Puzzle

Puzzle is accounting software for startups, built around AI rather than having AI bolted on later. The distinction it draws against QuickBooks is that an AI-native ledger can categorise, reconcile, and close with less manual cleanup, because the automation was the starting point.

For an early-stage company, the useful parts are the ones founders actually watch: real-time financials, cash burn, and runway, alongside the standard general ledger and reconciliation. Revenue recognition is built in, which matters for startups with subscription income that need clean numbers for investors.

The pricing model fits the audience. A startup can begin free under $20K in transaction volume, then move up as it grows, with tiers from $30 to $150 a month adding burn insights, AI accuracy review, unlimited users, and subledgers. Cost scales with volume rather than per seat.

Puzzle connects to the tools startups already run: Stripe, Brex, Mercury, Ramp, Gusto, Rippling, Deel, BILL, and Plaid for bank feeds. That stack is US-centric, which is why the product is currently US-only.

It suits US startups and the firms that serve them, especially single-entity companies that want a fast close and clear burn tracking. It is less suited to businesses outside the US, multi-entity groups, or firms that want the depth of the established QuickBooks and Xero ecosystems.