⚡ 簡単な評価:
- 価格: Expensify starts at $5/member/month. Puzzle IO starts free, then jumps to $42.50/month.
- 最適な用途: Expensify for expense reports and receipts. Puzzle IO for full startup 会計.
- 主な違い： Expensify manages spending. Puzzle IO runs your general ledger and books.
- 私たちのおすすめ： Expensify, rated 4.1 versus 3.5, for teams that mainly need expense management.
These two tools sit on opposite ends of the same problem.
Puzzle IO wants to be your 会計 ソフトウェア。
Expensify wants to handle every receipt your team collects.
Both cut manual data entry, but they cut different parts of it.
Here is how to pick the right one for your 仕事.
概要
This Puzzle IO vs Expensify comparison covers pricing, core features, and ease of use.
弊社のライター陣は、各プラットフォームを実際に操作して時間をかけて検証しました。
それらのメモは、以下の「チームが気づいたこと」のセクションに記載されています。
また、公開されている資料、価格ページ、G2のレビューからも情報を収集しました。
By the end you will know which one fits your finances.
Puzzle IOとは何ですか?
Puzzle IOは、スタートアップ企業や中小企業向けに開発された会計ソフトウェアです。
It was built by founders for founders, not for trained 会計士.
The platform pulls your financial data into one general ledger.
It connects bank accounts, cards, and payroll to cut manual data entry.
Puzzle IO automates 85-95% of the repetitive bookkeeping work.
You get real time insights into cash flow, burn rate, and key metrics.
ほとんど 早い stage teams pick it to replace messy spreadsheets.
パズルIO
AI powered bookkeeping for startup founders. Free under $5k in monthly expenses. No finance expert needed to start.
Puzzle IO の価格設定
Puzzle IO uses four tiers. Here is what each plan costs.
| プラン | 価格 | 最適な用途 |
|---|---|---|
| 会計の基礎 | 月額0ドル | Pre-revenue companies under $5k monthly spending |
| 会計プラスインサイト | 月額42.50ドル | Founders who want clear insights and dashboards |
| 高度な オートメーション | 月額85ドル | Teams needing revenue recognition and accruals |
| 会計プラススケール | 月額255ドル | Funded startups 報告 to investors |
価格は2026年7月に確定しました。
無料トライアル: The free plan works as an open-ended trial for small companies.
返金保証: No published refund window, so test the free tier first.
📌 注記： The free tier covers companies under $5k in monthly expenses. That covers a lot of pre-seed teams.
⚠️ 警告： The jump from free to $42.50/month is steep. Check your spending before you outgrow the free plan.
Puzzle IOの主な利点
Here is what makes Puzzle IO worth a look:
- Transaction categorization: AI sorts expenses with up to 95% accuracy. Accuracy improves as the system learns your patterns.
- リアルタイムの洞察： Cash runway, burn rate, and MRR update daily. You do not wait weeks for month-end close.
- Built-in accrual automation: Handles revenue recognition, prepaid expenses, and fixed assets. No side spreadsheets required.
- Modern integrations: Connects to Stripe, Brex, Ramp, and Gusto. That kills most manual data entry.
- 簡単なセットアップ: Self-guided onboarding lets you finish without a finance expert on staff.
- Tax time prep: Income and expenses stay tracked accurately through the year for tax compliance.
- One financial picture: A visual dashboard shows the current state of your financial health.
The homepage shows how the dashboard consolidates your financials.
Ready to see your own numbers in that dashboard?
私たちのチームが気づいたこと
私たちの 作家 signed up for Puzzle IO and connected a test account. Here is what stood out during setup and the first close.
Puzzle IOの長所と短所
✅ メリット
- Free plan for companies under $5k in monthly expenses
- Clean, intuitive interface that non accountants can navigate
- Daily financial position instead of waiting for month-end
- Accrual automation covers fixed assets and prepaid expenses
❌ デメリット
- Some users worry about over-reliance on AI for categorization
- A small number of users report frustrating onboarding and support
- Weaker receipt and reimbursement tools than dedicated apps
- Big price jump once you leave the free tier
Expensifyとは何ですか?
Expensifyは、オールインワンの経費管理プラットフォームです。
経費管理プロセスと領収書追跡を自動化します。
Users create, submit, approve, and reimburse expenses in one system.
Snap a photo of a receipt and SmartScan builds the expense in a few seconds.
It works on the mobile app, on desktop, and on the web.
The company also offers a business credit card called the Expensify Card.
It serves both personal use and small and mid-sized business finance teams.
🏆 受賞者：Expensify
Scan receipts, route approval requests, and reimburse employees fast. Syncs with QuickBooks and Xero.
エクスペンシファイの価格
Expensify charges per member. Here are the published plans.
| プラン | 価格 | 最適な用途 |
|---|---|---|
| 集める | 1人あたり月額5ドル | Small teams submitting expense reports |
| コントロール | 月額9ドル/人から | 承認ルールを必要とする大規模組織 |
価格は2026年7月に確定しました。
無料トライアル: Yes. New accounts get a trial period before billing starts.
返金保証: None published. Cancel before your renewal date instead.
📌 注記： Per-member pricing scales with headcount. A ten-person team on Collect costs $50/month.
⚠️ 警告： Many users complain about unclear pricing and hidden charges. Read the plan details before you commit.
Expensifyの主なメリット
Here is what Expensify makes easier day to day:
- SmartScanキャプチャ： Photograph a receipt and the app builds the report. Receipts are stored digitally for audits.
- 自動承認： Reports route straight to a manager or supervisor. That cuts chase-up emails.
- Card reconciliation: Expensify matches and codes receipt transactions against bank statements automatically.
- Global reimbursement: Pay employees or independent contractors in their local currency.
- 走行距離と 旅行: Log mileage and upload travel costs from your phone.
- Rules and categories: Set category limits and expense rules that trigger review before payments go out.
- 会計データのエクスポート: Export expense data into QuickBooks or Xero and save hours on reconciliation.
The product page shows the same flow from receipt to reimbursement.
Start with one week of receipts and judge it from there.
私たちのチームが気づいたこと
Our writer ran real receipts through Expensify for a week of travel. This short clip covers that hands-on time.
The written notes from that same session follow below.
Expensifyのメリットとデメリット
✅ メリット
- Mobile receipt scanning that works in a few seconds
- Automated workflows route expense reports directly to supervisors
- Reimburses employees and contractors in local currency
- Connects to QuickBooks and Xero for one-click export
❌ デメリット
- SmartScanはレシートを誤読することがあり、手動での修正が必要になる場合があります。
- Admin dashboard is harder to configure than the front end suggests
- Support leans on automated chat, which frustrates some customers
- Pricing structure and pro-feature charges confuse many users
機能比較
These two products overlap less than the category names suggest. We compared ten areas that matter when you pick one.
| 特徴 | パズルIO | エクスペンシファイ |
|---|---|---|
| 開始価格 | 月額0ドル | 1人あたり月額5ドル |
| 無料プラン | ✅ | ❌ |
| 総勘定元帳 | ✅ | ❌ |
| レシートスキャン | ❌ | ✅ |
| Corporate Card | ❌ | ✅ |
| 収益認識 | ✅ | ❌ |
| 従業員への払い戻し | ❌ | ✅ |
| QuickBooks Sync | ❌ | ✅ |
| Burn Rate Dashboard | ✅ | ❌ |
| 最適な用途 | スタートアップ会計 | 経費管理 |
1. Core Function and Daily Workflow
パズルIO: This is full financial management, not a single feature. It closes your books, tracks every transaction, and produces statements. Your focus stays on the numbers behind the business.
経費精算: This one helps you manage expenses after they happen. Employees capture receipts, the report goes out, and finance approves it. The books still live somewhere else.
2. Reporting and Financial Insights
パズルIO: Financial insights update as transactions land. You see a drafted financial position daily. That keeps runway and burn figures up to date instead of a month behind.
経費精算: Reporting here means expense reports, not statements. You get an accurate picture of team spending by category and project. Deeper reporting is expected to come from your accounting tool.
3. Automation and Data Entry
パズルIO: AI handles the tedious tasks of coding transactions, with checks that catch errors over time. Founders save time on categorization work they never wanted.
経費精算: SmartScan reads the receipt so staff spend less time typing. The ability to forward receipts by email helps too. SmartScan can misread totals, so spot-check before approval.
⚠️ 警告： Both tools lean on AI. Review flagged items weekly so small mistakes do not compound at close.
4. Revenue Recognition and Accruals
パズルIO: Accrual automation covers deferred revenue, prepaid expenses, and fixed assets. That matters when investors ask for GAAP statements before your next round. Money moves and the schedule updates itself.
経費精算: No accrual engine here. It does handle bill pay and invoicing, so you can file vendor bills and send invoices. Future close work still happens in your ledger.
5. Cards, Payments, and Spend Control
パズルIO: There is no card product. Instead it reads card and bank activity from partners and posts it to the ledger automatically.
経費精算: The Expensify Card adds real 安全 controls. Out-of-policy payments can be blocked immediately, and a lost card is frozen from the app. Limits are flexible per employee.
6. Integrations With Other Tools
パズルIO: The partner list favours modern startup stacks. A direct connection to Stripe, Brex, Ramp, and Gusto removes most re-keying.
経費精算: It plugs into QuickBooks, Xero, and other tools finance teams already run. You get access to a coded export that drops straight into the general ledger system.
7. Tax Compliance and Global Reimbursement
パズルIO: Clean books through the year make tax compliance far less painful. Accurate income and expense tracking means your accountant is not rebuilding history in April.
経費精算: Global reimbursements pay staff and contractors in local currency, with tax support for international work. Employers can settle reimbursement requests without completing wire forms by hand.
8. Onboarding and Ease of Use
パズルIO: Self-guided onboarding is the draw. A co founder can set the company up without hiring help. Teams that chose Puzzle IO often mention getting a company quickly onto real books.
経費精算: The user-facing app is simple and fits in your pocket. Chat, tags, and projects keep an organization tidy. Admin configuration is the harder part for a new team.
9. Support and Extra Services
パズルIO: Paid tiers add a bookkeeping service with human review. A small number of users report slow help during onboarding, which is worth knowing before you commit.
経費精算: Trip and travel booking sits inside the same app. Expensify reviews often note that automated chat is slow to respond, and phone help is limited when you need to resolve billing issues.
10. 価格設定とコスト
Price only makes sense once you know how each tool bills. One charges per company, the other per person.
| ティア | パズルIO | エクスペンシファイ |
|---|---|---|
| 無料 | Accounting basics: $0/month | ❌ |
| 入場料支払い済み | 会計＋インサイト：月額42.50ドル | 料金：会員1人あたり月額5ドル |
| 中級クラス | 高度な自動化：月額85ドル | コントロール：月額9ドル/会員から |
| 最高級 | 会計機能と規模調整機能：月額255ドル | ❌ |
パズルIO: Flat company pricing means headcount does not change your bill. The free tier is real value for pre-revenue teams under $5k in monthly expenses.
経費精算: Per-member pricing is cheap for five people and costly for fifty. Several users flag confusing charges, so confirm what your plan includes.
さまざまなシナリオ
| 必要な場合は | 選ぶ | なぜ |
|---|---|---|
| Zero budget | パズルIO | Free under $5k monthly spend |
| レシートのキャプチャ | エクスペンシファイ | SmartScan and mobile app |
| GAAP statements | パズルIO | Accrual and revenue recognition |
| Paying contractors abroad | エクスペンシファイ | Local currency reimbursement |
| Corporate cards | エクスペンシファイ | Expensify Card with spend limits |
| 初心者向けの書籍 | パズルIO | Self-guided setup, no finance expert |
💰 あなたの予算
Puzzle IO costs nothing until you cross $5k in monthly expenses. Expensify starts at $5 per member, so a ten-person team pays $50.
🔌 あなたの技術スタック
Running Stripe, Brex, Ramp, and Gusto points to Puzzle IO. Already on QuickBooks or Xero? Expensify slots in without changing your ledger.
🧾 Your Actual Problem
Drowning in staff receipts is an Expensify problem. Not knowing your burn rate is a Puzzle IO problem. Some companies genuinely need both.
🎓 あなたの経験レベル
Puzzle IO is aimed at non accountants who want the books handled. Expensify assumes someone already owns your accounting and just wants to simplify expense claims.
🆓 無料トライアルとデモ
Start on the Puzzle IO free plan and connect one bank account. Expensify offers a trial, so run one week of real receipts through it.
🛟 サポートオプション
Neither wins here. Expensify leans on automated chat, and some Puzzle IO users describe slow onboarding help.
切り替えガイド
Already using one of these? Here is what changes if you move.
🔄 Switching from Puzzle IO to Expensify?
✅ 得られるもの：
- SmartScan receipt capture from any phone
- A corporate card with per-employee spend limits
- Reimbursement for staff and contractors in local currency
❌ 失うもの：
- Your general ledger and monthly close
- Accrual automation for prepaid expenses and fixed assets
- Live cash runway and burn rate dashboards
📋切り替え方法：
- Export your Puzzle IO ledger and pick a replacement accounting tool
- Create the Expensify workspace and invite your team
- Connect Expensify to that accounting tool before the next close
🔄 Switching from Expensify to Puzzle IO?
✅ 得られるもの：
- A real general ledger with automated close
- Revenue recognition and accrual schedules built in
- Flat pricing that ignores headcount, plus a free starting tier
❌ 失うもの：
- Mobile receipt scanning and stored digital receipts
- Expensifyカードとその支出管理機能
- Approval routing for employee expense reports
📋切り替え方法：
- Download your Expensify report history and receipt files
- Open a Puzzle IO account and link banks, cards, and payroll
- Reconcile one closed month in both tools before you cancel
私たちのレビューで取り上げられなかったこと
We focused on startups and small teams. We did not test enterprise rollouts, custom API work, or how either tool handles agencies billing dozens of clients. Multi-entity consolidation was also out of scope. Our notes reflect the July 2026 versions, and both products change often.
最終評決
| カテゴリ | 勝者 |
|---|---|
| 💰価格 | パズルIO |
| 🚀 主な機能 | （異なる職種） |
| 🧾 Receipts & Expense Reports | エクスペンシファイ |
| 📊 会計の詳細 | パズルIO |
| 👶 使いやすさ | エクスペンシファイ |
| 🔌 連携機能 | エクスペンシファイ |
| 🛟 サポート | パズルIO |
| 🏆総合優勝 | エクスペンシファイ |
🏆 受賞者：EXPENSIFY
Expensify wins 3 of 7 categories and holds the higher rating at 4.1 versus 3.5.
最適な用途: Receipt-heavy teams, travel spending, reimbursing employees and contractors
Final thoughts: these products are not really rivals. Expensify controls what your team spends, and Puzzle IO records what your company earns and owes.
Expensify takes the overall win because more businesses have an expense problem than a bookkeeping problem, and it solves that one cleanly.
Puzzle IO is the better buy for an early stage founder with no accountant and no ledger. Its free tier alone can carry a pre-seed company for a year.
If you can only run one, pick the one that matches your worst weekly headache.
Puzzle IOの比較をもっと見る
Here is how Puzzle IO holds up against other accounting software:
Puzzle IOが勝利した点： cleaner interface for non accountants, a genuinely free starting tier, daily drafted financials instead of delayed reporting
QuickBooksが優れている点： feature depth built over decades, near-universal acceptance among accountants, a far larger app marketplace
Puzzle IOが勝利した点： startup-native metrics like burn and runway, built-in accrual schedules, onboarding without a bookkeeper
Xeroが優れている点： multi-currency handling, a mature partner network of advisors, stronger invoicing and payroll add-ons
Puzzle IOが勝利した点： accrual accounting rather than cash-basis only, automated transaction categorization, investor-ready statements
Waveが勝利した条件： free invoicing for フリーランサー, simpler learning curve, no spend threshold on its free plan
Expensifyのその他の比較
Here is how Expensify measures up against other expense tools:
Expensifyが優れている点： its own corporate card, global reimbursement in local currency, in-app travel booking
デクストの勝利条件： document extraction accuracy, supplier statement matching, tighter fit for accounting practices serving many clients
Expensifyが優れている点： mobile-first receipt capture, approval routing to supervisors, per-employee card limits
QuickBooksが優れている点： full double-entry books, tax filing support, financial statements Expensify never produces
Expensify vs Zoho Expense
Expensifyが優れている点： faster scan-to-report flow, wider bank feed coverage, stronger contractor payment options
Zoho Expense wins on: clearer published pricing, cheaper entry tier, deep ties to the wider Zoho suite
よくある質問
Expensifyは役に立つのか？
Yes, for receipt-heavy teams. Scanning, approval routing, and reimbursement all work well. The common complaints are confusing pricing and slow support, not the core product.
Expensifyの月額料金はいくらですか？
The Collect plan is $5 per member each month. Control starts at $9 per member each month. Costs rise with headcount, so a ten-person team pays from $50.
Expensify は中小企業に適していますか?
It suits small and mid-sized businesses that reimburse staff regularly. Below five members the per-seat cost stays low. Solo founders may not need it at all.
QuickBooksとExpensifyの違いは何ですか？
QuickBooks keeps your books and produces financial statements. Expensify collects receipts and processes expense claims, then exports the results into QuickBooks. Most teams run both.
パズルソフトウェアとは何ですか？
In this comparison, Puzzle IO is accounting software for startups. It automates bookkeeping, closes the books, and shows cash runway. It is unrelated to puzzle ゲーム.
English 
Spanish 
Chinese 
German 
French 
Arabic 
Russian 
Portuguese 
Japanese 
Korean 
Italian 
Turkish 
Dutch 
Polish 
Indonesian 
Thai 
Vietnamese 