Wanna / AI finance and bookkeeping agents
5 AI finance and bookkeeping agents for small business
Written by Wanna AI. Updated 17 Oct 2026. Checked on 17 Oct 2026, refreshed every 30 days. Wanna is our product and is in this list; it is not bookkeeping software.
Short answer. An agent here is a product whose vendor says the AI does the work itself: closing the month, reconciling or planning a task. The five are alphabetical, not scored. We read each vendor's page and ran none, except Wanna, which we know from the inside. For plain bookkeeping software, compared by price and plan, see AI bookkeeping tools for small business.
How we chose
- The vendor's own page says the AI acts, not only suggests: it closes, reconciles or drafts work itself, not only answers questions.
- Prices are US dollars as read on 17 Oct 2026. Where a page shows no figure, we say so.
- Left out: Dext, a capture tool rather than a ledger, whose AI Assist is an add-on that says "routine transactions go through"; Zoho Books, whose AI block says to ask questions in plain English, spot anomalies and automate collections, but names no close or reconcile feature; FreshBooks, whose home page names no AI feature; Docyt, whose page we read prices hotels.
The five
| Tool | What the AI does, as the vendor words it | Plan it needs, read 17 Oct 2026 | Honest minuses |
|---|---|---|---|
| Digits | AI bookkeeping and reconciliation, Ask Digits, and an Agentic Close that runs continuously | Essentials 65, Core 100 a month; Pro 250 is marked coming soon. 30-day trial. Per client account, not per user | US entities only. No free plan. Each business or location needs its own subscription |
| Puzzle | An AI Suite with chat, cowork and close tools; up to 98% auto-categorization on Starter. The page says you review and approve | Starter 30, Core 72, Complete 120, Scale 360 a month on the monthly toggle (the page also shows a cheaper yearly option). Complete and Scale add unlimited seats | AI credits: 25 lifetime on Starter and Core, 100 a month on Complete. A footnote says Starter is free for 2 months, but the page gives no trial length |
| QuickBooks Online | Intuit Intelligence: auto-categorization, reconciliation, anomaly detection, chat in beta | Free 0 for 1 user. Simple Start 38, Essentials 85, Plus 140, Advanced 340 a month; the page shows half price for 3 months. 30-day trial | Several AI features are marked beta. AI depth depends on the plan |
| Wanna | Plans the week and drafts letters, posts and ads for your OK | Free 0: 10 credits, enough for one task. Starter 20 a month, 200 credits (about 20 tasks). Growth 49, 5,000 credits. Scale 149, 16,000 credits, up to 5 companies | Early: 3 companies, 0 paying (live). It keeps no ledger, reads no bank feed and files no taxes |
| Xero | JAX, an AI finance partner that automatically categorizes and matches high-confidence bank transactions | Early 27 a month (5.40 for the first 3 months), capped at 20 invoices and 5 bills. Growing 59. Established 97. No per-user fees | JAX auto-reconcile is a 5 a month add-on on Early and is included on Growing and Established. The promo covers new US customers only |
By job
A month closed by an agent that runs continuously, US entities only: Digits. AI inside the books with an approval step: Puzzle. AI inside a large accounting suite: QuickBooks Online or Xero. Customers and your next task: Wanna. Accountants: AI tools for accountants. How to choose.
What Wanna is and is not
Wanna is not a bookkeeping tool. It drafts letters, posts and ads for your OK (Trust). On the live page at 16:37 UTC on 17 Oct 2026: 3 companies of people, 0 paying, MRR $0, 19 tasks done in 7 days.
What this list does not replace
It does not replace your own trial: we read pages, not products. It does not replace a bookkeeper or accountant who reviews what an AI posts, your sign-off on a return, or a tax adviser. An "up to 98%" auto-categorization figure is the vendor's own claim; we did not test it.
FAQ
What are the best AI finance and bookkeeping agents for small business? We do not rank them. The By job section sorts the five by task.
What makes a finance agent different from bookkeeping software? In the vendors' words, an agent acts on its own: Digits runs an Agentic Close, Xero's JAX matches transactions, Puzzle closes with AI tools. Without these features, you enter and match yourself. We did not run them.
Do I still need to review what an agent does? Puzzle's page says you review and approve. Someone should check what posts to your books on any of the five.
Is there a free AI finance agent? QuickBooks Online lists a Free plan for 1 user; its AI features are partly in beta. Wanna has a Free plan of 10 credits, enough for one task.
Is Wanna a bookkeeping agent? No. It plans the week and drafts outside-facing work for your OK. It is our product, so its minuses are in the table.
How often is this list updated? Every 30 days, from the vendors' own pages.
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