Comparison · verified August 2026

Nalo vs Digits: the real difference is who owns the books.

Digits is a serious product — well funded, mature, and built as an AI-native general ledger. That is exactly the decision it asks of you: migrate, and Digits becomes your system of record. Nalo asks for less. It runs beside the books you already keep, shows its evidence, and lets you judge it before you commit to anything. Every claim below comes from each company’s own published pages as of August 2026.

What happens to your ledger

Digits: Digits becomes your system of record. After migration, the QuickBooks connection is archived and no longer syncs.

Nalo: Your ledger stays yours. Nalo reads the bank feed directly and syncs QuickBooks Online read-only — you can run both and compare.

Firm pricing

Digits: Published, per client per month. A solo practice (up to 50 clients) pays $35, $65, $100 or $250 by tier; a firm past 50 clients pays $50, $115, $185 or $250. Enterprise moves to custom outcome-based pricing on annual commitment.

Nalo: Published: $100 per client per month, $85 past your 24th client. Flat — no per-feature tolls, no automation-percentage billing.

How automation behaves

Digits: AI-native ledger with agentic close; approval workflows before posting.

Nalo: Bounded automation. Everything uncertain goes to a review queue; Nalo books on its own only small pattern-backed expenses — $200 or less, never income.

Evaluating before you commit

Digits: Free trial on business plans; firm onboarding is migration-first. No published free parallel-run for firms.

Nalo: A published free evaluation month: run Nalo in parallel on one or two clients and judge every disagreement yourself before paying anything.

Switching cost if it does not work out

Digits: High — your books live in Digits, so leaving means migrating a ledger again.

Nalo: Low — nothing migrated, so stopping costs you nothing but the comparison you ran.

Where Digits is genuinely ahead

Honesty cuts both ways. Digits has years of product maturity, a full double-entry ledger of its own, invoicing and bill pay, and a formal partner program with certification and a directory. If your firm wants to leave QuickBooks entirely and adopt a new system of record, Digits is built for that and Nalo is not. Nalo today runs cash-basis, bank-feed books with full balance sheet support in active development — see exactly what we do and do not do on the firms page before you spend time on us.

The way to settle it: run the month

You do not have to believe either marketing page. Run Nalo in parallel on one client for a month — it costs nothing, migrates nothing, and every disagreement shows its evidence so you can see which side was right.

The founding partner monthSee Nalo for Firms

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