Puzzle Pricing (2026)

Flat monthly rate per plan rather than per-seat or usage-based, so you're paying for a tier of bookkeeping service depth, not headcount. The real value metric is service scope — how much accounting complexity and support Puzzle handles for you at that price point.

From $30/mo 4 plans flat-rate Free trial Best Puzzle alternatives → Puzzle's competitors →
Starter
$30/mo
Core
$72/mo
Complete Popular
$120/mo
Scale
$360/mo
Verified Sep 22, 2026 Official pricing page

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Puzzle has changed its pricing 1 time since we started watching. Last change Sep 22, 2026.

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Screenshot of Puzzle's pricing page showing its plans and prices
Their pricing page, captured Sep 22, 2026

Starter

$30/mo
  • 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

$72/mo
  • 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
$120/mo
  • 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

$360/mo
  • 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

Does Puzzle have a free plan?

No. There's no free-forever plan. There is a free trial, and paid plans start at $30/mo.

Want free? Invoice Ninja and MarginEdge have free plans: see all Puzzle alternatives →

AI Pricing Analysis

Pricing Model

Flat monthly rate per plan rather than per-seat or usage-based, so you're paying for a tier of bookkeeping service depth, not headcount. The real value metric is service scope — how much accounting complexity and support Puzzle handles for you at that price point.

Tier Strategy

Starter's the trial-wheels tier for early-stage founders just getting off spreadsheets (and it's free for 2 months, basically a soft trial extension). Core and Complete target companies with actual transaction volume and multi-entity or investor-reporting needs, while Scale is built for finance teams that need heavier compliance and dedicated support — the jump usually happens when a company raises a round and suddenly needs real financials, not just clean books.

Competitive Positioning

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.

Growth Lever

The paywall isn't really features — it's transaction complexity and add-on services like R&D tax credit studies, catch-up bookkeeping, and tax filing that get bolted on as a company's finances mature. Expansion revenue comes less from upselling seats and more from cross-selling these one-off compliance services once a company's actually generating revenue and needs to file taxes properly.”

Want the strategist's read on the live page? Read the AI teardown of Puzzle's pricing page →

Puzzle Pricing FAQ

How much does Puzzle cost?
Paid plans start at $30/mo, going up to $360/mo for larger teams.
Is there a free plan?
No free plan. But there is a free trial, so you can test it out before paying.
Can I try it before paying?
Yes — there's a free trial.
How does the pricing work?
Flat monthly rate per plan rather than per-seat or usage-based, so you're paying for a tier of bookkeeping service depth, not headcount. The real value metric is service scope — how much accounting complexity and support Puzzle handles for you at that price point.
Is there a discount for annual billing?
Save 20% with annual billing.
Which plan makes sense for me?
Starter's the trial-wheels tier for early-stage founders just getting off spreadsheets (and it's free for 2 months, basically a soft trial extension). Core and Complete target companies with actual transaction volume and multi-entity or investor-reporting needs, while Scale is built for finance teams that need heavier compliance and dedicated support — the jump usually happens when a company raises a round and suddenly needs real financials, not just clean books.

More Accounting pricing

All Accounting pricing →

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