Puzzle AI features and pricing (October 2026)

Puzzle is AI accounting software with its own general ledger for startups, small businesses, bookkeepers and accounting firms. It categorizes and reconciles transactions continuously and shows cash, burn and runway in real time.

Puzzle replaces a classic small business ledger with a general ledger that supports cash and accrual accounting, revenue recognition and multi-entity setups through integrations. It connects natively to Stripe, Brex, Mercury, Ramp, Deel, Gusto, Rippling and other tools, and offers an API and MCP access. Software-only plans come with a monthly allowance of AI credits, and separate plans add review by accounting professionals. The vendor reports more than 7,000 companies using Puzzle, is backed by General Catalyst and operates as Puzzle Financial Inc. in the United States.

• Categorizes transactions automaticallyPuzzle categorizes incoming bank and card transactions and, according to the vendor, handles up to 98 percent automatically. Nothing posts to the ledger without approval, so founders and bookkeepers only confirm the proposals and fix exceptions.
• Reviews books for accuracyAccuracy AI flags vendors that are categorized inconsistently with a suggested mapping, highlights unexpected variances in flux analysis and scans the ledger for double postings, unusual amounts and suspicious descriptions. Errors are found during the month rather than at close.
• Pre-drafts reconciliations and closeAI agents match bank feeds to ledger entries in the background and pre-draft reconciliations. During month-end they guide the close checklist, tag issues by confidence and draft recommendations for the reviewer.
• Answers questions and handles busyworkA chat interface answers questions such as how cash is trending. The Cowork agent matches invoices to payments and finds recurring subscriptions, which saves small teams manual lookups in bank portals and billing tools.

• Has its own general ledger with cash and accrual modes instead of sitting on top of QuickBooks or Xero.
• Publishes prices from $30 per month, with a free trial and AI credits included by plan.
• Offers optional plans with review by accounting professionals next to the self-service software.

Puzzle Financial Inc. is a US company, stores data on US servers according to its security page and integrates mainly with US services such as Mercury, Brex, Ramp and Gusto.

Puzzle stores data on US servers and its privacy policy did not mention GDPR in September 2026, so it fits US entities best. Check how many AI credits your plan includes, since reconciliation and accuracy reviews start with the Complete plan. The SOC 2 report type, single sign-on, a data processing agreement and a subprocessor list were not published; ask for them before connecting bank accounts.

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