Digits vs SmartLedger AI
Digits
digits.com
SmartLedger AI
smartledger.aiSide by side
| Figure | Digits | SmartLedger AI |
|---|---|---|
| Price from | $65/mo | ₹333.33/mo |
| Free plan | — | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | Yes | — |
| iOS | Yes | Yes |
| Android | — | Yes |
| API | Yes | — |
| Plans published | 3 | 9 |
| Spec score · AI Accounting Software | 8.9 (#3) | 8.7 (#7) |
| Integrations | Native integrations include Mercury, Ramp, Gusto, BILL, Stripe, Arc, Ignition, Karbon and Reach Reporting, plus more than 12,000 financial institutions through its connections API. | Official integrations include Tally, Zoho Books, Excel, Google Drive, WhatsApp, Slack, email, Indian banks and GSTN workflows. |
| Product | Digits describes itself as the first AI-native general ledger for business owners and accountants. | SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms. |
| Security | Digits states that it is SOC 2 Type II compliant and uses revocable API tokens, TLS, and per-secret authenticated envelope encryption. | The FAQ states data is encrypted at rest and in transit with AES-256, hosted in Indian data centres, protected with role-based permissions and audit logs, and that SmartLedger AI is ISO 27001 certified and aligned to the DPDP Act. |
| What it does | Digits is an AI-native general ledger combining automated bookkeeping, month-end close, bill pay, invoicing and live financials. | SmartLedger AI is an India-focused accounting and compliance platform for CA firms, finance teams and businesses that automates bookkeeping, reconciliations, GST work and reporting with human review checkpoints. |
Plans
SmartLedger AI
- FreeFree
- Plus₹399 a month
- Pro₹699 a month
- Max₹1,199 a month
- CA Pro₹4,000 a year
- Plus₹4,000 a year
- Pro₹7,000 a year
- CA Max₹8,000 a year
- Max₹12,000 a year
In their own words
Digits
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.
SmartLedger AI
SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms. It automates bookkeeping, reconciliations, GST and TDS filings, and follow-ups, presenting results in ledgers, reports, and working papers for review. SmartAuditor lets users request tasks such as bank statement categorization or GSTR-3B preparation, then review the output. The product is designed to keep review and approval with people rather than replace accountants or finance teams. Workflows can connect with Tally, Zoho Books, Excel, Google Drive, WhatsApp, and Slack. The free plan costs nothing and includes core accounting, but no AI automation. Plus costs ₹399 a month; Pro costs ₹699 a month and includes AI processing for up to 2,500 invoices or statements. Max costs ₹1,199 a month and raises that processing limit to 5,000; both plans allow unlimited uploads under a Fair Use Policy, after which uploads fall back to OCR. CA Pro costs ₹4,000 a year, and CA Max costs ₹8,000 a year. A free Windows x64 Tally Connector is listed as version 0.15.1. The FAQ states data is encrypted at rest and in transit and hosted in Indian data centres.