Puzzle vs T:0
Puzzle
puzzle.ioT:0
t0.aiSide by side
| Figure | Puzzle | T:0 |
|---|---|---|
| Price from | $30/mo | $199/mo |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | — |
| Plans published | 12 | 4 |
| Spec score · AI Accounting Software | 8.5 (#10) | 6.9 (#29) |
| Integrations | Supported connections include Stripe, Mercury, Brex, Ramp, Gusto, Rippling, Deel, Central, Bill.com, Plaid and Joiin. | The Integrator connects to more than 12,000 financial platforms, including payroll, cards, billing, payments, and banks. |
| Product | Puzzle describes itself as AI-powered accounting software with a modern general ledger and real-time financials. | T:0 automates company finance, including bookkeeping and trend analysis, and provides real-time answers about business finances. |
| Security | Puzzle says its data is encrypted using AES 256-bit encryption and its data integrations are read-only. | The Integrator page says bank connections are read-only and encrypted, using industry-standard infrastructure. |
Plans
Puzzle
- R&D Study$1.50, paid once
- Starter$30 a month
- Core$72 a month
- Complete$120 a month
- Migration$149, paid once
- Migration add-on$149, paid once
- Core + Expert Reviewed Bookkeeping$171 a month
- Expert Reviewed service$171 a month
- Catch-up bookkeeping$300 a month
- Catch-up bookkeeping add-on$300 a month
T:0
- Platform-Only Access$199 a month
- Managed Bookkeeping$599 a month
- Managed Bookkeeping + Tax$749 a month
- CFO ServicesPriced on request
In their own words
Puzzle
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.