kitio.aiDigits vs Puzzle
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Puzzle has the lower starting price: about $30 a month, against $65 for Digits.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI general ledger
- Automatic transaction coding
- Bank reconciliation
- Real-time financial dashboards
- Multi-client firm view
- AI transaction categorisation
- Stripe revenue recognition
- Live burn and runway
- Cash and accrual views
- Accountant collaboration
| Feature | Digits | Puzzle |
|---|---|---|
| Best for | AI-native accounting platform with autonomous bookkeeping | AI accounting software for startups with real-time financials |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Freemium |
| Starting price | $65/mo | $30/mo |
| Free plan | No | Yes |
| Made by | Digits | Puzzle |
| Based in | United States | United States |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Puzzle has the lower starting price: about $30 a month, against $65 for Digits.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Essentials
$65/mo
- Solopreneurs and early-stage
- 24/7 AI bookkeeping
- Bill pay and invoicing
- API and MCP access
Core
$100/mo
- Small and growing businesses
- Everything in Essentials
Pro
$250/mo
- Scaling finance teams
- Custom dashboards
- Coming soon
4 plans
Starter
$30/mo
- AI suite: chat, cowork, close
- CPA-approved chart of accounts
Core
$72/mo
- QuickBooks replacement
- Full accounting software
Complete
$120/mo
- Stripe, Ramp, Mercury, Brex integrations
- Most popular plan
Scale
$360/mo
- High-volume accounting
Prices in USD, checked Oct 28, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Digits
- Books close with little manual work
- Clear real-time reporting
- Built for accountants too
- Requires switching ledgers
- Fewer third-party apps than QuickBooks
- US-centric
Puzzle
- Free for early startups
- Strong Stripe integration
- Real-time metrics
- Built for startups, not all SMBs
- Replaces your existing ledger
- Fewer payroll integrations
Which one should you choose?
Choose Digits if you want:
- Books close with little manual work
- Clear real-time reporting
- Built for accountants too
Watch out: requires switching ledgers.
Choose Puzzle if you want:
- Free for early startups
- Strong Stripe integration
- Real-time metrics
Watch out: built for startups, not all smbs.
Digits vs Puzzle FAQ
What is the difference between Digits and Puzzle?
Digits: AI-native accounting platform with autonomous bookkeeping. Puzzle: AI accounting software for startups with real-time financials. Both are legal, finance & hr tools.
Is Digits or Puzzle cheaper?
Puzzle has the lower starting price: about $30 a month, against $65 for Digits.
Do Digits and Puzzle have free plans?
Digits: No. Puzzle: Yes.
Who makes Digits?
Digits is made by Digits, based in United States.
Who makes Puzzle?
Puzzle is made by Puzzle, based in United States.
Which should I choose, Digits or Puzzle?
Choose Digits if you value books close with little manual work and clear real-time reporting. Choose Puzzle if you value free for early startups and strong stripe integration.