Puzzle
A tool to automate bookkeeping and financial reporting.
At a glance
Price not confirmed · Source review 2026-10-24- Price & billing
Software from $30/mo (Starter); Complete $100/mo most popular. Accounting services from $99/mo per entity, added on top. 14-day free trial on all plans. Prices from puzzle.io official FAQ, checked Oct 2026.
- Free allowance
Accounting services from $99/mo per entity, added on top. 14-day free trial on all plans.
- Best suited to
Startup founders and finance leads who want real-time books, burn/runway visibility and AI categorization without hiring a bookkeeper — especially teams already on Stripe, Mercury, Ramp or Brex.
Fit is editorial guidance, not a measured result.- Platforms
Access: not separately verified. Operating systems not separately verified.
Published-source facts and editorial guidance. No product test is implied. Confirm current conditions before purchase.
No product screenshot is claimed for this listing. Use the official website ↗ to inspect the current interface.
What to know before choosing
Good fit
Startup founders and finance leads who want real-time books, burn/runway visibility and AI categorization without hiring a bookkeeper — especially teams already on Stripe, Mercury, Ramp or Brex.
Limits and trade-offs
AI categorization covers 85-90% of transactions automatically, which means 10-15% still needs human review — spot-check the books before tax time rather than assuming perfection. Puzzle is built for s
Plans and free allowances
Software from $30/mo (Starter); Complete $100/mo most popular. Accounting services from $99/mo per entity, added on top. 14-day free trial on all plans. Prices from puzzle.io official FAQ, checked Oct 2026.
Evidence
Official website ↗ (reviewed 2026-10-24)
Official published documentation reviewed; not a product test
Dates: Last reviewed 2026-10-24. Last reviewed is the latest source or editorial review date; it is not a content-change date.
A closer look at Puzzle
Puzzle is AI-first accounting software for startups and small businesses. It connects to banks and modern fintech tools, auto-categorizes 85-90% of transactions, and gives founders real-time visibility into cash flow, burn rate and runway without spreadsheets. Every plan includes an AI suite (AI Chat, AI Cowork), and Puzzle MCP lets assistants like Claude or ChatGPT query your books directly. Optional human accounting services are available as an add-on.
Editorial guidance based on published documentation. The workflow below is a suggested starting point, not a measured product result.
When to choose Puzzle
- Startup founders and finance leads who want real-time books, burn/runway visibility and AI categorization without hiring a bookkeeper — especially teams already on Stripe, Mercury, Ramp or Brex.
- Founders who want Puzzle MCP so assistants like Claude or ChatGPT can query their books directly.
When to choose something else
- Not for businesses needing full-service bookkeeping out of the box (that is a paid add-on), complex multi-entity consolidation, or anyone who prefers a traditional accountant-led workflow over an AI-first one.
- Businesses with complex inventory, manufacturing, or multi-entity consolidation needs, which should verify fit first.
A practical starting workflow
- Connect bank accounts and tools like Stripe, Mercury or Ramp.
- Let AI categorize transactions and reconcile in real time; review the ones it flags.
- Ask AI Chat questions about cash, burn and runway, or pull reports.
- Invite your accountant to collaborate inside Puzzle, or add Puzzle's accounting services.
Check before committing
- AI categorization covers 85-90% of transactions automatically, which means 10-15% still needs human review — spot-check the books before tax time rather than assuming perfection. Puzzle is built for startups on modern fintech stacks; businesses with complex inventory, manufacturing or multi-entity consolidation needs should verify fit first. Accounting software is not a substitute for a licensed accountant on tax strategy. This page is informational and not investment or tax advice.
- Pricing and feature availability may change; confirm current terms on the official website before committing.
Common questions
How much does Puzzle cost?
Software plans start at $30/month (Starter), with Complete at $100/month the most popular tier. Human accounting services start at $99/month per entity on top of a software plan. Every plan includes a 14-day free trial.
Does Puzzle connect to my bank and Stripe?
Yes — bank feeds, Stripe, Mercury, Ramp, Brex, Gusto, Rippling and more connect natively, and transactions categorize in real time rather than at month-end.
Can Puzzle's AI change my books without asking?
No. AI Chat answers questions from your books and AI Cowork prepares categorizations and reconciliations for your review — nothing changes in your books until you approve it.
Compare approaches for this task
- Kick — Small businesses and sole proprietors who want books done automatically in real time.; Business owners and accountants managing whole books of business with tiered plans.
- Smart Clerk — Small businesses that want bank statements turned into tax-ready reports without manual entry
- Bookeeping.ai — Small businesses automating routine bookkeeping
- Count — Founders and small teams wanting bookkeeping on autopilot.
Sources and checks
Last source review is not a date of product testing. No rating or test result is implied by inclusion. Check the current plan and terms before buying.