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Pilot

6.4/10

Pilot is a US bookkeeping, tax, and CFO service for startups and small businesses. It pairs software with human accountants and charges by monthly expense volume.

Data last updated November 2026 · Our methodology

Overview

Pilot is a San Francisco company founded in 2017. It sells outsourced bookkeeping as a managed service rather than as self-serve accounting software. Its bookkeepers work in a QuickBooks Online file that Pilot sets up and maintains, and they close the books each month. Customers see financial reports, dashboards, and an AI assistant through the Pilot portal. The entry Essentials plan costs 99 dollars a month and covers businesses with up to 100,000 dollars in monthly expenses. It does cash-basis books from bank and card feeds and offers in-app support only. Core adds a US-based bookkeeper, accrual accounting, a custom chart of accounts, and reports by the 10th business day. Core's price was not clearly shown on the pricing page. Custom is quoted by sales and adds full AR and AP, payroll administration, and faster reporting. Tax filing for LLCs, partnerships, S-corps, and C-corps, fractional CFO plans starting at 1,750 dollars a month, R&D tax credit work, and operations services such as bill pay, invoicing, and payroll are sold separately. Most of these require a bookkeeping subscription. Pilot connects bank feeds with tools such as Stripe and Gusto and partners with Bill.com and American Express. It suits venture-backed US startups that want accountants to do the work instead of running the books themselves. The main limitation is cost and turnaround: Core reports arrive mid-month, and full AP, AR, and payroll help needs the costlier Custom tier. Some reviewers also report occasional service lapses.

Our Rating

6.4
out of 10
Scalability
6
Analytics
6
Compliance
7
Integration
6
Security
6
Support
7
Cost
5
Customization
6
Ease of Use
8

Who Pilot is best for

Good fit

  • Pilot's plans are built around venture-backed startups, with pre-revenue discounts and help with investors and boards.

  • SaaS Companies
    8/10

    It offers accrual accounting, a Stripe integration, and R&D credit services that fit SaaS startups.

  • The 99 dollar Essentials plan suits small businesses with up to 100,000 dollars in monthly expenses.

Less suited

  • Enterprise
    3/10

    The service targets startups and SMBs rather than large organisations.

Pros & Cons

Pros

  • Essentials starts at 99 dollars a month, which is low for managed bookkeeping.
  • Bookkeeping, tax filing, fractional CFO, R&D credit, and stock administration are available from one provider.
  • Long experience with venture-backed startups, with discounts for pre-revenue companies.
  • Capterra users rate it 4.7 out of 5.

Cons

  • Essentials is cash-basis only, with in-app support and no assigned human bookkeeper.
  • Core reports arrive by the 10th business day, so last month's numbers land mid-month.
  • Full AP, AR, and payroll administration require the sales-quoted Custom tier.
  • Some reviewers report delayed reports, occasional service lapses, and high cost for very early-stage companies.
  • Built around QuickBooks Online and US tax, so it suits non-US businesses less well.

Key Features

Invoicing
Accountant Access
Budgeting and Forecasting
Financial Reporting
Accounts Payable
Payroll
General Ledger
Tax Compliance
Bank Reconciliation

Pilot Pricing

Essentials

$99/month
  • In-app messaging support
  • Standard chart of accounts
  • AI answers and scenario planning
  • Year-end package for your tax preparer
  • Up to 100,000 dollars in monthly expenses
  • Cash-basis bookkeeping from bank and card feeds
Get Started

Core

Contact for pricing
  • US-based bookkeeper
  • Cash or accrual basis
  • Custom chart of accounts
  • Reports by the 10th business day
  • Support by app, email, and phone
  • Discount available for pre-revenue startups
  • Price not clearly shown on the pricing page
  • Integrations for payroll, AP, inventory, and payments
Get Started

Custom

Contact for pricing
  • Full AR and AP
  • Dedicated CFO advisory
  • Payroll administration
  • Reports by the 6th business day
  • Keep your existing QuickBooks account
  • Complex structures and custom workflows
Get Started
Open interactive pricing calculatorGet a tailored cost breakdown for your team size, billing cycle, and add‑ons.

Frequently Asked Questions

Yes. Pilot's site offers a free trial, but it does not state the length or terms.

Only on the Custom plan. On other plans Pilot sets up and manages the QuickBooks Online file itself.

Generally yes. Pilot says its tax plans require Pilot Bookkeeping except where noted.

By the 10th business day on Core and by the 6th business day on Custom.

Yes. Pre-revenue companies can ask for discounts on Core bookkeeping and on tax plans.

Bookkeeping tiers are set by monthly expense volume; Essentials covers businesses with up to 100,000 dollars in monthly expenses. Operations services such as bill pay and payroll are estimated from volume.