# puzzle.io llms.txt > Puzzle is AI-native accounting software that delivers accurate books at AI speed for startups, small businesses, and accounting firms. Built on an agent-native architecture with an immutable, append-only ledger, Puzzle auto-categorizes up to 98% of transactions, generates real-time financial statements in both cash and accrual basis simultaneously, automates reconciliations, and cuts month-end close time by 50% or more compared to QuickBooks and legacy general ledgers. Designed by accountants. Powered by AI agents. ## Core Product - [Puzzle Homepage](https://puzzle.io/): The AI-native alternative to QuickBooks. Accurate books at AI speed. Built to give you hours back with books you trust. Trusted by 7,000+ accounting firms and startups. - [How Puzzle Works](https://puzzle.io/how-it-works): Puzzle ingests and validates financial data into an immutable system, generates draft financials using AI trained on strict accounting standards, and delivers real-time cash and accrual books, insights, metrics, and variance analysis. Setup takes 15 minutes. - [Pricing](https://puzzle.io/pricing): Four plans: Starter ($25/mo, free until $20K transaction volume), Core ($60/mo), Complete ($100/mo, most popular), and Scale ($300/mo). All plans include AI-powered categorization, cash and accrual books, and unlimited integrations. 14-day free trial on Complete. 50% faster month-end close guaranteed or your money back. ## Products - [AI Close](https://puzzle.io/ai-close): Automate month-end close with AI agents. AI Close agents execute the close process your accountants design. Customizable, permissioned, aligned. Firms report 50% faster month-end close and tripling client capacity without adding headcount. - [Accrual Automation](https://puzzle.io/accrual-automation): Automated full-lifecycle schedules for prepaid expenses, fixed assets, depreciation, and bill matching. Two general ledgers from the same underlying data with instant cash-to-accrual toggle. - [Invoicing](https://puzzle.io/invoicing): Send professional invoices in seconds. Payments automatically post to accounts receivable and route into revenue recognition. Zero manual journal entries from invoice to closed AR. - [Revenue Recognition](https://puzzle.io/revenue-recognition): Automated accrual revenue recognition across Stripe, BILL, Mercury, custom invoices, and manual CSVs. Every automated revenue schedule is permanently linked to its underlying source transaction. 98% automated transaction matching. - [Accuracy AI](https://puzzle.io/accuracy-ai): Six layers of continuous accuracy checks: vendor review, transaction review, flux analysis, month-end close review, pre-drafted reconciliations, and ledger health scans. Every recommendation surfaced for human review and approval. - [Integrations](https://puzzle.io/integrations): Native integrations with Stripe, Mercury, Ramp, Brex, Gusto, Rippling, Deel, and thousands more through Plaid. No manual imports, no syncing, no exports. - [API / MCP](https://puzzle.io/api-mcp): One ledger, two ways in. Build with the API for custom dashboards, workflows, and embedded accounting. Analyze in plain English with MCP. Claude, ChatGPT, and Cursor compatible. 99.9% API uptime. $50B+ transactions processed. MCP is read-only and user-permissioned. ## For Accounting Firms - [Puzzle for Firms](https://puzzle.io/for-accounting-firms): Scale revenue without scaling headcount. From 10 clients to 30 clients, same team. Up to 50% faster close every month. - [Puzzle for Accountants](https://puzzle.io/for-accountants): AI-powered, accountant-designed. Automates categorization, reconciliation, and close workflows so firms can focus on advisory. - [AI Field Guide for Accounting Firms](https://puzzle.io/ai-field-guide-for-accounting-firms): Two questions to ask every AI vendor. A practical guide for firms evaluating AI accounting tools. ## For Companies - [Puzzle for Startups](https://puzzle.io/solutions/startup): Know your numbers every day. Real-time visibility into cash flow, burn rate, runway, and revenue metrics. Fundraise-ready financials on demand. - [Puzzle for SMBs](https://puzzle.io/small-business): Real-time, accurate books. AI-native accounting replacing QuickBooks with 15-minute setup, 98% auto-categorization, and transparent pricing. ## Comparisons - [Puzzle vs QuickBooks](https://puzzle.io/quickbooks): Side-by-side comparison. QuickBooks was built for a different era. Puzzle delivers AI-native automation, real-time financials, native integrations, transparent pricing, and 15-minute setup. Free migration included. - [Puzzle vs Digits](https://puzzle.io/blog/puzzle-vs-digits): Puzzle keeps accountants in control with governed AI that is transparent, reviewable, and reversible. Digits takes an autonomous approach that auto-books entries without accountant review. Puzzle partners exclusively with accounting firms and will never compete for their clients. - [Puzzle vs Xero](https://puzzle.io/blog/puzzle-vs-xero): Xero generates 7% of revenue from North America and lacks native burn rate, runway, and dual-basis accounting. Puzzle was built for US startups with native Stripe, Mercury, and Ramp integrations and 98% automated categorization. - [Puzzle vs Campfire](https://puzzle.io/blog/puzzle-vs-campfire): Campfire requires days to weeks of ERP-style setup for companies with dedicated finance teams. Puzzle connects your financial stack in minutes and delivers real-time burn rate and runway insights in your first week for pre-seed to Series B startups. - [Puzzle vs Zoho Books](https://puzzle.io/blog/puzzle-vs-zoho-books): Zoho Books handles basic accounting but requires third-party connectors for fintech integrations and manual spreadsheets for startup metrics. Puzzle connects natively to Stripe, Mercury, and Ramp and automates revenue recognition without workarounds. ## Blog & Insights - [The Opportunity to Build the Next Generational Accounting Software](https://puzzle.io/blog/the-opportunity-to-build-the-next-generational-accounting-software): Puzzle's founding vision. Accounting and finance are the underrated superpowers that set apart the next great founder-CEOs. The future of accounting looks more like an API-enabled financial data platform, structured by a smart general ledger, connected to the best solutions on the market. - [AI Close Is Now Available](https://puzzle.io/blog/ai-close-accounting-agent): Product launch announcement. AI Close is live for all accounting firms on Puzzle. The first agent builder integrated directly into the general ledger. Accountants describe tasks in plain language, the system builds repeatable agents, and nothing posts without accountant sign-off. - [AI Close for Accounting Firms](https://puzzle.io/blog/ai-close-for-accounting-firms): AI Close prepares the work for you, with the accountant still in control. Describes how agent workflows run inside the ledger with no syncing, no separate system, and no code required. Firms expand capacity without hiring at the same pace. - [What Are AI Agents in Accounting?](https://puzzle.io/blog/what-are-ai-agents-accounting): Plain-language breakdown of what AI agents are, how they differ from general-purpose LLMs like ChatGPT and Claude, and how they work in accounting workflows. AI agents are deterministic in execution, follow explicit rules, and return results for accountant review. ## Resources - [Blog & News](https://puzzle.io/blog): Product news, feature announcements, founder guides, accounting firm strategy, and perspectives on AI-native accounting. - [Customer Stories](https://puzzle.io/customer-stories): Case studies from firms and companies that switched to Puzzle, including outcomes like 50% faster close, 3+ hours saved per client monthly, and 81% of reconciliations fully automated. - [Find an Accountant](https://puzzle.io/accountant-listing): Directory of Puzzle-certified accountants and bookkeepers. - [Time Savings Calculator](https://puzzle.io/time-savings-calculator): Calculate how much time your team saves by switching from QuickBooks to Puzzle. - [Partner Rewards](https://puzzle.io/partner-rewards): Partner program for accounting firms. - [Security](https://puzzle.io/security): SOC 2 compliant. AES 256-bit encryption. Read-only data integrations. US-based infrastructure. ## Help & Support - [Help Center](https://help.puzzle.io/en/): Documentation, guides, and support resources. - [Developer Documentation](https://puzzle-api.readme.io/docs/welcome): API documentation for Puzzle's developer endpoints covering accounting workflows, metrics, reports, and transactions.