Pilot vs Mercury
A detailed comparison to help you choose between Pilot and Mercury.
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Verdict: Mercury wins
Mercury scores 4.2/5, edging out Pilot at 3.8/5. US-registered startups and small businesses that want free business banking with built-in, approval-gated AI for spend insight and routine finance operations.
Pilot AI bookkeeping for startups | Mercury Banking for startups with AI insights | |
|---|---|---|
| Rating | 3.8 (1 review) | 4.2 (1 review) |
| Pricing Model | paid | free |
| Starting Price | From $499/mo | Free |
| Best For | US startups and small businesses that want investor-ready books and tax filings handled by a named accounting team and can pay a managed-service price for it. | US-registered startups and small businesses that want free business banking with built-in, approval-gated AI for spend insight and routine finance operations. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | — | free tierapi access |
| Visit Pilot → | Visit Mercury → |
Pilot
Pros
- + The $99/month Essentials tier (at time of writing, pilot.com/pricing) covers cash-basis books for businesses with up to $100,000 in monthly expenses — a concrete ceiling you can plan against
- + Published close deadlines: reports by the 10th business day on Core, the 6th on Custom, which is more accountable than the 'monthly close' vagueness common in this category
- + Tax pricing is itemised publicly — extra state filings at $250-$500, 5471 foreign subsidiary forms at $2,500 each — so the bill is predictable before you sign
- + Custom tier keeps your existing QuickBooks file and historical data instead of forcing a migration
- + Named human accountants on Core and above, with phone and email support, not just in-app chat
Cons
- - US-only: no international entities, no multi-currency consolidation, and no sign of either on the roadmap
- - Core pricing is quote-based on monthly expense volume, so the real cost of the first human-supported tier is not public
- - No free tier and no self-serve ledger access — keeping QuickBooks is gated behind the Custom tier
- - CFO advisory bills from $1,750/month (Basic, billed annually) up to $5,250/month, with consulting at $250-$400/hour on top of bookkeeping
- - Tax filing is a separate product from bookkeeping; the entry bookkeeping plan only prepares a year-end package for your own preparer
Mercury
Pros
- + Base plan is genuinely $0/month with no minimums or overdraft fees, and the free surface covers checking, cards, invoicing and bill pay
- + Insights — live dashboards, ad-hoc financial questions, spend notifications — is included free on every plan per mercury.com/insights
- + Command executes natural-language instructions across the account stack but only with explicit per-action approval and a traceable record
- + Up to $5M FDIC insurance through partner banks and sweep networks, per the plan comparison
- + Free API, MCP server and CLI let you drive Mercury from your own agent tooling
Cons
- - US-only for business banking, cards and treasury — non-US entities are excluded
- - Treasury requires a $250K Mercury balance to unlock, locking out early-stage startups
- - AI features only see Mercury data; no connection to external revenue or payroll systems unless routed through Mercury
- - Enriched NetSuite automations and $0 ACH debit invoicing sit behind the $299/month Pro plan
- - 1099 filings cost $5 per filing on the free plan, and Books/Payroll are add-ons whose fee waivers end 31 December 2026
Frequently Asked Questions
Which is better, Pilot or Mercury?▼
Mercury scores higher at 4.2/5 vs 3.8/5 for Pilot, making it the better-rated option in our comparison.
What is the difference between Pilot and Mercury?▼
Pilot: Pilot provides bookkeeping, tax and CFO services for startups and small businesses, delivered by its own accounting team. Mercury: Mercury provides business banking for startups and growing companies, with accounts, cards, bill pay and treasury in one dashboard.
Is Pilot or Mercury more affordable?▼
Pilot starts at €499/mo, Mercury starts at €0/mo. Check the comparison table above for current pricing.
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