Puzzle Accounting Software

Puzzle is an AI-native accounting platform built around a real-time general ledger and AI agents that draft categorization, reconciliation, and month-end close work for accountant review. The platform pairs deep native integrations with modern finance tools (Stripe, Mercury, Brex, Ramp, Gusto) and supports both cash and accrual accounting from a single ledger.

Key Features

AI-Native General Ledger

• Built from scratch as an AI-native ledger rather than AI bolted onto legacy software
• Continuous reconciliation and categorization throughout the month
• Cash and accrual financials produced from the same underlying ledger
• “Governed Automation” approach: AI drafts, accountants approve, full audit trail
• Same inputs produce the same outputs every run (deterministic, not a hallucinating LLM)

AI Categorization and Reconciliation

• No rules to write; the AI uses vendor names, memo fields, and payroll line items for context
• Continuous bank, credit card, and payment processor reconciliation
• Automated bank reconciliation against statement balances
• Inbox-based categorization on Complete and above (approve transactions from email)

AI Month-End Close (Complete+)

• AI-powered accuracy review surfaces errors before posting
• AI-powered month-end close drafts reconciliations, flags variances, prepares journal entries
• Custom AI Agents built from natural-language workflow descriptions
• AI Close: agent builder for accounting firms, with workflows scoped per client

Real-Time Financials and Insights

• Cash, burn, runway, and revenue updated continuously rather than at month-end
• ARR and MRR tracking for SaaS businesses
• P&L, balance sheet, and cash activity statement always current
• Variance analysis with period-over-period comparisons (Core+)
• Custom financial reports (Scale)

Revenue Recognition

• Automated revenue recognition (Complete+)
• Native Stripe integration for invoice sync and reconciliation in approximately 3 minutes per cycle
• Revenue subledger on Scale tier

Multi-Entity and Dimensional Accounting

• Multi-entity consolidation available via Joiin integration (Core+)
• Classes, departments, and projects for dimensional reporting (Complete+)
• Each entity supports separate ledgers, integrations, and reporting environments
• Centralized oversight for firm partners managing multiple clients

Integrations

• Native integrations: Stripe, Mercury, Brex, Ramp, Gusto, Rippling, Deel, Rho, Bill.com, Meow, Causal, Runway, Joiin, Carta (coming soon)
• Plaid for bank account connections
• REST API for custom integrations (Scale tier)

For Accounting Firms

• Separate environments per client with shared firm oversight
• Standardized workflows across the firm to scale capacity
• AI Close agent builder designed specifically for firm month-end workflows
• Partner program with custom pricing
• Puzzle Certification Training for firm staff

Onboarding and Migration

• Self-guided QuickBooks migration on Core tier
• White-glove QuickBooks migration on Complete and Scale
• Guided onboarding with one-click integration connections
• Optional automatic import from QuickBooks
• Network of vetted accountants available if a customer needs one

Security and Compliance

• SOC 2 compliant
• AES 256-bit encryption (in transit and at rest)
• Role-based access control
• Full audit traceability of user activity, AI actions, and approvals
• US-based servers
• Read-only data integrations (Puzzle does not modify connected source data)

Puzzle Pricing

• Starter: $25/mo ($30 monthly). Free for the first $20k in transactions. Includes AI-powered categorization, P&L and Balance Sheet, cash and accrual accounting, native integrations (Mercury, Stripe, Ramp), 1-click tax report, CPA-approved Chart of Accounts templates, 25 lifetime AI credits, and 1 user.
• Core: $60/mo ($72 monthly). Adds insights (cash, burn, runway), variance analysis, expense and revenue tracking, multi-entity via Joiin integration, unlimited transactions, 5 users, live chat support, and self-guided QuickBooks migration.
• Complete: $100/mo (most popular; $120 monthly). Adds AI-powered accuracy review, AI-powered month-end close, AI insights, enhanced AI categorization, inbox-based categorization, classes/departments/projects, revenue recognition, unlimited AI credits and users, priority chat support, and white-glove QuickBooks migration.
• Scale: Starts at $300/mo ($360 monthly). Adds revenue/expenses/payroll subledgers, custom financial reports, API access, custom automations, prioritized feature requests, and dedicated support and onboarding.

Custom partner pricing is available for accounting firms.

All paid plans include a 14-day free trial with full Complete-tier access.

Factors that affect pricing:

• Plan tier and billing frequency (annual saves 20%)
• Transaction volume (Starter is free under $20k in transactions, then $25/mo)
• Number of users needed (1 on Starter, 5 on Core, unlimited on Complete and Scale)
• Whether AI accuracy review, AI close, classes/departments/projects, or revenue recognition are needed (Complete or higher)
• Whether subledgers, custom reports, or API access are required (Scale only)