Puzzle review

Puzzle is accounting software built around AI-assisted bookkeeping, with optional accounting services. It can categorize transactions, help match invoices and find subscriptions, and support a structured month-end close. The work is prepared for review; Puzzle’s description does not position every accounting task as fully automatic.

You can manage your own books or add services such as expert review, full-service bookkeeping, migration, catch-up work, R&D studies or tax filing. Puzzle also offers cash and accrual views, plus cash, burn and runway figures on a real-time general ledger.

The software has four plans, from Starter to Scale. According to the pricing details, annual billing costs the equivalent of 10 monthly payments for 12 months of service. Starter is $30 monthly or $25 per month billed annually; Scale is $360 monthly or $300 per month billed annually. Services are priced separately or bundled into service plans.

Puzzle covers more than transaction categorization. Its AI Chat lets users ask plain-English questions about their business and get answers from their books. AI Cowork prepares routine work, including invoice matching and subscription discovery, for review. AI Close helps accountants follow a structured month-end close. That makes the product relevant to teams that want software support without treating the accounting work as a black box.

The pricing page says Puzzle automatically categorizes 85–90% of transactions without users writing rules. It also offers cash and accrual books and a real-time general ledger with cash, burn and runway views. For a business replacing QuickBooks, the Core plan is explicitly aimed at that use case and lists five seats, advanced reporting and multi-entity support via integration.

• Starter costs $30 monthly or $25 per month billed annually, and includes one seat and unlimited connections.
• Complete includes unlimited seats, 100 AI credits per month, AI accuracy review and reconciliations.
• Scale includes 300 AI credits per month, no transaction or integration limits, and dedicated onboarding and support.

The option to add bookkeeping, migration or tax services may suit teams that want help moving or maintaining their books rather than buying software alone.

The main switching check is whether the plan’s AI credit allowance fits your workload. Starter and Core each include 25 lifetime AI credits, while Complete includes 100 credits per month and Scale 300 per month. The pricing details do not explain how quickly common AI tasks use credits, so ask Puzzle for that before choosing a tier. Only Scale explicitly lists no transaction or integration limits.

The entry price also understates the cost of getting professional help. Core + Expert Reviewed is $171 per month and covers up to $10,000 in monthly expenses, one entity, one accounting basis and three bookkeeping questions per month. Full Service includes categorization, reconciliations, accruals and prepaids, plus a named bookkeeper and unlimited email questions, but its price is not published.

Some add-ons have clear minimums or extra fees: migration is $149 per system; tax filing starts at $1,250 per year plus $250 per state; payroll starts at $49 per employee per month with a five-employee minimum, or $245 monthly. Puzzle lists no free plan; a free-trial term is not published. Budget for services and add-ons separately before comparing Puzzle with software-only alternatives.

Puzzle’s software starts at $30/month on monthly billing, or $25/month as an annual-billing equivalent. The pricing page says yearly billing charges 12 months for the price of 10. Starter includes one seat and 25 lifetime AI credits. Core is $72/month or $60/month annually for five seats; Complete is $120/$100 and includes 100 AI credits per month; Scale is $360/$300 with 300 monthly credits. The jump from Core to Complete is $48/month on monthly billing, or $40 on the annual equivalent.

Core + Expert Reviewed costs $171/month and includes one entity, one accounting basis, up to $10,000 in monthly expenses and three bookkeeping questions per month. Full Service has no published price. Add-ons include migration at $149 per system, waived with catch-up bookkeeping or Full Service; catch-up bookkeeping starts at $300 per month of books. Tax filing starts at $1,250/year, plus $250 per state. Check the AI credit allowance and service fees before switching.

Puzzle lists migration at $149 per system, one time, and says the fee is waived with catch-up bookkeeping or Full Service. Catch-up bookkeeping starts at $300 per month of books. The pricing information does not say how long migration takes or specify what data Puzzle imports, so confirm the scope and timing before you set a cutover date.

Puzzle’s published material here does not specify data-export formats, cancellation terms or how long you retain access after leaving. Ask how to export your ledger, transaction details and supporting records before moving your books in. We also don’t have Reddit reports in the published published material, so we can’t reliably say what reasons users give for leaving Puzzle. Treat migration effort, export options and any service handoff as open questions—not established limitations.