⚡ 간단 평가:
- 가격: Puzzle IO starts free, then $42.50/month. Easy Month End starts at $45/mo.
- 다음과 같은 경우에 가장 적합합니다: Puzzle IO for startup founders who need a general ledger. Easy Month End for a finance team running a month end close.
- 주요 차이점: Puzzle IO records your transactions. Easy Month End tracks who reviewed and signed off on them.
- 저희가 선택한 제품: Easy Month End, on its higher 3.8 rating and audit evidence trail. Puzzle IO wins if you still need 회계 소프트웨어.
These two tools get compared a lot. They should not be.
퍼즐 IO는 회계 소프트웨어. It holds your general ledger.
Easy Month End is workflow management for the close.
One records the numbers. The other proves someone checked them.
Picking wrong costs you a migration. Let’s sort out which job you need done in this Puzzle IO vs Easy Month End article.
개요
저희는 두 도구 모두에 대한 문서, 가격 페이지 및 사용자 리뷰를 검토했습니다.
저희 필진들은 각 플랫폼을 직접 사용해 보는 시간도 가졌습니다.
해당 내용은 아래 '우리 팀이 발견한 사항' 섹션에 있습니다.
By the end you will know which tool fits your finances.
퍼즐 IO란 무엇인가요?
Puzzle IO is AI powered accounting software built for startups and 소규모 사업체.
It connects to your bank accounts, cards, and other tools.
Then it sorts your transactions automatically and builds the general ledger.
Sasha Orloff and John Cwikla started the company in 2019.
They built it for non 회계사 who never wanted to touch a ledger.
플랫폼을 좀 더 자세히 살펴보겠습니다.
퍼즐 IO
AI native financial management for 일찍 stage companies. It automates most bookkeeping and shows your cash runway in real time.
퍼즐 IO 가격 책정
Four plans, and the entry tier costs nothing.
| 계획 | 가격 | 가장 적합한 대상 |
|---|---|---|
| 회계 기초 | 월 0달러 | Pre-revenue startups under $5k monthly spending |
| 회계 및 인사이트 | 월 42.50달러 | Founders who want key metrics and 보고 |
| 고급의 오토메이션 | 월 85달러 | Accrual work, prepaid expenses, fixed assets |
| 회계 플러스 스케일 | 월 255달러 | Funded companies with an accountant on staff |
Pricing verified September 2026.
무료 체험: The free plan is open ended, not a timed trial. No card needed to start.
환불 보장: None published. You can cancel a paid plan and drop back to the free tier.
📌 메모: The free tier is aimed at companies spending under $5k a month. Grow past that and you move up a plan, so budget for the jump.
⚠️ 경고: Revenue recognition and fixed assets sit on the $85 Advanced Automation plan. If accrual work is why you are here, price that tier, not the $42.50 one.
퍼즐 IO의 주요 이점
Here is what makes Puzzle IO worth a look:
- Automated bookkeeping: Puzzle automates 85-95% of repetitive bookkeeping. You save time on tedious tasks and spend less time chasing your financials.
- Transaction categorization: AI sorts expenses with up to 95% accuracy and checks itself for errors. Accuracy improves as it learns your spending.
- 실시간 인사이트: Cash flow, burn rate, and MRR update as 데이터 lands. You get an accurate picture of financial health without a month end wait.
- Built-in accrual automation: Revenue recognition, prepaid expenses, and fixed assets run without side spreadsheets.
- 간편한 설치: Self guided onboarding means you can set up the account without a finance expert.
- Connects to other tools: Stripe, Brex, Ramp, and Gusto feed in, which cuts manual data entry.
- Ready for tax time: Income and expenses stay tracked and up to date, so tax compliance work starts from clean books.
우리 팀이 발견한 점
⚠️ September 2026 update: Accrual agreed to acquire Puzzle’s accounting firm 사업, including the ledger and close products. Puzzle will keep running independently for startups and small businesses using the software directly. Worth watching if you are signing a long plan.
퍼즐 IO의 장점과 단점
✅ 장점
- Free plan for companies under $5k in monthly expenses
- Automates 85-95% of repetitive bookkeeping tasks
- Real time cash runway and burn rate instead of delayed reporting
- Clean, intuitive interface that non accountants can follow
- Self guided onboarding needs no finance expert
❌ 단점
- AI transaction categorization still needs a human review
- 일부 사용자는 지원 및 온보딩 과정에서 불만을 겪었다고 보고합니다.
- Less feature depth than 퀵북스 for complex companies
- No multi preparer sign offs for a formal close
Easy Month End란 무엇인가요?
Easy Month End는 월말 결산 프로세스를 위한 클라우드 플랫폼입니다.
It does not replace your accounting software. It sits on top of it.
Your finance team gets one checklist for month end, quarter end, and year end.
Every task has an owner, a due date, and a sign off.
그만큼 정점 is simple. Your finance team deserves better than a shared Excel tracker.
This walkthrough shows the checklist in practice.
🏆 우승: 쉬운 월말 마감
Workflow management for the close. Checklists, review comments, and audit evidence in a single platform your auditors can read.
간편한 월말 가격 책정
Three plans. No free tier, so factor that into the comparison.
| 계획 | 가격 | 가장 적합한 대상 |
|---|---|---|
| 작은 | 월 45달러 | A small team handling one company |
| 회사 | 월 89달러 | Growing teams with more month end tasks |
| 기업 | 가격 문의는 연락주세요. | 그룹 회사 및 여러 법인 |
Pricing verified September 2026.
무료 체험: A trial is offered so you can run one full close before you pay.
환불 보장: None published. Plans are monthly, so you can cancel rather than claim a refund.
📌 메모: Enterprise pricing is quote based because it covers group company management. If you run several entities, ask what the per entity cost looks like before you commit.
⚠️ 경고: This is a second subscription on top of your accounting software. At $45/mo it is cheap next to a close that slips, but it is not a replacement for a general ledger.
간편한 월말 결산의 주요 이점
Here is what the platform actually gives you:
- One close checklist: Every month end close task lands in one easily accessible tool. No more chasing a spreadsheet nobody owns.
- Task and team management: Assign work to team members and track progress in real time. You can see what is completed and what is stuck.
- 내장된 서명 기능: Review tasks with ease and keep track of approvals. Preparer and reviewer signing is recorded in the workflow, not in email.
- Audit evidence storage: Upload documents and collect audit evidence securely, so every file lives against the task it supports.
- Inbuilt audit log: Changes, review comments, uploads, and sign offs are all logged. Auditors get transparency without an email hunt.
- 그룹 회사 경영: Handle month end for several entities without the hassle of a separate tracker each time.
- Fits existing systems: It integrates with existing workflows, so the team works the way it already does and gets running quickly.
우리 팀이 발견한 점
우리의 작가 set up a close checklist in Easy Month End and walked it through a full cycle. Here is what stood out:
간편한 월말 결산의 장점과 단점
✅ 장점
- One checklist covers month end, quarter end, and year end
- Built-in sign offs keep track of approvals
- Inbuilt audit log records changes, comments, and uploads
- Group company management without a separate tracker per entity
- Works alongside your existing accounting software
❌ 단점
- No general ledger, so it cannot replace accounting software
- No free plan, unlike Puzzle IO
- Enterprise pricing is quote based with no public figure
- Solo founders with no reviewer get little from sign offs
기능 비교
Ten areas, side by side. Some of these only one tool even attempts, and we say so plainly rather than pretending both compete.
| 특징 | 퍼즐 IO | 쉬운 월말 |
|---|---|---|
| 시작 가격 | 월 0달러 | 월 45달러 |
| 무료 플랜 | ✅ | ❌ |
| 총계정원장 | ✅ | ❌ |
| Automated Bookkeeping | ✅ | ❌ |
| Close Checklist | ❌ | ✅ |
| Preparer Sign Offs | ❌ | ✅ |
| 감사 증거 보관 | ❌ | ✅ |
| 실시간 인사이트 | ✅ | ✅ |
| Multiple Entities | ❌ | ✅ |
| 가장 적합한 대상 | 스타트업 창업자들 | 재무팀 |
1. Bookkeeping and Data Entry
퍼즐 IO: This is the core of the product. It pulls transactions from bank accounts and cards, then handles transaction categorization automatically. The company puts automation at 85-95% of repetitive bookkeeping.
손쉬운 월말 정산: No bookkeeping engine here. It manages finance team tasks around the books instead, so a task can say “reconcile the payroll account” without touching the entry itself.
⚠️ 경고: Automating data entry cuts manual work through the month, but neither tool removes the review. Some users worry about over-reliance on AI for categorization, and that concern is fair.
2. Real Time Insights and Key Metrics
퍼즐 IO: Real time insights are the selling point. Cash runway, burn rate, and MRR sit on a visual dashboard. You can see your drafted financial position daily instead of waiting weeks for the close.
손쉬운 월말 정산: Its real time view is about progress, not money. You see which tasks are done, which are late, and who is holding things up.
3. 재무상태표 대조
퍼즐 IO: It produces balance sheets and matches transactions as they arrive. What it does not do is track who reviewed each reconciliation and when.
손쉬운 월말 정산: Balance sheet reconciliation is a named feature. All your reconciliations live in one place with supporting documents attached, which is what makes faster balance sheet reconciliations possible.
4. Month End Close Workflow
퍼즐 IO: Because the ledger stays current, the first month end feels lighter. But there is no checklist, no owner per task, and no way to lock the period against backdated changes.
손쉬운 월말 정산: This is the whole product. A stress less checklist captures the month end process, assigns each step, and shows the current state at a glance. It automates the tedious parts rather than the accounting.
⚠️ 경고: Modern software can automate up to 75% of routine closing tasks, and the average finance team still spends 73% of the close on manual, repetitive work. Efficiency comes from standardising the process first, not from the tool alone.
5. Revenue Recognition and Prepaid Expenses
퍼즐 IO: Built-in accrual automation covers revenue recognition, prepaid expenses, and fixed assets without manual spreadsheets. For a startup with annual contracts, that removes a real chunk of work.
손쉬운 월말 정산: It will not calculate an accrual for you. It will make sure someone prepared it, someone else reviewed it, and the working paper is attached.
6. Tax Compliance and Audit Evidence
퍼즐 IO: Tax compliance work starts from clean books, and Puzzle keeps income and expenses tracked through the year. Come tax time your accountant gets a ledger rather than a shoebox.
손쉬운 월말 정산: It is built to collect audit evidence as you go. Centralising documentation means auditors test controls from one place, not by raising a ticket per file.
7. Team Collaboration and Sign Offs
퍼즐 IO: Self guided onboarding gets one founder running fast, and that is the design goal. Team collaboration is thinner, since there is no preparer and reviewer split.
손쉬운 월말 정산: Team management is the point. You leave comments directly in the audit log, so a 질문 and its answer stay attached to the task instead of dying in a chat thread.
8. Integrations and Other Tools
퍼즐 IO: It connects to modern tools like Stripe, Brex, Ramp, and Gusto. Each connection removes manual data entry, so a bank transfer or card charge arrives already coded.
손쉬운 월말 정산: It integrates with existing workflows and systems rather than demanding you move. You can import a checklist you already keep in Excel and get running the same week.
9. Financial Insights and Dashboards
퍼즐 IO: All your financial data sits in one dashboard, which is where the clear insights come from. Founders use it to answer runway and cash flow outlook questions from investors without opening a spreadsheet.
손쉬운 월말 정산: Its reporting covers control and tracking for auditors. The financial insights come from your accounting software, not from here.
10. 가격 및 비용
Here are both plan sets next to each other.
| 층 | 퍼즐 IO | 쉬운 월말 |
|---|---|---|
| 무료 | Accounting basics: $0/month | ❌ |
| 기입 | 회계 및 인사이트: 월 42.50달러 | 소형: 월 45달러 |
| 중간 | 고급 자동화 기능: 월 85달러 | 회사: 월 89달러 |
| 맨 위 | 회계 및 스케일링: 월 255달러 | 기업용: 가격 문의는 연락주세요. |
퍼즐 IO: The free plan is the real advantage for an early stage company. Note that the price ladder is steep, and the $255 Scale tier costs more than both entry plans combined.
손쉬운 월말 정산: Pricing is flatter and easier to plan. The entry and mid tiers land within a few dollars of Puzzle’s, so cost will not decide this for you.
💡 꿀팁: Both figures come from each vendor’s published plans. Puzzle IO quotes per month and Easy Month End quotes per mo. Neither publishes an annual discount, so compare monthly.
다양한 시나리오
| 필요하시면 | 선택하다 | 왜 |
|---|---|---|
| Accounting software itself | 퍼즐 IO | It holds the general ledger |
| To spend nothing yet | 퍼즐 IO | Free plan under $5k spending |
| 감사 증거 및 승인 | 쉬운 월말 | 내장 감사 로그 |
| 보다 원활한 월말 마감 | 쉬운 월말 | Owned tasks, tracked progress |
| Multiple entities | 쉬운 월말 | 그룹 회사 경영 |
| Runway and burn rate daily | 퍼즐 IO | Live dashboard, no wait |
💰 예산
If you have no accounting software yet, Puzzle IO costs nothing to start. If you already pay for one, Easy Month End is the smaller addition at $45/mo.
🔌 사용 중인 기술 스택
Running Stripe, Brex, Ramp, and Gusto pushes you toward Puzzle. Running QuickBooks or 제로 and refusing to migrate pushes you toward the checklist layer instead.
👥 팀 규모
A solo founder gets little from sign offs, because there is nobody to review the work. Two or more people and the ability to split preparer and reviewer starts to matter.
🎓 귀하의 경험 수준
Puzzle assumes you are not an accountant and hides the mechanics. Easy Month End assumes you know what a reconciliation is and only asks who did it.
🔍 Your Auditors and Investors
Ad hoc requests for manual confirmations and working papers get old fast. A logged trail cuts the back and forth, and the delays with it.
🛟 지원 옵션
Both run on email and in-app support, not phone lines. A few Puzzle users report frustrating onboarding and service experiences, so test that first.
전환 가이드
Already on one of these? Here is what changes.
🔄 Puzzle IO에서 Easy Month End로 바꾸시나요?
✅ 얻게 될 이점:
- A checklist that makes each month end repeatable
- Sign offs and an audit log auditors can read
- 그룹 계열사 전반에 걸친 회사 경영
❌ 잃게 될 것:
- Your general ledger and automated bookkeeping
- Live cash runway and burn rate reporting
- 무료 플랜
📋 전환 방법:
- Keep Puzzle running, because you still need accounting software
- Create the Easy Month End account and import your existing checklist
- Assign owners, then run one close before you drop the old tracker
🔄 Easy Month End에서 Puzzle IO로 바꾸시나요?
✅ 얻게 될 이점:
- An AI native ledger that handles the bookkeeping
- Financial insights that stay up to date daily
- Accrual automation for prepaid expenses and fixed assets
❌ 잃게 될 것:
- Preparer and reviewer sign offs
- Stored audit evidence and review comments
- Multi entity task tracking
📋 전환 방법:
- Export your close documentation before you cancel
- Open a Puzzle account and connect your bank accounts
- Reconcile one full month in parallel to ensure the numbers agree
저희 리뷰에서 다루지 않은 내용
We looked at both tools from the view of early stage companies and small finance teams. We did not test a group with expanded international entities, or put either through a formal audit. Pricing and features reflect September 2026. If you manage clients as an accounting service provider, your priorities will differ.
최종 판결
| 범주 | 우승자 |
|---|---|
| 💰 가격 | 퍼즐 IO |
| 📒 Bookkeeping and General Ledger | 퍼즐 IO |
| ⚡ 실시간 인사이트 | 퍼즐 IO |
| ✅ 월말 결산 워크플로 | 쉬운 월말 |
| 🔍 Audit Evidence and Sign Offs | 쉬운 월말 |
| 👥 팀 협업 | 쉬운 월말 |
| 🏢 Multiple Entities | 쉬운 월말 |
| 🏆 종합 우승 | 쉬운 월말 |
🏆 우승: 쉬운 월말
Easy Month End가 7개 부문 중 4개 부문에서 수상했습니다.
다음과 같은 경우에 가장 적합합니다: A finance team with two or more people, companies facing auditors, and anyone running several entities.
💡 How we called it: Easy Month End carries the higher rating, 3.8 against 3.5, and wins the categories that decide whether a close lands on time. Puzzle IO is not worse. It is different, and plenty of teams pay for both.
Our final thoughts come down to a single question. What is broken right now?
If the books themselves are the problem, you need accounting software, and Puzzle IO is a strong pick for founders who chose Puzzle IO to escape spreadsheets. It gives an accurate picture of the money without a finance expert on payroll.
If the books are fine but the close drags, no ledger fixes that. You need workflow management, and that is where Easy Month End earns its place. It will not make reconciliations a breeze, but it makes them trackable. That is an easier life, and what a more efficient finance team runs on.
The honest answer for a growing company is often both. Puzzle keeps the ledger current so you can focus on the future. Easy Month End proves the work was reviewed. Teams that scale their company quickly add the second tool within a year.
Puzzle IO 비교하기
How Puzzle IO holds up against other accounting tools:
Puzzle IO가 다음에서 승리했습니다: A cleaner interface for non accountants, faster onboarding with no bookkeeper, live burn rate instead of delayed reporting
QuickBooks가 다음 항목에서 우위를 점합니다: Feature depth for complex companies, near universal acceptance among accountants, a far larger pool of trained bookkeepers
Puzzle IO가 다음에서 승리했습니다: Startup metrics like MRR and runway out of the box, accrual automation without add-ons, a genuinely free entry tier
Xero가 다음 항목에서 승리했습니다: Multi currency handling, a deep app marketplace, established payroll and inventory support
Puzzle IO가 다음에서 승리했습니다: Accrual accounting rather than cash basics, AI categorization at scale, metrics investors ask about
웨이브 승리 조건: 무료 송장 발행 프리랜서, simpler needs served without a paid tier, lower ceiling but lower learning curve
Puzzle IO가 다음에서 승리했습니다: Fixed assets and revenue recognition, funded startup reporting, integrations with Brex and Ramp
프레시북스 승리 항목: Time tracking for billable work, client facing invoicing, a service business workflow
월말 결산이 훨씬 수월해졌습니다.
How Easy Month End compares to alternatives:
쉬운 월말 마감 vs 넷스위트
월말에 손쉽게 수익을 올리는 방법: A price a small team can approve, setup measured in days not quarters, no consultant required to change a checklist
NetSuite의 승리 요인: A full ERP under the close, consolidation across large group structures, depth for public company reporting
월말에 손쉽게 수익을 올리는 방법: Purpose built close tracking rather than a module, review comments tied to each task, a lighter tool your team adopts willingly
세이지 승리 항목: Being the ledger as well as the process, long standing accountant familiarity, industry specific reporting
쉬운 월말 마감 vs 조호 북스
월말에 손쉽게 수익을 올리는 방법: Preparer and reviewer sign offs, stored audit evidence per task, multi entity close visibility
Zoho Books가 다음 부문에서 수상했습니다: Full accounting at a low price, a wide suite of connected business apps, invoicing and banking in one place
월말에 손쉽게 수익을 올리는 방법: Covering the whole close, not just documents, sign off evidence auditors accept, task ownership across the team
덱스터가 승리한 경기: Receipt and invoice capture, supplier document extraction, feeding data into the ledger automatically
자주 묻는 질문
⚠️ Name clash: Puzzle IO the accounting platform is unrelated to browser games on .io domains, to escape room companies, or to 암호화폐 puzzles. This page covers the accounting software only.
Puzzle io의 CEO는 누구인가요?
Sasha Orloff is the CEO and co founder of Puzzle. He started the company in 2019 with John Cwikla. In September 2026, Accrual agreed to acquire Puzzle’s accounting firm business.
퍼즐 소프트웨어란 무엇인가요?
Puzzle IO is AI powered accounting software for startups. It runs a general ledger, automates bookkeeping, and reports cash runway and burn rate as transactions arrive.
월말 결산은 어떻게 하나요?
Reconcile bank accounts, post accruals, review balance sheets, then lock the period. Locking prevents backdated changes after you finalise. A checklist tool records who completed and reviewed each step.
재무상태표 조정이란 무엇인가요?
It matches every balance sheet account to supporting evidence. You confirm the ledger figure agrees with the bank statement, schedule, or invoice behind it, then attach that proof.
월말은 스트레스가 많은가요?
Often. Manual processes make it error prone, and finance teams lose most of the close period to repetitive tasks. Weekly reconciliations and owned checklists reduce that stress.
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