Back Office Guide

AI bookkeeping

AI that categorizes, reconciles and closes your books, on its own or with a human reviewer.

5 tools · Updated Oct 23, 2026

Digits

Paid

AI-native accounting software with 24/7 AI bookkeeping and reconciliation, bill pay, invoicing and a developer API and MCP.

Verdict. Best for owners who want books that keep themselves and a modern dashboard.

Published price. Essentials $65/month, Core $100/month, Pro $250/month (Pro marked coming soon). Checked Oct 22, 2026.

Puzzle

Paid

AI accounting that categorizes transactions, reconciles and drafts statements, with optional bookkeeper review from a vetted partner.

Verdict. Best for startups that want AI books with a human check available.

Published price. Starter $30/month, Core $72/month, Complete $120/month, Scale $360/month. Expert-reviewed bookkeeping from $171/month. Checked Oct 22, 2026.

An AI bookkeeper that works inside QuickBooks Online and Xero: daily bank-feed categorization, document matching, missing-document requests and OCR.

Verdict. Best if you want to keep QuickBooks or Xero and add AI on top.

Published price. $129 per business per month. Accounting-firm pricing on request. Checked Oct 22, 2026.

Pilot

Paid

Bookkeeping service where AI categorizes transactions, reconciles accounts and closes the books monthly, with a US-based bookkeeper on higher plans. Tax and CFO services are sold separately.

Verdict. Best for small businesses that want books done for them at a published price, starting with AI-only books.

Published price. Essentials $99/month (AI, cash basis, up to $100,000 in monthly expenses). Core with a US-based bookkeeper starts at $299/month billed annually and rises with monthly expenses. Custom on request. Checked Oct 23, 2026.

Zeni

Paid

AI bookkeeping plus a dedicated finance team, with AI bill pay, reimbursements, tax and payroll services as add-ons.

Verdict. Best for funded startups that want bookkeeping done for them, not software to run.

Published price. Starter from $549/month ($494 billed annually). Growth from $799/month ($719 billed annually). Enterprise custom. Checked Oct 22, 2026.