Digits vs T:0
Digits
digits.comT:0
t0.aiSide by side
| Figure | Digits | T:0 |
|---|---|---|
| Price from | $65/mo | $199/mo |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| macOS | Yes | — |
| iOS | Yes | — |
| API | Yes | — |
| Plans published | 3 | 4 |
| Spec score · AI Accounting Software | 8.9 (#3) | 6.9 (#29) |
| Audience | Digits markets its platform to solopreneurs, small businesses, growing companies, startups, and accounting firms. | T:0 describes itself as serving solo founders, small business owners, and finance teams, from start-ups to scaling businesses. |
| 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. | The Integrator connects to more than 12,000 financial platforms, including payroll, cards, billing, payments, and banks. |
| Product | Digits describes itself as the first AI-native general ledger for business owners and accountants. | T:0 automates company finance, including bookkeeping and trend analysis, and provides real-time answers about business finances. |
| Security | Digits states that it is SOC 2 Type II compliant and uses revocable API tokens, TLS, and per-secret authenticated envelope encryption. | The Integrator page says bank connections are read-only and encrypted, using industry-standard infrastructure. |
Plans
T:0
- Platform-Only Access$199 a month
- Managed Bookkeeping$599 a month
- Managed Bookkeeping + Tax$749 a month
- CFO ServicesPriced on request
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.