DFIN ActiveDisclosure alternatives: 12 tools compared (October 2026)

Docyt is accounting and ERP software for brick-and-mortar businesses in the US, above all hotels, restaurants, retail chains and franchises. AI agents draft ledger entries, process bills and reconcile daily revenue, while Docyt accountants review the results.

Key functions

• Categorization agent codes bank and card transactions to the right account, department and location
• Invoice processing agent reads and codes bills and routes them for approval and payment
• Revenue Reconciliation Agent ties the hotel night audit to merchant settlements, cash deposits and online travel agency payouts

Compared with DFIN ActiveDisclosure

• Publishes a price (from $299 per month); DFIN ActiveDisclosure quotes on request.
• Targets companies under 50 employees, which DFIN ActiveDisclosure does not.
• Different pricing model: flat fee instead of contact for pricing.

Check before buying: Docyt is available in the US only and stores data there. Ask for the SOC 2 Type II report, which is shared under NDA, and for the list of subprocessors; the privacy policy names Google Cloud Vertex AI with Gemini models for some automations. Check which property and point-of-sale systems you run, and budget for extra fees on check and ACH payments.

Rillet is an AI-native ERP for mid-market, enterprise and public companies. It replaces the accounting system with a general ledger that includes consolidation, revenue recognition, bank reconciliation and close management, and it adds the Aura AI suite for questions, agents and continuous monitoring.

Key functions

• Aura Assistant answers natural language questions sourced directly from the general ledger
• Aura Agents run repeatable accounting tasks from plain English rules, with every step reviewable and approvable
• Continuous AI monitors the ledger, flags anomalies and proposes accruals

Compared with DFIN ActiveDisclosure

• Targets companies under 50 employees, which DFIN ActiveDisclosure does not.
• Strong in the same markets as DFIN ActiveDisclosure: United States.

Check before buying: Rillet is a full ledger, so a switch means migrating your chart of accounts and history. It is built around US GAAP and ASC 606, so check support for your local reporting rules. Data is processed in the United States on AWS, and a subprocessor list was not published in September 2026. For SOX-relevant processes, ask for the SOC 1 report and agree on approval rules for agents.

Campfire is an AI-native general ledger for growing companies. It combines core accounting, multi-entity consolidation, revenue recognition and close management with an AI layer that categorizes, matches and explains transactions for the finance team.

Key functions

• The Ember assistant answers finance questions with analysis and supporting data
• The Flux Analysis Agent explains variances by GL account, department or cost center with AI commentary
• Matches bank transactions to general ledger entries, including multi-currency and variance handling

Compared with DFIN ActiveDisclosure

• Strong in the same markets as DFIN ActiveDisclosure: United States.

Check before buying: Campfire is a full ledger, so switching means migrating your chart of accounts and history, which the vendor supports with an implementation service. Personal data is processed in the United States, so European buyers should review transfer mechanisms and a data processing agreement. Ask for the SOC 1 report if your auditors rely on it, and clarify pricing, since no amounts are published.

ChatFin offers AI agents for finance and accounting teams that connect to 16 ERPs. Its Analytics AI produces forecasts, variance commentary and board-ready reports, while other agents handle reconciliation, document capture, compliance checks and workflow automation.

Key functions

• Analytics AI produces nightly forecasts, variance commentary and board-ready reports
• Reconciliation AI matches transactions and clears exceptions
• Document AI extracts and validates data from documents

Compared with DFIN ActiveDisclosure

• Can store data in the EU; DFIN ActiveDisclosure states no EU option.
• Strong in the same markets as DFIN ActiveDisclosure: United States.

Check before buying: ChatFin publishes no prices and no subprocessor list, so request both along with the SOC 2 Type II report and ISO/IEC 27001 certificate. If you need EU data residency, confirm it in the contract. Because the agents span reporting, payables and compliance, decide which functions you license first and who approves write operations in the ERP.

Cube is FP&A software for growing finance teams that plan and report in Excel or Google Sheets. It adds a central data layer and AI agents that refresh forecasts, explain variances and draft board decks.

Key functions

• Smart Variance ranks variances by amount and percent and drills down to transactions
• Smart Forecaster refreshes rolling forecasts with new actuals
• Data Manager agents map and reconcile incoming data

Compared with DFIN ActiveDisclosure

• Strong in the same markets as DFIN ActiveDisclosure: United States.

Check before buying: Cube publishes no prices, so compare the Bronze, Silver and Gold scope carefully, since integrations and workflow automation differ by plan. According to its privacy policy, Cube hosts data on U.S.-based servers at AWS, so check whether transfers to the United States fit your data protection rules and how the data processing addendum covers the AI agents. Confirm connectors for your accounting system before signing.

Pigment is a business planning platform from Paris for midsize and large companies. Finance, sales, HR and supply chain teams plan in shared models, and AI agents analyze results, write reports and help build models.

Key functions

• Analyst Agent flags anomalies, explains drivers and builds reports from questions
• Modeler Agent creates and changes planning models from plain-language descriptions
• Predictions adds machine learning forecasts to models

Compared with DFIN ActiveDisclosure

• Offers a free trial; we found none for DFIN ActiveDisclosure.
• Can store data in the EU; DFIN ActiveDisclosure states no EU option.
• Headquartered in France, DFIN ActiveDisclosure in United States.

Check before buying: Pigment publishes no prices, so clarify how agents are licensed and whether usage limits apply. Choose the storage region at the start, since Frankfurt and Oregon are separate options. Check the connectors for your ERP and whether SOC 1 Type II covers what your auditors need. The Planner Agent was marked coming soon in September 2026, so do not plan around it yet.

Planful is a financial performance management platform for budgeting, forecasting, consolidation and reporting. Its AI assistants build plans from existing accounts, explain variances and flag anomalies for finance teams.

Key functions

• Planner builds plans from accounts and assumptions and forecasts single lines
• Analyst explains variances with account-level detail in written form
• Projections creates a machine learning baseline forecast

Compared with DFIN ActiveDisclosure

• Names 4 security certificates, DFIN ActiveDisclosure 2.
• Strong in the same markets as DFIN ActiveDisclosure: United States.

Check before buying: Ask sales for pricing and whether the AI assistants are included or licensed separately. Ask where your account's data will be stored, since the European region on the status portal runs as UK01, and check how OpenAI processing is covered in the data processing terms. Ask for the SOC 1 Type II report if auditors rely on Planful for consolidation. Check connectors to your ERP before signing.

Puzzle is AI accounting software with its own general ledger for startups, small businesses, bookkeepers and accounting firms. It categorizes and reconciles transactions continuously and shows cash, burn and runway in real time.

Key functions

• Auto-categorizes transactions, up to 98 percent according to the vendor
• Accuracy AI continuously reviews vendor mappings, variances and the ledger for duplicates and anomalies
• AI agents match bank feeds to the ledger and pre-draft reconciliations and close checklists

Compared with DFIN ActiveDisclosure

• Publishes a price (from $30 per month); DFIN ActiveDisclosure quotes on request.
• Offers a free trial; we found none for DFIN ActiveDisclosure.
• Targets companies under 50 employees, which DFIN ActiveDisclosure does not.
• Different pricing model: flat fee instead of contact for pricing.

Check before buying: Puzzle stores data on US servers and its privacy policy did not mention GDPR in September 2026, so it fits US entities best. Check how many AI credits your plan includes, since reconciliation and accuracy reviews start with the Complete plan. The SOC 2 report type, single sign-on, a data processing agreement and a subprocessor list were not published; ask for them before connecting bank accounts.