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Puzzle

Puzzle

Verified
AI-Native

AI Accounting Software & Accounting Services

SOC 2 Type II
Public status page
Instant deletion
Global
Free Forever
+1
Assistant
Last updated: Oct 20, 2026
Paid
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puzzle.io
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Quick Answer

AI

Puzzle is an AI-native accounting software and service platform for startups, small businesses, and accounting firms. It integrates with Slack and offers an API for automated bookkeeping and real-time financial insights. It is best for startups needing investor-ready books and small businesses seeking automated bookkeeping. Freemium pricing.

About PuzzleAI

Puzzle is an AI-native accounting software and service platform that automates bookkeeping tasks and provides real-time financial insights. It features AI Chat for instant answers, AI Cowork for preparing accounting work, and AI Close for month-end processes. Puzzle is designed for startups, small businesses, and accounting firms, offering both self-service software and expert-reviewed accounting services.

AI-extracted from public sources. May contain errors. Methodology · Report an error
What Makes Puzzle UniqueAI

Puzzle offers an AI-native accounting platform with integrated AI Chat, AI Cowork, and AI Close features, alongside optional human accounting services. It also provides Puzzle MCP to connect accounting data to external AI assistants like Claude and ChatGPT, allowing users to work with their books in their preferred AI tool.

Decision Intelligence

Best For

AI
Startups needing real-time financial insights and investor-ready books
Small businesses seeking automated bookkeeping and financial clarity
Accounting firms looking to scale revenue without increasing headcount
Founders without a financial background needing intuitive accounting software
Companies wanting to outsource bookkeeping to vetted accounting partners
Pricing Overview

Type

Paid

Starting Price

$0/mo

Free Trial

Yes

Credit Card

Not Required

Free Plan

Yes

Dimension Scores

· 5.7 avg

How good it is, across universal quality axes

Ease of Use7/10
Customization5/10
Support6/10
Integration6/10
Compliance & Data Protection3/10
Performance8/10
Planning Quality5/10
AI-analyzed from product data·High confidenceHow we score

Task Scores

· 6.8 avg

What it can do, per category it works in · showing 10 of 10 tasks scoring 5+

Transaction Processing9/10
Financial Reporting8/10
Reconciliation8/10
Cash Flow Analysis8/10
Invoice Automation7/10
Audit Support7/10
Expense Management6/10
Tax Compliance5/10
Budget Forecasting5/10
Regulatory Compliance5/10

Scores are AI-estimated from publicly available data — not an independent test or a verified user rating. How we rank →

Capabilities
Chat
Data Analysis
Automation
Extraction
Categories
Finance Accounting
Automation Agents
Data Analytics
LimitationsAI
  • -Optimized for software companies and many service providers, not yet optimized for inventory-based companies
  • -Accounting services cannot be purchased independently of a Puzzle subscription
  • -High-volume businesses (exceeding 100,000 monthly transactions) will have historical data ingestion limited to the last 4 months preceding onboarding
  • -All users currently have full admin privileges; fine-tuned permissions are in development
Integrations & Connections
14 connections
ST
StripeNative

Revenue reconciliation and payment processing

ME
MercuryNative

Banking and treasury accounts

RA
RampNative

Cards and expenses management

BR
BrexNative

Cards and expenses management

GU
GustoNative

Payroll and HR management

RI
RipplingNative

Payroll and HR management

DE
DeelNative

Payroll and HR management

PL
PlaidNative

Connects to 12,000+ banks and cards

Auto-updated

Fit Score

Complexity

Intermediate

Company Size

Solo
Small
Medium

Team Size

Individual
Small Team
Large Team

Skill Level

Beginner
Intermediate
Features
AI Chat for financial inquiries
AI Cowork for task preparation
AI Close for month-end processes
Automated transaction categorization
Real-time cash, burn, and runway tracking
Cash and accrual accounting views
Automated revenue recognition
Invoicing and reconciliation
Technical Capabilities
SDK Available (unknown)
MCP Compatible (unknown)
Multi-Agent (unknown)
Human-in-Loop
Team Features
Webhook Support (unknown)
Has Demo
Function Calling (unknown)
Sandbox Mode
Audit Logs
No Signup (unknown)
Works Offline (unknown)
Requires Host App
Framework
MCP Server

Deployment

Cloud
MCP transport:
Streamable HTTP
A2A Protocol:
MCP
Authentication
OAuth
Google
Developer Access
API
Enterprise
REST
→ Docs→ Endpoint
Sandbox
Login required
→ Try sandbox
HITL mode:
Approve
Compliance, Privacy & Trust
GDPR: No info available
SOC 2: Stated by vendor
Type II
HIPAA: No info available
Trains on user data: Unknown
Data retention: Until Deleted
Data deletion: Instant
Human review:
Recommended
Tech Specs
Response time (est.):
Fast

The Model(s) Behind It

Model details — extracted from public vendor sources by our pipeline (Smart Generator + A3 cross-referencing) or admin-entered. Shown as claimed by the vendor; not independently audited by Intelloro.

Uses Models
Bring your own model — use your own API key or endpoint
Model Weight Availability
Closed API (no weights)
Training Data Provenance
Not disclosed
Relevant to EU AI Act Art. 53 / Annex XI (GPAI)
Pricing Plans
Free tier available
Free
Free
Starter
$30/month
Free trial · no card needed
  • AI Suite Included (Chat, Cowork, Close)
  • 25 lifetime AI credits
  • 1 seat
  • Up to 98% auto-categorization
  • Auto-drafted financial statements
  • Cash & accrual books
    • Core
    $72/month
    Free trial · no card needed
  • AI Suite Included (Chat, Cowork, Close)
  • 25 lifetime AI credits
  • 5 seats
  • Everything in Starter
  • Insights: Cash, Burn, Runway, Margin & more
  • Spend tracking and insights
    • Most Popular
    Complete
    $120/month
    Free trial · no card needed
  • AI Suite Included (Chat, Cowork, Close)
  • 100 AI credits / month
  • Unlimited seats
  • Everything in Core
  • AI-powered accuracy review
  • AI-powered reconciliations
    • Scale
    $360/month
    Free trial · no card needed
  • AI Suite Included (Chat, Cowork, Close)
  • 300 AI credits / month
  • Unlimited seats
  • Everything in Complete
  • Higher-volume accounting
  • Subledgers
    • Expert Reviewed
    $171/month
  • Core Software Plan included
  • Books closed every month
  • Transactions reviewed and corrected when needed
  • Bank and credit card reconciliations checked
  • Up to three bookkeeping questions per month
  • For eligible businesses with up to $10K in monthly expenses
    • Migration
    $149/one-time
  • Move books from QuickBooks, Xero or current system
  • History and balances carried forward
  • Charged once per system moved
    • R&D Study
    Custom/one-time
  • Prepares R&D study for tax credit claims
  • 1.5% of qualified research expenses (e.g., $7,500 for $500,000 R&D spend)
    • Catch-up bookkeeping
    $300
  • Reviews, cleans up, and closes unfinished months
  • Price per month of books behind
    • Tax Filing
    $1250/year
  • Partner firm prepares and files business return
  • Price depends on entity type
  • +$250 for each state filed in

    • Pricing verified from the vendor pricing page.

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    User Reviews

    No reviews yet. Be the first to review!

    Who It's For
    3 roles
    1 industries
    Financial and Investment AnalystsAccountants and AuditorsPersonal Financial AdvisorsOther Financial Investment Activities
    Platform, Content & Languages
    3 content types
    1 languages
    TextDocumentSpreadsheetEnglish+5 more

    Output Languages

    English

    Content Types

    Text
    Document
    Spreadsheet

    Accepts

    Text
    API

    Produces

    Text
    Document
    Spreadsheet
    Languages: English

    Frequently Asked Questions

    Video

    Trust Score

    90/100

    Excellent

    Based on 12 data signals

    Confidence: High

    Reflects publicly available data, not an independent audit

    Compliance & Verified38/38
    VerifiedYes
    SOC 2 reportYes
    SOC 2 Type IIYes
    Human ReviewYes
    Human-in-the-loopYes
    HITL TypeYes
    Operational25/25
    Status PageYes
    Data ResidencyUS
    Reliability0/10

    No published data

    Market Proof10/10
    Notable CustomersFinfuego, Cactus, Central
    Company17/17
    Company ListedYes
    User Base10K-100K
    FundingSeries A
    Health—

    Not yet checked

    AI-Assisted Data

    Some details are AI-generated estimates — verify with the vendor.

    AI-generated estimate: Best For, Description, Limitations, Quick Answer, Tagline, What Makes Unique

    How we source data

    AI Governance & Regulatory Disclosures

    Legally-sensitive fields — extracted from public vendor sources by our pipeline (Smart Generator + A3 cross-referencing) or admin-entered. Shown as claimed by the vendor; not independently audited by Intelloro.

    EU AI Act Risk Tier
    Unclassified

    Switching & Migration

    Migration Difficulty
    Moderate Effort
    Data portable as:
    CSV
    Support:
    Email
    Help Center
    Standard
    API Access
    Quick Stats
    Agent TypeAssistant
    PlanningBasic
    CategoryFinance Agents
    PlatformsWeb, API, Slack
    User Base10K-100K
    Setup TimeMinutes
    VerifiedOct 2026
    Company & Links

    Company Name

    Puzzle Financial Inc.

    Founded

    2019

    Based in

    United States

    Funding

    Series A · $50M

    Documentation
    LinkedInTwitter/X