Digits vs. Puzzle
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. Accounting plus - Advanced Automation $100/mo
Features change—verify on vendor pages.
Built for AI, not before AI
Core
$100/mo
Accounting plus - Advanced Automation
$100/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.
Puzzle discloses OpenAI for “Ask AI/AI Lookup,” but doesn’t clearly publish comparable model/benchmark/training details for its core auto-categorization—so it’s harder to verify what’s under the hood.
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.
You still do the verifying: transactions flow in, then you reconcile by comparing to statements and confirming the tie-out.
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.
Built around categorization inside transactions. Useful for classification/cleanup, but not positioned as one unified assistant across the entire ledger.
Clear exception flags (Missing, Date mismatch, Duplicate, Overmatched) plus an audit trail so you can see exactly what changed and why.
Exception flags? Sort of. Flags for categorization inconsistencies—but reconciliations are still a view of matches, where it’s on you to verify the statement tie-out.
As soon as statements arrive (uploaded or auto‑fetched), the reconciliation draft is automatically generated; you finalize in a few clicks.
Month-end is a checklist and period-based process: you reconcile each account to the statement and ensure it ties out before moving on.
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 still exist (and may be needed for consistency), and AI can auto-categorize a lot—but you’re still expected to review, add context, and finalize the books.
Minimal ongoing effort: 24/7 AI bookkeeping and AI bank recs keep the ledger current. Drop in a statement. Digits takes it from there.
Automation saves clicks, but you’re still the babysitter: set and maintain rules, verify AI categorization, work through reviews, and reconcile to statements—so staying current means showing up regularly, not just approving a few flags.
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—
Features & Limits beyond AI
Core
$100/mo
Accounting plus - Advanced Automation
$100/mo
Zero seat fees: Add your full team with unlimited users. Plans are billed per business (or per client).
Same as Digits; add as many users as you like.
Built‑in comments across transactions, reports, categories, shared dashboards, and an Inbox to manage action items in one place.
Collaboration is workflow-driven: comments + assignments live on transactions, plus an Inbox that’s mainly tasks and a month-end checklist—not a single Q&A hub across reports and dashboards.
Departments + Locations are included out of the box, with dimensional dashboards and statement slicing. (Projects coming soon.)
Segmentation uses classifications (e.g., classes & departments) and is primarily consumed through dashboards/reports.
Real-time KPI dashboards (multi-view, drag-and-drop); drill-through; scheduled, branded reports; export to PDF/CSV.
Dashboards focused on startup metrics (cash/burn/runway), plus spend/revenue explorers and AI insights—less of a multi-view, drag-and-drop KPI dashboard and report-publishing workspace.
12,000+ banks & cards via Plaid. Statements auto-fetched to Documents for many institutions; PDF-to-CSV where supported.
Similar to Digits, connects to modern finance tools via direct integrations, with broad bank coverage through Plaid (12,000+ banks & cards).
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.
Integrations-first accounting hub: built to connect to your finance stack and partner services, rather than bundling GL, bill pay, and invoicing into one suite.
Built-in AI Bill Pay and AI Invoicing automates document capture, vendor data extraction, smart categorization, and streamlined approvals.
Not marketed as AI invoicing. Invoicing is built in; bill payments usually run through Bill.com (or similar) and sync back.
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.
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5 stars
on Product Hunt
Which Platform Is Right for You?
Core
$100/mo
Is best for:
- Businesses and firms that care about transparency in how automation is built, trained, and validated
- Operators who want maximum efficiency—reconciliations and automation on autopilot, reviewing only exceptions (not babysitting every transaction)
- Businesses that want less setup and less maintenance—no rule-building culture to keep automation working
Puzzle
Accounting plus - Advanced Automation
$100/mo
May be better for:
- Organizations okay rolling the dice on “AI-powered” without the same published benchmarks and training transparency
- Businesses wiling to trade efficiency for upkeep: statement tie-outs + rules + ongoing review
- Teams that prefer workflow-based bookkeeping (tasks, checklists, reconciliation views) over an exception-first close