What it costs
A month of books at 100 transactions
$30
a month at 100 transactions, on Starter
Checked against the maker's own pages, 26 October 2026.
Puzzle price and plans
Prices excluding tax, as Puzzle publishes them.
Starter
$30 a month
- Flat fee
Core
$72 a month
- Flat fee
- Adds Several businesses
Complete
$120 a month
- Flat fee
- Adds Reconciles your accounts
Scale
$360 a month
- Flat fee
Core + Expert Reviewed
$171 a month
Through sales
- Flat fee
Complete + Expert Reviewed
$219 a month
Through sales
- Flat fee
Full Service, up to $10K
$619 a month
Through sales
- Flat fee
Full Service, $10K–$50K
$619 a month
Through sales
- Flat fee
Full Service, $50K–$100K
$819 a month
Through sales
- Flat fee
Full Service, $100K–$150K
$919 a month
Through sales
- Flat fee
Full Service, $150K–$200K
$1,019 a month
Through sales
- Flat fee
Pricing page, captured
Its own pages, checked
What Puzzle costs at your volume
| Transactions a month | Cost | Plan |
|---|---|---|
| 100 transactions | $30 a monthon Starter | Starter |
| 500 transactions | $30 a monthon Starter | Starter |
What we checked on Puzzle
Cost at 100 transactions a month
$30 a month on Starter for 100 transactions.
Starter Your first books $30 /mo
puzzle.io/pricingChecked
Cost at 500 transactions a month
$30 a month on Starter for 500 transactions.
On the page: Software only tab, Starter card, Monthly toggle
puzzle.io/pricingChecked
Ledger included
It is the ledger; no QuickBooks or Xero needed. Puzzle is a double-entry general ledger of its own, sold as a QuickBooks replacement (Core card: 'Your QuickBooks replacement').
Yes! Puzzle is a complete double-entry accounting system. You can rely on Puzzle reports for your most important and sensitive use cases like…
puzzle.io/legal/faqChecked
What the price is based on
mixed: flat software plans; services by expenses. Software plans are flat monthly fees per company (Starter $30, Core $72, Complete $120, Scale $360), stepping on features, seats (1, 5, unlimited) and AI credits, not on transactions.
Services run on top of your Puzzle plan (Core or Complete) and are priced by your monthly business expenses.
Past your plan’s limits
Moved up a plan; only AI credits priced. Seats: Starter 1, Core 5, Complete and Scale unlimited; more users means a higher plan.
If your business grows past these criteria, we’ll talk with you about moving to Full Service.
Setup or onboarding fee
No setup fee; onboarding calls are free. No plan card or FAQ names a setup or onboarding fee.
Our team offers free onboarding calls to walk you through Puzzle and make sure your books are on the right track.
Catching up past months
From $300 per month of books. Catch-up bookkeeping is a one-time add-on on the pricing page: the team reviews, cleans up and closes each unfinished month, from $300 per month of books (the page's example: eleven months is $3,300).
Catch-up bookkeeping From $300 /mo of books We review, clean up and close every month you never finished. Eleven months behind is $3,300.
puzzle.io/pricingChecked
Categorizes transactions
Categorizes by itself and learns from you. Every plan auto-categorizes ('Up to 98% auto-categorization' on Starter).
As you confirm transaction categories, Puzzle learns from your choices and automatically creates rules for similar transactions in the future.
Reconciles your accounts
You reconcile on Starter; AI drafts it from Complete. Every plan has a reconciliation screen where you match the month's transactions to the statement until the difference is $0, then Puzzle runs an auto-validation check.
Reconciliation in Puzzle is optional. Since we use direct APIs to pull your activity automatically, your transactions are already in the system.
Reads receipts and bills
Reads an uploaded receipt; no stated matching. You can attach documents to a transaction or bill.
The Receipt Capture task reads receipts and extracts key information automatically.
Pays your bills
Records bills; payment through Ramp or Bill.com. Bills can be entered, imported by CSV or synced from Ramp and Bill.com, matched to payments and shown in AP aging.
A: No, not currently. We recommend using Ramp or Bill.com, both of which have a direct integration with Puzzle.
Sends invoices
Sends branded invoices; you apply payments. Invoices are created in Puzzle (or imported by CSV, or synced from Stripe and Bill.com) and emailed with a PDF and your branding.
Yes, from the invoice, choose "Send" to email it directly to your customer with your branding and a PDF attachment - no need to download and send…
Accrual books and reports
Cash and accrual P&L and balance sheet; no cash flow. Every plan keeps cash and accrual books at once ('Cash & accrual books' on Starter) and drafts a balance sheet and profit and loss.
Puzzle does not provide a cashflow statement.
People check the books
Only with a paid service; software plans: you check. On the software plans (Starter, Core, Complete, Scale) you close the books yourself, and Puzzle support does not do bookkeeping.
Puzzle's AI suite does the work. A bookkeeper reviews it and closes your books, every month.
puzzle.io/pricingChecked
Your own bookkeeper
Named bookkeeper only on Full Service. Full Service includes a named bookkeeper with unlimited questions by email.
Full Service Full monthly close Categorization and reconciliations Accruals and prepaids handled Financial statements Named bookkeeper Unlimited…
puzzle.io/pricingChecked
Accuracy the vendor claims
Up to 98% categorized; no basis given. The pricing page claims 'Up to 98% auto-categorization' on every plan and '98% accuracy' for Complete; the page's structured data says '98%+ accuracy'; the help center says PuzzleBot auto-categorizes 90-95% of a company's transactions.
Complete automates the tedious parts — with 98% accuracy — so your team and your accountant can focus on what matters.
puzzle.io/pricingChecked
QuickBooks Online
QuickBooks Online read for migration.
Connect QuickBooks Online to allow Puzzle's migration team to download reports and migrate your data
Stripe
Stripe and Gusto yes
Yes, Puzzle connects to Stripe and ingests balance transactions (payments, refunds, fees, disputes, transfers, payouts) for clean reconciliation.
Shopify
Shopify no
On the page: FAQ 'Does Puzzle integrate with Stripe?'; Gusto at https://puzzle.io/integrations/gusto; Shopify at https://help.puzzle.io/en/articles/9155896-faq-integrations
PayPal
PayPal, Square not named. PayPal: not named on any page read.
On the page: FAQ 'Does Puzzle integrate with Stripe?'; Gusto at https://puzzle.io/integrations/gusto; Shopify at https://help.puzzle.io/en/articles/9155896-faq-integrations
Square
PayPal, Square not named.
On the page: FAQ 'Does Puzzle integrate with Stripe?'; Gusto at https://puzzle.io/integrations/gusto; Shopify at https://help.puzzle.io/en/articles/9155896-faq-integrations
Gusto payroll
Stripe and Gusto yes
On the page: FAQ 'Does Puzzle integrate with Stripe?'; Gusto at https://puzzle.io/integrations/gusto; Shopify at https://help.puzzle.io/en/articles/9155896-faq-integrations
Moves your history in
$149 per system; monthly summaries only. The team moves books in from QuickBooks Online (read connection), QuickBooks Desktop, Xero or another system (exported reports) for $149 once per system, with an active subscription, added through a call.
Migration is a paid add-on: $149, charged once for each system we migrate. It’s available with an active Puzzle subscription.
Getting your books out
Full general ledger and statements export. From Downloads you can export the full general ledger detail (all historical journal entries in one file), the chart of accounts, transactions and financial statements on cash or accrual basis, as Excel, CSV or PDF.
Yes, you can export a full general ledger and financial statements on either cash or accrual basis in excel, csv, and pdf formats.
Files your tax return
Business return from $1,250/yr, +$250 per state. A partner firm prepares and files the business's tax return as an add-on, from $1,250 a year depending on entity type, plus $250 for each state filed in.
Tax Filing From $1,250 /yr A partner firm prepares and files your return. The price depends on your entity type, plus $250 for each state you file in.
puzzle.io/pricingChecked
Files 1099s
Exports a 1099 vendor report; does not file. Puzzle suggests 1099-eligible vendors (over $600 in typical categories), stores W-9s and exports a 1099 template with each vendor's yearly total, to be filed through a payroll provider or tax software.
Note: This exported file should then be used with your payroll provider or preferred tax filing software, as Puzzle does not directly file 1099s.
SOC 2 report
SOC 2 Type II; report on request. The Vanta trust center lists SOC 2 Type I and SOC 2 Type II under Compliance, with reports behind 'Request access' (not requested).
On the page: Overview tab, 'Compliance' panel; 'Request access' button in the header
trust.puzzle.ioChecked
For accounting firms
Partner firm program by waitlist; no firm plan. Puzzle no longer sells its platform to accounting firms.
No. Puzzle no longer sells its platform directly to accounting firms. This is a partnership: we bring the customer and the software, you bring the…
Several businesses
One account per company; consolidation via Joiin from Core. Each company is its own Puzzle account; several can be linked to one login.
Yes. Multi-entity consolidation is available on Core and above via integration with Joiin.
puzzle.io/pricingChecked
United States
United States only, in US dollars.
Puzzle is built for US entities with USD only transactions.
Free trial or free plan
Free trial only; no free plan. Every plan card offers 'Try for free'; there is no standing free plan.
** Starter is free for 2 months.
puzzle.io/pricingChecked
Sign up without a sales call
Software online; services and migration by call. The four software plans sign up online ('Try for free' goes to app.puzzle.io/signup) and upgrade under Settings > Billing.
Step 1: Purchase the migration. Book a call with us to add a migration to your subscription.
puzzle.io/pricingChecked
Contract and cancelling
Monthly or yearly (20% off); cancel in Billing. Plans are sold monthly or yearly (yearly saves 20% and is charged up front).
If you'd like to stop your paid subscription, you can do this at any time from your billing settings.
Support
In-app chat, Mon-Fri 10am-4pm PT; no phone. Chat inside Puzzle, staffed Monday to Friday 10am-4pm Pacific, with replies within one business day and an AI assistant at any time.
Monday to Friday, 10am–4pm Pacific Time. We reply within 1 business day. Messages sent outside those hours are answered the next business day. Our AI…
Puzzle alternatives
All 9 alternatives6 more alternatives
6 of the 9 publish a price.
- StampliOn quoteProcure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing.
- Booke AINo list priceAn AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.
- SimpleAIFrom $79 a monthAI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.
- FreshBooksFrom $23 a monthDouble-entry small-business ledger built around invoicing, with a read-only Claude connector for questions.
Sources and changes
Last changed
Sources22
- puzzle.io/pricing
- trust.puzzle.io/
- puzzle.io/accounting-partners
- help.puzzle.io/en/articles/12598354-connecting-banks-integrations-in-puzzle
- help.puzzle.io/en/articles/12657717-how-to-contact-support
- help.puzzle.io/en/articles/12670953-tracking-1099-vendor-spending-in-puzzle
- help.puzzle.io/en/articles/14990198-how-to-cancel-your-puzzle-subscription
- help.puzzle.io/en/articles/15138987-month-end-close-with-ai-close
- help.puzzle.io/en/articles/17063329-puzzle-accounting-services-expert-reviewed-full-service-add-ons
- help.puzzle.io/en/articles/6986850-rules-and-categories
- help.puzzle.io/en/articles/6986882-how-to-reconcile-bank-and-credit-card-accounts-in-puzzle
- help.puzzle.io/en/articles/7179694-quick-start-guide
- help.puzzle.io/en/articles/8038960-migrating-to-puzzle-guide
- help.puzzle.io/en/articles/8441346-what-reports-does-puzzle-provide
- help.puzzle.io/en/articles/8441394-does-puzzle-work-for-non-us-companies
- help.puzzle.io/en/articles/8441512-can-i-export-my-data
- help.puzzle.io/en/articles/8891734-faq-pricing
- help.puzzle.io/en/articles/9165703-faq-accounts-payable
- help.puzzle.io/en/articles/9359018-faq-accounts-receivable
- puzzle.io/integrations/stripe
- puzzle.io/legal/faq
- puzzle.io/legal/privacy
What changed on this page1
- Bookkeeping features, free plan, plan limits, terms
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