Puzzle vs Tiime: Complete Comparison (2026)
An in-depth comparison of Puzzle and Tiime to help you choose the right tool for your business.
Last updated: November 2026
Puzzle
6.1/10
AI-native accounting software and optional bookkeeping services that automate categorization, reconciliation and month-end close for startups and small businesses.
Tiime
6.4/10
French invoicing, pre-accounting and business banking app for freelancers and small companies, with a shared workspace for their chartered accountant.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.4/10 |
| Analytics | 7/10 | 5/10 |
| Compliance | 5/10 | 7/10 |
| Cost | 7/10 | 8/10 |
| Customization | 5/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 7/10 | 5/10 |
| Scalability | 5/10 | 4/10 |
| Security | 5/10 | 6/10 |
| Support | 5/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | $30/mo Starter | €10/mo Initial (0-1 employee) |
| Estimated cost for 10 users | $120/mo Complete | Free Free |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Budgeting and Forecasting | ||
| Invoicing | ||
| Tax Compliance | ||
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Puzzle vs Tiime cost by team size
| Team size | Puzzle | Tiime |
|---|---|---|
| 1 user | $30/moStarter | FreeFree |
| 5 users | $72/moCore | FreeFree |
| 10 users | $120/moComplete | FreeFree |
| 25 users | $120/moComplete | FreeFree |
| 50 users | $120/moComplete | FreeFree |
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 Puzzle
- Higher Analytics score (7/10 vs 5/10)
- Higher Integration score (7/10 vs 5/10)
Why choose Tiime
- Has a free plan (Puzzle does not)
- Higher Compliance score (7/10 vs 5/10)
- Higher Support score (7/10 vs 5/10)
Pros & Cons
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.
Tiime
Pros
- Invoicing is free on every tier, with no limit on the number of quotes and invoices, plus e-invoicing through Tiime's registered platform.
- The business's accountant can see its data for free, and around 2,000 accounting firms are reported as partners.
- Bank sync categorises transactions automatically, and receipts can be captured by phone, which cuts pre-accounting work.
- Paid plans come with a 60-day trial, and the entry plan costs 9.99 euros a month.
- Users rate it highly, with about 4.8 out of 5 on Google and Trustpilot.
Cons
- Tiime only does pre-accounting. The full ledger and the tax return package are left to an accountant using Tiime's separate production tool.
- The business account cannot send transfers outside the euro zone and offers no overdraft.
- Reviewers say modules cannot be bought on their own, and the free plan is fairly limited for running a business.
- Users have reported occasional bugs, including after one update on Mac.
- It is aimed at the French market and at companies with up to 20 employees. Larger firms must request a quote.
Not sold on either?
Frequently Asked Questions
Tiime scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Puzzle. The largest gap is in Analytics: 7/10 for Puzzle and 5/10 for Tiime.
Tiime has a free plan; Puzzle does not list one.
