# Alternatives to Digits

> Source: https://tickmarkbooks.com/digits/alternatives/ (re-verified)
> Updated: 28 October 2026

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than Digits at | Checked |
| --- | --- | --- | --- | --- | --- |
| [Digits](https://tickmarkbooks.com/digits.md) | A US startup or small business that wants its own AI-kept ledger in place of QuickBooks | From $65 a month | $65 | — | 27 October 2026 |
| [Zoho Books](https://tickmarkbooks.com/zoho-books.md) | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month | $20 | Shopify, PayPal | 26 October 2026 |
| [FreeAgent](https://tickmarkbooks.com/freeagent.md) | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $13 a month | About $25 | Promotion and regular price, PayPal | 26 October 2026 |
| [Puzzle](https://tickmarkbooks.com/puzzle.md) | A US startup on Mercury, Brex, Ramp, Stripe and Gusto that wants to replace QuickBooks | Price not established | $30 | Your own bookkeeper, QuickBooks Online | 26 October 2026 |
| [Pilot](https://tickmarkbooks.com/pilot.md) | A US startup or small business that wants its books done for it in QuickBooks Online | Price not established | $137 | Your own bookkeeper, QuickBooks Online | 26 October 2026 |
| [Booke AI](https://tickmarkbooks.com/booke-ai.md) | A business or bookkeeping firm already on QuickBooks Online or Xero | Price not established | $156 | QuickBooks Online, Xero | 26 October 2026 |
| [SimpleAI](https://tickmarkbooks.com/simpleai.md) | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month | $106 | Past your plan’s limits, Xero | 27 October 2026 |
| [Xero](https://tickmarkbooks.com/xero.md) | Small businesses wanting the whole team and their advisor on the books, no per-user fees | From $27 a month | $27 | Promotion and regular price, Shopify | 28 October 2026 |
| [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online.md) | Small businesses that want one ledger plus payroll, payments and an accountant login | Free, then $38 a month | $38 | Promotion and regular price, Your own bookkeeper | 28 October 2026 |
| [Wave](https://tickmarkbooks.com/wave.md) | Freelancers and solo owners who want real double-entry books without paying for software | Free, then $19 a month | $19 | Promotion and regular price, Your own bookkeeper | 28 October 2026 |

“About” figures are converted at the European Central Bank rate of 30 October 2026.

The ones people open most here come first, then the closest matches.

## Shortlist

### 1. Zoho Books

Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.

**Where it improves on Digits:**
- [Shopify: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)
- [PayPal: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)
- [Square: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)

**Trade-offs against Digits:**
- [Categorizes transactions: partial — Zia pre-fills the account and vendor against each imported bank line, so it suggests rather than posts by itself, and the page does not claim it learns from your corrections.](https://www.zoho.com/us/books/accounting-software/ai-in-accounting/)
- [Pays your bills: partial — Bills and vendor approvals are in the paid plans, but paying vendors by ACH with two- and three-way matching is the separate BillPay add-on at $59 a month billed annually ($69 monthly).](https://www.zoho.com/us/books/pricing/)
- [Your accountant can sign in: partial — The Free plan is quoted as one user plus one accountant, so an accountant seat is free there; the paid plans are quoted only as user counts, with extra users at $3 a month.](https://www.zoho.com/us/books/pricing/pricing-comparison.html)

[View Zoho Books](https://tickmarkbooks.com/zoho-books)

### 2. FreeAgent

UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.

**Where it improves on Digits:**
- [Promotion and regular price: yes — promotion: every paid plan is advertised at 50% off for the first six months (or first year on annual billing), after which the regular published price applies.](https://www.freeagent.com/pricing/)
- [PayPal: yes — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory.](https://www.freeagent.com/integrations/)
- [Platforms: yes — web, ios, android: it runs in the browser on any internet-connected device, with native iOS and Android apps; no Windows or Mac desktop application is offered.](https://www.freeagent.com/features/mobile/)

**Trade-offs against Digits:**
- [What the AI costs: partial — included in every plan for smart categorization and the first ten captures a month; processing more than ten receipts or bills needs the £5 (about $6.70)-a-month Smart Capture Unlimited add-on.](https://www.freeagent.com/pricing/)
- [Pays your bills: partial — Bills are captured, recorded and tracked as accounts payable inside FreeAgent, but actually paying them is left to partner products in its own Payment solutions directory rather than done in the product.](https://www.freeagent.com/features/expenses/)
- [Accrual books and reports: partial — It keeps accruals-basis books with automatic accounting reports, a dashboard profit and loss and limited-company Final Accounts; what it publishes for cash is a Cashflow forecast, not a monthly cash flow statement.](https://www.freeagent.com/pricing/)

[View FreeAgent](https://tickmarkbooks.com/freeagent)

### 3. Puzzle

AI-native accounting software with optional bookkeeper services for startups and small businesses.

**Where it improves on Digits:**
- [Your own bookkeeper: partial — Named bookkeeper only on Full Service. Full Service includes a named bookkeeper with unlimited questions by email.](https://puzzle.io/pricing)
- [QuickBooks Online: yes — QuickBooks Online read for migration.](https://help.puzzle.io/en/articles/12598354-connecting-banks-integrations-in-puzzle)
- [Shopify: yes — Shopify no](https://puzzle.io/integrations/stripe)

**Trade-offs against Digits:**
- [Reconciles your accounts: partial — You reconcile on Starter; AI drafts it from Complete. Every plan has a reconciliation screen where you match the month's transactions to the statement until the difference is $0, then Puzzle runs an auto-validation check.](https://help.puzzle.io/en/articles/6986882-how-to-reconcile-bank-and-credit-card-accounts-in-puzzle)
- [Reads receipts and bills: partial — Reads an uploaded receipt; no stated matching. You can attach documents to a transaction or bill.](https://help.puzzle.io/en/articles/15138987-month-end-close-with-ai-close)
- [Pays your bills: partial — Records bills; payment through Ramp or Bill.com. Bills can be entered, imported by CSV or synced from Ramp and Bill.com, matched to payments and shown in AP aging.](https://help.puzzle.io/en/articles/9165703-faq-accounts-payable)

[View Puzzle](https://tickmarkbooks.com/puzzle)

### 4. Pilot

A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.

**Where it improves on Digits:**
- [Your own bookkeeper: partial — A US-based bookkeeper and team on Core. Core includes a US-based bookkeeper and 'your dedicated team' by app, email and phone.](https://pilot.com/pricing)
- [QuickBooks Online: yes — QuickBooks Online only](https://pilot.com/blog/xero-vs-pilot-comparison-for-business-owners)
- [Xero: yes — Can I use Pilot if I want to keep Xero?](https://pilot.com/blog/xero-vs-pilot-comparison-for-business-owners)

**Trade-offs against Digits:**
- [Ledger included: no — Works in QuickBooks Online; you pay for the license. Every bookkeeping plan is done in QuickBooks Online (FAQ: 'Pilot does all of its bookkeeping in QuickBooks Online').](https://pilot.com/terms/client-terms)
- [Setup or onboarding fee: yes — Onboarding charge equal to one month. A one-time onboarding charge equal to one month of bookkeeping on every plan (so $99 on Essentials and $399 to $1,199 on Core, by band, at monthly billing).](https://pilot.com/faq)
- [Catching up past months: partial — Offered; no price published. Pilot says it offers catch-up bookkeeping, but the pricing page and FAQ carry no catch-up product or price.](https://pilot.com/blog/bench-vs-pilot-bookkeeping-service)

[View Pilot](https://tickmarkbooks.com/pilot)

### 5. Booke AI

An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.

**Where it improves on Digits:**
- [QuickBooks Online: yes — QuickBooks Online, Xero Zoho Books: Booke's document and collaboration features sync with it, but the AI Bookkeeper pages name only QuickBooks Online and Xero.](https://booke.ai/bookkeeping-ai)
- [Xero: yes — QuickBooks Online, Xero Zoho Books: Booke's document and collaboration features sync with it, but the AI Bookkeeper pages name only QuickBooks Online and Xero.](https://booke.ai/bookkeeping-ai)
- [Australia: yes — US, Canada, UK and Australia, in local currency.](https://booke.ai/)

**Trade-offs against Digits:**
- [Ledger included: no — No: you also pay for QuickBooks Online or Xero. Booke works inside an existing QuickBooks Online or Xero file, joining it as a user; it is not a ledger and no ledger license is in its price.](https://booke.ai/)
- [Reconciles your accounts: partial — Prepares reconciliation; your team completes it. In QuickBooks Online it prepares work for reconciliation and does not promise a reconciled file; in Xero it can perform 'supported reconciliation actions for eligible configured cases' and leaves the rest open.](https://booke.ai/bookkeeping-automation-software)
- [Sends invoices: partial — Matches payments to ledger invoices; sends none. It matches incoming payments to invoices that already exist in QuickBooks Online or Xero, including multi-invoice payments.](https://booke.ai/quickbooks-online)

[View Booke AI](https://tickmarkbooks.com/booke-ai)

### 6. SimpleAI

AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.

**Where it improves on Digits:**
- [Past your plan’s limits: yes — Past the monthly credit allowance you buy add-on packs at a published rate, but the number of packs is capped per month, so very heavy months force a plan upgrade rather than open-ended overage.](https://simpleaiworks.com/en/pricing)
- [Xero: partial — The vendor names Xero, QuickBooks and Accurate as the ledgers it currently supports, with Accurate limited to Indonesia QuickBooks Desktop and NetSuite are absent from that list, and no page says which QuickBooks or Xero plans are required.](https://simpleaiworks.com/en/contact)
- [Platforms: yes — web: it is a browser platform you register for online, and documents can be sent in from a desktop, a mobile device or by email; no Windows, Mac, iOS or Android app is advertised anywhere on the site.](https://simpleaiworks.com/en/solutions/bank-extraction)

**Trade-offs against Digits:**
- [Ledger included: no — SAAM is not the ledger: it extracts and classifies documents and then publishes entries into the accounting software you already pay for, so a Xero, QuickBooks or Accurate subscription sits on top of its price.](https://simpleaiworks.com/en/contact)
- [Pays your bills: partial — Bills are captured and classified and every plan includes an approval workflow, but the agent's documented end point is publishing entries into your accounting software, not paying suppliers.](https://simpleaiworks.com/en)
- [Sends invoices: partial — Sending invoices belongs to the other product lines, not SAAM: NOVA handles invoices and AR aging conversationally, and the e-Invoicing module issues Peppol invoices for Singapore, while SAAM only extracts AR documents.](https://simpleaiworks.com/en/solutions/nova)

[View SimpleAI](https://tickmarkbooks.com/simpleai)

### 7. Xero

Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan.

**Where it improves on Digits:**
- [Promotion and regular price: yes — promotion: new US customers get 90% off for six months, the offer closes 2 November 2026, and the regular plan price then applies and renews monthly.](https://www.xero.com/us/pricing-plans/)
- [Shopify: yes — Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto the Shopify connector splits out fees, refunds and taxes against payouts and is free on all plans.](https://apps.xero.com/us/app/shopify)
- [PayPal: yes — Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto](https://apps.xero.com/us/app/shopify)

**Trade-offs against Digits:**
- [Categorizes transactions: partial — Bank rules categorize recurring transactions for you and Xero suggests matches, but hands-off auto-reconcile is a $5 a month add-on on Early and only included from Growing up; no page claims it learns from your corrections.](https://www.xero.com/us/pricing-plans/)
- [Sends invoices: partial — Invoicing with online payment acceptance is on every plan, but Early is capped at 20 invoices a month before you must move up to Growing.](https://www.xero.com/us/pricing-plans/)
- [Payroll: partial — add-on: payroll is not in the plan price but is sold beside it as Xero Payroll powered by Gusto at $36 a month plus $6 per employee or contractor, on any plan.](https://www.xero.com/us/pricing-plans/)

[View Xero](https://tickmarkbooks.com/xero)

### 8. QuickBooks Online

Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors.

**Where it improves on Digits:**
- [Promotion and regular price: yes — promotion: every paid plan card shows a half-price figure for three months beside the struck-through regular price, so Simple Start is $19 then $38, Plus $70 then $140.](https://quickbooks.intuit.com/pricing/)
- [Your own bookkeeper: partial — A named bookkeeper comes only with the separately purchased Expert Full Service Bookkeeping tier; the cheaper Expert Assisted tier gives coaching but will not work in your books.](https://quickbooks.intuit.com/experts/)
- [Shopify: partial — Third-party app integrations are offered with paid plans and an app marketplace, but they are explicitly unavailable on the Free plan, and the pages read name no individual app such as Stripe or Shopify.](https://quickbooks.intuit.com/pricing/)

**Trade-offs against Digits:**
- [Catching up past months: partial — Cleanup of past months exists only as a separately bought Intuit Expert service, not as part of any QuickBooks Online plan, and its price is not published.](https://quickbooks.intuit.com/experts/)
- [Reconciles your accounts: partial — Automated reconciliation is a Plus-tier and above feature on the plan cards; the Simple Start and Essentials cards do not list it, so cheaper tiers leave the matching to you.](https://quickbooks.intuit.com/pricing/)
- [Stripe: partial — Third-party app integrations are offered with paid plans and an app marketplace, but they are explicitly unavailable on the Free plan, and the pages read name no individual app such as Stripe or Shopify.](https://quickbooks.intuit.com/pricing/)

[View QuickBooks Online](https://tickmarkbooks.com/quickbooks-online)

### 9. Wave

Free double-entry books for solo owners, with bank imports, receipts and payroll kept behind the paid Pro Plan.

**Where it improves on Digits:**
- [Promotion and regular price: yes — promotion: the Pro card shows $9.50 for the first three months instead of $19, after which the regular $19 a month is charged.](https://www.waveapps.com/pricing)
- [Your own bookkeeper: partial — A named in-house bookkeeper based in North America comes with the Advisors bookkeeping package from $149 a month, not with the software plans.](https://www.waveapps.com/wave-advisors)
- [Shopify: yes — Shopify, Stripe and PayPal reach Wave only through the Make.com automation bridge on Pro](https://www.waveapps.com/integrations)

**Trade-offs against Digits:**
- [What the AI does: partial — The automation Wave names is importing, merging and categorizing bank transactions and pulling the details off a photographed receipt; its pages never call any of this AI.](https://www.waveapps.com/pro)
- [Pays your bills: partial — You can record bills on every plan, but paying them happens in a connected third-party check and payment tool rather than inside Wave, and no approval routing is described.](https://www.waveapps.com/integrations)
- [Gusto payroll: no — the directory and its count of direct apps do not list Square or Gusto.](https://www.waveapps.com/integrations)

[View Wave](https://tickmarkbooks.com/wave)