Puzzle pricing 2026: plans and costs
Quick pricing summary
- Starter: $30 month
- Core: $72 month
- Complete: $120 month
- Scale: $360 month
- Worth noting: Yearly billing is 12 months for the price of 10. 'Try for free' offered but trial length not stated. 50% faster close money-back guarantee within first 60 days, with eligibility conditions.
Plans
Starter
$30 month
- 25 lifetime AI credits
- 1 seat
- 85–90% of transactions categorized automatically
- Auto-drafted financial statements
- Cash & accrual books
- Unlimited connections
- 1-click tax report
- CPA-approved Chart of Accounts templates
Core
$72 month
- 25 lifetime AI credits
- 5 seats
- Everything in Starter
- 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
$120 month
- 100 AI credits / month
- Unlimited seats
- Everything in Core
- 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
Scale
$360 month
- 300 AI credits / month
- Unlimited seats
- Everything in Complete
- Higher-volume accounting
- Subledgers
- No transaction limits
- No integration limits
- Backup and restore
- Dedicated onboarding and support
What you get on each plan
| Feature | Starter | Core | Complete | Scale |
|---|---|---|---|---|
| AI credits | 25 lifetime | 25 lifetime | 100 / month | 300 / month |
| Seats | 1 | 5 | Unlimited | Unlimited |
| Auto-drafted financial statements | ✓ | ✓ | ✓ | ✓ |
| Insights: Cash, Burn, Runway, Margin | — | ✓ | ✓ | ✓ |
| Multi-entity (via Integration) | — | ✓ | ✓ | ✓ |
| Custom chart of accounts | — | ✓ | ✓ | ✓ |
| AI-powered accuracy review | — | — | ✓ | ✓ |
| Revenue recognition | — | — | ✓ | ✓ |
| Classes, departments and projects | — | — | ✓ | ✓ |
| Priority support | — | — | ✓ | ✓ |
| Subledgers | — | — | — | ✓ |
| Dedicated onboarding and support | — | — | — | ✓ |
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Expert Reviewed Bookkeeping (with Core) | $171/mo (software + service, up to $10K/mo expenses) | Core |
| Migration | $149 per system | All plans |
| R&D study | 1.5% of QRE | All plans |
| Catch-up bookkeeping | From $300 per month of books | All plans |
| Tax filing | From $1,250 per year + $250 per state | All plans |
| Budget & operating plan | From $3,500 | All plans |
| Fundraise readiness | From $7,500 | All plans |
| Fractional CFO | From $2,400 per month | All plans |
| Controller | $2,000 per month | All plans |
| 13-Week cash flow forecast | From $299 per month | All plans |
| Payroll & people ops | From $49 per employee per month ($99 with Full HR); 5 employee minimum | All plans |
| Sales tax | $149 per state per month | All plans |
Puzzle pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Puzzle | $30 / mo | No | Flat tiers | — | |
| QuickBooks Online | — | — | — | Small and mid-market businesses | Compare → |
| Xero | $27 / mo | No | Flat tiers | Small businesses, and the accountants and bookkeepers who work with them | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
| FreshBooks | $23 / mo | No · 30-day trial | Flat tiers | Freelancers, solopreneurs and small service-based businesses with employees or contractors | Compare → |
List prices as published on puzzle.io/pricing. Totals are worked examples, not quotes.