Digits vs. QuickBooks Online
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. QBO Plus $115/mo (QBO’s mid-tier; Advanced at $275/mo not included in comparison).
Features change—verify on vendor pages.
Built for AI, not before AI
Core
$100/mo
QBO Plus
$115/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.
AI layered in after the fact. Built on legacy architecture where the core workflow remains user-driven. Intuit Assist supports existing workflows, but posting, reconciliation, and close still require manual review and approval. AI capabilities vary by plan.
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.
Connect accounts to sync transactions, then review, categorize, and reconcile manually as part of regular bookkeeping.
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.
AI is split across multiple agents and tiers—more to learn, more to navigate, more steps.
Clear exception flags (Missing, Date mismatch, Duplicate, Overmatched) plus an audit trail so you can see exactly what changed and why.
QuickBooks supports bank rules to auto-categorize, which means rules setup and ongoing rule management.
As soon as statements arrive (uploaded or auto‑fetched), the reconciliation draft is automatically generated; you finalize in a few clicks.
Reconciliation is performed against bank/credit card statements via a step-by-step reconciliation workflow.
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.
User-controlled bookkeeping means the accuracy depends on correct categorization and completed reconciliations; accountant access/
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 reduces the workload, but ongoing review is still required. Expect regular transaction review/
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
QBO Plus
$115/mo
Zero seat fees: Add your full team with unlimited users. Plans are billed per business (or per client).
Includes up to 5 billable users. Additional users require upgrading or paying extra.
Built‑in comments across transactions, reports, categories; shared dashboards; and an Inbox to manage action items in one place.
Share your books with an accountant, bookkeeper, or tax pro so they can sign in to QuickBooks Online and help manage your books and reports.
Departments + Locations are included out of the box, with dimensional dashboards and statement slicing. (Projects coming soon.)
Classes & Locations with a 40 combined cap; Projects included.
Real-time KPI dashboards (multi-view, drag-and-drop); drill-through; scheduled, branded reports; export to PDF/CSV.
AI P&L insights, anomaly detection & resolution, budgeting in Plus; (advanced KPI dashboards and custom reporting move up to the Advanced plan).
12,000+ banks & cards via Plaid. Statements auto-fetched to Documents for many institutions; PDF-to-CSV where supported.
Robust bank feeds with extensive financial institution coverage.
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.
Intuit markets 800+ integrations. Many apps require a separate subscriptions; optional Intuit add-ons like Payroll/
Built-in AI Bill Pay and AI Invoicing automates document capture, vendor data extraction, smart categorization, and streamlined approvals.
Supports invoicing and bills/
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:
- Growing teams that want unlimited users without per-seat pricing
- Modern finance teams ready to eliminate manual reconciliation and month-end bottlenecks
- Businesses and firms that need real-time dimensional reporting and shared visibility
- Organizations prioritizing AI-first accounting that reduces busywork and improve accuracy
QBO
QBO Plus
$115/mo
May be better for:
- Businesses standardized with the Intuit ecosystem (QuickBooks Payroll, TurboTax, etc.)
- Teams that prefer traditional bookkeeping workflows with incremental AI helpers
- Organizations that require a broader third-party app marketplace