kitio.aiDigits vs Beancount.io
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Beancount.io has the lower starting price: about $15 a month, against $65 for Digits.
Hosted plain-text accounting with Git versioning and an AI assistant
Freemium · $14.99/moAt a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI general ledger
- Automatic transaction coding
- Bank reconciliation
- Real-time financial dashboards
- Multi-client firm view
- Plain-text double-entry ledger
- Git version history
- Bank sync
- AI assistant for your books
- Hosted Fava reports
- Beancount MCP server
| Feature | Digits | Beancount.io |
|---|---|---|
| Best for | AI-native accounting platform with autonomous bookkeeping | Hosted plain-text accounting with Git versioning and an AI assistant |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Freemium |
| Starting price | $65/mo | $14.99/mo |
| Free plan | No | Yes |
| Made by | Digits | Beancount.io |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Beancount.io has the lower starting price: about $15 a month, against $65 for Digits.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Essentials
$65/mo
- Solopreneurs and early-stage
- 24/7 AI bookkeeping
- Bill pay and invoicing
- API and MCP access
Core
$100/mo
- Small and growing businesses
- Everything in Essentials
Pro
$250/mo
- Scaling finance teams
- Custom dashboards
- Coming soon
5 plans
Free
Free
- 1 ledger, 1 collaborator
- 1,000 ledger entries
- 20K AI assistant tokens
Premium
$14.99/mo
- 5 ledgers, 5 collaborators
- Unlimited entries
- 500K AI assistant tokens
Growth
$99.99/mo
- 20 ledgers, 10 collaborators
- 2M AI assistant tokens
Organization
$499.99/mo
- 500 ledgers, 50 collaborators
- 10M AI assistant tokens
Enterprise
Contact sales
- Unlimited ledgers and collaborators
- Compliance and custom terms
Prices in USD, checked Oct 28, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Digits
- Books close with little manual work
- Clear real-time reporting
- Built for accountants too
- Requires switching ledgers
- Fewer third-party apps than QuickBooks
- US-centric
Beancount.io
- Books stay in open plain text
- Every change tracked in Git
- Connects to AI tools via MCP
- Plain-text accounting takes learning
- Free plan caps entries at 1,000
- Higher tiers are expensive
Which one should you choose?
Choose Digits if you want:
- Books close with little manual work
- Clear real-time reporting
- Built for accountants too
Watch out: requires switching ledgers.
Choose Beancount.io if you want:
- Books stay in open plain text
- Every change tracked in Git
- Connects to AI tools via MCP
Watch out: plain-text accounting takes learning.
Digits vs Beancount.io FAQ
What is the difference between Digits and Beancount.io?
Digits: AI-native accounting platform with autonomous bookkeeping. Beancount.io: Hosted plain-text accounting with Git versioning and an AI assistant. Both are legal, finance & hr tools.
Is Digits or Beancount.io cheaper?
Beancount.io has the lower starting price: about $15 a month, against $65 for Digits.
Do Digits and Beancount.io have free plans?
Digits: No. Beancount.io: Yes.
Who makes Digits?
Digits is made by Digits, based in United States.
Who makes Beancount.io?
Beancount.io is made by Beancount.io.
Which should I choose, Digits or Beancount.io?
Choose Digits if you value books close with little manual work and clear real-time reporting. Choose Beancount.io if you value books stay in open plain text and every change tracked in git.