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Puzzle

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Finance · puzzle.io

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Overview

Puzzle is an AI-native accounting platform for startups, SMBs, and the accounting firms that serve them, using AI agents for transaction categorization, reconciliation, and month-end close while keeping accountants in control of final approval before entries post to the ledger. The company has raised over $65M in funding, including a $30M round to expand its AI Close capabilities.

The problem Puzzle solves

Early-stage startups without an in-house accountant, stuck reconciling books once a month after the fact, use Puzzle because it auto-categorizes transactions and drafts real-time cash and accrual statements directly from connected fintech accounts — so founders can see runway and burn without waiting on a bookkeeper.

Decision context

Use these points to test whether the product fits your operation, not just whether it has a long feature list.

  • Published starting price: $25 per month, billed annually. Confirm user, usage, and feature limits for the plan you would actually buy.
  • Deployment: cloud. Check security, data-residency, and access requirements for every team that will use it.
  • Verified integrations include Stripe, Brex, Mercury, Ramp, Deel, Gusto. Validate sync direction and plan limits for the connections that matter.
  • This record was last checked on 8/5/2026; pricing and features can change.

How to evaluate Puzzle

A listing helps create a shortlist; a trial with the team’s real workflow decides whether the tool fits. Use this reading with the structured facts and confirm changes with the vendor.

Workflow fit

The record describes it as a fit for Early-stage startups wanting real-time financials with light-touch bookkeeping. Check that this context matches the volume, roles, and processes your team needs it to support.

Pilot questions

  • Can Puzzle complete the critical workflow without manual work outside the product?
  • Do the recorded connections (Stripe, Brex, Mercury, Ramp) support the sync direction, permissions, and volume we need?
  • What user, usage, storage, support, or security limits appear after the headline starting price?

Evidence and freshness

This record was checked on 8/5/2026. That date tells you when the record was reviewed, not that the vendor has left its terms unchanged since then.

Best for

  • Early-stage startups wanting real-time financials with light-touch bookkeeping

Not a fit if

  • Firms needing complex multi-entity accrual accounting with extensive manual audit workflows today

Why it’s listed

  • AI-native accounting rebuilt for startups rather than retrofitted onto legacy tools
  • Real-time financial statements plus cash, burn, and runway insights
  • Direct integrations with the modern fintech stack (Mercury, Stripe, Ramp, Brex, Gusto)

Pricing

Starter

$25 per month

Entry plan for solo founders with automated categorization and drafted statements.

  • Up to 98% auto-categorization
  • Auto-drafted financial statements
  • Cash & accrual books
  • Unlimited connections
  • 1 user
  • 25 AI credits (lifetime)

Core

$60 per month

Adds cash-flow insights and advanced reporting for growing teams.

  • Cash, burn & runway insights
  • Spend & revenue tracking
  • Variance analysis
  • Multi-entity via integration
  • Advanced reporting
  • 5 users

Complete

$100 per month

Faster month-end close with AI accuracy review and revenue recognition.

  • 50% faster month-end close (guaranteed)
  • AI-powered accuracy review & reconciliations
  • Classes, departments, projects
  • Revenue recognition
  • Unlimited users
  • 100 AI credits/month

Scale

$300 per month

For larger operations needing subledgers and dedicated support.

  • Subledgers
  • No transaction/integration limits
  • 300 AI credits/month
  • Priority features
  • Dedicated support & onboarding

Features

General ledger & accountingPurpose-built real-time general ledger with cash & accrual books
Invoicing & billingInvoicing included per product pages
Expense managementTracks spend/categorization; relies on integrations like Ramp/Brex
Accounts payable & bill payNot a native AP/bill-pay tool; handled via integrations
Corporate cardsDoes not issue cards; integrates with Ramp, Brex, Rho
Bank reconciliationBank connections via Plaid with AI reconciliations
Financial reportingAuto-drafted statements plus advanced/variance reporting
Multi-currencyMulti-entity via integration; multi-currency not clearly documented
Public APINo public developer API prominently documented
AI featuresAI-native: auto-categorization, AI accuracy review, AI credits

Integrations

StripeBrexMercuryRampDeelGusto

Security & compliance

SOC 2

Pros & cons

Pros

  • Real-time cash/burn/runway insights instead of month-old numbers
  • Up to 98% AI auto-categorization claimed, with human approval before posting
  • "50% faster month-end close, guaranteed" on higher tiers

Cons

  • Not yet listed on G2 or Capterra, so no independently aggregated review score exists
  • Some professional accountants have raised concerns about AI accuracy and limited manual controls on lower tiers

What we found

No aggregate rating available yet for this tool.

User reviews

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