Digits Multi-Entity Review (2026): One Login for Every Entity, and No Consolidation Inside the Ledger

Digits launched Multi-Entity on 27 October 2026 and solved the part most small-business ledgers get wrong: separate books per legal entity, one organization, one bill. $65, $100 or $250 a month, plus $35 a month per extra entity — but the group report lives in another product, and no entity outside the United States can use any of it.

By Bookkeeping Reviews · Published October 29, 2026 · Last updated October 29, 2026 · 18 min read

What Digits Multi-Entity Actually Does

Digits Multi-Entity is a way to hold every legal entity a business or a client operates under one organization, one login, one subscription and one bill, while each entity keeps its own ledger, its own close and its own tax identity. That is the whole feature, and it is worth slowing down on, because the sentence contains two claims that are usually in conflict and here are not: the entity stays separate for compliance, and the group is managed as one thing by the people running it.

Digits announced it on 27 October 2026, in a blog post by founder and CEO Jeff Seibert and a press release datelined San Francisco. The framing in that post is the most useful thing about the launch:

"Adding entities is one of the most common reasons businesses outgrow small business accounting software, because those tools only understand the structure. We built Multi-Entity so every entity keeps the separate books that compliance requires, while owners and their accountants run the whole thing as one business."

That is a correct diagnosis of a real problem. A property investor with an LLC per building does not want five dashboards; a holding company with three operating subsidiaries does not want four logins and four invoices; a family office with several vehicles wants one place to look and several places to file. The incumbent answer is either an ERP, which is a different order of cost and implementation, or a spreadsheet that pulls exports from several subscriptions, which is where most groups of five to twenty entities actually live in 2026.

One organization, every entity

A business adds entities to a single organization; an accounting firm adds entities to a single client. Both sit under one subscription and one payment method, and users switch between entities without switching accounts. For a firm, the operational difference is bigger than it sounds: the client list stops being a list of company files and becomes a list of clients, some of which have several files inside them.

This is the part that competitors have not shipped at this price. QuickBooks Online gives you one company file per subscription and no grouping above it; Xero gives you one organisation per subscription and leaves consolidation to add-ons; Zoho Books is closer with branches, but a branch is not a legal entity with its own tax identity. Digits is not the first product to do multi-entity — NetSuite and Sage Intacct have done it for two decades — but it is the first AI-native, mid-market-priced ledger we have looked at that treats a group as the default unit rather than an enterprise upgrade.

Separate books for each entity — ledger, close and tax identity

Every entity keeps its own ledger, its own transactions, its own close and its own tax identity. Read that list carefully, because each item is doing work:

• Its own ledger means the chart of accounts, the transactions and the reports are the entity's, not a segment of a group ledger. Nothing has to be un-mixed at reporting time.
• Its own close means one entity can be closed for the month while another is still open, which is how real groups work — the property LLC with twelve transactions closes in an afternoon, the operating company with 400 waits for the payroll file.
• Its own tax identity means the entity is a filing unit, not a division. That is the compliance argument, and it is the reason "just use locations or departments" is not an answer for anyone with an accountant and a deadline.

The thing that is not separate is the billing and the login, and that is the trade Digits is selling: you stop paying per entity for the privilege of switching between them.

The Agentic General Ledger runs in every entity

Digits' continuous-bookkeeping engine, the Agentic General Ledger (AGL), runs in each entity rather than only in the primary one: transactions are categorized and reconciled continuously, so each entity's books stay current as activity arrives instead of being reconstructed at month-end. Practically, that is what makes a five-entity group manageable by one finance person — five month-end closes that each start from a bank feed are five projects, and five closes that start from current books are five reviews.

The company's own benchmark, published in 2025 and repeated on its site, puts its classification accuracy at 93.5% against under 70% for general-purpose models and 79.1% for outsourced accountants. We report that as the vendor's claim, not as a finding. But take the number seriously in the other direction: 93.5% means roughly one transaction in fifteen is still miscoded, and in a five-entity group that arithmetic multiplies by five. The review step is not a formality, it is the control.

The grouped view for accounting firms

A client that operates through several entities appears as one client on the firm dashboard, and firms can add entities to a client directly. Digits also gives firms roles and per-client permissions, so a junior can be kept inside one entity of a group while a manager sees all of them. For a firm billing per client rather than per company file, this changes both the workflow and the pricing conversation.

Who Actually Needs This

Digits named its own target list in the launch material, and it is a better list than most vendor segmentation because each item is a structure rather than a company size. Taking them one at a time, with what the product does and does not do for each:

• Real estate operators with an LLC per property. This is the strongest fit. Each property is a legal entity that must file separately, and most of them have low transaction volume, so the 250-transaction allowance is genuinely reachable and the $35 charge may never bite. One login for twenty doors beats twenty subscriptions.
• Holding company plus operating company. Works structurally — the holdco is quiet and the opco is busy — but this is where the missing consolidation hurts most, because the whole point of a holdco structure is a group position, and that means Reach Reporting.
• Special purpose vehicles. A clean fit on paper: an SPV is a separate legal entity with a small, bounded transaction set, often a single asset and a single lender, and the 250-transaction allowance covers most of them. Check the lender's reporting requirements before you commit, because they are usually more specific than any accounting product's standard reports.
• Family offices managing several vehicles. The grouping is right and the per-entity books are right, but a family office usually wants consolidated net worth by vehicle and by asset class across trusts, LLCs and funds, and that is a reporting build — Reach or a spreadsheet — rather than a switch to flip.
• Founders adding a second entity who do not want to move to a platform they will outgrow. This is the honest core customer, and the argument is sound: a founder who adds a second LLC at entity three or four should not have to buy NetSuite to avoid buying two subscriptions. Digits is priced for that moment.
• Accounting firms with multi-entity clients. A firm's benefit is different from a client's: one client row, entities inside it, per-client permissions, and one bill to reconcile. If your practice has twenty clients and six of them have three entities each, that is the pitch.

What all six have in common is US entities with US bank accounts and US-dollar books. Take that away and none of them apply, which is why the geography section below is not a footnote.

Pricing: $65, $100, $250 — and the Number That Actually Decides Your Bill

Digits publishes three business plans. Reviewed on 28 October 2026, the plan table reads as follows, and the multi-entity line is identical on all three: unlimited entities, each additional one free to 250 transactions a year, then starting at $35 a month.

Worked example 1: five entities, 400 transactions a year each

Take a US group with five LLCs — a holdco, two operating companies and two property entities — each averaging 400 transactions a year, which is a little over one a day and far below what a busy entity actually does. The primary entity sits inside the base plan; the other four each exceed the 250-transaction allowance and therefore each pay the extra-entity price.

Worked example 2: five entities, 200 transactions a year each

The same group, with quieter entities — 200 transactions a year each, about 17 a month. Now all four additional entities sit inside the allowance and cost nothing at all.

Three conclusions come out of those two tables, and the third is the one that matters commercially.

First: at real volume, Digits is cheaper than per-entity software, and not by a little. $35 for a second entity against $65 for a second subscription is a 46% saving on every entity you add, and it compounds — a ten-entity group pays $65 plus nine times $35, which is $380 a month rather than $650. That is a genuine structural advantage over QuickBooks and Xero, neither of which sells a discount for the second company file.

Second: the difference between the two examples is $1,680 a year, and it is decided by transaction volume, not by entity count. That is an unusual pricing shape and it deserves to be understood before you sign: the cost of a group is a function of how busy its entities are, so a property portfolio of quiet LLCs is much cheaper than a services group of busy ones, even at the same entity count. Model your own numbers from last year's transaction counts, per entity, not from an average.

Third: "250 transactions a year" is about 21 a month, and almost nothing real stays under it. A single bank account with a card attached, a payroll run and a handful of bills will clear 21 transactions in a fortnight. So treat the free allowance as a courtesy for dormant companies, SPVs and newly formed subsidiaries, and treat $35 per month per operating entity as the planning number. Digits' phrasing — "free up to 250 transactions per year, then start at" — is accurate, and reading it as "small entities are free" is how a group ends up surprised in month two.

Is It Free?

No. There is a 30-day free trial on Essentials and Core, and no permanent free tier at any level. Thirty days is a normal, honest trial length and it is long enough to do the one thing that matters with a product like this: import one real entity, run it in parallel with your current process for a month, and compare the close.

What confuses the question is the extra-entity allowance, which is genuinely free but not what most people hear. An additional entity's first 250 transactions a year cost nothing. That is a real concession and it is the right shape for the structures Digits is targeting — a dormant SPV, a property LLC with twelve entries a year, a subsidiary formed in November that has not started trading. It is not a free tier, and it is not "multi-entity is free".

Three things to settle before the trial ends, none of which is on the public pricing page in a form you can rely on:

• How your extra entities will be metered. The threshold is per entity per year. Ask what counts as a transaction — bank lines, journal lines, bill and invoice lines, or all of them — because those definitions differ by a factor of two or three in most ledgers, and the difference is $35 a month per entity.
• What happens to the books if you stop paying. For a system that would hold five legal entities' general ledgers, this is the most important term in the contract after the price. Digits does not publish an answer we could find: ask whether the ledger goes read-only, whether it stays exportable, and in what format.
• Whether Reach Reporting starts charging at the same time. If your reason for moving is the group view, you are buying two products with two trial clocks and two billing dates. Align them, or you will be evaluating consolidation on a different schedule from the books.

For context on genuinely free: Zoho Books has a real free plan under US$50,000 of revenue and Wave is free for core bookkeeping in the US and Canada. Neither has a multi-entity structure, and neither pretends to. Digits is not competing on free; it is competing on what a group costs.

The Part Digits Does Not Do: Consolidation

This is the section to read twice, because it is the gap between the headline and the product.

Digits Multi-Entity gives you every entity in one place. It does not give you the group's numbers in one place. For consolidated reporting, Digits has partnered with Reach Reporting, a reporting platform built for accounting firms and finance teams. Customers connect their Digits entities to Reach, which rolls them into one consolidated view — consolidated financial statements, dashboards, budgets and forecasts — with drill-down from the group total back to any single entity. Reach's chief executive, Justin Hatch, is quoted in the launch release describing the combination as one picture of the business.

That is an honest, working answer, and Reach is a real product with a real installed base among firms. But be clear about what you are buying:

• It is a second subscription. Digits does not publish Reach's price, and Reach's own pricing is Reach's to set. Your "one bill" covers your entities. It does not cover your consolidation.
• It is a second mapping. Connecting entities to a reporting layer means mapping charts of accounts, entity hierarchies, and the fiscal periods on each side. That is a project, and it is the same project whether you are on Digits or on five QuickBooks files.
• It is a second vendor in your audit chain. If a lender, an investor or an auditor asks how the consolidated number was produced, the answer runs through two systems owned by two companies.
• Intercompany is the question nobody has answered publicly. Consolidation is not addition: it is addition plus elimination of intercompany balances, intercompany revenue and unrealised profit. We found no published description of how Digits records due-to and due-from between entities, or where eliminations happen — in Digits, in Reach, or in a journal someone writes by hand. Ask. For a holdco and an opco that lend to each other, this is the whole exercise.

The contrast with the enterprise products is worth stating precisely, because it is where a group of thirty entities will end up. NetSuite and Sage Intacct ship consolidation, elimination and multi-currency translation inside the product, with an audit trail designed for auditors rather than for owners. Digits ships none of that natively, has published nothing about audit-trail depth at that scale, and — as its own documentation states — does not currently support multi-currency accounting at all, which means a group with a Canadian or UK subsidiary cannot consolidate in Digits even with Reach attached. That is not a criticism of the design; it is a clear statement of the ceiling. Digits is a multi-entity ledger for US groups. It is not a consolidation engine.

Pros & Cons

5 Best Digits Multi-Entity Alternatives

Comparison Table

Who Should Not Buy This

The disqualifiers are absolute rather than gradual, which is why the rating is 3.5 and not higher.

1. Anyone whose entities are not in the United States

Digits states that its services are currently available only to US-based entities, and its documentation adds that it is built for US bank accounts and US dollars. If you are reading this in Hong Kong, London, Singapore, Sydney, Toronto or Berlin, the review ends here — not because the product is weak, but because it will not accept your company. No country list, no sequence and no dates have been published for expansion, so there is nothing to plan around.

2. Any US group with an entity in another currency

This is the disqualifier most US readers will miss. Digits documents that it does not currently support multi-currency accounting. A US parent with a Canadian subsidiary, a UK branch or euro-denominated contracts cannot keep those books in Digits, which means the group cannot be consolidated there either, Reach Reporting or not. If your structure is USD-only and US-only, ignore this. If it is not, this decides it.

3. Anyone who needs payroll, payroll tax or tax filing

There is no payroll processing and no return filing. Digits connects to around twenty payroll providers — Gusto, ADP, Paychex, Paylocity, Justworks and others — and pulls the results into the ledger, which is useful and is not payroll. In a multi-entity group each entity has its own payroll registrations and its own filings, so this is not one gap; it is a gap per entity. Budget a payroll provider and a tax preparer outside Digits, and note that nothing we read describes a 1099 or contractor reporting workflow.

4. Anyone who needs consolidation to be native

If the group report is the reason you are buying, you are buying two products from two vendors. That is workable and it is what Digits recommends, but it is not what "one organization, one bill" leads you to expect. Groups with lenders, investors or auditors who ask how the consolidated number was produced should weigh a platform that does elimination inside the ledger.

5. Groups where custom reports and dashboards are the deliverable

On the published plan table, custom reports and custom dashboards appear at Core as a firm-partner item and become standard only on Pro — which is marked coming soon. A group that needs investor-ready management reporting this quarter is buying Core plus a reporting tool, and the reporting tool is Reach.

6. Groups at the scale where the ceiling is the product

Thirty entities, multiple currencies, consolidation, eliminations, a group audit and a controller who needs an audit trail an auditor will accept: that is NetSuite or Sage Intacct territory, and Digits has published nothing about controls at that scale. Digits' own positioning is a business that would otherwise outgrow small-business software — not one that has already outgrown it.

Migrating a Group onto Digits: the Real Sequence

The $65 is the cheapest part of this decision, and multi-entity migration is materially harder than single-entity migration because you are reconciling six histories to each other as well as to a new ledger. Here is the order that works, based on what Digits documents and what groups actually hit.

1. Pick the cutover date and the primary entity

Choose a period boundary — month end, quarter end, or your fiscal year end — and migrate every entity to it. Staggered cutovers across a group are how you end up with an intercompany balance that matches on nobody's books. Decide which entity is the base-plan entity first, since the others are priced as additions.

2. Inventory each entity properly

For each one: legal name, EIN, fiscal year end, chart of accounts, every bank and card account, payroll provider, and any revenue or spend platform (Stripe, Ramp, BILL, Mercury). Write it down in one list. This document is the migration plan, and it is also the thing that tells you your transaction counts per entity — which is your actual bill.

3. Know which import path each entity gets

Digits documents a direct QuickBooks Online connection that imports transactions, balances and the chart of accounts up to a cutover date, and CSV import of the chart of accounts and historical transactions for Xero, Puzzle and other platforms. The QuickBooks route is a one-time migration at cutover, not an ongoing two-way sync — normal, and worth stating because some buyers assume otherwise. A group migrating from a mix of systems will therefore have a mix of migration qualities.

4. Connect the banks, cards and platforms per entity

Bank and card connections run through Plaid across 12,000+ institutions, and the direct integrations — Mercury, Ramp, Gusto, BILL, Stripe — are connected per entity. Do this before you load history so the current month reconciles from day one rather than being reconstructed later.

5. Decide how intercompany is recorded, before anything else

This is the step groups skip and regret. If the holdco funds the opco, or one entity invoices another, you need a convention: which accounts carry due-to and due-from, whether intercompany revenue is recorded gross, and who eliminates it. Digits has published nothing on this, which means the convention is yours to design and Reach's to consolidate. Write it down, apply it identically in every entity, and reconcile the balances to each other at the cutover date.

6. Lock periods, then load history

Use Locked Periods deliberately: once a period is locked, every edit — human or agent — becomes a proposal in a review queue that an admin approves. Lock the periods you have already filed before you start importing, so that no reclassification can land in a closed month while you are still setting up. The feature was built for exactly this, and a multi-entity migration is where it earns its keep.

7. Run one parallel close, then move

Close one month in Digits and in the old system for every entity, and compare trial balances line by line. If your group needs consolidation, connect Reach in the same month so you can compare the consolidated number too — a group that reconciles per entity but not in total has not finished migrating. Only retire the old system after that close is clean.

8. Ask three questions in writing

• How are my extra entities metered? Per entity per year, and what counts as a transaction.
• What do I get if I leave? A general ledger and trial balance export per entity, with attachments, in a format another system can ingest — and what happens to the books if the subscription lapses.
• Where does elimination happen? In Digits, in Reach, or by journal. Get a named answer, because it is the question your auditor will ask.

Evidence & Test Log — checked October 28–29, 2026

What we did and did not do. We did not subscribe to Digits, did not open a trial, did not connect a bank account and did not run a single real set of books — for one entity or for several — through the product. Nothing here is our measurement of accuracy, speed, time saved or cost. Every figure comes from Digits' own published material read on 28 and 29 October 2026: the launch blog post and press release dated 27 October 2026, the plan comparison on Digits' pricing page, the Digits AI-info page and Help Center pages on availability and MCP, and secondary reporting from CPA Practice Advisor and industry coverage on 28 October 2026. Competitor prices come from those vendors' public pricing pages or from our own published reviews, and are dated in the text.

Specs and limits that decide the purchase

What we could not verify, and would not guess. We could not verify how transaction counts are metered for the 250-a-year allowance, or what the price bands above "from $35" are. We could not verify how intercompany balances are recorded between entities on Digits, or where and how eliminations happen once Reach Reporting consolidates. We could not verify Reach Reporting's price, its mapping effort for a five-entity group, or whether it is sold per entity or per group. We could not verify AGL classification accuracy on a real multi-entity chart of accounts, how many corrections it takes to stop repeating a mistake, or whether learning is per entity or across the organization. We could not verify what happens to five entities' ledgers if the subscription lapses, or what export exists on exit. We could not verify any audit-trail behaviour under group close conditions, and we could not verify how Locked Periods behaves across five entities closing on five different dates. We ran no books, so nothing here is our own measurement.

Frequently Asked Questions