Xero was built for a different era.
Puzzle was built for this one.
Your team spends days every month on close. Puzzle gives them back. Ready to make the switch?
Private & No Slack Needed
The problem with Xero
"I'm paying premium prices just to unlock the features I actually need"
Xero gates essential features like multi-currency, project tracking, and KPI analysis behind their most expensive plan, forcing costly upgrades as your business grows.
"I waste hours on manual bookkeeping tasks weekly"
Manual categorization, reconciliation, and data entry that should be automated. Xero's JAX auto-reconcile is still in "Beta" with a stated goal of only 80% accuracy. Every mistake costs more time to fix.
"I'm flying blind and don't see things until it's too late"
Month-end reporting cycles delay critical business decisions when you need real-time insights to stay competitive. Xero locks advanced KPI analysis and ratio reporting behind their highest-tier $90/month Established plan — and even their entry-level plan has no access to customizable performance dashboards at all.
Puzzle does what Xero doesn't
While Xero is designed around manual workflows and gated features, Puzzle delivers automated insights the moment transactions happen.
- Relies heavily on third-party app marketplace.
- US payroll requires Gusto integration.
- Traditional cloud architecture.
- Native best-in-class integrations including Stripe, Brex, Mercury and Ramp.
- AI-native, real-time data platform.
- Modern, flexible API.
- Simultaneous Cash & Accrual Accounting.
- Feature gating forces upgrades.
- Multi-currency, project tracking, and expense claims only on the $90/mo Established plan.
- Recent price increases on Standard and Premium plans.
- Transparent, all-inclusive pricing.
- No hidden fees or add-ons.
- Dedicated support team with experienced CPAs.
- True growth partnership.
- Get instant responses to questions with Puzzle AI.
- Suffered 5 consecutive days of global outages in May 2026, forcing a public CEO apology.
- Complex setup that requires accountant assistance or Xero's own coaching program to navigate.
- 15-minute setup process.
- Intuitive design.
- Day-one productivity and insights.
- Always-on, real-time architecture.
Switching is easier than staying stuck
Switching to Puzzle is easier than you think. We'll help you with migration, setup and expert support.
Expert migration for $149
Simple migrations usually take about 3–5 business days. The $149 migration fee is waived when you add catch-up bookkeeping or Full Service. Start with a 30-minute strategy call.
Puzzle certified accountants
We'll match you with an expert bookkeeper when you are ready or from day 1
Fast and easy setup
Days, not months, to financial insights: Get set up in as little as 15 minutes
"Puzzle generated my financial statements and insights in 14 clicks. It literally took 2 minutes. My mind was blown compared to QuickBooks."
"Before Puzzle, we mostly tracked burn via bank statements. We knew this wasn't scalable, but the team needed a more user-friendly solution than QuickBooks."
"We switched from Pilot and QuickBooks, going from a total sh*tshow to simplicity."
"Puzzle enabled us to launch bookkeeping as a profitable, high-margin service. We went from onboarding to delivering results within days—unheard of in traditional bookkeeping"
“Before I started using Puzzle, figuring out my financials was a chore combing QuickBooks, chatting with my bookkeeper, and working in Excel. Now, I am able to look at a single dashboard and get all the info I need.”
“We’ve been using Puzzle for quite some time now, and we love it! Funny enough, we didn't even know how painful accounting could be before we spoke to fellow YC companies that run on Quickbooks"
"To sort through 1,200 Stripe transactions in QuickBooks would have been a nightmare. With Puzzle, it just does it. We can actually integrate, so we've got all that detail in there. It's a huge time savings."
"Puzzle saved time and days by removing the need to ask the client to review categorizations, help us understand what was missing, and then make those corrections in the accounting software."
"People in this industry work crazy hours. You don't need to. The right tools can give you some of your life back."
Already convinced? Here is how switching works.
Get started:
- Guided onboarding built for switchers
- Connect your integrations in one click
- Bring your accountant or find one in our network
See instant results:
- AI agents categorize from day one
- 85–90% automated, no rules to write
- Real-time financials immediately
Get results faster:
- Up to 50% faster month-end
- AI agents handle reconciliation automatically
- Always accurate, always current
