kitio.aiPuzzle vs Prosaic
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Puzzle starts at $30/mo and Prosaic starts at See pricing page. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI transaction categorisation
- Stripe revenue recognition
- Live burn and runway
- Cash and accrual views
- Accountant collaboration
- Cash-based general ledger
- AI bulk coding
- GST and annual reports
- Open Banking feeds
- Client workspace
- Fixed assets
| Feature | Puzzle | Prosaic |
|---|---|---|
| Best for | AI accounting software for startups with real-time financials | AI-native ledger for accounting firms and bookkeepers |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Free trial |
| Starting price | $30/mo | See pricing page |
| Free plan | Yes | No, trial available |
| Made by | Puzzle | Prosaic |
| Based in | United States | New Zealand |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Puzzle starts at $30/mo and Prosaic starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
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
Puzzle
- Free for early startups
- Strong Stripe integration
- Real-time metrics
- Built for startups, not all SMBs
- Replaces your existing ledger
- Fewer payroll integrations
Prosaic
- Built for high-volume compliance work
- Bulk coding across many clients
- Free trial without a credit card
- Pricing is not shown on the homepage
- Aimed mainly at New Zealand firms
- Designed for simple entities
Which one should you choose?
Choose Puzzle if you want:
- Free for early startups
- Strong Stripe integration
- Real-time metrics
Watch out: built for startups, not all smbs.
Choose Prosaic if you want:
- Built for high-volume compliance work
- Bulk coding across many clients
- Free trial without a credit card
Watch out: pricing is not shown on the homepage.
Puzzle vs Prosaic FAQ
What is the difference between Puzzle and Prosaic?
Puzzle: AI accounting software for startups with real-time financials. Prosaic: AI-native ledger for accounting firms and bookkeepers. Both are legal, finance & hr tools.
Is Puzzle or Prosaic cheaper?
Puzzle starts at $30/mo and Prosaic starts at See pricing page. Check both pricing pages for current plans.
Do Puzzle and Prosaic have free plans?
Puzzle: Yes. Prosaic: No, trial available.
Who makes Puzzle?
Puzzle is made by Puzzle, based in United States.
Who makes Prosaic?
Prosaic is made by Prosaic, based in New Zealand.
Which should I choose, Puzzle or Prosaic?
Choose Puzzle if you value free for early startups and strong stripe integration. Choose Prosaic if you value built for high-volume compliance work and bulk coding across many clients.