Freedom251 › AI Accounting Software
Puzzle
What Puzzle is
Puzzle is AI-powered accounting software built around a 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 with payments and find subscriptions for review. AI agents can categorize transactions, reconcile accounts, and flag exceptions; users can review or edit these actions before finalizing financial statements. Listed integrations include Stripe, Ramp, Brex, Mercury, Gusto, Rippling, Deel, Meow, Causal, Runway, Bill.com, Central, MyRunwayHealth, and Joiin. Puzzle says its data integrations are read-only, its data is encrypted using AES 256-bit encryption, and customers own their data. It also states that it is SOC 2 compliant, with role-based access and audit traceability for user activity and approvals. The product is designed for startups and small and medium businesses, with services described as scaling from pre-seed to Series B. Starter costs $30 a month. Customers can subscribe to the software alone or pair it with bookkeeping services.
Who it suits
Puzzle is aimed at startups and small and medium businesses, including companies from pre-seed through Series B. It may suit teams that want accounting software with reviewable AI actions or the option to pair the software with bookkeeping services.
What it does well
- Supports cash and accrual accounting from one ledger.
- AI actions can be reviewed and edited.
- Integrations are described as read-only.
- Customers retain ownership of their data.
- Starter costs $30 a month.
What to know first
- Starter includes one seat.
- Starter includes 25 lifetime AI credits.
- Expert Reviewed is limited to one entity and accounting basis.
- Core with accounting services is limited to businesses up to $10K / mo in expenses.
Limits
Starter includes one seat and 25 lifetime AI credits. Core + Expert Reviewed Bookkeeping is for up to $10K / mo in expenses, one entity, and one accounting basis; it allows up to three bookkeeping questions per month and excludes payroll processing, accounts payable/receivable, and inventory.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Complete | monthly · unlimited seats · 100 AI credits/month · AI reconciliations · revenue recognition · priority support | $120 a month |
| Tax Filing | From $1,250 /yr, plus $250 for each state filed in · Available with an active Puzzle subscription · price depends on entity type | $1,250 a year |
| Migration add-on | charged once per source system migrated · QuickBooks, Xero or other system migration | $149, paid once |
| Migration | $149; charged once for each system moved · Available with an active Puzzle subscription · migration from QuickBooks, Xero, or another system | $149, paid once |
| R&D Study | 1.5% of qualified research expenses · Available with an active Puzzle subscription | $1.50, paid once |
| Core + Expert Reviewed Bookkeeping | $171 /mo for up to $10K / mo in expenses; includes software + service · 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 a month |
| Expert Reviewed service | monthly; includes software and service for up to $10K monthly expenses · monthly book close · transaction corrections · bank and card reconciliation checks · up to three bookkeeping questions/month | $171 a month |
| Starter | monthly · 1 seat · 25 lifetime AI credits · 85–90% automatic categorization · unlimited connections | $30 a month |
The first 8 of 12 plans, as puzzle.io lists them, read 21 Oct 2026. The maker's own page has the final word. Every plan
Getting started
- Visit https://puzzle.io/.
- Choose the software alone or pair it with a bookkeeping service.
- Start the 14-day trial or select a paid plan; Starter begins at $30/mo.
- Use Puzzle on the web or through its API.
Verdict
Puzzle combines accounting functions with AI workflows whose actions can be reviewed before statements are finalized. Its listed plans and service options have specific seat, credit, and bookkeeping limits to consider.
Questions
How much does Puzzle cost?
Starter is $30/mo. Complete is $120 /mo and Scale is $360 /mo; yearly billing is available with 20% savings on these plans.
Does Puzzle have a free plan or trial?
There is no free plan. Puzzle offers a 14-day trial, and Starter is free for 2 months.
Which platforms does Puzzle support?
Puzzle lists web and API platforms.
What accounting views does it provide?
It supports cash and accrual accounting from the same underlying ledger.
Which integrations are listed?
The integrations include Stripe, Ramp, Brex, Mercury, Gusto, Rippling, Deel, Meow, Causal, Runway, Bill.com, Central, MyRunwayHealth, and Joiin.
Can Puzzle include bookkeeping services?
Yes. Customers can subscribe to the software alone or pair it with a vetted partner for monthly bookkeeping. Core + Expert Reviewed Bookkeeping is listed at $171 /mo for up to $10K / mo in expenses.
Facts from Puzzle's own pages
- Accounting views
- Puzzle supports cash and accrual accounting from the same underlying ledger. · puzzle.io, 4 Oct 2026
- AI Chat
- AI Chat answers questions about a company’s actual books in plain English, including cash and runway questions. · puzzle.io, 21 Oct 2026
- AI Close
- AI Close helps accounting firms run a structured month-end close while humans review the proposed work. · puzzle.io, 21 Oct 2026
- AI Cowork
- AI Cowork prepares routine work such as invoice matching, subscription discovery and missing-receipt follow-up for user approval. · puzzle.io, 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. · puzzle.io, 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. · help.puzzle.io, 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. · puzzle.io, 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. · help.puzzle.io, 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. · puzzle.io, 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. · puzzle.io, 21 Oct 2026
- Company facts
- LinkedIn lists Puzzle as privately held, remote-first, founded in 2019, with 51–200 employees. · linkedin.com, 21 Oct 2026
- Company identity
- Puzzle’s privacy policy identifies the legal company as Puzzle Financial Inc. · puzzle.io, 21 Oct 2026
- Company leadership
- Puzzle identifies Sasha Orloff as cofounder and CEO and John Cwikla as cofounder and CTO. · puzzle.io, 4 Oct 2026
- Documentation and support
- The help center includes a page-by-page walkthrough covering inbox, dashboard, close checklist, accounting, transactions and integrations. · help.puzzle.io, 21 Oct 2026
- Financial reporting
- Puzzle provides auto-drafted financial statements, a general ledger, chart-of-accounts controls, period locking and downloadable reports. · help.puzzle.io, 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. · generalcatalyst.com, 21 Oct 2026
- Integration cadence
- Puzzle says partner integrations generally synchronize overnight once per day, with manual synchronization available for direct integrations. · help.puzzle.io, 21 Oct 2026
- Integrations
- Supported connections include Stripe, Mercury, Brex, Ramp, Gusto, Rippling, Deel, Central, Bill.com, Plaid and Joiin. · help.puzzle.io, 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. · puzzle.io, 21 Oct 2026
- Licence
- Puzzle publishes no open-source licence and presents the product as hosted accounting software accessed through its web application. · puzzle.io, 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. · reddit.com, 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. · beancount.io, 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. · beancount.io, 21 Oct 2026
- Limit: Trustpilot complaint
- The sole Trustpilot reviewer alleged being charged $630 annually after seeing a $30 monthly Core price. · trustpilot.com, 21 Oct 2026
Where Puzzle stands on Freedom251
- AI Accounting Software#15 of 32
- SaaS Accounting Software#13 of 25
- Accounting & Finance Software#18 of 26