Quick Answer
Decimal AI combines automation with dedicated human accountants for complete small business accounting including bookkeeping payroll tax preparation and fractional CFO services. Essential from $349/month. US small business focus.
What It Does
Decimal AI automates transaction importing and initial categorization from connected financial accounts, provides dedicated human accounting team review and management of all financial records, handles monthly bookkeeping and reconciliation, manages payroll processing for small business employees, prepares and files federal and state business tax returns, provides fractional CFO advisory services for financial strategy, delivers monthly financial statements and management reports, manages accounts payable and receivable, provides real-time financial dashboard for business owners, and offers catch-up bookkeeping for businesses behind on their books.
What It Cannot Do
Decimal is a managed accounting service not self-service software — business owners hand off their accounting rather than doing it themselves. Pricing is higher than pure software solutions like QuickBooks or Xero. Response times for complex questions depend on the assigned accounting team. Currently focused on US small businesses.
Who Is It For
US small business owners who want to completely outsource their accounting function to a professional team supported by AI without managing accounting software themselves. Particularly suitable for service businesses e-commerce companies and startups that want accounting handled end-to-end.
About Decimal AI
Decimal is a modern accounting service that combines AI automation with human accounting expertise to provide small businesses with a comprehensive finance function at a predictable monthly price. Unlike pure software solutions that leave accounting decisions to business owners, Decimal assigns a dedicated accounting team supported by AI tools to each client. The AI handles routine transaction processing and categorization while human accountants review the work provide strategic advice and handle complex accounting decisions. Decimal offers a broader scope than most bookkeeping services including payroll, tax preparation, and fractional CFO services, making it a one-stop shop for small business accounting needs.
Pricing and Access
Essential $349/month for bookkeeping and financial statements. Growth and Scale plans add payroll tax preparation and CFO services at higher price points. US only. No free trial — satisfaction guarantee offered.
Platforms
How AI Works
HybridFounded
2020
Headquarters
Indianapolis, USA