What is Puzzle.io?
Puzzle.io is an AI‑first accounting platform built for startups and growing businesses. It delivers both cash‑ and accrual‑basis financials in real time—automatically generating ledgers, profit & loss statements, and insightful metrics like burn rate and runway, so you can focus on scaling, not spreadsheets
Effortless Setup and Integration
Getting started with Puzzle.io is as simple as linking your Stripe, Plaid, Gusto, Ramp, or Mercury accounts. In just a few clicks, transactions flow securely into your Puzzle dashboard, and you’re off to the races. Unlike legacy systems that require weeks of configuration, Puzzle.io’s onboarding wizard automatically maps your chart of accounts, suggests categorization rules based on your industry, and sets up both cash- and accrual-basis ledgers side-by-side. This seamless integration means zero downtime for your accounting—your financial statements are live from day one.
1. Real-Time Financial Statements
Imagine having up-to-the-minute profit & loss, balance sheet, and cash flow reports at your fingertips—no more waiting for month-end closes. Puzzle.io’s engine recalculates every time a new transaction lands, giving you continuous visibility into your runway, burn rate, MRR/ARR, and expense breakdowns. With this kind of immediacy, you can catch cash-flow issues before they become crises, test pricing changes on the fly, and confidently forecast hiring or fundraising needs based on actual performance.
2. AI-Driven Transaction Categorization
Manual categorization of hundreds of transactions each month is both tedious and error prone. Puzzle.io leverages machine learning to auto-classify spend with up to 95% accuracy. Over time, the system learns your preferences—if you tag a Stripe fee as “Bank Charges,” Puzzle.io applies that rule automatically next time. You can review and override any suggestions in bulk, but most customers find that the AI gets smarter and more precise with every reconciliation, slashing bookkeeping time in half.
3. Dual-Basis Reporting for Investors and Tax
Startups often need both cash-basis reports for internal management and accrual-basis statements for GAAP compliance and investor updates. Puzzle.io maintains both sets of books concurrently, so you can toggle between them without exporting or reconfiguring. Whether you’re preparing a board deck or handing over clean accruals to your CPA, the numbers are always in sync.
4. Collaborative Workflows & Audit Trails
Finance isn’t a solo sport—and Puzzle.io reflects that by allowing multiple users with customizable roles. Grant read-only access to advisors, invite your bookkeeper with full reconciliation rights, and loop in executives with view-only dashboards. Every change is timestamped and logged, creating an audit-ready trail that satisfies internal reviews and external auditors alike.
5. Scalable Automation & Custom Reporting
As your transaction volume grows, Puzzle.io scales effortlessly. Advanced tiers unlock AI-powered month-end reviews that highlight anomalies, suggest reclassifications, and even generate variance analysis against budgets or prior periods. Need a custom metric or departmental P&L? The built-in report builder lets you slice your data by team, project, or cost center—and schedule those reports to hit your inbox weekly.
6. Developer-Friendly API & Embeddable Widgets
For companies that build anchored dashboards or internal apps, Puzzle.io offers a robust public API. Fetch real-time balances, embed mini P&L widgets in your ops portal, or trigger webhooks on large transactions. This flexibility ensures that accounting data powers not just your finance team, but your entire organization.
