Puzzle
Puzzle is AI-powered accounting software built around a modern general ledger and real-time financials.
What Puzzle is
Puzzle is AI-powered accounting software built around a modern general ledger and real-time financials. It supports cash and accrual accounting from the same ledger. Puzzle Chat answers business questions in plain English, while Cowork can match invoices to payments and find subscriptions for review. AI agents can categorize transactions, reconcile accounts, and flag exceptions; users can review and edit actions before financial statements are finalized. The service lists integrations including Stripe, Ramp, Brex, Mercury, Gusto, Rippling, Deel, Bill.com, and others. Puzzle says its data integrations are read-only, data is encrypted, and customers own their data. It is designed for startups and small and medium businesses, with services described as scaling from pre-seed to Series B. Complete costs $120 per month and adds unlimited seats, 100 AI credits per month, and priority support; Scale costs $360 per month and includes dedicated onboarding and support. Yearly billing is available with 20% savings on these plans. Puzzle can also be paired with bookkeeping services.
Good
- Supports cash and accrual accounting from one ledger
- AI can categorize transactions and reconcile accounts
- Review and edit AI actions before final statements
- Yearly billing offers 20% savings on listed plans
Watch out
- Starter includes one seat
- Starter AI credits are limited to 25 lifetime
- Expert Reviewed is limited to one entity and accounting basis
- Core service is limited to businesses with up to $10K monthly expenses
Who it suits
Puzzle suits startups and small and medium businesses looking for accounting tools with automation and cash and accrual views. Businesses can choose software alone or pair it with bookkeeping services.
Verdict
Puzzle combines accounting views with AI-assisted transaction work, while keeping actions reviewable before final statements. Compare seat and credit allowances, and check service limits if you want bookkeeping support.
Plans and prices
From Puzzle's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| R&D Study | $1.50, paid once | Available with an active Puzzle subscription · 1.5% of qualified research expenses |
| Starter | $30 a month | 1 seat · 25 lifetime AI credits · 85–90% automatic categorization · unlimited connections · monthly |
| Core | $72 a month | 5 seats · 25 lifetime AI credits · cash, burn, runway and margin insights · advanced reporting · monthly |
| Complete | $120 a month | unlimited seats · 100 AI credits/month · AI reconciliations · revenue recognition · priority support · monthly |
| Migration add-on | $149, paid once | QuickBooks, Xero or other system migration · charged once per source system migrated |
| Migration | $149, paid once | Available with an active Puzzle subscription · migration from QuickBooks, Xero, or another system · $149; charged once for each system moved |
| Core + Expert Reviewed Bookkeeping | $171 a month | Up to $10K monthly expenses · one entity and one accounting basis · up to three bookkeeping questions per month · excludes payroll processing, accounts payable/receivable, and inventory · $171 /mo for up to $10K / mo in expenses; includes software + service |
| Expert Reviewed service | $171 a month | monthly book close · transaction corrections · bank and card reconciliation checks · up to three bookkeeping questions/month · monthly; includes software and service for up to $10K monthly expenses |
| Catch-up bookkeeping | $300 a month | Available with an active Puzzle subscription · price depends on months of books behind · From $300 /mo of books |
| Catch-up bookkeeping add-on | $300 a month | review, cleanup and closing of unfinished months · from $300 per month of books behind |
| Scale | $360 a month | unlimited seats · 300 AI credits/month · subledgers · no transaction or integration limits · backup and restore · monthly |
| Tax Filing | $1,250 a year | Available with an active Puzzle subscription · price depends on entity type · From $1,250 /yr, plus $250 for each state filed in |
The facts
Each one read from Puzzle's own pages, with the date it was checked.
What it does
- Accounting views
- Puzzle supports cash and accrual accounting from the same underlying ledger.checked 4 Oct 2026
- AI Chat
- AI Chat answers questions about a company’s actual books in plain English, including cash and runway questions.checked 21 Oct 2026
- AI Close
- AI Close helps accounting firms run a structured month-end close while humans review the proposed work.checked 21 Oct 2026
- AI Cowork
- AI Cowork prepares routine work such as invoice matching, subscription discovery and missing-receipt follow-up for user approval.checked 21 Oct 2026
- AI workflows
- Puzzle Chat answers business questions in plain English, while Cowork handles tasks such as matching invoices to payments and finding subscriptions for user review.checked 4 Oct 2026
- API and MCP
- Customers can self-serve an MCP connection for Claude, ChatGPT and other compatible clients through app.puzzle.io/mcp.checked 21 Oct 2026
- Automation
- Puzzle says AI agents can categorize transactions, reconcile accounts, and flag exceptions, with actions reviewable and editable before financial statements are finalized.checked 4 Oct 2026
- Bank coverage
- Plaid connections provide access to thousands of US banks and cards, while native connections include Mercury, Brex, Ramp and Meow.checked 21 Oct 2026
- Cash and accrual accounting
- Puzzle produces cash and accrual views from the same books and supports automated revenue recognition, accruals and prepaids.checked 21 Oct 2026
- Close-time guarantee
- Puzzle offers a subscription-fee refund if eligible customers do not achieve at least a 50% reduction in month-end close time by their second close, subject to conditions.checked 21 Oct 2026
- Documentation and support
- The help center includes a page-by-page walkthrough covering inbox, dashboard, close checklist, accounting, transactions and integrations.checked 21 Oct 2026
- Financial reporting
- Puzzle provides auto-drafted financial statements, a general ledger, chart-of-accounts controls, period locking and downloadable reports.checked 21 Oct 2026
- Funding
- General Catalyst announced a $15 million Series A for Puzzle in February 2023 and said total funding then reached $20 million.checked 21 Oct 2026
- Integration cadence
- Puzzle says partner integrations generally synchronize overnight once per day, with manual synchronization available for direct integrations.checked 21 Oct 2026
- Integrations
- Supported connections include Stripe, Mercury, Brex, Ramp, Gusto, Rippling, Deel, Central, Bill.com, Plaid and Joiin.checked 21 Oct 2026
- Inventory limitation
- Puzzle’s FAQ says the product is optimized for software companies and may not yet support companies with inventory accounting needs well.checked 21 Oct 2026
- Licence
- Puzzle publishes no open-source licence and presents the product as hosted accounting software accessed through its web application.checked 21 Oct 2026
- Limit: accounting depth
- A Reddit user reported missing IRS depreciation schedules and difficulty deleting accounts or journal entries, describing the product as unsuitable for some power users.checked 21 Oct 2026
- Limit: AI corrections
- Independent feedback reports that correcting an incorrect AI categorization can be difficult and that manual override workflows feel inflexible.checked 21 Oct 2026
- Limit: product maturity
- Independent feedback describes occasional lag, missing basic fields such as transaction notes and a product that can still feel like a beta.checked 21 Oct 2026
- Limit: Trustpilot complaint
- The sole Trustpilot reviewer alleged being charged $630 annually after seeing a $30 monthly Core price.checked 21 Oct 2026
The company
- Company facts
- LinkedIn lists Puzzle as privately held, remote-first, founded in 2019, with 51–200 employees.checked 21 Oct 2026
- Company identity
- Puzzle’s privacy policy identifies the legal company as Puzzle Financial Inc.checked 21 Oct 2026
- Company leadership
- Puzzle identifies Sasha Orloff as cofounder and CEO and John Cwikla as cofounder and CTO.checked 4 Oct 2026
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