Digits vs Puzzle: Complete Comparison (2026)
An in-depth comparison of Digits and Puzzle to help you choose the right tool for your business.
Last updated: November 2026
Digits
6.2/10
Digits is an AI-driven general ledger that books, reconciles and reports for US small businesses, startups and the accounting firms that serve them.
Puzzle
6.3/10
AI-native accounting software and optional bookkeeping services that automate categorization, reconciliation and month-end close for startups and small businesses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.3/10 |
| Analytics | 8/10 | 7/10 |
| Cost | 6/10 | 7/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 5/10 | 7/10 |
| Scalability | 5/10 | 5/10 |
| Security | 7/10 | 5/10 |
| Support | 6/10 | 5/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | $65/mo Essentials | $30/mo Starter |
| Estimated cost for 10 users | $65/mo Essentials | $120/mo Complete |
| Features | ||
| Invoicing | ||
| Accountant Access | ||
| Budgeting and Forecasting | ||
| Financial Reporting | ||
| Inventory Accounting | Not listed | |
| Online Payments | Not listed | |
| Accounts Payable | Not listed | |
| Multi-entity Consolidation | ||
| Payroll | ||
| General Ledger | ||
| Bank Reconciliation | ||
| Tax Compliance | Not listed | |
Digits vs Puzzle cost by team size
Puzzle costs less at 1 user; Digits costs less from 5 users.
| Team size | Digits | Puzzle |
|---|---|---|
| 1 user | $65/moEssentials | $30/moStarter |
| 5 users | $65/moEssentials | $72/moCore |
| 10 users | $65/moEssentials | $120/moComplete |
| 25 users | $65/moEssentials | $120/moComplete |
| 50 users | $65/moEssentials | $120/moComplete |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Digits
- Lower estimated cost for 10 users: $65/mo vs $120/mo
- Higher Security score (7/10 vs 5/10)
- Higher Analytics score (8/10 vs 7/10)
- Better fit for accountants and bookkeepers (8/10 vs 6/10)
Why choose Puzzle
- Higher Integration score (7/10 vs 5/10)
- Higher Cost score (7/10 vs 6/10)
- Includes Payroll, which Digits lacks
Pros & Cons
Digits
Pros
- The AI ledger books most transactions automatically and sends only uncertain entries to a review inbox.
- Reviewers praise the live dashboards and the ability to drill from a trend down to the transaction behind it.
- Flat per-business pricing with no seat fees, starting at $65 a month.
- Bill pay, invoicing and multi-entity are included in every plan.
- An API and MCP server let developers connect AI tools such as Claude and ChatGPT.
Cons
- No inventory accounting, so it does not suit product-heavy businesses.
- No native payroll; it relies on connections to providers such as Gusto.
- Bank connections through Plaid can break and need re-authentication.
- Complex accruals still need manual work, and some accountants distrust automated decisions they cannot see into.
- Budget vs actuals and custom reports are tied to a Pro plan that is not yet available.
Puzzle
Pros
- Most transactions are categorized automatically: the vendor claims 85 to 90 percent on every plan.
- Reviewers praise the clean interface for non-accountant founders.
- Direct integrations with Stripe, Mercury, Brex, Ramp, Gusto and Rippling suit startup tool stacks.
- Entry pricing is low and flat, at $30 a month, and annual billing gives two months free.
- Optional bookkeeping, CFO and tax services are available from the same vendor.
Cons
- Users report AI miscategorizations that are hard to fix manually.
- Some reviewers say it feels immature, with missing basics and occasional lag.
- Reviewers report support lapses, such as a missed onboarding call.
- Revenue recognition and classes only come with Complete at $120 a month.
- Multi-currency support is not documented.
Not sold on either?
Frequently Asked Questions
Puzzle scores higher on our AI Software criteria: 6.3/10 against 6.2/10 for Digits. The largest gap is in Integration: 5/10 for Digits and 7/10 for Puzzle.
Digits costs less for 10 users: about $65/mo on its Essentials plan, against about $120/mo on its Complete plan for Puzzle, billed monthly.
No, neither Digits nor Puzzle lists a free plan.
Digits is the better fit for accountants and bookkeepers: we rate it 8/10 for them, against 6/10 for Puzzle.
Puzzle has Payroll, which Digits lacks.
