AI-native accounting built for startups, with real-time burn, runway and close
Ideal for a solo startup founder who may raise — the catch is it is shaped for startups, not for every kind of small business.
Setup: Same day · Control: Approves before acting
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Puzzle was designed for founders who find traditional ledgers hostile and who need investor-ready numbers without hiring a finance team on day one. Connect banks, cards and tools such as Stripe, Mercury, Brex, Ramp and Gusto, and its AI categorises most transactions automatically, drafts financial statements on both cash and accrual bases, and keeps metrics founders actually watch — cash, burn, runway and margin — current in real time rather than after a monthly close. You can run it yourself, reviewing and approving what the AI drafts, or add a service layer where Puzzle accountants or a vetted partner firm review corrections, check reconciliations and close the books for you each month. That service path is priced on top of the software and is aimed at straightforward, single-entity companies at lower expense levels. Puzzle is deliberately startup-shaped: it speaks in runway and fundraising readiness, offers catch-up, migration, tax filing through partners and even fractional CFO help as add-ons, and is less oriented to inventory-heavy, multi-location or non-tech businesses. For a solo or very small founding team that expects to raise, report to investors, or simply wants daily visibility, it is one of the most founder-friendly ledgers available.
Published software tiers, with optional accounting services on top; annual billing is offered at 12 months for the price of 10 on software.
| Plan | Published price |
|---|---|
| Starter | $30/mo |
| Core | $72/mo |
| Complete | $120/mo |
| Scale | $360/mo |
Integrations we verified: Stripe, Mercury, Brex, Ramp, Gusto, Rippling, QuickBooks migration
A ledger that keeps your books current every day, not just at month-end
Excellent solo fit if you will review exceptions weekly — the catch is there is no human bookkeeper in the price.
Self-driving bookkeeping that categorises, reconciles and hunts deductions for you
One of the best-value solo options — the catch is tax filing and complex accrual work still sit outside it.
The default small-business ledger, now with built-in AI agents doing the routine posting
The most portable solo choice — the catch is it is software you run, not a service that runs your books for you.
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