Puzzle offers software plans you run yourself, plus optional accounting services if you’d like an expert to handle your books. For the latest prices and an estimate for your business, see our pricing page (https://puzzle.io/pricing).
Software plans
All plans include the AI Suite (Chat, Cowork, and Close), cash and accrual books, and up to 98% auto-categorization. You can save 20% by paying yearly.
Starter: $30/mo
Best for your first set of books.
Up to 98% auto-categorization
Auto-drafted financial statements
Cash and accrual books
Unlimited connections
1-click tax report
CPA-approved chart of accounts templates
25 lifetime AI credits
1 seat
Core: $72/mo
Your QuickBooks replacement. Everything in Starter, plus:
Insights: cash, burn, runway, margin, and more
Spend and revenue tracking and insights
Variance analysis
Multi-entity (via integration)
Advanced reporting
Custom chart of accounts
25 lifetime AI credits
Up to 5 seats
Complete: $120/mo (most popular)
Everything in Core, plus:
AI-powered accuracy review and reconciliations
AI insights and analysis
Enhanced categorization
Categorize from your inbox
Classes, departments, and projects
Revenue recognition
Priority support
100 AI credits per month
Unlimited seats
Scale: $360/mo
Built for high-volume accounting. Everything in Complete, plus:
Subledgers
No transaction or integration limits
Backup and restore
Dedicated onboarding and support
300 AI credits per month
Unlimited seats
Need more AI credits? See How to Buy More AI Credits in Puzzle.
Free period
Is there a free period?
Yes, there is a free trial period.
What happens after my free period ends?
Your subscription begins automatically. If you don’t want to continue, cancel before the free period ends. See How to Cancel Your Puzzle Subscription.
If you don’t select a plan, access to newly generated financial statements, reports, and insights will be limited. You’ll always keep access to anything generated during your free period.
Accounting services (“We do it for you”)
If you’d rather not close your books yourself, a vetted Puzzle partner can do the monthly work for you. Services run on top of your Puzzle plan (Core or Complete) and are priced by your monthly business expenses.
Expert Reviewed: Puzzle’s AI does the work, and a bookkeeper reviews and closes your books every month. $171/mo for up to $10K/mo in expenses, including the Core plan and the service.
Full Service: A dedicated bookkeeper runs your entire monthly close, including accruals, reconciliations, financial statements, and unlimited bookkeeping questions by email. Price depends on your plan and monthly expenses.
Use the slider on the pricing page under We do it for you to estimate your price. For eligibility and full details, see Puzzle Accounting Services.
Add-ons
One-time services, priced up front. All add-ons require an active Puzzle subscription.
Migration: $149. We move your books into Puzzle from QuickBooks, Xero, or your current system. Charged once for each system we migrate.
Catch-up Bookkeeping: from $300 per month of books. We review, clean up, and close months you haven’t finished.
R&D Study: 1.5% of qualifying spend. We prepare the R&D tax credit study and give your accountant everything they need to file.
Tax Filing: from $1,250/yr. A partner firm prepares and files your business return, plus $250 for each state you file in.
Money-back guarantee
What is the “50% faster close” guarantee?
If you don’t cut your month-end close time by at least 50% compared to QuickBooks or similar software, you can request a refund of your Puzzle subscription fees.
Who qualifies?
To be eligible, you need to:
Complete your Puzzle onboarding and setup call within 7 days of subscribing
Connect all your main financial accounts (bank, credit card, payroll, invoicing, and payment processors) through supported live integrations
Use Puzzle as your main general ledger for at least one full monthly close
Categorize transactions, reconcile all connected accounts, and use Puzzle’s AI accuracy reviews
Have a single-entity business
Not rely on CSV uploads, PDF uploads, or unsupported integrations
How do I request a refund?
If you don’t see at least a 50% reduction by your second monthly close, request a refund within 30 days, and no later than 90 days from your original subscription date.
Refunds cover Puzzle subscription fees only. They exclude third-party fees, implementation fees, taxes, and pass-through costs.
Common questions
Can I upgrade my plan later?
Yes. You can upgrade from Core to Complete or Scale at any time, and your data carries forward.
Can I buy accounting services without a Puzzle subscription?
No. Services and add-ons are only available with an active Puzzle subscription.
What does the Core / Complete selector on the pricing page change?
It sets which software plan your accounting service runs on. Your plan and your service are separate choices: the selector sets your software, and the expense slider sets your service price.
Not sure which plan is right for you?
Book a call with us.