DATA STUDY · NOVEMBER 2026
What AI bookkeeping software costs,
with the ledger underneath counted in.
AI bookkeeping software costs about $65 to $500 a month in 2026, but the sticker price misleads: several tools sit on top of QuickBooks Online or Xero, which you pay for too. ZeraBooks is $79 a month billed annually, with the general ledger, the AI and a statement converter in one plan. Booke AI plus QuickBooks Online comes to $167.
7-day trial · card required, nothing charged for 7 days · $79/month billed annually or $149 monthly
THE CHART
Monthly cost of AI bookkeeping, ledger included
Each bar is the lowest published monthly price for doing the books with AI, counting the accounting software underneath when the tool needs one. Tools that don’t publish a price, like Docyt and Rillet, are left off.
Prices in U.S. dollars a month, list prices as published. Booke AI is $129 per business; QuickBooks Online Simple Start $38; Xero Early $27; Zeni Starter from $494 billed annually and includes a finance team. Digits serves U.S.-based entities only and connects to bank feeds.
Try it on your own documents. One-week free trial, both apps included.
THE DATA
All 13 tools, as each vendor publishes them
| Tool | What it is | Published price (USD) | Checked |
|---|---|---|---|
| ZeraBooks | General ledger with AI bookkeeping and a statement converter | $79/mo annual, $149 monthly; 3 clients included | 2026-11-06 |
| Booke AI | AI bookkeeper inside QuickBooks Online or Xero | $129 per business a month | 2026-11-06 |
| Docyt | AI-native ERP with its own ledger | Quoted per property | 2026-11-06 |
| Digits | AI-native accounting with an automated ledger | Essentials $65, Core $100 | 2026-10-01 |
| Puzzle | Accounting software for startups | Starter $30 to Scale $360 | 2026-10-01 |
| Zeni | AI bookkeeping with a finance team | From $494 (annual) | 2026-10-01 |
| Rillet | AI-native ERP | Not published | 2026-10-01 |
| QuickBooks Online | Cloud accounting | Simple Start $38 to Advanced $340 | 2026-10-01 |
| Xero | Cloud accounting | Early $27 to Established $97 | 2026-10-01 |
| Dext | Document capture | $25.21/mo (250 documents) | 2026-11-05 |
| Hubdoc | Document capture for Xero and QuickBooks | $12/mo | 2026-11-05 |
| AutoEntry | Document capture in credits | $13 to $469/mo | 2026-11-05 |
| Nanonets | AI workflow platform in credits | Free with $50 credits, then $100/mo | 2026-11-05 |
Prices change often. Each figure was read on the vendor’s own pricing page on the date shown; check there before you buy.
WHAT IT MEANS
Reading AI bookkeeping prices without getting fooled
Ask first whether the tool is the ledger or sits on one. Booke AI says it is not a new ledger: it works inside QuickBooks Online or Xero, so its $129 is on top of that subscription. Dext, Hubdoc, AutoEntry and Nanonets capture documents and hand data to something else; none of them keeps the books. ZeraBooks, Docyt and Digits each keep their own ledger.
Then ask where the transactions come from. Most of these tools depend on bank feeds. ZeraBooks works from the statements you upload and proves each one against its printed opening and closing balance, which matters when a feed drops a month or a client hands you a shoebox of PDFs. ZeraBooks has no bank feeds, so if a live feed is the one thing you need, that is worth knowing up front.
Finally, count clients if you are a firm. ZeraBooks includes 3 client companies and charges $29 a month or $290 a year for each one after that. A firm with 7 clients pays $265 a month, or $2,108 a year on annual billing. Booke AI and Docyt don’t publish firm prices.
METHOD
How we priced them
- Source
- Each vendor’s own pricing page, on the date in the Checked column. No reseller or review-site prices.
- Price used
- U.S. list price a month for the lowest plan that does the job, before promotions and trials.
- Stacks
- Where a tool needs accounting software underneath, we added that software’s entry price.
- Data
- The full table, with trials and where transactions come from, is free to reuse under CC BY 4.0. It is linked under Sources below.
WHAT $79 DOES
A month of books, done from one message
This is what the ZeraBooks plan does for the price: Ask Zera imports the statements, categorizes, reconciles and closes the month in the AI bookkeeping app, and lists every change as it lands.
Who is buying AI bookkeeping software?
Mostly firms short on staff. The accounting and bookkeeping statistics for 2026 show why.
How much does AI bookkeeping software cost?
From about $65 to $500 a month for the tools that publish a price. ZeraBooks is $79 a month billed annually or $149 monthly, with the ledger included. Add-on tools like Booke AI cost $129 on top of QuickBooks Online or Xero.
Is AI bookkeeping cheaper than a bookkeeper?
The software is. A person still reviews the books, but the hours drop. If you’d rather hand the whole job over, ZeraBooks bookkeeping services start at $150 a month.
Does ZeraBooks need QuickBooks or Xero?
No. ZeraBooks is its own double-entry general ledger. It doesn’t sync with QuickBooks or Xero.
Can I reuse this data?
Yes, under CC BY 4.0. Credit “ZeraBooks, AI bookkeeping tools pricing” with a link.
Sources and further reading
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General Ledger and Converter, both included. $79 a month billed annually or $149 monthly after the trial.