Top 9 of 41 alternatives
FreeAgent and Zoho Books: 9 Puzzle alternatives (2026)
The closest alternatives to Puzzle in October 2026 are FreeAgent, Zoho Books and Pilot.
9 tools compared · entry plans $13.40 to $79 a month · 1 with a free plan · prices checked 26–28 October 2026
Reviewed by the Tick Mark Books editorial team.
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Puzzle and its alternatives at a glance
| Tool | Best for | Starts at | A month at 100 transactions | Better than Puzzle at | Checked |
|---|---|---|---|---|---|
| Puzzle | A US startup on Mercury, Brex, Ramp, Stripe and Gusto that wants to replace QuickBooks | Price not established | $30 | 26 October 2026 | |
| FreeAgent | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $13 a month source | About $25 | Reconciles your accounts, Reads receipts and bills | 26 October 2026 |
| Zoho Books | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month source | $20 | Reconciles your accounts, Reads receipts and bills | 26 October 2026 |
| Pilot | A US startup or small business that wants its books done for it in QuickBooks Online | Price not established | $137 | Reconciles your accounts, PayPal | 26 October 2026 |
| Stampli | Finance teams with high invoice volume, many approvers and several entities | On quote source | — | Reads receipts and bills, Pays your bills | 26 October 2026 |
| Booke AI | A business or bookkeeping firm already on QuickBooks Online or Xero | Price not established | $156 | For accounting firms, Several businesses | 26 October 2026 |
| SimpleAI | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month source | $106 | Past your plan’s limits, Reconciles your accounts | 27 October 2026 |
| FreshBooks | Service businesses and freelancers who bill clients and want their books in the same place | From $23 a month source | $43 | Your own bookkeeper, PayPal | 28 October 2026 |
| Digits | A US startup or small business that wants its own AI-kept ledger in place of QuickBooks | From $65 a month source | $65 | Reconciles your accounts, Reads receipts and bills | 27 October 2026 |
| Sage Accounting | VAT-registered sole traders and small firms up to 49 employees wanting payroll built in | From about $27 a month source | About $58 | Reconciles your accounts, PayPal | 27 October 2026 |
“About” figures are converted at the European Central Bank rate of 30 October 2026.
Closest alternatives to Puzzle
The ones people open most here come first, then the closest matches. How we rank
- From £10 a month (about $13)
UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.
Why it's on this listReconciles your accounts: YesA Bank Reconciliation report compares the FreeAgent balance with the bank statement balance for each account; you run and review it yourself rather than it closing the month for you.
- From Free
Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.
Why it's on this listReconciles your accounts: YesBank and card accounts are reconciled inside the product, with matched and pending transactions in one view and reconciliation statements exportable as PDF per account and date range.
- Price not established
A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.
Why it's on this listReconciles your accounts: YesBank and card accounts reconciled each month. Essentials: AI reconciles accounts and closes the books monthly.
The rest of the shortlist
- On quote
Stampli
Procure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing.
- Price not established
Booke AI
An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.
- From $79 a month
SimpleAI
AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.
- From $23 a month
FreshBooks
Double-entry small-business ledger built around invoicing, with a read-only Claude connector for questions.
- From $65 a month
Digits
AI-native general ledger that books and reconciles itself, replacing QuickBooks or Xero for US businesses.
- From £20 a month (about $27)
Sage Accounting
Sage's cloud small-business ledger with built-in payroll and the Sage Copilot assistant; US edition retired.
Compare Puzzle with the shortlist
Compare alternatives to Puzzle
The digest
What changed in tools. New tools and articles, by email, at most once a week.
Questions buyers ask
What are the best alternatives to Puzzle?
FreeAgent, Zoho Books and Pilot are the closest. They share the most of Puzzle's features.
What is the cheapest alternative to Puzzle?
1 of the 9 has a free plan: Zoho Books. The lowest paid plan is FreeAgent, from about $13 a month. Price checked on 26 October 2026.
How much do Puzzle alternatives cost?
Entry plans run from $13.40 to $79 a month, and half cost $26.80 or less.
When were these prices checked?
We read each price between 26 October 2026 and 28 October 2026 on the maker's own pricing page.
Sources and method
Closest first: most of Puzzle's features, then the fewest gaps. How we rank
Every price was read on the maker's own pricing page.
- FreeAgent: freeagent.com/pricing, checked 26 October 2026
- Zoho Books: zoho.com/us/books/pricing, checked 26 October 2026
- Stampli: stampli.com/pricing, checked 26 October 2026
- SimpleAI: simpleaiworks.com/en/pricing, checked 27 October 2026
- FreshBooks: freshbooks.com/pricing, checked 28 October 2026
- Digits: digits.com/pricing, checked 27 October 2026
- Sage Accounting: sage.com/en-gb/sage-business-cloud/sage-accounting, checked 27 October 2026
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