AI-native accounting platform
Puzzle
AI-first accounting software positioned explicitly as a QuickBooks replacement, with the cheapest published entry price in the category.
At a glance
- What it is
- AI-native accounting platform
- Relationship to your books
- Replaces your general ledger
- Starting price
- $25/mo
- Pricing basis
- Per company, per month. Annual billing is cheaper than monthly. AI work is metered in credits at every tier.
- Human involvement
- Software only, partner network
- QuickBooks Online
- No
- Xero
- Not published
- Multi-entity
- Partial
- Income tax filing
- No
- Free trial or free tier
- Not published
- Best suited to
- A venture-backed or fast-growing company that wants accrual books and runway metrics without paying service prices, and is prepared to leave QuickBooks.
- Tested by the AI Ledger Benchmark
- Not yet — see the benchmark programme
- Facts verified
- September 4, 2026
Puzzle keeps a real double-entry ledger on both cash and accrual basis and automates categorization, reconciliation and accuracy review on top of it. Its higher tiers are marketed as a direct QuickBooks replacement and include a white-glove migration. AI work is metered in credits rather than being unlimited, which is unusual and matters at volume. There is no bookkeeping team included; Puzzle refers customers to partner firms for full-service work.
Who it is for
Choose Puzzle if: A venture-backed or fast-growing company that wants accrual books and runway metrics without paying service prices, and is prepared to leave QuickBooks.
Look elsewhere if: AI work is credit-metered; the Starter tier's 25 credits are a lifetime allowance, not monthly, or if any of the limitations below are load-bearing for your business.
Puzzle pricing
Per company, per month. Annual billing is cheaper than monthly. AI work is metered in credits at every tier.
| Plan | Price | Basis | Notes and inclusions |
|---|---|---|---|
| Starter | $25 | per month, billed annually | $30 per month billed monthly 25 AI credits (lifetime) · Cash and accrual books · Auto-drafted statements · 1-click tax reports · Unlimited connections |
| Core | $60 | per month, billed annually | $72 per month billed monthly 5 users · Cash, burn, runway and margin insights · Variance analysis · Custom chart of accounts · Multi-entity via integration |
| Complete | $100 | per month, billed annually | $120 per month billed monthly; marketed as the QuickBooks replacement tier Unlimited users · 100 AI credits per month · AI-powered reconciliations · AI accuracy review · Classes, departments and projects · Revenue recognition · White-glove QuickBooks migration |
| Scale | $300 | per month, billed annually | $360 per month billed monthly 300 AI credits per month · Subledgers · No transaction limits · No integration limits · Dedicated onboarding |
Accounting platform compatibility
This is the first thing to check. A product that replaces your ledger is a migration; one that sits on top of it is reversible.
| Platform | Support |
|---|---|
| QuickBooks Online | No |
| Xero | Not published |
| NetSuite | Not published |
| Sage Intacct | Not published |
| Own general ledger | Yes |
Capabilities
| Capability | Status |
|---|---|
| Automated transaction categorization | Yes |
| Bank / account reconciliation | Yes |
| Month-end close workflow | Yes |
| Accounts payable / bill pay | Not published |
| Invoicing / accounts receivable | Not published |
| Receipt & document capture | Yes |
| Multi-entity support | Partial |
| Classes, departments or locations | Yes |
| Accrual-basis accounting | Yes |
| Revenue recognition | Yes |
| Inventory accounting | Not published |
| Payroll (included or native) | No |
| Sales tax handling | Not published |
| Income tax return filing | No |
| CFO / advisory service | No |
| Anomaly & error detection | Yes |
AI and developer surface
| Feature | Status |
|---|---|
| Named AI agents that complete work | Yes |
| Natural-language assistant over your books | Not published |
| Public API | Not published |
| MCP server / LLM-native access | Not published |
| White-label for firms | Not published |
Strengths
- Lowest published entry price of any AI-native ledger reviewed here ($25/mo on annual billing)
- Accrual accounting, revenue recognition and subledgers are available without moving to an ERP
- Publishes a full four-tier price list including monthly and annual figures — rare in this category
- Includes a migration path off QuickBooks on the Complete tier rather than leaving it to you
Limitations
- AI work is credit-metered; the Starter tier's 25 credits are a lifetime allowance, not monthly
- Multi-entity is described as available 'via integration' at the Core tier rather than natively
- No bookkeeping staff included — someone still has to own the review
- The '98% auto-categorization' figure is a vendor claim with no published test method
What we could not verify
Most sites in this category would state these as facts. We list them as gaps, and they are the questions to put to Puzzle Financial directly.
- Whether an API or MCP endpoint exists is not stated on the pricing page
- What happens to AI features when monthly credits are exhausted is not documented publicly
Frequently asked
How much does Puzzle cost?
Puzzle starts at $25/mo. Per company, per month. Annual billing is cheaper than monthly. AI work is metered in credits at every tier. Full published tiers are listed above; figures were read from the vendor's own pricing page on September 4, 2026.
Does Puzzle work with QuickBooks Online?
No. Puzzle is your general ledger — adopting it means migrating off QuickBooks Online.
Does Puzzle include a human bookkeeper?
Software only, partner network. No accountant included, but the vendor will refer you to a partner firm.
Has AI Ledger Intelligence tested Puzzle?
No. We have not run Puzzle against a transaction set, and we do not claim hands-on experience we do not have. This page is a verified-data profile built from primary sources. Our benchmark programme explains the accuracy testing we intend to publish and how it will be run.
Alternatives to Puzzle
Closest products by category, ledger relationship, human involvement and price.
Digits
$65/moAI-native general ledger with named agents that categorize, reconcile and close — no QuickBooks underneath.
Kick
Free tierFree-tier AI bookkeeping aimed at solo operators, with an MCP/CLI interface from the paid tier up.
Finaloop
$245/moReal-time accounting built specifically for ecommerce and retail, including inventory — the one vertical where generic AI bookkeeping usually breaks.
Sources for Puzzle
Every figure on this page was read from the vendor’s own published material or from named trade press on the date shown. We do not estimate prices.
- Puzzle pricing — puzzle.io, retrieved September 4, 2026
Record last verified September 4, 2026.