What is Puzzle?
Puzzle is AI accounting software for startups that auto-categorizes transactions, reconciles accounts and prepares financial statements. It is a general ledger built for venture-backed companies and is popular with Y Combinator startups. Puzzle says its AI can auto-categorize up to 98% of transactions.
Puzzle connects live to the tools startups already use, such as Stripe, Mercury, Ramp, Brex and Gusto, and keeps books up to date continuously rather than once a month. It produces cash and accrual statements side by side, shows burn, runway and margins, and higher plans add AI reconciliations, revenue recognition and AI accuracy review. Founders use it to see their numbers without waiting for a bookkeeper, and accountants use it to close books faster. Optional service plans add a human bookkeeper who reviews and closes the books each month.
Main Features
- Auto-categorize up to 98% of transactions with AI.
- Keep cash and accrual books side by side.
- Draft financial statements automatically.
- Track burn, runway, margins and spend in real time.
- Reconcile accounts with AI on the Complete plan and above.
- Handle revenue recognition, classes and multi-entity books on higher plans.
- Connect live to Stripe, Mercury, Ramp, Brex, Gusto and more.
How to Get Started with Puzzle
- Sign up at puzzle.io and choose a plan.
- Connect your bank, card, payments and payroll accounts.
- Review the AI categorizations and fix any it flags as uncertain.
- Check your dashboard for burn and runway, and export statements for your CPA.
Puzzle Pricing
Puzzle has no free plan. Starter costs $30 per month for one seat, Core costs $72 per month for 5 seats with burn and runway insights, Complete costs $120 per month with AI reconciliations, and Scale costs $360 per month. Service plans with a human bookkeeper start at $171 per month.
Who Should Use It?
- Startup founders who want real-time financials.
- Venture-backed companies preparing investor updates.
- Fractional CFOs and accountants serving startups.
- Small companies moving off spreadsheets or QuickBooks.
Puzzle Alternatives
- Digits: another AI-native general ledger for startups
- Pilot: full-service bookkeeping done for you
- Booke AI: adds AI categorization on top of QuickBooks or Xero
Frequently Asked Questions
Is Puzzle free?
No. Puzzle plans start at $30 per month for the Starter plan, and there is no free plan.
What is Puzzle used for?
Puzzle is used to run startup accounting with AI. It categorizes transactions, reconciles accounts and produces financial statements and metrics.
Does Puzzle work with Stripe and Mercury?
Yes. Puzzle has live integrations with Stripe, Mercury, Ramp, Brex, Gusto and other startup tools.
Can my accountant use Puzzle?
Yes. Puzzle is designed for both founders and accountants, with CPA-approved chart of accounts templates, cash and accrual views and exports. Service plans can also include a Puzzle bookkeeper who reviews and closes the books.