FiNote vs Puzzle

FiNote is accounting software with AI assistance for business owners recording transactions and reviewing financial reports. Users describe business activity in plain language, and FiNote prepares a journal draft with suggested accounts and amounts. Users review those suggestions before a draft becomes part of the books. It supports sales, purchases, operating expenses, payables, receivables and other business transactions. Posted activity can appear in journals, an Income Statement, Trial Balance and Cash Flow Statement. FiNote is available on Android, iOS and the web, and is described as built for global small businesses. Starter is listed at $9.00 per month as a USD reference price for one user and 100,000 AI tokens. Business is $29.00 per month as a USD reference price for up to five users and 500,000 tokens. A free 14-day trial is available, but there is no free plan. The app store shows the final price, billing currency and subscription terms before purchase. FiNote says country-specific tax filing and professional accounting advice are separate needs. Its team invites users to contact support about their workflows and business needs.

Puzzle is AI-powered accounting software built around a general ledger and real-time financials. It supports cash and accrual accounting from the same underlying ledger. Puzzle Chat answers business questions in plain English, while Cowork can match invoices to payments and find subscriptions for review. AI agents can categorize transactions, reconcile accounts, and flag exceptions; users can review and edit these actions before financial statements are finalized. The listed integrations include Stripe, Ramp, Brex, Mercury, Gusto, Rippling, Deel, Meow, Causal, Runway, Bill.com, Central, MyRunwayHealth, and Joiin. Puzzle says integrations are read-only, data is encrypted using AES 256-bit encryption, and customers own their data. The company also states it is SOC 2 compliant, with role-based access, encryption in transit and at rest, and audit traceability for user activity and approvals. Puzzle is designed for startups and small and medium businesses, with services described as scaling from pre-seed to Series B. Customers can buy software alone or pair it with bookkeeping services. Starter costs $30 a month; there is no free plan, and a 14-day trial is listed.