Decimal Review: Streamline Your Accounting with Experts for Faster Book Closings

Manual bookkeeping headaches slowing your growth?

If you’re stuck cobbling together separate tools and external accountants, your finance process probably feels disjointed and stressful. You’re likely here because you want bookkeeping, payments, and tax handled in one place—without building an in-house department.

After reviewing Decimal’s platform and service model, I found that fragmented accounting workflows waste hours and create error risk for founders and operators already stretched thin.

Decimal actually combines a dedicated team with AI-powered software, handling everything from accurate books to automated bill pay and controller support. My research shows their hands-on, integrated model directly fixes the inefficiency and stress that comes from juggling disconnected apps and advisors.

In this review, I’ll break down how Decimal centralizes your finance back office and what that means for your sanity and cash flow.

Through this Decimal review, you’ll learn about their features, plans, integration process, and the real differences versus traditional solutions.

You’ll get the insights and details you need to choose the features you need to streamline your financial operations and make your next steps with confidence.

Let’s dig into the full analysis.

Decimal Overview

Decimal has been around since 2019, based in San Francisco. What impressed me is their core mission: to replace your fragmented stack of bookkeepers, clerks, and tax preparers.

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My research shows they specifically target high-growth startups and e-commerce companies. These are businesses that have outgrown basic tools but aren’t yet ready to hire an entire full-time finance department.

What I found is their recent $61 million Series C funding shows serious market traction. For this Decimal review, it signals they have deep resources to innovate and support your growth.

Unlike competitors that are either pure software or a traditional firm, Decimal blends both. They combine their proprietary AI platform with a dedicated human finance team, which I believe offers a superior balance.

You’ll find them working with venture-backed startups and scaling e-commerce brands—organizations needing investor-ready financials without the complexity and high cost of building an internal accounting team.

From my evaluation, Decimal’s strategic focus is on delivering a complete, tech-enabled service. You aren’t just buying another tool; you’re getting an outsourced accounting partner truly aligned to your business goals.

Let’s dive into their core services.

Decimal Features

Disconnected financial operations cost you time and money.

Decimal combines technology with human expertise to deliver integrated accounting operations. These are the five core Decimal solutions that streamline your financial management and empower better decision-making.

1. AI-Powered Bookkeeping

Drowning in manual bookkeeping tasks?

Manual transaction tracking is error-prone and consumes valuable time monthly, preventing clear financial insights. This chaotic process hinders strategic growth.

Decimal’s AI-powered bookkeeping automates categorization; a dedicated bookkeeper reviews all entries. From my testing, this blend of AI and human oversight ensures accurate, GAAP-compliant books quickly. It handles reconciliations, too.

You gain highly accurate, investor-ready financials delivered days after month-end, giving immediate clarity for strategic planning.

2. Accounts Payable (AP) Automation

Invoice pile-up slowing you down?

Managing vendor bills manually causes late fees, duplicate payments, and administrative chaos. Email tracking is inefficient and risky.

Decimal’s AP automation centralizes invoices; forward them to a dedicated email. The platform extracts data, routing bills through your custom approval workflow. I found payments are scheduled and executed reliably via ACH or check.

You gain clear cash flow visibility and a robust audit trail, saving your team hours previously spent on manual tracking.

3. Accounts Receivable (AR) Management

Customers paying you too slowly?

Chasing down unpaid invoices is awkward and time-consuming, leading to unpredictable cash flow. Your team deserves better focus.

Decimal’s AR solution automates invoice creation and sends follow-up reminders. Payments are tracked, cash applied against open invoices. This is where Decimal shines: it offloads the entire collection process efficiently, keeping your AR accurate.

You improve cash flow by reducing collection time, freeing your internal team to focus on core activities.

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4. Controller Services

Need deeper financial insights?

Basic bookkeeping isn’t enough when scaling rapidly. You need sophisticated analysis, budgeting, and board-level reporting.

Controller Services, included in ‘Scale’, provides a dedicated accounting manager. They go beyond monthly closes, offering deeper analysis, budgeting, and complex accounting. From my evaluation, their strategic expertise is invaluable for scaling businesses.

You gain strategic financial insight without full-time Controller costs, supporting informed decision-making.

5. Business Tax Preparation & Filing

Dreading tax season year after year?

End-of-year tax filing is a stressful scramble, especially when handing messy financials to a new CPA. Errors are costly.

As a separate service, the same Decimal team managing your books also prepares and files federal and state tax returns. They intimately know your transactions, making the process efficient. What I love is how it simplifies year-end tax preparation immensely.

You get a seamless “books-to-tax” workflow, reducing error risk and eliminating year-end financial cleanup.

What I love about these Decimal solutions is how they create a comprehensive, integrated financial backbone for your business. This cohesion simplifies your entire accounting operation, ensuring consistency and accuracy across all areas, always.

Decimal Pricing

Worried about unclear software costs?

Decimal pricing offers transparent, tiered plans designed to scale with your company’s monthly operating expenses, providing a clear cost structure for your business needs.

Plan	Price & Features
Core Plan	$749 per month (billed annually) • Dedicated bookkeeper • Cash-basis bookkeeping • Monthly financial reports (P&L, Balance Sheet) • Integrations with QuickBooks, Gusto, Stripe
Growth Plan	$1,299 per month (billed annually) • Everything in Core, plus • Accrual-basis bookkeeping • Complex revenue recognition • Bill pay software access • Basic AR/AP tracking
Scale Plan	Custom Pricing • Everything in Growth, plus • Dedicated controller • Advanced financial reporting • Budget vs. actual analysis • Strategic financial guidance

1. Value Assessment

Is Decimal worth the cost?

From my cost analysis, their pricing aligns directly with your business growth, as tiers are based on monthly expenses. This means you avoid paying for oversized plans, ensuring your investment scales predictably with your needs. The combination of AI-powered software and a dedicated human team delivers a high-touch service beyond basic tools.

This approach ensures your budget supports your current operational scale, with clear pathways for expansion as your company grows.

2. Trial/Demo Options

Evaluate before you commit.

Decimal does not offer a free trial, which is typical for their high-touch, service-based model. Instead, you can “Get a Demo,” where their team assesses your specific needs. What I found valuable is how this personalized approach provides an exact quote, removing any guesswork about your potential monthly investment before you onboard.

This process helps you thoroughly understand the service fit before making a commitment, ensuring the investment aligns with your expectations.

3. Plan Comparison

Choosing your ideal plan.

The Core Plan is ideal for early-stage companies with up to $100K in monthly expenses needing reliable bookkeeping. For scaling businesses, the Growth Plan adds accrual accounting and basic AR/AP. What stands out is how the Scale Plan offers controller-level expertise for mid-market businesses over $250K in expenses.

This tiered structure helps you align Decimal’s capabilities and pricing to your precise operational and financial complexity.

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My Take: Decimal’s tiered pricing model, tied to monthly operating expenses, provides excellent transparency and scalability, making it ideal for high-growth startups and SMBs outgrowing basic bookkeeping.

The overall Decimal pricing reflects predictable value for growing businesses.

Decimal Reviews

What do actual users really say?

To understand what real customers think, I’ve analyzed numerous Decimal reviews from platforms like G2. This section provides an objective overview of common user experiences and overall sentiment you can expect.

1. Overall User Satisfaction

Users are overwhelmingly satisfied.

From my review analysis, Decimal maintains a strong 4.7 out of 5-star rating on G2, reflecting broad user approval. What stood out in customer feedback is how Decimal blends tech with human expertise, creating a highly valued service experience across its many reviews.

This indicates you can expect consistent, high-quality financial management, driven by expert human oversight that genuinely complements efficient AI-powered processes.

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2. Common Praise Points

Their dedicated team shines.

Users consistently praise the responsiveness and expertise of their dedicated bookkeeper team, noting it feels like an in-house extension. From my review analysis, proactive communication and accurate reporting are frequently highlighted, providing immense reliability based on reviews.

This means you gain expert financial insight and timely reports without the high cost of a full-time finance department.

3. Frequent Complaints

Some areas need improvement.

While praise dominates, some Decimal reviews mention the client-facing software portal could be more robust, desiring additional self-service reporting. What stood out in feedback is how some users want more self-service features, despite the service being human-led.

Additionally, some pre-revenue startups find the price point high. You should consider if these minor tech limitations or cost fit your business needs.

Overall, Decimal reviews reflect genuine user satisfaction with their unique service model, balancing technology with human expertise for comprehensive financial management. You can generally expect a positive experience.

Best Decimal Alternatives

Choosing the right financial operations partner is tough.

Finding the best Decimal alternatives means navigating varied service models and price points. From my competitive analysis, your choice hinges on specific business size, budget, and functional needs.

1. Pilot

Prioritizing strong brand recognition in tech?

Pilot is a very close alternative, especially appealing if your investors are already familiar with their established tech startup ecosystem presence. What I found comparing options is that Pilot offers a polished, sleek software interface and robust brand comfort, often at a comparable or slightly higher price point than Decimal.

Choose Pilot when brand familiarity and a highly refined user interface are critical for your venture-backed startup.

2. Bench

Seeking simplicity for a tighter budget?

Bench serves as a strong alternative for freelancers and small businesses with simpler financial needs. Alternative-wise, its focus on bookkeeping and basic tax is very budget-friendly, making it a significantly more affordable option than Decimal’s broader service suite.

Consider Bench if you’re a small business owner with straightforward accounting requirements and cost-effectiveness is your top priority.

3. Indinero

Need deeper strategic financial guidance?

Indinero targets more mature businesses requiring advanced strategic support. Alternative-wise, it offers extensive fractional CFO services, including M&A and strategic planning, going beyond typical controller functions. It’s generally higher priced than Decimal’s mid-tier plans.

Choose Indinero when your business needs C-suite level financial strategy and guidance, not just operational accounting management.

4. Botkeeper

Prioritizing AI automation in your books?

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Botkeeper emphasizes AI and machine learning to automate bookkeeping processes. From my competitive analysis, this alternative shines if your existing CPA firm uses their platform, or if you highly prioritize artificial intelligence automation over a dedicated human service model.

You’ll want to consider Botkeeper if AI-driven efficiency and integration with your current accounting firm are key factors.

The best Decimal alternatives depend on your specific business requirements and strategic priorities, rather than generic feature lists.

Setup & Implementation

Worried about new software deployment?

In this Decimal review, I’ll break down practical setup. Decimal’s onboarding is a structured, high-touch process designed for thorough integration, not a quick DIY approach. Let’s set realistic expectations.

1. Setup Complexity & Timeline

Is Decimal hard to deploy?

Decimal’s onboarding isn’t self-service; it’s a guided engagement that typically takes 2 to 4 weeks to be fully operational. My implementation analysis found this timeframe includes detailed discovery, initial setup, and crucial historical data cleanup, especially if your books are messy. This thorough approach ensures a solid foundation.

You’ll need to actively participate, answering questions about your business context and past transactions to ensure a clean starting point and smooth setup.

2. Technical Requirements & Integration

What technical hurdles exist?

You won’t need extensive IT expertise from your side; the Decimal team handles much of the heavy lifting. From my implementation analysis, you will need to grant secure read-only access to financial systems via APIs. This connects bank feeds, credit cards, payroll, and payment systems, which is the core technical part of Decimal’s implementation.

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Your internal team’s availability to approve access and clarify data points is critical. This ensures the integration phase proceeds efficiently.

3. Training & Change Management

How easy is user adoption?

Decimal’s ‘training’ isn’t about complex software features; it’s more about learning to communicate with your dedicated team and use their portal. From my analysis, the learning curve focuses on process shifts, like reviewing reports and approving bills within their system, rather than mastering new accounting software. This simplifies user adoption.

Prepare your team for process shifts and effective communication with your dedicated Decimal finance team. This approach ensures smooth adoption.

4. Support & Success Factors

What support will you get?

Decimal earns high marks for its supportive implementation process, consistently rated as a major strength. What I found about deployment is that their dedicated team provides proactive guidance, acting as an extension of your own. This high-touch support minimizes typical implementation headaches and ensures ongoing accuracy. User feedback praises their responsiveness.

Success hinges on leveraging their dedicated support. Maintain open communication and proactively share your evolving business needs for a smooth Decimal implementation.

Overall, Decimal implementation offers a structured, supported approach that mitigates common setup complexities. While not instant, this guided process ensures long-term clarity and operational efficiency, making it a strategic investment.

Who’s Decimal For

Is Decimal the right accounting solution for you?

This Decimal review section analyzes who benefits most from its unique blend of technology and human expertise. I’ll help you quickly determine if this software fits your business profile, team size, and specific accounting use case.

1. Ideal User Profile

Scaling businesses needing professional finance support.

While discussing your overall operations, understanding how ambulance management software can streamline specific industries is helpful. Decimal is tailor-made for scaling small to mid-sized businesses, particularly tech startups (SaaS), e-commerce companies, or professional service agencies earning $1M-$50M annually. From my user analysis, founders or heads of operations frustrated with manual financial admin will find immense relief. You’ll especially benefit if preparing for a fundraise or needing GAAP standards.

You’ll succeed here if you value accurate, reliable accounting without the overhead of a full-time in-house finance team.

2. Business Size & Scale

Optimizing growth for mid-sized operations.

Decimal targets companies with $1M to $50M in annual revenue, having outgrown basic bookkeeping but not ready for a full internal finance department. What I found about target users is that smaller operations might find the price point high, while larger businesses appreciate the robust dedicated team.

Your business is a good fit if you’re experiencing rapid growth that has broken existing processes and requires scalable, expert financial management.

3. Use Case Scenarios

Complex revenue streams and comprehensive financial ops.

Decimal shines when managing businesses with multiple revenue streams or complex transaction types like e-commerce sales channels, SaaS subscriptions, or diverse professional services. From my analysis, the software excels at handling intricate accounting complexities that overwhelm basic tools or unreliable freelancers.

You’ll find this works best when you need a single, accountable partner to deliver accurate and timely monthly financial reports.

4. Who Should Look Elsewhere

When Decimal isn’t the ideal fit.

If you’re a solopreneur or a very small business with minimal transactions, Decimal’s comprehensive service might be overkill and too costly. From my user analysis, pre-revenue startups or those with basic needs are better served by more budget-friendly options.

Consider alternatives like simpler bookkeeping tools if you need just a software solution or already have a robust in-house finance team.

The answer to who should use Decimal hinges on your growth stage and need for a reliable, comprehensive accounting partner, not just software. It targets those serious about scaling.

Bottom Line

Decimal offers a powerful finance solution.

This Decimal review reveals a robust hybrid approach, blending cutting-edge AI with expert human support. My comprehensive analysis shows its strength in providing reliable, integrated accounting operations for growing businesses.

1. Overall Strengths

Here’s what Decimal excels at.

Decimal’s standout strength is its seamless integration of AI-powered software and a dedicated US-based finance team. This hybrid model delivers accurate and timely financial reporting, freeing businesses from fragmented accounting. Users consistently praise the responsiveness and proactive expertise of their assigned bookkeepers.

These capabilities ensure you receive reliable, high-quality financial insights, effectively serving as an extension of your own internal finance department.

2. Key Limitations

Consider these few drawbacks.

While overwhelmingly positive, some users desire more robust self-service reporting within Decimal’s client-facing software portal. Additionally, the premium price point may be a significant hurdle for very small businesses or pre-revenue startups, despite the high-quality service provided.

These aren’t necessarily deal-breakers, but rather important trade-offs you must weigh against your budget and specific need for advanced self-service tools.

3. Final Recommendation

My clear recommendation for you.

Decimal is an excellent choice for high-growth startups, e-commerce companies, and SMBs outgrowing basic bookkeeping. If you seek reliable financial operations with dedicated expert support, Decimal is a strategic investment for scaling. It offers the benefits of an in-house team without the full overhead.

Your decision should align with the value of comprehensive, proactive financial management for your business’s future growth.

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Overall, this Decimal review confirms its position as a strong contender for businesses seeking integrated accounting operations. My assessment provides high confidence for its target audience, making it a viable consideration.