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Accounting software review

Digits

AI-driven accounting for US businesses: Essentials costs $65 a month with no user limit, bank feeds with automatic reconciliation, bill pay and invoicing. It has no POS connection; sales reach the books as bank deposits.

By DigitsParent company: Digits Financial, Inc.

RTC SCORE

7.1

#6 of 9 with enough data

Our verdict

Automated books at a published monthly price with no user limit and no term, for a single restaurant comfortable with AI bookkeeping. With no POS connection, daily sales, tips and sales tax still have to be booked from the deposits or by hand.

What we like

  • Published price: $65 a month with no user limit, no setup fee and a 30-day free trial.
  • Bank feeds with AI categorization and reconciliation, bill pay and invoicing on every plan.
  • Month to month with no early termination fee; your accountant gets a login at no extra cost.
  • Syncs payroll from Gusto, ADP, Paychex, Square Payroll and other providers.

What to watch

  • No POS connection: Toast, Clover, Lightspeed and Square sales reach the books only as bank deposits, without the split by tax and tips.
  • Results by location start on Core ($100 a month), and each business or location needs its own subscription.
  • Support only by email or web form, with no published hours; plan changes go through support.
  • When the billing period ends after you cancel, you can no longer see your data, so download it first.

How the score breaks down

RTC Score7.1out of 10

Methodology v1.0.0

Data completeness96%

We could verify 96% of the scoring data

Strongest points
12-month cost (reference restaurant), Bank feeds, Initial term
Weakest point
POS systems that connect

Score by criterion

  • 12-month cost (reference restaurant)Weight 20%Strongest7.7 out of 10

    $780 over 12 months

  • POS data that reaches the booksWeight 8%2.5 out of 10
  • Bank feedsWeight 7%Strongest10.0 out of 10
  • POS systems that connectWeight 7%Weakest0.0 out of 10
  • Initial termWeight 7%Strongest10.0 out of 10
  • Bank reconciliationWeight 6%10.0 out of 10
  • Supplier billsWeight 6%10.0 out of 10
  • Live support channelsWeight 6%2.5 out of 10
  • Published pricingWeight 5%10.0 out of 10
  • Access for your accountantWeight 5%10.0 out of 10
  • Payroll into the booksWeight 5%7.5 out of 10
  • Early termination feeWeight 5%10.0 out of 10
  • Results by location or classWeight 4%2.5 out of 10
  • Live support hours a weekWeight 4%No data
  • Notice to avoid renewalWeight 3%10.0 out of 10
  • Customer invoicesWeight 2%10.0 out of 10

All the data, with sources

Each value links to its source. "Not published" means the vendor doesn't disclose it; "Unconfirmed" means we looked and couldn't confirm it. Data points we have for fewer than four vendors are left out until we can compare them.

Pricing
Data pointValue
Monthly price$65/moSource: Digits (opens in a new tab)Essentials plan, billed monthly. Core ($100 a month) adds department and location tracking; Pro ($250) is listed as coming soon.
Monthly price if paid yearlyUnconfirmedSource: Digits (opens in a new tab)Digits shows only monthly prices; we found no yearly billing option on its pricing page or in its help center.
Users includedNo limitSource: Digits Help Center (opens in a new tab)
Each extra userN/ASource: Digits (opens in a new tab)No user limit on any plan, so there is no fee per extra user.
Published pricingPublishedSource: Digits (opens in a new tab)
Free planNoSource: Digits (opens in a new tab)There is a 30-day free trial but no free plan for businesses; only accounting firms get free books for their own firm.
Other feesEach business or location needs its own subscription. Bill Pay: 50¢ per ACH payment, $2.50 per mailed check, $20 per stop payment, $7.50 per returned payment. Card payments on your invoices cost 3.0% + 30¢ on Essentials (2.9% + 30¢ on Core) and ACH 1.0%, plus $15 per dispute. Unpaid fees carry 1.5% a month.Source: Digits Help Center (opens in a new tab)
Books and reconciliation
Data pointValue
Bank feedsAutomatic feeds from your bankSource: Digits (opens in a new tab)Through Plaid, on every plan. Digits works only for US businesses with US bank accounts, in US dollars.
Bank reconciliationYesSource: Digits (opens in a new tab)
Supplier bills (accounts payable)IncludedSource: Digits (opens in a new tab)On every plan. Paying bills through Digits requires verifying your business, and each payment has a small fee (50¢ by ACH).
Customer invoices (accounts receivable)IncludedSource: Digits (opens in a new tab)
Results by location or classOnly on a pricier planSource: Digits (opens in a new tab)Department and location tracking starts on Core ($100 a month). Separately, Digits says each business or location needs its own subscription.
Access for your accountantOwn login at no extra costSource: Digits Help Center (opens in a new tab)Users have no limit, so your accountant gets an own login at no extra cost; accounting firms also work in Digits without seat fees.
Bookkeeping service from the vendorNot offeredSource: Digits (opens in a new tab)Digits refers you to partner accounting firms in its directory, who bill you separately; it does not sell bookkeeping itself.
POS and payroll connections
Data pointValue
Connects with these POS systemsSource: Digits Help Center (opens in a new tab)Digits connects banks and cards, Stripe, Ramp, BILL and payroll providers, but no POS. Its help center lists Toast, Clover and Lightspeed as POS systems without a direct integration, and handles Square through the bank account.
POS data that reaches the booksOnly the deposits, through the bank feedSource: Digits Help Center (opens in a new tab)POS sales arrive as the deposits on your bank feed; Digits says you may miss detail a native integration would give, such as processor fee breakdowns.
How payroll reaches the booksOnly outside payroll providersSource: Digits Help Center (opens in a new tab)Digits has no payroll of its own. It syncs Gusto, ADP Run, Paychex Flex, Square Payroll, QuickBooks Online Payroll, Heartland, OnPay, Justworks and other providers.
Contract and exit
Data pointValue
Initial termMonth to monthSource: Digits Help Center (opens in a new tab)Month to month.
Automatic renewalMonth to monthSource: Digits Financial, Inc. (opens in a new tab)Month to month; the subscription renews each billing period until you cancel.
Notice to avoid renewal0 daysSource: Digits Financial, Inc. (opens in a new tab)You cancel in the app (from a desktop browser) and keep access until the end of the billing period. The terms also allow ending the agreement for convenience with 30 days' written notice.
Early termination feeNoneSource: Digits Help Center (opens in a new tab)Fees already paid are not refunded.
Early termination clauseNo early termination fee. Month to month; when you cancel you keep access until the end of the billing period, but fees already paid are not refunded.Source: Digits Financial, Inc. (opens in a new tab)
Right to raise pricesDigits can change its fees or add new ones at the end of the current term or renewal term, with 30 days' notice, which may come by email; using the service after the change means you accept it (Terms of Service).Source: Digits Financial, Inc. (opens in a new tab)
Your records when you leaveLimited or lost access after you leaveSource: Digits Help Center (opens in a new tab)Before you leave you can download the ledger as CSV and a financial package (ledger, trial balance, P&L and balance sheet) yourself; after the billing period ends you lose access.
Support
Data pointValue
Live supportEmail or tickets onlySource: Digits Help Center (opens in a new tab)Support is reached by email (help@digits.com) or a web form; Digits publishes no phone line, live chat or hours. Plan changes also go through support.
Live support hours a weekUnconfirmedSource: Digits Help Center (opens in a new tab)Digits publishes no support hours; we looked on its pricing page and in its help center.
Language
Data pointValue
Software in SpanishUnconfirmedSource: Digits Help Center (opens in a new tab)Digits documents no language setting; its site and help center are in English only. We searched its help center.
Invoices in SpanishUnconfirmedSource: Digits (opens in a new tab)We found no Spanish invoice option on its pricing and product pages.
Support in SpanishUnconfirmedSource: Digits (opens in a new tab)We found no published Spanish support on its pricing, product and support pages.
Website in Spanish for the USNoSource: Digits (opens in a new tab)The sitemap (427 pages) has no Spanish pages.

More about Digits

How we score