⚡ 簡単な評価:
- 価格: Hubdoc is a single Monthly Subscription at $12/month. Puzzle IO starts free, then $42.50/month.
- 最適な用途: Hubdoc for capturing receipts and financial documents. Puzzle IO for startup founders who want a full general ledger.
- 主な違い： Hubdoc feeds documents into other tools. Puzzle IO is the 会計 software itself.
- 私たちのおすすめ： Hubdoc, rated 4.2 in our データ, wins on price and on how well it plugs into Xero and QuickBooks Online.
These two tools sit at opposite ends of the same workflow.
Hubdoc collects your receipts, bills, and bank statements.
Puzzle IO takes raw transactions and closes your books.
だから本当の 質問 is not which tool is better.
It is which part of your 簿記 hurts most right now.
概要
This Puzzle IO vs Hubdoc comparison covers pricing, key features, and ease of use.
私たちは両ツールのドキュメント、価格ページ、ユーザーレビューを確認しました。
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。
Puzzle IOとは何ですか?
Puzzle IO is accounting software built for startups and 中小企業.
It runs a real general ledger, not just a document 受信トレイ.
The platform pulls financial data from Stripe, Brex, Ramp, and Gusto.
AI powered rules then handle transaction categorization with up to 95% accuracy.
That removes most tedious tasks from your week.
The aim is simpler financial management, so you can run your 仕事.
Many founders who chose Puzzle did so after outgrowing spreadsheets.
Here is a closer look at how the platform works day to day.
パズルIO
Accounting built for early stage teams. Automates the general ledger and shows burn rate in real time.
Puzzle IO の価格設定
Four plans, priced by how much automation and 報告 必要なもの。
| プラン | 価格 | 最適な用途 |
|---|---|---|
| 会計の基礎 | 月額0ドル | Pre-revenue founders testing the platform |
| 会計プラスインサイト | 月額42.50ドル | Teams that want financial insights and dashboards |
| 高度な自動化 | 月額85ドル | Revenue recognition, prepaid expenses, fixed assets |
| 会計プラススケール | 月額255ドル | Funded startups reporting to investors |
価格は2026年7月に確定しました。
無料トライアル: The Accounting basics plan is free, so no trial is needed to test it.
返金保証: None published. Paid plans are billed per billing period and can be cancelled.
📌 注記： The free tier is aimed at companies under roughly $5k in monthly expenses. Growing past that pushes you to a paid plan.
⚠️ 警告： Our CSV pricing and Puzzle IO’s public site can drift between updates. Check the current state of pricing before you buy.
Puzzle IOの主な利点
Here is what makes this platform worth a look:
- Automated bookkeeping: The platform automates 85-95% of repetitive bookkeeping work. You save time and spend less time on data entry.
- リアルタイムの洞察： Cash flow, burn rate, and cash runway update daily. You get an accurate picture without waiting for month-end.
- 発生主義会計の自動化： Revenue recognition, prepaid expenses, and fixed assets are handled in-app. No side spreadsheets.
- 簡単なセットアップ: Self-guided onboarding means you do not need a finance expert on payroll to start.
- Key metrics on one screen: Monthly recurring revenue and spending sit on a single visual dashboard.
- Built for non accountants: The interface is aimed at startup founders, not trained bookkeepers.
私たちのチームが気づいたこと
私たちの 作家 connected two bank accounts and a payroll feed, then watched how the software handled a month of transactions. Here is what stood out:
Puzzle IOの長所と短所
✅ メリット
- Free plan for early stage companies under about $5k monthly spend
- Real time insights into burn rate and cash runway
- Clean, intuitive interface that non accountants can navigate
- Built-in accrual automation replaces manual spreadsheets
❌ デメリット
- Some users worry about over-reliance on AI for categorization
- Reports of frustrating customer support and onboarding experiences
- Paid tiers jump quickly once you leave the free plan
Hubdoc とは何ですか?
Hubdoc is a cloud tool that collects and reads your financial documents.
It fetches bills and bank statements straight from vendors and banks.
Optical Character Recognition reads the vendor name, date, total, and sales tax.
That extracted data then flows into Xero or クイックブックス オンライン。
Xero acquired the platform, so the Xero link is the deepest one.
Think of it as a digital filing cabinet for receipts and records.
This Hubdoc review video walks through the upload and sync flow.
🏆 受賞者：Hubdoc
Automates document collection and data entry. Sends clean records to Xero and QuickBooks Online.
Hubdocの料金
One plan, one price. That is the whole menu.
| プラン | 価格 | 最適な用途 |
|---|---|---|
| 月額サブスクリプション | 月額12ドル | どれでも 中小企業 owner or bookkeeper collecting receipts |
価格は2026年7月に確定しました。
無料トライアル: 30 days, and no credit card is required to start.
返金保証: None published. You cancel before the next billing period instead.
📌 注記： Many Xero users pay nothing extra. Hubdoc is often included free or discounted on standard Xero plans.
⚠️ 警告： Confirm whether your Xero plan already bundles it. Paying $12/month separately would be wasted money.
Hubdocの主なメリット
These are the key features that keep people subscribed:
- Automatic fetching: Pulls bills and statements from vendors and bank accounts on its own. That cuts manual data entry sharply.
- Smart extraction: OCR reads vendor, date, total, and tax from each file. Bank transactions then reconcile faster.
- モバイル撮影: Snap receipts from your phone anywhere with an internet connection. No paper pile at tax time.
- 監査に耐えうるストレージ： Original documents stay stored with encryption and access controls. Security holds up under review.
- Auto-filing: Folders are created and sorted by vendor name automatically. Finding an old file takes seconds.
- 会計担当者アクセス： Your bookkeeper or accountant logs into the same workspace. Everyone sees one set of records.
私たちのチームが気づいたこと
Our writer uploaded a month of supplier invoices and receipts through the mobile app, then checked how cleanly the data landed in Xero. Here is what stood out:
The clip below covers the same hands-on session in more detail.
Hubdocの長所と短所
✅ メリット
- XeroおよびQuickBooks Onlineとの高度な双方向同期
- Often included at no extra cost on standard Xero plans
- OCR removes most manual data entry from receipts and bills
- Original documents stored for audit-proof record-keeping
❌ デメリット
- Automatic bank feeds frequently break and need manual fixes
- Interface feels outdated and clunky to many users
- Struggles with complex multi-line and multi-page invoices
機能比較
We looked at nine areas where these tools actually overlap, plus cost. Some rows favour one side heavily, because the two products were built for different jobs.
| 特徴 | パズルIO | ハブドック |
|---|---|---|
| 開始価格 | 月額0ドル | 月額12ドル |
| 無料プラン | ✅ | ❌（30日間無料トライアル） |
| 総勘定元帳 | ✅ | ❌ |
| ドキュメントキャプチャ | ❌ | ✅ |
| 経費追跡 | ✅ | ✅ |
| 請求書を送信する | ❌ | ❌ |
| 給与計算を実行する | ❌ (syncs Gusto) | ❌ |
| QuickBooks Online Sync | ❌ | ✅ |
| Self Hosted / On Premise | ❌ | ❌ |
| 最適な用途 | Startup founders closing books | Xero users drowning in receipts |
1. 財務分析と報告
パズルIO: This is the strongest area for the product. It reports cash flow, burn rate, and key metrics like monthly recurring revenue on one dashboard. You get a full picture of income and profit without exporting anything.
ハブドック: Reporting is not the job here. It surfaces what documents arrived and what still needs coding. Your actual financial insights come from Xero or QuickBooks Online after the sync.
2. Document Capture & Data Entry
パズルIO: Data arrives through connected feeds, not scans. You connect bank accounts and card providers, and transactions flow in. Paper receipts still need a separate home.
ハブドック: Fetching is the whole point. It logs into vendor portals and banks to grab bills and statements. That kills a large share of manual data entry each month.
⚠️ 警告： OCR is not perfect. Multi-line and multi-page invoices sometimes only get read from the first page, so spot-check them.
3. 自動化とAI
パズルIO: AI handles transaction categorization and flags likely errors, improving as it learns your patterns. Roughly 85-95% of repetitive work gets automated. That is a large slice of tedious tasks gone.
ハブドック: Automation is rule-based rather than predictive. It creates folders, sorts by vendor, and applies your saved coding rules. Simpler, but predictable in a way some bookkeepers prefer.
4. Integrations & Other Tools
パズルIO: Connections lean modern: Stripe, Brex, Ramp, and Gusto. That covers payments, cards, and payroll for most early stage teams. Older business apps are thinner on the list.
ハブドック: The list of third party apps is shorter, but the two that matter are rock solid. Reported satisfaction with the Xero and QuickBooks Online links sits near 89%.
5. 発生主義の自動化
パズルIO: Revenue recognition, prepaid expenses, and fixed assets are handled inside the platform. Accounts receivable schedules stop living in a side workbook. This is the clearest reason to pay for a higher tier.
ハブドック: No accrual engine exists here at all. It stores the source documents that justify an accrual entry. Your accountant still books the entry elsewhere.
6. Real Time Data & Dashboards
パズルIO: You can open a drafted financial position daily instead of waiting weeks for a month-end close. Cash runway and spending stay up to date. When a company quickly adds headcount, business operations shift faster than a monthly report can show.
ハブドック: Real time data here means documents, not dashboards. You see what arrived today and what is unprocessed. Export and backup options let you pull records out whenever you want.
7. 使いやすさとオンボーディング
パズルIO: Self-guided onboarding means a co founder can set the company up without hiring a finance expert. Users praise the clean, intuitive layout. Support quality, though, draws mixed reviews.
ハブドック: Setup is quick, but the design shows its age. Mobile uploads work well for staff on the move. Anyone with an internet connection can snap a receipt and move on.
8. Tax Compliance & Security
パズルIO: Tax compliance is handled by tracking income and expenses accurately through the year. Come tax time, your general ledger is already reconciled. That is one less scramble in April.
ハブドック: Its contribution is evidence. Encrypted cloud storage keeps original bills and bank statements filed and searchable. Security and retention are the reason accountants ask clients to use it.
9. Collaboration & Accountant Access
パズルIO: Your accountant can log in and review the books directly. Built-in accrual automation means fewer files passed back and forth. Larger teams may still want a dedicated close checklist.
ハブドック: Multiple employees and clients can share one workspace. Accountants use it to collect and review documents for many businesses at once. Collaboration is arguably its second-best feature.
10. 価格設定とコスト
Here are both price lists side by side, exactly as published.
| プラン | パズルIO | ハブドック |
|---|---|---|
| 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 | Monthly Subscription — $12/month |
| 中級クラス | 高度な自動化 — 月額85ドル | ❌ |
| 最高級 | 会計機能と規模拡大 — 月額255ドル | ❌ |
パズルIO: The free tier is real and useful for a young company. But the jump to $42.50 arrives fast once expenses grow. At $255 you are paying for a finance department substitute, not a starter plan.
ハブドック: Flat $12/month, and often bundled free with a Xero subscription. There is no free bookkeeping software tier, but the 30-day trial needs no card. Cost is rarely the objection here.
さまざまなシナリオ
| 必要な場合は | 選ぶ | なぜ |
|---|---|---|
| 最低月額料金 | ハブドック | $12 flat, often bundled with Xero |
| A real general ledger | パズルIO | Closes the books, not just filing |
| 領収書と請求書の取り込み | ハブドック | Fetches documents automatically |
| Burn rate and cash runway | パズルIO | 創業者向けリアルタイムインサイト |
| QuickBooks Online workflow | ハブドック | Direct sync, no workarounds |
| 無料スタート | パズルIO | Free plan under ~$5k monthly spend |
💰 あなたの予算
Hubdoc costs less than a quarter of Puzzle IO’s entry paid tier. If you already pay for Xero, check your plan before you spend anything.
🔌 あなたの技術スタック
Running Stripe, Ramp, and Gusto points toward Puzzle IO. Running Xero or QuickBooks Online points toward Hubdoc, which was built to connect to exactly those.
📝 あなたのワークフロー
If your pain is paper receipts and chasing suppliers to pay bills, Hubdoc solves it. If your pain is not knowing your financial health mid-month, Puzzle IO does.
🎓 あなたの経験レベル
Both work for non accountants. Puzzle IO asks a little more of you, since you are reading real financials rather than filing documents.
🆓 無料トライアルとデモ
Hubdoc gives 30 days with no card required. Puzzle IO simply lets you stay on the free plan while you decide.
🛟 サポートオプション
Hubdoc leans on Xero’s help centre and partner network. Puzzle IO’s support has drawn complaints from a few users during onboarding.
切り替えガイド
Already on one of these? Here is what changes if you move.
🔄 Puzzle IOからHubdocに切り替えますか？
✅ 得られるもの：
- Automatic fetching of vendor bills and bank statements
- A much lower monthly cost, or none at all on some Xero plans
- 監査に耐えうる原本財務書類の保管
❌ 失うもの：
- The general ledger and month-end close
- Burn rate, cash runway, and other key metrics
- Accrual handling for prepaid expenses and fixed assets
📋切り替え方法：
- Export your general ledger and trial balance from Puzzle IO
- Set up Xero or QuickBooks Online as your new ledger
- Connect Hubdoc to it and add your vendor logins
🔄 HubdocからPuzzle IOに切り替えますか？
✅ 得られるもの：
- Actual accounting, with clear insights instead of a document pile
- AI transaction categorization and error checks
- Daily visibility into cash, spending, and revenue
❌ 失うもの：
- ベンダーからのドキュメントの自動取得
- Mobile receipt capture and OCR extraction
- The tight Xero and QuickBooks Online sync
📋切り替え方法：
- Export and back up your stored documents from Hubdoc
- Open a Puzzle IO account on the free plan
- Connect your bank accounts, cards, and payroll service
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 business accounting for teams under about 25 employees. We did not test purchase orders, 時間追跡, track mileage workflows, or how either tool handles international bank transfers and multi-currency customers. Enterprise contracts and custom pricing sat outside this review. If you run a product business with inventory, your priorities will differ from what we covered here.
最終評決
| カテゴリ | 勝者 |
|---|---|
| 💰価格 | ハブドック |
| 🚀 コア会計 | パズルIO |
| 📄 ドキュメントキャプチャ | ハブドック |
| 📊 Financial Insights | パズルIO |
| 🔌 連携機能 | ハブドック |
| 👶 使いやすさ | パズルIO |
| 🔐 Records & Security | ハブドック |
| 🏆総合優勝 | ハブドック |
🏆 受賞者：HUBDOC
Hubdocは7部門中4部門で受賞した。
最適な用途: Xero users, bookkeepers with many clients, and any small business owner buried in receipts
Final thoughts: these products are not really rivals. Hubdoc takes the winner’s spot on our 4.2 rating because it does one narrow job cheaply and does it well.
Puzzle IO, at 3.5, is the better product if your problem is accounting itself. It gives startup founders a current, accurate picture of the business without a full-time bookkeeper.
Plenty of teams eventually run both. Hubdoc feeds the documents in, and a ledger turns them into financials you can hand to investors.
Either way the goal is the same. Automate tasks that eat your week, track expenses without a shoebox, and keep your finances clear enough to plan the future.
Puzzle IOの比較をもっと見る
Here is how Puzzle IO measures up against other accounting software:
Puzzle IOが勝利した点： A modern interface non accountants can read, a genuine free tier for early stage teams, and burn rate reporting aimed at startups
QuickBooksが優れている点： Feature depth after years of development, near-universal acceptance among accountants, and payroll plus expense tracking in one place
Puzzle IOが勝利した点： Built-in accrual automation without add-ons, a dashboard tuned to cash runway, and setup that skips the accountant
Xeroが優れている点： A bank feed that imports transactions each business day, a far larger app marketplace, and plans that flex as the business grows
Puzzle IOが勝利した点： Accrual accounting depth, AI error checking, and metrics investors actually ask about
波 勝利したタイトル： A free plan with unlimited invoicing, no expense ceiling on that free tier, and simpler budgeting tools for solo operators
Hubdocの比較をもっと見る
And here is how Hubdoc holds up against its closest rivals:
Hubdocが勝った理由： Far lower cost, inclusion with many Xero subscriptions, and a simpler setup for a single small business
デクストの勝利条件： Better handling of multi-line invoices, a more modern interface, and stronger line-item extraction for inventory-heavy businesses
Hubdocが勝った理由： Flat predictable pricing instead of per-credit billing, automatic vendor fetching, and the deepest Xero link of the two
自動入力 勝利したタイトル： Line-item detail on complex bills, multi-page document handling, and pay-as-you-go pricing for seasonal volume
Hubdocが勝った理由： Vendor bill collection rather than just employee claims, cheaper per-user cost, and document retention for audits
Expensifyが優れている点： Employee expense reports and approvals, corporate card reconciliation, and mileage plus 旅行 ワークフロー
よくある質問
Hubdoc は無料で使えますか?
Not on its own. It costs $12/month standalone, though many Xero plans include it at no extra charge. A 30-day trial runs without a credit card.
HubdocはXeroの傘下ですか？
Yes. Xero acquired the platform, which explains the unusually deep integration between the two and why bundling appears on several Xero subscription tiers.
パズルソフトウェアとは何ですか？
In this context it means Puzzle IO, an accounting platform for startups. It automates bookkeeping, tracks burn rate, and closes the books without a finance expert.
HubdocとDext、どちらが良いですか？
Dext reads complex invoices better and looks more modern. Hubdoc costs far less and ships free with many Xero plans. Budget usually decides this one.
最も使いやすい簿記ソフトは何ですか？
For founders with no accounting background, Puzzle IO is the easier of these two. Its self-guided onboarding and clean dashboard need no training.
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