Digits vs. Zoho Books
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. Zoho Books Premium $70/mo
Features change—verify on vendor pages.
Built for AI, not before AI
Digits Core
$100/mo
Zoho Books Premium
$70/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.
Not an AI/ML-led ledger. Traditional accounting software with rules-based automation.
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.
Rule-based suggested matches (“best/possible”) that you confirm. Reconciliation is period-based and finalized by the user.
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 for ledger Q&A.
Clear exception flags (Missing, Date mismatch, Duplicate, Overmatched) plus an audit trail so you can see exactly what changed and why.
No AI-based exception flagging. Manual review of all unmatched transactions is required. Audit trail available for transactions.
As soon as statements arrive (uploaded or auto‑fetched), the reconciliation draft is automatically generated; you finalize in a few clicks.
User-run close: reconcile for the period and lock periods manually, rather than auto-drafting close on statement arrival.
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.
Accuracy is driven by rules and manual review: recurring rules handle repeat items, suggested matches still need confirmation, and the audit trail records changes.
Minimal ongoing effort: 24/7 AI bookkeeping and AI bank recs keep the ledger current. Drop in a statement. Digits takes it from there.
Mostly human-driven. Rules reduce repeat work, but teams still categorize transactions, confirm matches, reconcile accounts, and run close steps manually.
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
Digits Core
$100/mo
Zoho Books Premium
$70/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.
10 users included in Premium; additional users cost extra ($3 per user/month add-on).
Built‑in comments across transactions, reports, categories, shared dashboards, and an Inbox to manage action items in one place.
Portals for customers and vendors are included. Collaboration is more portal- and permission-based, with user seats capped by plan.
Departments + Locations are included out of the box, with dimensional dashboards and statement slicing. (Projects coming soon.)
Reporting tags (divisional reporting) and projects are included; location tracking is a paid add-on ($30/mo).
Real-time KPI dashboards (multi-view, drag-and-drop); drill-through; scheduled, branded reports; export to PDF/CSV.
Built-in dashboard + custom reports; scheduled report emails are supported.
12,000+ banks & cards via Plaid. Statements auto-fetched to Documents for many institutions; PDF-to-CSV where supported.
Direct bank feeds via Plaid integration. Auto-imports transactions daily. Manual CSV/OFX import is also available.
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.
Standalone accounting app with an open API and optional extensions via the broader Zoho suite. Some workflows add cost (e.g., BillPay, Locations).
Built-in AI Bill Pay and AI Invoicing automates document capture, vendor data extraction, smart categorization, and streamlined approvals.
Invoicing is included; bill payment workflows are sold as a BillPay add-on ($69/mo).
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?
Digits Core
$100/mo
Is best for:
- AI-first workflow for modern teams that want real efficiency, not traditional rules-and-reports accounting
- Exception-only close with statement-tied recs that keep books current all month, not month-end catch-up
- Predictable $100 pricing plus partner discounts as you scale clients, without add-on surprises
Zoho Books
Zoho Books Premium
$70/mo
May be better for:
- Teams that aren’t chasing efficiency gains and are fine with rules-based workflows and manual reconciliation
- Firms comfortable with user caps and add-on pricing as needs grow, like location tracking and bill pay
- Operators satisfied with standard reports and portals, without in-line comments or firm-style action queues