kitio.aiDigits vs Punchcard
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Digits starts at $65/mo and Punchcard starts at See pricing page. Check both pricing pages for current plans.
At 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
- Client request tracking
- CoAudit workpaper agent
- Source-linked citations
- Excel and Word support
- Engagement templates
- Review workflow
| Feature | Digits | Punchcard |
|---|---|---|
| Best for | AI-native accounting platform with autonomous bookkeeping | Audit workflow platform with an AI agent that prepares workpapers |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Paid |
| Starting price | $65/mo | See pricing page |
| Free plan | No | No |
| Made by | Digits | Punchcard |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Digits starts at $65/mo and Punchcard starts at See pricing page. Check both pricing pages for current plans.
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
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
Punchcard
- Keeps evidence and review in one place
- Citations show agent reasoning
- SOC 2 certified
- No public pricing
- Demo needed to start
- Only for audit and assurance work
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 Punchcard if you want:
- Keeps evidence and review in one place
- Citations show agent reasoning
- SOC 2 certified
Watch out: no public pricing.
Digits vs Punchcard FAQ
What is the difference between Digits and Punchcard?
Digits: AI-native accounting platform with autonomous bookkeeping. Punchcard: Audit workflow platform with an AI agent that prepares workpapers. Both are legal, finance & hr tools.
Is Digits or Punchcard cheaper?
Digits starts at $65/mo and Punchcard starts at See pricing page. Check both pricing pages for current plans.
Do Digits and Punchcard have free plans?
Digits: No. Punchcard: No.
Who makes Digits?
Digits is made by Digits, based in United States.
Who makes Punchcard?
Punchcard is made by Punchcard.
Which should I choose, Digits or Punchcard?
Choose Digits if you value books close with little manual work and clear real-time reporting. Choose Punchcard if you value keeps evidence and review in one place and citations show agent reasoning.