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Paid plans start at $25/mo.
Puzzle software starts at $30 per month, or $25 per month when billed yearly; the annual option costs 12 months for the price of 10. Starter includes one seat and 25 lifetime AI credits, while the software plans rise to Scale at $360 monthly or $300 per month billed yearly. Accounting services are priced separately: Core + Expert Reviewed is $171 per month, while Full Service has no published price. Check AI credit limits and service scope before switching.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Starter | $25 | $30 | First books, one-person teams |
| Core | $60 | $72 | QuickBooks replacement |
| Complete | $100 | $120 | Businesses needing advanced AI accounting |
| Scale | $300 | $360 | High-volume accounting |
| Core + Expert Reviewed | — | $171 | Straightforward businesses wanting reviewed books |
| Full Service | — | Quote | Businesses outsourcing the monthly close |
Add-ons and overages
- Migration: $149 per system, one-time; waived with catch-up bookkeeping or Full Service
- R&D study: 1.5% of qualified research expenses
- Catch-up bookkeeping: from $300 per month of books
- Tax filing: from $1,250 per year, plus $250 per state
- Budget and operating plan: from $3,500
- Fundraise readiness: from $7,500
- Fractional CFO: from $2,400 per month for 8 hours
- Controller: $2,000 per month for 8 hours
- 13-week cash flow forecast: from $299 per month
- Payroll: from $49 per employee per month; 5-employee minimum ($245/month)
- Full HR: $99 per employee per month; 5-employee minimum ($495/month)
- Sales tax: $149 per state per month
02What the plan grid doesn't tell you
AI credit limits
Starter and Core include 25 lifetime credits; Complete includes 100 monthly and Scale 300. Credit usage rules and overage pricing are not published.
Service pricing
Full Service includes bookkeeping work, but its price is not published. Core + Expert Reviewed costs $171 monthly and caps expenses at $10K per month.
Separate add-ons
Migration is $149 per system. Catch-up bookkeeping starts at $300 per month of books; tax filing starts at $1,250 yearly plus $250 per state.
People costs
Payroll starts at $49 per employee monthly with a five-employee minimum ($245/month); Full HR is $99 per employee with the same minimum ($495/month).
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| One-person team starting books | Starter | The lowest-cost software tier has one seat, 25 lifetime AI credits and unlimited connections. |
| Replacing QuickBooks | Core | It includes five seats, advanced reporting and multi-entity support via integration for $72 monthly or $60 yearly. |
| High-volume accounting team | Scale | It offers 300 monthly AI credits and no transaction or integration limits, but costs $360 monthly or $300 yearly. |
04Is Puzzle worth the money?
Puzzle covers bookkeeping software and optional accounting services in one product, but the price comparison is not just software against software. Starter and Core have only 25 lifetime AI credits, while higher monthly allowances start with Complete at $120 monthly. Service buyers should get a quote for Full Service, whose price is not published, and check whether their bookkeeping fits the $10K monthly expense cap on Core + Expert Reviewed. It may suit teams seeking AI tools with human review, but budget the service separately.
Puzzle pricing FAQ
How much does Puzzle accounting software cost?
The pricing page lists Starter at $30 per month, or $25 per month billed yearly. Core is $72 monthly or $60 yearly; Complete is $120 or $100; Scale is $360 or $300. Annual prices are monthly equivalents, with 12 months for the price of 10.
What is the most expensive Puzzle plan?
Scale is the highest-priced software plan listed: $360 per month, or $300 per month billed yearly. It includes unlimited seats, 300 AI credits monthly, no transaction or integration limits, and dedicated onboarding and support. Full Service is also listed, but its price is not published.
Is Puzzle the best puzzle subscription for adults?
Puzzle here is AI-native accounting software, not a jigsaw puzzle subscription. Its listed plans cover accounting software and optional bookkeeping or finance services. The published pricing information does not compare adult puzzle subscriptions, so we cannot recommend or price one from these details.
How much do jigsaw puzzles cost, including framing?
The published Puzzle pricing information covers accounting software and services, not physical jigsaw puzzles or framing. It does not list puzzle purchase prices or framing fees, so those costs are not published here.