Collective vs Decimal: which one fits your business?
Side-by-side comparison of Collective and Decimal — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Decimal wins on our scorecard (7.6/10 vs 7.3/10).
| Scored on | Collective | Decimal |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 8 |
| Fees & pricing | 7 | 6 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Monthly Membership | $399 | — |
| Annual Membership (Monthly equivalent) | $349 | — |
| Entity Formation | Included | — |
| Tax Filings (Fed + 1 State) | Included | — |
| Basic Bookkeeping | — | From $500/mo (quoted) |
| Tax Filing Add-on | — | Varies by complexity |
| Onboarding/Cleanup | — | Custom one-time fee |
Collective in one paragraph
Collective is the premier choice for high-earning solo-business owners who want to automate the S-Corp tax-savings strategy without hiring three different vendors.
Skip it if: You have employees, multiple partners, or earn less than $80,000 in net profit.
Decimal in one paragraph
Decimal is a powerhouse for modern, tech-forward businesses that want to fully outsource their back office and stop playing 'tech support' for their own accounting software.
Skip it if: Skip it if you are a micro-business making under $200k or a company that relies heavily on manual, paper-based cash transactions.
Frequently asked questions
Which is better, Collective or Decimal?
On our five-axis scorecard, Decimal scores higher (7.6/10 vs 7.3/10). Decimal is a powerhouse for modern, tech-forward businesses that want to fully outsource their back office and stop playing 'tech support' for their own accounting software.
Who should skip Collective?
You have employees, multiple partners, or earn less than $80,000 in net profit.
Who should skip Decimal?
Skip it if you are a micro-business making under $200k or a company that relies heavily on manual, paper-based cash transactions.