Puzzle
AI-native general ledger for startups, with real-time burn and runway
Overview
Puzzle is AI-native accounting software for US startups: a general ledger that auto-categorises transactions, reconciles accounts and drafts statements for review, with cash and accrual books, real-time burn and runway, revenue recognition, an AI suite and optional bookkeeping services. From $30 a month; Starter free for two months.
Pricing
Pricing shown for reference only. These figures reflect RECATOOLS research as of 1 Oct 2026 and may be out of date or incomplete. This is not financial or purchasing advice — always confirm the current price on the provider’s official website before making any decision.
- 1 user
- Auto-categorisation and drafted statements
- Cash and accrual books
- 1-click tax report
- 25 lifetime AI credits
- 5 users
- Cash, burn, runway and margin insights
- Spend and revenue tracking
- Multi-entity via integration
- Unlimited users
- AI reconciliations and accuracy review
- Revenue recognition
- 100 AI credits a month
- 50% faster close guarantee
- Subledgers
- No transaction or integration limits
- 300 AI credits a month
- Dedicated onboarding and support
What you can produce with Puzzle
- AI transaction categorisation and reconciliation
- Auto-drafted financial statements
- Real-time burn, runway and margin reporting
- Revenue recognition and subledgers
- AI suite with chat and close assistant
- Optional bookkeeping and tax services
Puzzle is a well-designed ledger for venture-backed US startups that want live financial metrics and heavy automation with a human reviewer in the loop, and its pricing is transparent. It is in transition: its accounting-firm business is being sold to Accrual and the founder is leaving, while the startup product continues under new leadership. The old free tier is gone, and its automation figures are its own. A good fit for US startups with straightforward books; watch how Puzzle 2.0 develops before committing a complex entity structure.
What we found
Puzzle is AI-native accounting software for startups and small businesses: a general ledger that connects to banks, cards, payment and payroll tools such as Stripe, Brex, Mercury, Ramp, Gusto, Deel, Rippling and Bill.com, then categorises transactions, reconciles accounts and drafts financial statements for a person to review. It keeps both cash and accrual books, reports burn, runway, margins and spending continuously, and adds revenue recognition, subledgers, a one-click tax report and an AI suite — chat, a close assistant and a coming Cowork agent — plus an API and MCP access. Puzzle says it automates up to 98 per cent of categorisation, though its own FAQ says 85 to 95 per cent of repetitive work; both are its own figures. It now also sells bookkeeping, catch-up, tax and R&D-credit services, and focuses on US businesses.
Puzzle Financial Inc. was co-founded by Sasha Orloff and John Cwikla and raised a $15 million Series A led by General Catalyst and a $30 million round led by S32 and XYZ Capital in 2023. In September 2026 Accrual agreed to buy Puzzle's products for accounting firms, with Orloff moving to Accrual; the startup product continues independently as Puzzle 2.0, led by Ozgur Uzuner. Puzzle says more than 7,000 startups and firms use it.
There is no free plan; Starter is free for the first two months. Starter then costs $30 a month or $24 billed yearly, for one user; Core $72 or $58, for five users with insights, spend and revenue tracking; Complete, the most popular, $120 or $96, with unlimited users, AI reconciliations and accuracy review, revenue recognition and a guarantee of a 50 per cent faster close; and Scale $360 or $288, adding subledgers and no transaction limits. Expert-reviewed bookkeeping starts at $171 a month.
Independent reviews are sparse, and the criticisms circulating trace to single sources. Puzzle suits US startups wanting real-time numbers with an accountant in the loop.
Compiled by RECATOOLS from public sources: vendor documentation and pricing, code repositories and published reporting.
About this listing
This entry was compiled from publicly available data including Puzzle's official website, press releases, documentation, and reputable third-party publications. RECATOOLS is not affiliated with Puzzle unless explicitly stated.
Third-party AI tools update their pricing, features, availability, and policies frequently. Information here may be outdated by the time you read this — we make reasonable efforts to keep listings current, but cannot guarantee absolute accuracy.
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