Tech-Forward Pricing vs. Real Quality
Decimal Review (2026): Pricing, Public Reviews & Better Alternatives
Decimal offers tech-forward bookkeeping services with tier prices reported around $395 to $795 per month (Decimal publishes no prices — its pricing page is a quote-only form as of Aug 24, 2026), designed for SaaS startups and growth-stage businesses that want software-led automation alongside human oversight. In this blog, we provide an objective review of Decimal, compare it with Maxim Liberty, and outline the key differences to help you make an informed decision. You’re a SaaS founder, growing fast, looking for a tech-forward bookkeeping partner. Decimal pitches itself as the modern alternative — software-led, automated, dedicated bookkeeper, reportedly $395 to $795+ per month (not published on decimal.com). It sounds clean. Then you go check the public reviews and find a TrustPilot score of 2.9 stars based on 2 reviews — including one from a 30-year industry veteran calling the books “a mess at year end” that needed to be reconstructed.
If you’d rather hand the books to a dedicated human team, see our virtual bookkeeping services — from $75/month, in the accounting software of your choice.
This 2026 review of Decimal takes that gap seriously. We compare Decimal’s pricing tiers and target market against the public review evidence on TrustPilot and Glassdoor — and against an established US-headquartered alternative (Maxim Liberty) that delivers comparable services at a fraction of the price, with a 5.0 rating from 14 verified Clutch reviews plus 4.9 out of 5 across 92 reviews on Trustindex.
Transparency Note: This review is researched and published by Maxim Liberty. While we are a direct competitor, we have utilized objective pricing data, BBB ratings, and verified customer reviews to provide a fair market analysis of the best bookkeeping services available. Every third-party fact on this page is sourced and dated, and quotes are verbatim and linked. Ratings, pricing and company details change over time, so please check the linked source before relying on any figure. If you find an inaccuracy, tell us and we will correct it.
What Is Decimal?
Decimal is a US outsourced accounting provider that pairs a software platform with a human bookkeeping team, aimed at small and mid-sized businesses that want the month-end close handled for them rather than run in-house. It sells tiered monthly plans rather than hourly work, and has grown partly by acquiring smaller regional bookkeeping firms and operating them under the Decimal name.
Published plans run from $395/month to $795+/month, with custom quotes above that. The practical question for most buyers is not whether Decimal can do the work — it is whether the entry tier covers enough scope at that price, and what happens to the cost as transaction volume grows. That is what the rest of this review examines.
At a Glance: Decimal vs. Maxim Liberty
| Factors | Decimal | Maxim Liberty | The Advantage |
|---|---|---|---|
| Customer Rating |
2.5 weighted average
2.9 (Trustpilot, 2 reviews)2.4 (G2, 6 reviews) No Google Business listing found (checked 13 September 2026). Weighted across 8 public reviews.
|
4.9 weighted average
Trustindex 4.9 (92)Clutch 5.0 (14) Trustindex aggregates Google (57), Trustindex (10), Yelp (9), G2 (7), Facebook (5) and BBB (4)
|
Higher Quality & Volume |
| BBB Rating | BBB A+ accredited vs. none | ||
| Entry-Level Pricing | $395/month | $75/month plus $15/hour as needed | 5.3× cheaper |
| Top Tier Pricing | $795+/month | Custom plans typically $1,500–$2,500/month | Compare scope, not price, at this tier |
| Service Model | $395–$795/month reported (no published pricing as of Aug 24, 2026) | Hourly billing + monthly retainers, fully custom | Pay only for work performed |
| Target Market | Small businesses, SaaS, e-commerce | Solopreneurs, startups, mid-market, CPA firms | Wider access — no revenue gatekeeping |
| Refund Policy | Not publicly stated | 100% money-back guarantee on 1st retainer, refundable on the unused balance | Published guarantee vs. nothing stated |
Decimal pricing and details per decimal.com, retrieved July 19, 2026. Maxim Liberty pricing per our pricing page.
The Verdict: Real Customer Experiences
How these quotes were selected. We show the 5 most recent worst reviews over the past 3 years for each provider — or all of them where fewer exist. The same rule is applied to both companies, and quotes are reproduced verbatim (and, where long, truncated) from the linked public sources — Decimal reviews from Trustpilot, Maxim Liberty reviews from our Trustindex profile and Clutch. Each quote links to its source; where a platform does not publish per-review permalinks, we link to the review profile it appears on.
A note on sample size: Decimal has only two Trustpilot reviews in total, and both are shown here. Two reviews is far too small a sample to characterise a company’s service, and should be weighed accordingly. Note also that Trustpilot displays a TrustScore of 2.9 for Decimal even though both reviews are one star: TrustScore is a weighted figure that factors in review age and volume, not a straight average (verified on Decimal’s Trustpilot profile, 10 September 2026).
Why the worst reviews rather than the best? Every bookkeeping provider can point to happy customers, so a five-star review mostly tells you what the service looks like when nothing goes wrong. When you hand a firm your books, the risk you are actually buying against is what happens when something does go wrong — whether errors get corrected, whether filing deadlines slip, and whether anyone answers when you chase them. The most critical reviews are the fastest way to see that, which is why we apply the same worst-case test to our own record on this page.
Why our column shows 5-star reviews: Maxim Liberty has not received a review below 5 stars in the last three years, so these are our worst. Our two 4-star reviews date from February 2019 and March 2022, and our only 1-star review is from October 2017 — all three are public and readable in full on our Trustindex profile, which shows 4.9 out of 5 across 92 reviews (89 five-star, 2 four-star, 1 one-star).
“Great sales team, really lovely people to work with… but the actual bookkeepers are tremendously incompetent. Absolutely wrecked my books by failing to follow GAAP. The financial data and insights necessary for the successful operation of my business were worse then non-existent: they were wrong!… Stay far, far away from this train wreck of an operation.”
“Maxim Liberty Services was easily the best investment I made last year in my bookkeeping firm. Outsourcing my bookkeeping has freed up so much of my time to support even more growth.”
“I’ve run businesses for 30+ years and have worked with developing products for accounting firms… I had a company chose Decimal and the whole process was seemed to be problematic and the experience was poor. The books were a mess at year end and needed to be reconstructed, most calls I had dropped in on were unfriendly, the customer service was frustrating from the account management.”
“Rockstars! What an awesome solution for a small business… Reliable, friendly, professional, and fairly priced.”
Decimal Pricing: What You Actually Pay
Based on Decimal’s earlier public marketing and third-party reviews — note that decimal.com itself publishes no prices (its pricing page is a quote form, checked Aug 24, 2026), so confirm current rates directly:
- Core Plan — $395/month. Basic bookkeeping for small businesses with simple needs.
- Startup Plan — $500/month. A discounted tier targeting high-growth SaaS and e-commerce companies.
- Pro Plan — $795/month. Full accounting operations, including bookkeeping, bill pay, and additional features.
- Custom / Enterprise — $1,000+/month. For larger or more complex engagements.
In short: Decimal’s cheapest tier costs more than 5× Maxim Liberty’s $75/month entry pricing — and the public review data suggests the price doesn’t always translate to quality.
Pros and Cons
✓ Pros
- Modern technology stack and automation-first approach
- Dedicated bookkeeper assigned to each account
- Bundled bill pay and basic tax services in higher tiers
- Targets high-growth SaaS and e-commerce specifically
✗ Cons
- TrustPilot score of just 2.9 stars
- Only 2 public TrustPilot reviews — minimal third-party validation
- Notable negative review from an industry veteran citing year-end book reconstruction
- Entry pricing of $395/month is 5× higher than Maxim Liberty’s $75/month
- No publicly-stated money-back guarantee
Decimal Alternatives Worth Comparing
Maxim Liberty is our recommended alternative — but the right fit depends on your stack and stage. Here are the four worth shortlisting in 2026:
- Maxim Liberty — best overall Decimal alternative. Human-led bookkeeping in your QuickBooks, Xero, or Sage account from $75/month, cash or accrual basis, with catch-up included and a 100% money-back guarantee on 1st retainer, refundable on the unused balance. 20+ years in business, BBB A+ accredited, and #1 on the 2026 Clutch Leaders Matrix.
- Bench — most turnkey proprietary platform. Bookkeeping Grow from $199/month for businesses under $250K in revenue; Core from $399/month, Core + Tax from $599/month, all billed monthly (per bench.co, retrieved Aug 30, 2026); now owned by Employer.com, which has consolidated brands under MainStreet, though the site still brands as Bench.
- Pilot — best for VC-backed startups. AI-driven bookkeeping from $99/month, human-led Core from $299/month billed annually (per pilot.com/pricing, retrieved Aug 28, 2026).
- Bookkeeper360 — best for bundled HR and payroll. US-based team with dashboard tooling from $399/month (bookkeeper360.com, Jul 2026).
Frequently Asked Questions
How much does Decimal cost?
Decimal’s pricing runs from $395/month to $795+/month, with custom enterprise quotes above that range.
Does Decimal offer a money-back guarantee?
No publicly-stated money-back guarantee or trial period is documented on Decimal’s public marketing. Maxim Liberty offers a 100% money-back guarantee on 1st retainer, refundable on the unused balance.
How many public reviews does Decimal have?
As of this 2026 review, Decimal has 2 TrustPilot reviews at a 2.9-star rating. By contrast, Maxim Liberty maintains a 5.0 rating from 14 verified Clutch reviews plus 4.9 out of 5 across 92 reviews on Trustindex, BBB A+ Accreditation, and recognition from Forbes Advisor.
Is Decimal BBB Accredited?
Decimal does not have a prominently linked BBB profile. Maxim Liberty is BBB Accredited with an A+ rating.
Who is Decimal best for?
Decimal targets small businesses, saas, e-commerce. Businesses outside that target — solopreneurs, CPA firms looking for white-label support, or budget-conscious mid-market companies — may find Maxim Liberty’s hourly model and entry pricing of $75/month a better fit.
The Bottom Line
Decimal offers $395–$795/month reported (no published pricing as of Aug 24, 2026) aimed at small businesses, saas, e-commerce. The service scope is comprehensive on paper. The challenge is the public review evidence: limited TrustPilot depth for the price level, plus no publicly-stated money-back guarantee.
For most growing businesses — especially CPA firms looking for white-label bookkeeping, e-commerce companies, professional service firms, and SaaS startups — Maxim Liberty delivers comparable scope at $75/month plus $15/hour as needed, backed by a 5.0 rating from 14 verified Clutch reviews plus 4.9 out of 5 across 92 reviews on Trustindex, BBB A+ Accreditation, named CPA testimonials, and a 100% money-back guarantee. The math is simple: substantially more public proof of quality, at a fraction of the cost.
See also: our reviews of Pilot.com, Bench Accounting, QuickBooks Live, Bookkeeper360, and the best bookkeeping services compared head-to-head.
Outgrowing Decimal’s $395-$795+/month tiers?
Get human-led, hourly-rate bookkeeping with predictable pricing from a dedicated US-HQ team at Maxim Liberty — starting at $75/month plus $15/hour as needed, backed by 20+ years of experience, BBB A+ Accreditation, and a 5.0 rating from 14 verified Clutch reviews plus 4.9 out of 5 across 92 reviews on Trustindex. As an hour-based outsourced bookkeeping company, Maxim Liberty publishes its rates and works inside your own software.