Puzzle.io

Freemium

By AI Bookmarks Editorial Team, Directory editors Last reviewed 2026-10-23

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Accounting software for startups built on a real-time ledger, with an AI assistant that answers finance questions.

Quick facts

Pricing	Freemium
Free tier	No — trial, then paid plans or a managed service
Platforms	Web
Developer	Puzzle
Website	https://puzzle.io

What Puzzle.io is

Puzzle is accounting software for startups, built around a real-time general ledger rather than a monthly close. Transactions, bank feeds and payroll flow in continuously, so the dashboard reflects the current state instead of last month. It handles the usual startup accounting jobs — categorisation, accruals, revenue recognition, burn and runway reporting — and adds an AI assistant that answers finance questions from the ledger. You can run it yourself or add a Puzzle bookkeeper for review. The limits are scope and maturity: it is not a substitute for a full ERP, complex multi-entity consolidations are limited, and output quality still depends on clean categorisation. It suits companies that want the numbers now rather than after a close, and investor reporting can be generated from the same ledger. Integrations cover the common startup stack, from banking to payroll to expense tools, and categorisation rules can be applied retroactively.

Best for

Startups that want current numbers without a close cycle
Founders reporting to investors every month
Teams that want software with an optional bookkeeper

Not ideal for

Multi-entity groups needing consolidation
Companies that require a full ERP

Pros

Ledger updates continuously instead of monthly
Burn and runway reporting from live data
Optional bookkeeper review on the same ledger

Cons

Not a full ERP, and consolidation is limited
Output depends on clean categorisation
No free plan, only a trial

Pricing in detail

Puzzle is sold on monthly or annual plans billed per company, with tiers that differ by transaction volume, seats and access to the managed bookkeeping service; there is a trial rather than a free tier. Because the managed option is priced separately, compare self-serve software against software plus bookkeeper rather than against a traditional accounting firm.