Puzzle vs Rillet (2026): which should you pick?
As of Nov 12, 2026, Puzzle and Rillet share a 2.0 GPA, neither has a free plan and their prices can't be set side by side, so the choice depends on whether you care more about the free plan, where Puzzle grades higher, or features, where Rillet does.
Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
They get the same grade on value for money, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Puzzle
AI-driven accounting software for startups and small businesses
Which one is for you
Pick Puzzle if
- Fits if you're a startup that wants AI to categorize transactions
- Works for founders who link Stripe, Mercury or Ramp
Look elsewhere if
- Tight if you lean on the AI: 25 lifetime credits on Starter and Core, 100 a month on Complete
- Skip it if you're a team: Starter has 1 seat and Core 5, with unlimited from Complete at $100
- Pricey if you want bookkeeping done for you: from $171 a month with Core, and it needs a subscription
- Watch out: a QuickBooks migration costs $149 one-time unless you add catch-up bookkeeping or Full Service
Pick Rillet if
- Fits if you're a mid-size finance team that wants a ledger with revenue recognition
- Makes sense if you run several entities and use Salesforce or Stripe
Look elsewhere if
- Skip it if you want a price before talking to sales
- Not for you if you're a freelancer or sole trader, as it's aimed at mid-size and enterprise teams
- Watch out: customer counts and the share of transactions posted automatically are the vendor's own claims, unchecked
- Watch out: no free plan or trial is listed
How we grade them
| 2.0GPAPuzzleFair | 2.0GPARilletFair | |
|---|---|---|
| Value for money | C$25 a month on annual billing ($30 monthly) for Starter and $60 for Core, close to this category's $26 middle. | CNo prices are published: the pricing page is a Talk to Sales form. Unpublished means the middle grade. |
| Free plan and trial | DA free trial is offered, but the pricing page doesn't say how long it lasts. No free plan. | FNo free plan or trial on record; access starts with a demo request. |
| Features | CAI categorization and close, cash and accrual books, startup metrics, an API and MCP. Multi-entity and variance analysis need Core, and AI credits are limited. | BGeneral ledger with continuous close, receivables, payables, reconciliation, revenue recognition and multi-entity, plus an AI assistant. The listing shows no gap, though its claims are the vendor's own. |
| Ease of use | CNo store rating on record. You connect banks and payment tools and review what the AI books. | CNo store rating on record. It's an ERP that starts with a demo and onboarding, not a self-serve signup. |
| Platforms and integrations | BWeb only, with Stripe, Mercury, Ramp, Brex, Gusto, QuickBooks, Claude and ChatGPT, plus an API and MCP. | BWeb, with Salesforce, Stripe, Rippling, Ramp and Brex. No app or desktop client is listed. |
| Best for | AI-run books for startups | an AI ledger for mid-size finance teams |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Puzzle and Rillet. How we grade
Where they differ
- Puzzle also covers invoicing and expense tracking.
- Rillet also covers workflow automation.
At a glance
| Puzzle | Rillet | |
|---|---|---|
| Pricing | Free trial | Paid |
| Starts at | $25 per month, billed annually ($30 billed monthly) | Not published |
| Free plan | None | None |
| Free trial | Free trial offered; length not stated on the pricing page | None listed |
| Web | ||
| Made by | Puzzle | Rillet |
| Price read from | puzzle.io | Not confirmed |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Puzzle
- Starter allows one seat and Core five; unlimited seats start at Complete.
- AI credits are limited: 25 for the lifetime of Starter and Core, 100 a month on Complete.
- Bookkeeping services start at $171 a month with Core, for up to $10K in monthly expenses, and need an active subscription.
- A QuickBooks migration costs $149 one-time unless catch-up bookkeeping or Full Service is added.
Rillet
- No prices are published; the pricing page sends visitors to a Talk to Sales form, so costs are unknown until you request a demo.
- It is aimed at mid-size and enterprise finance teams, not freelancers or sole traders.
- Claims such as customer counts and the share of transactions posted automatically are the vendor's own and were not checked.
Key features
Puzzle
- AI categorization and close
- Categorizes most transactions automatically, reconciles accounts and drafts financial statements; an AI suite adds chat, cowork and close tools.
- Cash and accrual books
- Keeps both bases, with accrual automation for prepaid expenses and fixed assets and revenue recognition on Complete.
- Startup metrics
- Cash, burn, runway and margin insights plus spend and revenue tracking, from the Core plan.
- Integrations
- Connects to Stripe, Mercury, Ramp, Brex, Gusto and other finance tools through live API links.
- Accounting services
- Expert Reviewed and Full Service bookkeeping, priced by monthly expenses and sold only alongside a subscription.
- API and MCP
- An API and MCP server let you connect the books to Claude and ChatGPT.
Rillet
- General ledger with continuous close
- A live general ledger where checklists, reconciliations and flux drafts run continuously instead of only at month end, according to Rillet.
- Receivables, payables and bank reconciliation
- Modules for accounts receivable, accounts payable and bank reconciliation sit on the same ledger.
- Revenue recognition and multi-entity
- Advanced revenue recognition, multi-entity accounting and flexible GAAP reporting are listed as product areas.
- Aura AI assistant
- Lets users ask questions of the ledger in plain language, flag trends and anomalies, and automate data ingestion with traceable sources.
- Native integrations
- Connects to tools such as Salesforce, Stripe, Rippling, Ramp and Brex; Rillet says it supports more than 12,000 integrations.
Plans
Puzzle
Starter$25
per month, billed annually ($30 billed monthly)
1 seat; 85 to 90% of transactions categorized automatically, cash and accrual books, 25 lifetime AI credits.
Core$60
per month, billed annually ($72 billed monthly)
5 seats; adds cash, burn and runway insights, variance analysis, custom chart of accounts and multi-entity.
Complete$100
per month, billed annually ($120 billed monthly)
Unlimited seats; adds AI accuracy review and reconciliations, revenue recognition, priority support; 100 AI credits a month.
Scale$300
per month, billed annually ($360 billed monthly)
High-volume accounting with subledgers, no transaction or integration limits, backup and restore; 300 AI credits a month.
Rillet
Pricing could not be confirmed. See rillet.com.
Ways to pay less
Puzzle
- Annual discount
12 months for the price of 10
The pricing page's yearly option charges for 10 months of the monthly price, which is $25 against $30 on Starter.
Rillet
No public discounts listed.
Common questions
Which is cheaper, Puzzle or Rillet?
As of Nov 12, 2026, Puzzle starts at $25 per month, billed annually ($30 billed monthly), and Rillet has no price we could confirm.
Which has a free plan, Puzzle or Rillet?
As of Nov 12, 2026, neither Puzzle nor Rillet has a free plan. Puzzle has a free trial.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.