What is Puzzle?
Puzzle is accounting software that uses AI to categorize transactions and help with the monthly close, with optional bookkeeping and tax services sold on top. It runs as a web app, connects to banks and cards through Plaid and to tools such as Stripe, Mercury, Brex and Ramp, and offers an MCP connection for AI clients.
Who it's for
Puzzle's pricing and home pages target startups and small businesses, including those that want a bookkeeper to review or run the books. The US-only wording in its terms and its USD-based free-plan post suggest it is aimed at US entities, so confirm fit before relying on it elsewhere.
Pros & cons
Strengths
- Puzzle lists cash and accrual books, unlimited connections, a one-click tax report and CPA-approved chart of accounts templates on its $30 Starter plan.
- Puzzle says the AI Suite (Chat, Cowork, Close) is included in every software plan, and that Cowork changes nothing in the books until you review and approve it.
- Puzzle lists direct integrations with Stripe, Mercury, Brex, Ramp, Gusto, Rippling, Deel and Bill.com, and bank and card connections through Plaid (12,000+ per its home page).
- Puzzle says its MCP connection to AI clients starts read-only, lets you choose which companies to share, and requires confirmation of proposed transaction changes.
- Puzzle sells optional services on top of software: Expert Reviewed at $171 a month and Full Service priced by expense band, plus migration ($149 one-time per system), catch-up bookkeeping, R&D studies and tax filing.
- Puzzle's security page says data is encrypted with AES 256-bit, integrations are read-only, and it does not share or sell user information.
Limitations
- Seats and AI credits are tiered: Starter lists 1 seat and 25 lifetime credits, Core 5 seats and 25 lifetime credits, Complete unlimited seats and 100 credits a month, Scale unlimited seats and 300 credits a month. No page read explains how credits are metered. Features such as AI accuracy review, AI reconciliations, revenue recognition and priority support are listed from Complete up; subledgers, backup and restore and dedicated onboarding are listed on Scale.
- Services cannot be bought alone and add-ons require an active subscription. Expert Reviewed is limited to up to $10K in monthly expenses, one entity, one accounting basis, and no payroll, accounts payable/receivable or inventory. Full Service prices are not shown on the page text read.
- The vendor's pages disagree on free access: the home page lists a 14-day free trial, the pricing page has a footnote 'Starter is free for 2 months' not tied to a specific element, no free plan is listed, and a blog post describes Puzzle as free at the formation stage for US entities (its date is unclear).
- The money-back guarantee has conflicting timing: the pricing page says a 50% close-time reduction within 60 days, while its refund section refers to the second month close, with requests within 30 days and up to 90 days from start. Onboarding in 7 days, live API connections and a single entity are required.
- The privacy policy read (effective Dec 19, 2025) is website-scoped and does not mention AI or model training, and no read page states whether customer data is used for AI training. The terms say website users must reside in the United States or its territories.
Plans and pricing
- Starter: $30 a month (monthly equivalent, billed annually). 1 seat, 25 lifetime AI credits, cash and accrual books, unlimited connections. Footnote: 'Starter is free for 2 months.'
- Core: $72 a month (monthly equivalent, billed annually). 5 seats, 25 lifetime AI credits, cash/burn/runway insights, variance analysis, advanced reporting, custom chart of accounts.
- Complete: $120 a month (monthly equivalent, billed annually). Unlimited seats, 100 AI credits a month, AI reconciliations, revenue recognition, priority support, Stripe, Ramp, Mercury and Brex integrations.
- Scale: $360 a month (monthly equivalent, billed annually). Unlimited seats, 300 AI credits a month, subledgers, no transaction or integration limits, backup and restore, dedicated onboarding.
- Expert Reviewed: $171 a month. Software plus bookkeeper review on Core software; up to $10K monthly expenses, one entity. Requires an active subscription.
- Full Service: Varies by monthly expenses. Named bookkeeper runs the full monthly close; price comes from an expense slider (bands from up to $10K to $200K+). Home page says services start at $99 a month per entity.
Prices were read from the official pricing page, which has a Monthly/Yearly toggle ('Yearly, Save 20%') and the footnote '* Monthly equivalent shown. Billed annually.' The page text does not show which view was selected or list monthly-billing prices, so the software figures are most likely annual-billing equivalents. Currency is USD. Confirm on the live pricing page.
Details checked October 2026 against the vendor's own pages. Prices and limits change, so confirm before you buy. Official pricing page ↗
Sources
This profile was compiled from these public pages. We have not run hands-on tests.
Puzzle — at a glance
Puzzle is accounting software that uses AI to categorize transactions and help with the monthly close, with optional bookkeeping and tax services sold on top. It runs as a web app, connects to banks and cards through Plaid and to tools such as Stripe, Mercury, Brex and Ramp, and offers an MCP connection for AI clients.
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