Accrual Automation

Businesses run on cash. Accountants close on accrual.

Puzzle generates two different general ledgers from the same underlying data, resulting in two different reporting views.

Interactive Ledger

Two General Ledgers

From One Underlying Dataset

Showing cash-basis views. Accrual schedules (prepaids, depreciation) live in offline spreadsheets.
Source Transaction Mercury Bank Feed
$12,000.00 (Prepaid Insurance)
Amortization Schedule None (requires offline calculation)
Drafted Monthly Entry None (requires manual journal entry)
Accrual-Ready Balance $248,500.00
Showing accrual-basis views. Amortization schedules and monthly entries are auto-generated by Puzzle.
Source Transaction Mercury Bank Feed
$12,000.00 (Prepaid Insurance)
Amortization Schedule $1,000.00 / month × 12
Drafted Monthly Entry Auto-generated ✓
Accrual-Ready Balance $248,500.00

7,000+ accounting firms and startups trust Puzzle.

The Problem

The Cash-to-Accrual Gap Creates Manual Work

Founders Need Cash Visibility

Cash tells founders whether they can hire, spend, survive, or grow. But investors, auditors, and lenders don’t operate on cash-basis books.

Firms Need Accrual Accuracy

Legacy systems push accrual work into spreadsheets. Prepaids, depreciation, deferred revenue, amortization schedules. Closes happen outside the ledger.

Legacy systems force firms to maintain cash and accrual workflows separately. Schedules live in spreadsheets, adjustments happen offline, and reconciliation becomes part of every close.

Automated Lifecycle

Continuous Ledger Lifecycle

How transactions flow seamlessly from source to cash and accrual views without manual journal entries.

1. Transaction

Bank feed triggers expense or revenue event

2. Schedule

Puzzle drafts automated schedule in real-time

3. Monthly Entries

Individual unsummarized entries generated

4. Review

Firm reviews and approves schedules before posting

5. Post

Ledger posts monthly and updates dual views

How Puzzle Eliminates Manual Accrual Work:

Workflow Without Puzzle With Puzzle
Prepaid Expenses Without PuzzleOffline spreadsheets. Summarized monthly entries with no transaction-level traceability. With PuzzleAutomated full-lifecycle schedules. Individual monthly entries (not summarized) posted and linked directly to transactions.
Revenue Recognition Without PuzzleSpreadsheet waterfalls. Summarized monthly entries with no contract-level traceability. With PuzzleContinuous full-contract schedules. Individual monthly entries (not summarized) posted and linked directly to contracts.
Fixed Assets Without PuzzleCalculated offline. Summarized monthly entries with no asset-level traceability. With PuzzleAuto-detected schedules. Individual monthly depreciation entries (not summarized) posted and linked directly to assets.
Automated Bill Matching Without PuzzleManually matching bank feeds to open bills. Hours of tedious work per close. With PuzzleIncoming payments auto-matched to open bills. Outstanding bills cleared instantly.
Accrual Adjustments Without PuzzleAdjusting accrual schedules requires deleting journal entries, recalculating offline, and reposting. With PuzzleUpdate an accrual schedule, and the ledger automatically recalculates and updates all downstream entries instantly.
Reporting Views Without PuzzleMaintain separate trial balances or perform complex adjustments to toggle between cash and accrual. With PuzzleOne continuous ledger. Switch between cash visibility and accrual accuracy instantly with a single toggle.

How Puzzle Works: Built Into the Ledger, Not Bolted On

Legacy platforms calculate accruals outside the ledger and summarize the results. Puzzle drafts schedules and journal entries directly inside the ledger itself.

Accrual Automation Use Cases

Example: Revenue Recognition Built Into the Ledger

Revenue Recognition is one of the most powerful examples of accrual automation. Puzzle continuously drafts revenue schedules from Stripe, Bill, and Mercury activity, feeding directly into the same continuous ledger powering your cash and accrual views.

See Revenue Recognition
FAQs

Questions we hear a lot.

How does Puzzle handle accrual schedules?

Puzzle supports many times of amortization or depreciation schedules based on your firm’s preferences. Once approved, the ledger continuously updates both the cash and accrual views. You can view, change, edit or cancel anytime.

Can firms customize amortization and depreciation policies?

Yes. Your firm maintains complete control over the accounting policies. You can set default depreciation methods, useful life guidelines, and capitalization thresholds.

What happens when a transaction changes after schedules are created?

You can also manually adjust schedules directly in the UI and the ledger instantly updates the downstream impact without requiring you to manually delete and recreate journal entries.

Does Puzzle maintain both cash and accrual reporting simultaneously?

Yes. Puzzle maintains cash and accrual reporting simultaneously from the same transaction data, allowing firms to move between operational cash visibility and accrual reporting without maintaining separate workflows.

How are accrual entries reviewed before posting?

New accrual schedules require initial review and approval to maintain your firm's standards. Once approved, Puzzle automatically posts subsequent journal entries generated by that schedule until the schedule ends or is modified (for example, when an asset is disposed of).

Accurate Books.
At AI Speed.

Stop wasting hours on manual journal entries for prepaids, depreciation, and bill matching. Join the modern accounting firms and fast-growing startups building on the platform designed for the agent era.