Digits Accounting Reimagined

Digits is accounting software built around AI. It provides automated bookkeeping that categorises transactions around the clock, real-time financial reports and dashboards, and tools for bill pay and invoicing. It is aimed at startups, small businesses and the accounting firms that serve them, and a free trial is offered.

Product

Real-time bookkeeping categorises transactions automatically, connecting to more than 12,000 financial institutions. Agentic Close is an AI-native month-end close process, and Automated Schedules handle accrual workflows such as prepaid expenses. Ask Digits is an AI financial assistant that answers questions about your numbers. Insights and dashboards give a live view of the business, and financial reporting produces interactive management reports.

Bill Pay lets you drag and drop a bill, approve it and pay it, and invoicing helps you get paid faster. Native apps are available for iPhone and iPad.

For developers and firms

Digits offers a free, open developer API and an MCP server, so AI assistants and other software can work with your books. The site notes that MCP now has write access, protected by locked periods so closed months cannot be changed. Digits for Firms supports accounting practices, with webinars and the Digits Academy for training.

Security

The site describes bank-grade security and has a page explaining how it protects data.

Who it is for

It suits founders and small business owners who want current numbers without waiting for month-end, finance teams that want to automate routine bookkeeping, and accountants who manage many clients and want AI help with categorisation and close.

Things to consider

Automated categorisation is fast but not perfect, so review transactions regularly, especially unusual ones, and work with an accountant for tax filings and complex questions. Moving from another accounting system takes planning, including historical data and opening balances. Check which banks, payroll and payment tools connect in your country. Before giving AI tools write access through the API or MCP, set up locked periods and permissions. Review the pricing page for plan details after the trial.

The free trial is the best time to connect a bank account and see how accurately it categorises your real transactions. Compare the results with your current books before switching.