Bearbook vs Digits

Bearbook is online accounting software for businesses in India, with invoicing, expense management, inventory, GST functions, cash and bank records, and reports. Users can create, print and email invoices, then track overdue invoices and receivables. Staff expenses can include uploaded receipts and manager review and approval. Inventory tools cover multiple items and units, stock tracking, and sales and purchase rates. Users can maintain multiple cash and bank accounts and record deposits, transfers and withdrawals. Reports span accounting, financial, sales, purchase, inventory and GST topics, including GSTR-1, GSTR-2 and GSTR-3. Bearbook also describes GST invoice creation and automated GST reports to help with filing. It runs in a browser and has Android and iOS apps, with cloud deployment. The product is only available in India, according to its homepage. A free trial is offered, with no duration stated. The listed starting price is ₹5,000/yr; the Premium plan is listed at $5,000 a year and includes support on call, chat and email, GST filing, and Profit & Loss, Balance Sheet and Cash Flow statements.

Digits is a cloud general ledger for business owners and accountants, combining automated books, month-end close, bill pay, invoicing, and real-time financials. Its AI bookkeeping categorizes transactions, flags items, and provides smart reviews around the clock. The platform supports cash and accrual accounting, journal entry and reconciliation automation, close task management, multi-entity support, and an audit trail. Digits Connect links with more than 12,000 financial institutions, and native integrations include Mercury, Ramp, Gusto, BILL, Stripe, Arc, Ignition, Karbon, and Reach Reporting. Bill Pay uses OCR to extract invoice details and supports vendor payments by ACH or check. A Developer API and MCP server can connect the ledger to tools such as ChatGPT and Claude. Digits offers web and API access plus native iPhone and iPad apps. It states that it is SOC 2 Type II compliant and uses revocable API tokens, TLS, and per-secret authenticated envelope encryption. The service is currently limited to U.S.-based businesses using U.S. financial institutions and supports USD only. Essentials costs $65 a month, and a 30-day trial is available.