more traditional month-end cadence, where reconciliation and close progress through human review rather than staying current automatically
- Founders who don’t need deep in-product collaboration and dimensional reporting
- Organizations that are okay relying on add-on services and coordination instead of an all-in-one platform