Digits vs. SoftLedger
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. SoftLedger Standard $750/mo
Features change—verify on vendor pages.
Built for AI, not before AI
Digits Core
SoftLedger Standard
Digits is the ledger and accounting system of record.
The ledger and system of record.
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.
Cloud accounting built for multi-entity and consolidation. Rules- and workflow-driven with AI-assisted AP coding; reconciliation and review are not AI-native.
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.
Reconciliation is manual and rules-based—users match, review, and reconcile.
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.
No AI assistant for ledger Q&A.
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.
Rules-based flags for unmatched/anomalous items with audit trails; no AI-driven prioritization.
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.
No quality control feature. Manual review, rules, and standard controls.
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.
Fixed-asset module included; prepaid and deferred-revenue schedules are recurring journal templates or spreadsheet uploads you build by hand.
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
SoftLedger Standard
Unlimited users included—firms, clients, CFOs, operators, auditors, all at no extra cost.
Standard plan is $750/mo and includes 3 users; Enterprise is custom-quote.
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.
No native client portal or in-line transaction commenting; collaboration is handled outside the platform or via custom integrations.
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.
Real-time reporting with a configurable report builder and consolidation views—more report-builder oriented than dashboard-first.
Departments and Locations are included with dimensional dashboards and statement slicing. (Projects coming soon.)
Multi-dimensional support, including entities, cost centers, products, jobs, and custom dimensions.
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.
Bank feeds via Plaid. Manual CSV imports and Open Banking APIs are available for custom workflows.
Read and write your ledger from AI tools. The Digits API and Digits MCP read from and write to the Digits ledger from AI tools like Claude, ChatGPT, Cursor, and Perplexity. Send raw transactions and Digits AGL® books, categorizes, and enriches them into clean entries, all governed by your existing Digits permissions.
Read-only MCP. Claude, ChatGPT, and Cursor can only read; write access is planned. API supports read and write access on Standard.
AI Bill Pay and AI Invoicing included—digitized documents, auto-extracted vendor data, smart categorization, and streamlined approvals.
AP and AR modules included, but workflows are manual. Payments require integration with external providers.
One tool, no bolt-ons. Bill pay, invoicing, documents, and reconciliation run in the same system as your ledger.
API-first GL designed to integrate with external tools; bill pay, payroll, and payments are typically handled via integrations.
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:
- Always-current books with statement-tied reconciliation that cuts month-end catch-up and rework
- Fast onboarding in minutes with real-time dashboards, built-in dimensions, and in-product collaboration
- Clear, upfront pricing with predictable packaging as you grow, without sales-scoped complexity
SoftLedger Standard
May be better for:
- Teams that prefer hands-on work, even if it means more manual reconciliation and close effort
- Organizations that can operate without a live dashboard and in-product collaboration to keep work moving
- Companies that already run bill pay, payroll, and payments in separate tools and want a ledger built to sit underneath them.
Frequently asked questions
Digits is an agentic, AI-native, ledger-native accounting platform built to move routine accounting work forward automatically. SoftLedger is an API-first cloud general ledger built around configurable accounting workflows, with a strong focus on real-time, multi-entity consolidation.
Digits’ Agentic General Ledger™ (AGL®) categorizes transactions, continuously reconciles connected accounts to bank statements, detects and drafts prepaid and fixed-asset schedules, and runs Quality Control as activity happens. Routine, high-confidence work advances automatically, while exceptions that require professional judgment are surfaced to the accountant.
The difference is how automation works. SoftLedger gives finance teams APIs, rules, and workflows to configure how accounting processes run. Digits builds intelligence and automation into the ledger itself, so routine accounting can move from transaction processing through reconciliation, schedules, and review without requiring teams to configure each step.
SoftLedger is not AI-native. Its automation is rules- and workflow-driven: users match, review, and reconcile by hand, and there is no AI assistant for ledger questions.
Digits was built around accounting-specific AI from the start. 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. Ask Digits answers questions directly from the ledger.