Digits alternative
A Digits alternative for owners
with more than one business.
Digits is an AI-native general ledger that does the categorization and reconciliation itself. With several businesses, each is a separate subscription. Here is the comparison, including where Digits is the better choice.
PORTFOLIO $199/MO · 5 ENTITIES · FREE PLAN IS ONE MANUAL ENTITY
What Digits is
A fair description first.
Digits is AI-native accounting software for US businesses and the accounting firms that serve them. Its AI categorizes transactions, drafts reconciliations, and routes uncertain items to a checklist rather than guessing; bill pay and invoicing are built in.
Digits supports several businesses under one account, switched from a dropdown, but "each business or location would need its own Digits subscription." We found no Digits documentation for consolidated statements across businesses.
What it does well
AUTOMATION DEPTH
Continuous AI categorization and statement-aware reconciliation, automated quality checks, and an exception checklist instead of guesses.
API AND MCP ON EVERY PLAN
A developer API and MCP connector on every plan, native iPhone and iPad apps, and frequent product updates.
SIMPLE PRICING
Published prices, no setup fee, a 30-day trial, and built-in bill pay and invoicing with published fees.
Price
What each costs.
Digits prices as published on its own site on September 21, 2026. 30-day free trial, no setup fees. Available only to US-based entities.
| PLAN | PRICE | NOTES |
|---|---|---|
| Digits Essentials | $65/mo | For solopreneurs and early-stage businesses. |
| Digits Core | $100/mo | Adds department and location tracking and automated schedules. |
| Digits Pro | $250/mo | Listed as "coming soon" — not purchasable on September 21, 2026. |
| VisiBooks Free | $0 | One manual entity, no live bank feeds. Enough to see the ledger, not the multi-entity view. |
| VisiBooks Operator | $79/mo ($67 billed annually) | One live business: bank feeds, reconciliation, invoices, bills, close controls. |
| VisiBooks Portfolio | $199/mo ($169 billed annually) | Five live entities included, +$29 per additional entity, up to five users, cross-entity monitoring. |
Side by side
Digits and VisiBooks, for an owner with several businesses.
| DIGITS | VISIBOOKS | |
|---|---|---|
| FIVE BUSINESSES | $500/mo on Core — five subscriptions | $199/mo on Portfolio ($169/mo billed annually), five entities on one subscription |
| ONE LOGIN | Yes — switch businesses from a dropdown | Yes |
| ACROSS ENTITIES | A Manage Entities screen lists businesses and who can access each | An owner workspace showing every entity's health, blockers, unreconciled lines, and close queues |
| CONSOLIDATED STATEMENTS | Not documented | Create a workspace and add your companies first, then view their P&L and balance sheet in the desktop app or API. Tagged intercompany pairs are eliminated only when both sides balance; mismatches remain visible and the report is labelled combined. No web consolidation view, consolidated cash-flow statement, or currency conversion yet. |
| AI | AI categorization and reconciliation, Ask Digits chat, API and MCP on every plan | Bring your own MCP agent. It can operate the books under scoped authority, with review, pause, and revoke. No per-token charge. |
| PAYROLL | Syncs from providers such as ADP, Gusto, and Paychex | Optional: $35/mo + $6 per employee on Operator; Portfolio includes one entity and its first five employees |
With several businesses
Where it gets harder.
A subscription per business
Five businesses on Core is $500 a month.
Shared bank logins
Digits documents that Plaid and Chase do not support linking the same login to multiple connections; the workaround is a separate login per entity.
No documented consolidation
We found no Digits documentation for consolidated statements or intercompany eliminations.
Portfolio runs up to five companies on one subscription, each with its own ledger, chart of accounts, bank connections and statements, with cross-entity monitoring across all of them. Additional entities are $29 a month each.
Stay with Digits if
When Digits is the better choice.
- You run one business and want AI to do the categorization and reconciliation, with a firm reviewing.
- Your accounting firm already works in Digits.
- You want bill pay and invoicing built in with published fees.
Questions
Before you switch.
Is Digits cheaper than VisiBooks?
For one business, Digits Essentials is $65 a month against $79 for VisiBooks Operator. For five businesses, five Digits Core subscriptions are $500 a month against $199 for VisiBooks Portfolio.
Does Digits do the bookkeeping for me?
Its AI does the repetitive categorization and reconciliation and routes uncertain items to a checklist. Human accounting comes from independent partner firms, not from Digits.
How is VisiBooks different on AI?
VisiBooks does not sell its own model. You connect the agent you already use through MCP, scope what it may do per entity, and review, pause, or revoke it — with no VisiBooks charge per token or action.
Does VisiBooks produce consolidated statements?
Create a workspace and add your companies first, then view their P&L and balance sheet in the desktop app or API. Tagged intercompany pairs are eliminated only when both sides balance; mismatches remain visible and the report is labelled combined. No web consolidation view, consolidated cash-flow statement, or currency conversion yet.
Run every company from one system.
Portfolio is $199 a month for five entities. The free plan is a single manual ledger — useful for seeing how VisiBooks works, not for running several businesses — so look at Portfolio if more than one company is why you are here.
SOURCES · DIGITS FACTS CHECKED SEPTEMBER 21, 2026
Also compared: Xero · Zoho Books · Sage 50 · Rillet · Puzzle · QuickBooks
Digits is a trademark of Digits Financial, Inc.. VisiBooks is not affiliated with Digits Financial, Inc..