General Ledger + Converter in one subscription.
See pricingRANKING · PUZZLE ACCOUNTING ALTERNATIVES
The best Puzzle alternative is ZeraBooks. Puzzle’s AI drafts the books for you to review and approve, is built for startups from pre-seed to Series B, and meters its AI in credits. ZeraBooks closes each month from your bank statements, proves it against the bank, and catches up past months free; ZeraBooks AI bookkeeping costs $79 a month billed annually.
We make ZeraBooks · 7-day trial · $79 a month billed annually
PUZZLE’S PLANS
Puzzle’s software-only plans, read on its pricing page on November 8, 2026. Each includes its AI suite (chat, cowork and close), metered in AI credits.
| Plan | Price a month | Seats | AI credits |
|---|---|---|---|
| Starter | $30 | 1 | 25 for the life of the plan |
| Core | $72 | 5 | 25 for the life of the plan |
| Complete | $120 | Unlimited | 100 a month |
| Scale | $360 | Unlimited | 300 a month |
Billed yearly, Puzzle charges 12 months for the price of 10. Its Expert Reviewed bookkeeping service starts at $171 a month on Core, for businesses with up to $10K in monthly expenses and no payroll processing, payables, receivables or inventory.
FREE SETUP
On a free 15-minute call we set ZeraBooks up on your statements and catch up the months since your last close.
THE RANKING
First, because the month is finished, not waiting for you: Ask Zera categorizes, matches bills and invoices, reconciles and signs off once the bank ties, and asks only what it can’t know. Invoices and bills are part of the month too, which Puzzle’s Expert Reviewed service doesn’t take on. See Ask Zera.
$79/mo billed annuallyMonth closedAny small business
Another AI-native ledger with bank and payroll connections and mobile apps, from $65 a month. Compared on the best Digits alternatives.
$65/mo
For startups that want a finance team with the AI, from $494 a month billed annually.
$494/mo
An AI bookkeeper added to QuickBooks or Xero, $129 per business.
$129/mo + QuickBooks or Xero
Per-organization plans from free to $275 a month.
Free, then $20/mo
An AI-native ERP for finance teams at larger companies, by demo.
Demo only
CLOSED, NOT DRAFTED
SIGNED OFF AT $0.00
A month that ties to its statement is signed off and closed; the reports for it stop moving. A month that doesn’t stays open with the difference shown and an AI re-read of the statement proposing fixes.
INVESTOR-READY REPORTS
Built from the same closed books, ready to send. Startups can read the best accounting software for startups ranking next.
MORE SOFTWARE RANKINGS
Puzzle lists Starter at $30, Core at $72, Complete at $120 and Scale at $360 a month, with 12 months for the price of 10 on yearly billing. Bookkeeping service plans start at $171 a month on top of Core.
Puzzle describes itself as built for startups from pre-seed to Series B. ZeraBooks is made for any small business that wants the books done, startups included.
ZeraBooks plans are one price: $79 a month billed annually or $149 monthly, with Autopilot, Ask Zera and the Converter included.
Below ZeraBooks on the best AI accounting software hub, which lists eight AI accounting tools with each vendor’s own prices.
FREE SETUP + CATCH-UP
Start the 7-day trial or book the free setup call. Bring your statements; we bring you up to date.