Puzzle vs Zoho Books Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Puzzle pricing | Zoho Books pricing | |
|---|---|---|
| Starts at | $30/mo | $20/mo |
| Number of plans | 4 | 4 |
| Free plan | — | |
| Free trial | ||
| Pricing model | flat-rate | flat-rate |
Price is one row. To weigh the features too, use our feature comparison template →
Starter
- AI Suite Included
- 25 lifetime AI credits
- Up to 98% auto-categorization
- Auto-drafted financial statements
- Cash & accrual books
- Unlimited connections
- 1-click tax report
- CPA-approved Chart of Accounts templates
Core
- AI Suite Included
- 25 lifetime AI credits
- Insights: Cash, Burn, Runway, Margin & more
- Spend tracking and insights
- Revenue tracking and insights
- Variance analysis
- Multi-entity (via Integration)
- Advanced reporting
- Custom chart of accounts
Complete
Popular- AI Suite Included
- 100 AI credits / month
- AI-powered accuracy review
- AI-powered reconciliations
- AI insights and analysis
- Enhanced categorization
- Categorize from your inbox
- Classes, departments and projects
- Revenue recognition
- Priority support
- Integrates with Stripe, Ramp, Mercury, Brex & more
Scale
- AI Suite Included
- 300 AI credits / month
- Higher-volume accounting
- Subledgers
- No transaction limits
- No integration limits
- Backup and restore
- Priority support
- Dedicated onboarding and support
FREE
- Create invoices, quotes, expenses & journals
- Receipt autoscans (New)
- Sales receipts
- Manage vendors
- Mileage tracking
- Accept online payments
- Enable self-service customer portal
- Retention payments
- Automate payment reminders
- Bank reconciliation
- Setup recurring invoices
- W-9 management
- Track 1099 contractors
- Prepare and file 1099s
- P&L, Balance Sheet & 50+ Reports
STANDARD
- Progress invoicing
- Track sales tax and use tax
- E-File 1099-MISC & 1099-NEC
- Connect bank feeds
- Setup recurring expenses
- Enable transaction period locking
- Add custom fields
- Create custom reports
- Create journal templates
- API Access
PROFESSIONAL
Popular- Track sales and purchase orders
- Record multi-currency transactions
- Bill timesheets
- Project profitability
- Manage retainers
- Track inventory
- Create price lists
- Setup sales and purchase approvals
- Customize business workflows
- Collaborate with users (chat, voice, video and screen sharing)
- Create custom user roles
PREMIUM
- Revenue recognition - Basic
- Fixed asset management
- Profit Margin
- Manage budgets
- Cashflow forecasting
- Enable self-service vendor portal
- Set up custom domain
- Create business-specific custom modules
- Add custom button
- Create custom field validation rules
- Embed contextual web pages/apps
- Manage custom functions
Puzzle vs Zoho Books FAQ
- Which one is cheaper?
- Zoho Books is the cheaper option, starting at $20/mo vs $30/mo for Puzzle.
- Can I use either one for free?
- Zoho Books has a free plan. Puzzle doesn't — though they do offer a free trial.
- How do they charge?
- Both use a flat-rate model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Puzzle: At $30-$360/mo flat, Puzzle sits mid-market — pricier than DIY tools like Wave or QuickBooks self-serve, but way cheaper than hiring a bookkeeping firm or an outsourced controller. They're clearly courting VC-backed startups that need investor-grade books without the cost of a full finance team. Zoho Books: Sitting well under QuickBooks and Xero at every tier, Zoho Books is clearly playing the value card for cost-conscious small businesses and Zoho ecosystem users who want accounting bundled cheaply with CRM, inventory, and other Zoho apps.
Still deciding? See the best Puzzle alternatives or the best Zoho Books alternatives, ranked with verified pricing.
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