Digits vs. Meridian by Pilot
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, runs continuous quality control checks, detects and drafts schedules, 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. Meridian (Custom Pricing)
Features change—verify on vendor pages.
Built for AI, not before AI
Digits Core
Meridian
Digits is the ledger and accounting system of record.
Not the ledger. An automation layer on top of QuickBooks Online or Xero. The connected ledger remains the system of record and a separate subscription.
AI isn't a feature; it's the foundation. Digits is AI-native, powered by the Agentic General Ledger™ (AGL®). Proprietary models built for accounting and trained on 180 million real transactions representing nearly $1 trillion in financial activity auto-book, reconcile, and review continuously, then surface only the exceptions that need a human.
AI agents built by Pilot, an accounting firm, for its own operations and run there since 2017 across 8,000+ businesses. The agents run close workflows on data from the connected ledger; the models behind them, their training data, and any accuracy benchmark are not described publicly.
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. Reconciliation happens continuously, not just at month-end.
Performs bank and credit card reconciliations using transaction and statement data, then sends the completed work to the accountant for review.
Ask Digits is your ledger-native assistant, purpose-built for accounting. It understands your financial data and answers questions directly from the ledger. It is not a chat layer sitting on top of reports.
Meridian AI is a chat assistant that answers questions about your books using financial data, schedules, and past accounting work. It can also help with one-off accounting tasks, with completed work available for review.
AI does the routine work; you manage the exceptions. Exceptions and items flagged for review land in the Checklist, grouped by close step: uncategorized or low-confidence transactions, missing or duplicate items, schedule candidates, quality control flags, open comments, and more. With Digits Checklist, you review the close instead of preparing it.
Recurring close work runs through configurable checklists. Routine exceptions are resolved and logged, and decisions that need human judgment are surfaced for review.
Describe a Quality Control check in plain English. Digits turns it into a deterministic check that runs the same way on every transaction, continuously. Built-in checks: missing fields, miscoding, duplicates, unusual activity, account validity, vendor changes, and more.
Customizable accounting policies apply during the close, with different review standards available for individual businesses. Checks cover issues such as uncleared invoices and fixed asset discrepancies before the books are approved. User-written deterministic checks are not described.
Digits automatically detects and drafts schedules directly in the ledger. You can also create a new one or import a schedule. After accountant approval, Digits automatically generates recurring entries for prepaids and fixed assets.
Supporting schedules are prepared as part of the close and carried forward across periods. Completed work is written back to the connected ledger.
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 pairs the Agentic General Ledger™ with what real-world finance teams need: unlimited users, built-in comments, departments and locations, plus bill pay, invoicing, and documents in the same ledger.
Features & Limits beyond AI
Digits Core
Meridian
Unlimited users included—firms, clients, CFOs, operators, auditors, all at no extra cost.
Supports multiple users working across accounting workflows. Public materials do not list seat limits or per-user terms.
Built‑in comments and @mentions on transactions, bills, categories, reconciliations and more. Checklist gathers every open question and action item in one place, by workflow step.
Provides a portal for sharing files, answering questions, and requesting approvals. Its workflow views track close progress, outstanding items, and review
Visualize your business’s financial health. Real-time P&L, Balance Sheet, Cash Flow, and AR/AP Aging with drill-through to transactions and export. Drag-and-drop KPIs and statements as tiles.
P&L, balance sheet, and cash flow delivered each close with workpapers and a reconciliation summary. Reporting lives in the connected ledger; no KPI dashboard or report builder described.
Departments and Locations are included with dimensional dashboards and statement slicing. (Projects coming soon.)
Uses the dimensions already supported by the connected ledger.
12,000+ banks & cards via Plaid, plus Gusto, Ramp, BILL, Stripe, Mercury, and Reach Reporting; bank statements auto‑fetched to Documents for many institutions; PDF‑to‑CSV where supported.
Uses Plaid-based bank connections, direct connections for selected platforms including Mercury, Brex, Ramp, and Gusto, and uploaded statements or files when needed. Connection availability varies by source.
AI Bill Pay and AI Invoicing included—digitized documents, auto-extracted vendor data, smart categorization, and streamlined approvals.
Uses bills, invoices, and payment data to complete the accounting work. Payment approval and money movement remain in the connected bill-pay system; customer billing remains in the invoicing system.
One tool, no bolt-ons. Bill pay, invoicing, documents, and reconciliation run in the same system as your ledger.
Works alongside the existing ledger, banking tools, and other accounting software already in use.
Trusted by 7,000+ accountants and business owners
This is a fundamentally unique experience for our clients, allowing our professionals to spend more time helping clients get value from their financial data and make informed business decisions. Even more so than before, we can provide business consulting services that move our clients forward.
Digits simplified everything on the financial side. What used to take me four hours a day now takes just 15–20 minutes.
Digits is INCREDIBLE! So intuitive, interactive, very easy to pickup and finally gives the right information 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.
A year in, my experience has been fantastic. Digits is the best AI-native accounting software available today — I’m so impressed that I only take on clients willing to use it.
Which Platform Is Right for You?
Digits Core
Is best for:
- Teams that want a real-time dashboard, dimensions, bill pay, invoicing, and collaboration in one system.
- Companies that want the AI working inside the system of record, with no separate ledger subscription to keep in sync.
- Buyers who want published AI benchmarks and clear proof of how accounting automation is tested.
Meridian
May be better for:
- Companies that prefer running a separate close-automation layer alongside their current accounting software.
- Users who already have separate tools for bill pay and invoicing and don’t need those workflows built into the same accounting platform.
- Buyers okay with custom, sales-led pricing instead of a published plan price.
Frequently asked questions
The difference is where the AI operates. Digits runs inside its own ledger. Meridian automates work around an external one. Digits is the accounting system of record, powered by the Agentic General Ledger™ (AGL®), and it works on the books continuously, routing exceptions to the Checklist when judgment is needed. Meridian is an AI layer for accounting firms that runs the close on data from a connected QuickBooks Online ledger and posts completed work back to it.
Digits publishes how its AI is built and how it performs. Its proprietary, accounting-specific models run inside the Agentic General Ledger™ (AGL®), and in its 2026 benchmark, Digits AGL® achieved 97.8% transaction-categorization accuracy, scored against ground truth established by U.S.-based GAAP accountants, outperforming every frontier AI model tested. The full methodology is in Beyond the AI Hype: Evaluating LLMs vs. Digits AGL for Accounting Tasks.
Meridian describes purpose-built accounting AI and cites production scale, with Pilot reporting 199,000 months of books closed across more than 8,000 businesses since 2017, but its materials do not include an accuracy benchmark with a disclosed test sample and scoring method.