COMPARISON

Pilot vs Decimal: Which can I rely on?

Choosing the right bookkeeping and operations provider is crucial if you plan to grow. Decimal offers operational help and does light financial tasks. Whereas Pilot offers strong bookkeeping plus the whole package—investor-ready financials, tax filing, and help running payroll.

I am good at financial modeling. But Danielle at Pilot is a certified ninja.
— Leo Patching
CEO and Co-Founder, Kompliant
Watch Leo's story

See the differences

Pilot gives you true, trusted financials

Pilot’s customers love that they get a smart team of humans using AI automation to surface insights via our live dashboards, but also deep financial analysis. Pilot can also do your taxes, invoicing, bill pay, payroll, and more, with a goal of increasing revenue.

True financial insights

With Pilot, you get live dashboards showing your cash position, profit and loss, and vendors by spend. Because your books are human-certified, you can trust the numbers.

Strategic finance

Pilot’s CFO team can help you with company strategy, deck building, and financial modeling. They’ve helped companies raise $9 billion to date.

Integrated tax, compliance, and automation

Pilot is full-service: We can do your taxes, help you set up and track metrics, manage your payroll and invoices, and more.

Control over your data

Pilot backs up your data in QuickBooks so if anything should change, you aren’t locked in. Your data is yours.

Pilot is great for ...

Serious founders who can’t waste time.

Startups that need to know what investors want.

Businesses seeking strong, audit-ready compliance.

Business owners who want to grow.

Decimal lacks tax and strategic finance experience

Read the online reviews and you’ll see a theme: Decimal is an operations company that happens to handle some finance tasks. But if you are applying for the R&D tax credit, need to raise capital, and want an advisor who’s built companies before, they may fall short.

Wide breadth but little depth

Decimal is good for automating non-critical back-office tasks. But they aren’t a service that growing companies trust to help them make financial decisions.

No growth path

Decimal can advise on businesses generally. But if you’re in life sciences, advertising, junk-hauling, or anything outside basic retail, you may find yourself Googling answers.

Your data isn’t portable

Instead of using an industry standard like QuickBooks, Decimal has its own method. Your data isn’t transferable.

Decimal is a fit if …

You plan to stay small for now.

You are a business that deals in physical cash.

You have an appetite to check your own finances.

CUSTOMER STORY

Founders say Pilot actually saves them time

When Iba at Optimal AI launched her company, she had four weeks to get their books in order to raise money. She couldn't risk any missteps. She hired Pilot to clean up the bookkeeping, and they identified all sorts of other operational tasks like helping her hire. Iba impressed investors and raised $2 million.

We’ve been growing really quickly, and we’ve hired employees in different states and even different countries. Pilot helped with all the filings and made sure we were compliant.
Iba Masood
CEO and Co-Founder, Optimal AI

Founders say Pilot gives them confidence in the numbers

Pilot gives me confidence in our numbers. In a fast-moving startup, there’s no room for guesswork.

Know your financials are accurate

Pilot’s process ensures that the numbers you see are true and you don’t have to always double-check.

Pilot is a partner we can trust. After going through multiple accounting firms and a DIY effort, we couldn’t be happier.

Get advice that helps you grow

With Pilot, you get a whole team of experts so whatever arises with payroll, invoices, payments, fundraising, or company strategy, we can help.

I don’t think anyone would have any issue with our finances whatsoever, and that’s remarkable.

Rely on an enduring partner

Pilot has been around for eight years and 3,500+ businesses trust them to do their accounting, bookkeeping, and strategy.

Pilot is very cost-effective for us. Someone of Cole’s experience? And a whole team? Amazing. We aren’t ready for a full-time CFO, so this is perfect.
Jay Boyer
Managing Director, Facktor Healthcare
SEE THE DIFFERENCES

Founders love that Pilot doesn’t just do books—we help them grow

Founded
2017
2020
Focus
Strategic finance, bookkeeping, and operations for growing businesses
Broad-ranging operations and can handle finance tasks
Pricing
$600 – $2,000+ depending on size
Unavailable online
Point of Contact
Your bookkeeper, your controller, or chat through the app
General pool of customer support specialists
Team structure
Well-organized 20-person service operations team
Lean product, engineering, and onboarding teams
Automated Bookkeeping
✅ Yes, but always human-reviewed for accuracy
✅ Fully automated, but no CPAs on staff according to their website
CFO-Level Insights
✅ Expert-led, hands-on strategy and financial modeling
🚫 No mention of “CFO” or “strategic finance” on their website
Fundraising & 
VC-Ready Financials
✅ Investor-grade reporting, FP&A,
 due diligence support
🚫 Limited FP&A and strategic finance insights
Industry-Specific Expertise
✅ SaaS, eCommerce, AI, healthtech, and more
🚫 Limited to software companies, dentists, and retailers

Pilot vs Decimal — FAQ

What is the main difference between Pilot and Decimal?
Pilot is a full-service finance partner offering investor-ready bookkeeping, tax filing, compliance, payroll, AP/AR, and CFO support. Decimal is primarily an operations company that also handles basic financial tasks but lacks tax, strategic finance, and deep accounting expertise.
Does Pilot use automation like Decimal?
Yes. Pilot uses automation to streamline bookkeeping but pairs it with human review to ensure accuracy. Decimal also automates many back-office tasks, but its automation is more oriented toward operations than toward delivering audit-ready financials.
Which platform is more accurate: Pilot or Decimal?
Pilot is generally more accurate because all books are reviewed by trained experts, producing reliable, audit-ready financials. Decimal’s bookkeeping is lighter-weight and not CPA-led, which can leave accuracy gaps—especially for businesses seeking tax credits, compliance support, or investor-grade reporting.
Which is better for growing or venture-funded startups?
Pilot is the stronger choice for startups planning to scale, raise capital, or operate across multiple states or countries. Decimal is better suited for smaller businesses with simple needs and minimal compliance requirements.
Can Decimal replace a full accounting or finance team?
No. Decimal offers broad operational support, but its financial depth is limited. Companies using Decimal still need accountants, tax experts, or CFO-level guidance elsewhere. Pilot provides the full finance stack in one place.
What happens if my business becomes more complex or grows quickly?
Pilot scales with growth—handling multi-entity books, forecasting, state and international compliance, payroll across locations, metrics tracking, and strategic finance. Decimal does not provide advanced FP&A or CFO advisory, so fast-growing companies may outgrow its capabilities.
How does data portability compare between Pilot and Decimal?
Pilot uses QuickBooks, an industry-standard system that makes your books fully portable. Decimal uses its own internal methodology and does not build in QuickBooks, which makes it difficult to migrate cleanly if you switch providers.
Does Pilot include taxes, R&D credits, payroll, and CFO services?
Yes. Pilot offers a unified financial package that includes bookkeeping, tax filing, R&D credits, CFO strategy, fundraising support, payroll, invoicing, bill pay, and compliance. Decimal does not provide tax expertise, CFO-level insights, or in-depth financial modeling.
Which is more cost-effective for startups?
Pilot starts around $600–$2,000+ based on company size and needs. Decimal’s pricing is not published. While Decimal may cost less upfront, founders often need to hire additional tax, compliance, or financial strategy help—making Pilot more cost-effective for companies that want a complete solution.
Can I switch from Decimal to Pilot?
Yes. Many companies move from Decimal to Pilot when they need deeper financial accuracy or strategic guidance. Pilot can clean and rebuild historical books in QuickBooks to ensure full data integrity before ongoing bookkeeping begins.
Which option actually saves founders more time?
Pilot. Because Pilot manages bookkeeping, taxes, payroll, AP/AR, financial modeling, and investor prep in one place, founders avoid having to coordinate between multiple providers. Decimal handles some operations and basic finance tasks, but founders must do more manual oversight.
Who is Decimal best suited for?
Decimal is a fit for small businesses with simple operations, low compliance needs, or companies dealing in physical cash. It’s also suitable for founders who are comfortable reviewing their own numbers and don’t need investor-grade reporting.
Who is Pilot best suited for?
Pilot is ideal for companies planning to grow—startups, SaaS, AI companies, eCommerce brands, healthtech, and any business that needs accurate financials, strategic finance support, and integrated tax and compliance.
 Is Pilot better for companies preparing for fundraising or due diligence?
Yes. Pilot provides investor-ready financials, FP&A, forecasts, and strategic guidance, and has supported companies in raising more than $9 billion. Decimal does not offer CFO strategy or due-diligence-grade reporting.
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