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: Compare
Pilot is the largest startup bookkeeping firm in the US, and they are good at what they do. The structural difference is where your books live: Pilot provisions and manages a QuickBooks Online file for you. T:0 is the ledger itself.
Sign up today: The short answer
: Pilot
Pilot gives its customers services plus software on top of QuickBooks Online. Their AI Accountant categorises and reconciles inside a QuickBooks file they set up, a bookkeeper reviews it, and you get reports 2-4 weeks after the month ends.
: T:0
T:0 gives you the ledger itself: rules written by AI, applied as transactions arrive, with books that are current to the hour rather than finished ten days after month-end.
: Side by side
Both give you software and people. The difference is whose ledger your books live in.
Comparison accurate as of 11/1/2026. Reviewed quarterly.
: Where T:0 is different
Pilot’s Core plan delivers reports on the 10th business day. For most months that means your January numbers arrive around 14 February. T:0 categorises and reconciles as transactions land, so there is no delivery date, because there is nothing to deliver. You open the books and they are current.
Usage-based pricing, annual prepaid contracts and subscriptions all need ASC 606 treatment. Revenue recognition does not appear in any of Pilot’s published bookkeeping tiers. T:0 includes it in every plan, built on the engine that processes billions of accounting records a year.
Pilot’s AI categorises inside a QuickBooks file and a bookkeeper reviews it. When you want to know why something was coded the way it was, you ask a person. In T:0 every entry traces back to a readable rule and the evidence the rule considered.
: Fair play
Pilot is the largest startup accounting firm in the US and there are several situations where they are the right answer:
Pilot has been doing this for years longer and counts OpenAI, Airtable and Scale as customers. For some founders and some boards, that matters more than architecture.
Pilot’s model is explicitly 50/50 people and software. Ours puts the software first, with CPAs available if you want them. Some founders prefer the former, and that is a legitimate preference rather than a misunderstanding.
: FAq
Pilot is a bookkeeping service that provisions and manages a QuickBooks Online file for you, with their own software and a bookkeeper on top. T:0 is the general ledger itself, with AI writing the categorisation rules, in-house CPAs reviewing them, and the books updating hourly.
Pilot Essentials is $99 a month for cash-basis books from your bank and cards. Their Core plan, which adds accrual accounting and a US-based bookkeeper, is priced on your monthly expense volume. T:0 is $199 a month for the platform and $599 for managed plans with a dedicated CPA.
Revenue recognition does not appear in any of Pilot’s published bookkeeping tiers. T:0 includes ASC 606 revenue recognition, including usage-based, in every plan.
With T:0, a shared Slack channel is included on managed plans. With Pilot, Slack access is listed under CFO services, which start at $1,750 a month.
Yes. T:0 offers tax filing, R&D credit and fractional CFO services alongside the platform. The difference is that they run on your own ledger rather than on a QuickBooks file.
