⚡ Veredito rápido:
- Preços: Puzzle IO starts free, then $42.50/month. Easy Month End starts at $45/mo.
- Ideal para: Puzzle IO for startup founders who need a general ledger. Easy Month End for a finance team running a month end close.
- Principal diferença: Puzzle IO records your transactions. Easy Month End tracks who reviewed and signed off on them.
- Nossa escolha: Easy Month End, on its higher 3.8 rating and audit evidence trail. Puzzle IO wins if you still need contabilidade software.
These two tools get compared a lot. They should not be.
Puzzle IO é software de contabilidade. 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.
Visão geral
Analisamos a documentação, as páginas de preços e as avaliações dos usuários para ambas as ferramentas.
Nossos redatores também passaram um tempo testando cada plataforma na prática.
Essas anotações estão nas seções "O que nossa equipe notou" abaixo.
By the end you will know which tool fits your finances.
O que é Puzzle IO?
Puzzle IO is AI powered accounting software built for startups and pequenas empresas.
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 contadores who never wanted to touch a ledger.
Aqui está uma análise mais detalhada da plataforma.
Puzzle IO
AI native financial management for cedo stage companies. It automates most bookkeeping and shows your cash runway in real time.
Preços do Puzzle IO
Four plans, and the entry tier costs nothing.
| Plano | Preço | Ideal para |
|---|---|---|
| Noções básicas de contabilidade | $ 0/mês | Pre-revenue startups under $5k monthly spending |
| Contabilidade e Insights | US$ 42,50/mês | Founders who want key metrics and reportagem |
| Avançado Automação | US$ 85/mês | Accrual work, prepaid expenses, fixed assets |
| Contabilidade mais Escala | US$ 255/mês | Funded companies with an accountant on staff |
Pricing verified September 2026.
Teste grátis: The free plan is open ended, not a timed trial. No card needed to start.
Garantia de reembolso: None published. You can cancel a paid plan and drop back to the free tier.
📌 Observação: 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.
⚠️ Aviso: 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.
Principais benefícios do Puzzle IO
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.
- Informações em tempo real: Cash flow, burn rate, and MRR update as dados 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.
- Configuração fácil: 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.
O que nossa equipe observou
⚠️ September 2026 update: Accrual agreed to acquire Puzzle’s accounting firm negócios, 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.
Prós e contras do Puzzle IO
✅ Prós
- Free plan for companies under $5k in monthly expenses
- Automates 85-95% of repetitive bookkeeping tasks
- Real time cash runway and burn rate instead of delayed reporting
- Clean, intuitive interface that non accountants can follow
- Self guided onboarding needs no finance expert
❌ Contras
- AI transaction categorization still needs a human review
- Alguns usuários relatam experiências frustrantes de suporte e integração.
- Less feature depth than QuickBooks for complex companies
- No multi preparer sign offs for a formal close
O que é o Easy Month End?
Easy Month End é uma plataforma em nuvem para o processo de fechamento mensal.
It does not replace your accounting software. It sits on top of it.
Your finance team gets one checklist for month end, quarter end, and year end.
Every task has an owner, a due date, and a sign off.
O tom is simple. Your finance team deserves better than a shared Excel tracker.
This walkthrough shows the checklist in practice.
🏆 Vencedor: Fim de Mês Fácil
Workflow management for the close. Checklists, review comments, and audit evidence in a single platform your auditors can read.
Preços fáceis no final do mês
Three plans. No free tier, so factor that into the comparison.
| Plano | Preço | Ideal para |
|---|---|---|
| Pequeno | US$ 45/mês | A small team handling one company |
| Empresa | US$ 89/mês | Growing teams with more month end tasks |
| Empresa | Entre em contato para obter preços. | Empresas do grupo e múltiplas entidades |
Pricing verified September 2026.
Teste grátis: A trial is offered so you can run one full close before you pay.
Garantia de reembolso: None published. Plans are monthly, so you can cancel rather than claim a refund.
📌 Observação: 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.
⚠️ Aviso: 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.
Principais benefícios do fechamento mensal simplificado
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.
- Aprovações integradas: 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.
- Gestão da empresa do grupo: 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.
O que nossa equipe observou
Nosso escritor set up a close checklist in Easy Month End and walked it through a full cycle. Here is what stood out:
Prós e contras do fechamento mensal fácil
✅ Prós
- 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
❌ Contras
- 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
Comparação de recursos
Ten areas, side by side. Some of these only one tool even attempts, and we say so plainly rather than pretending both compete.
| Recurso | Puzzle IO | Fim de mês tranquilo |
|---|---|---|
| Preço inicial | $ 0/mês | US$ 45/mês |
| Plano Gratuito | ✅ | ❌ |
| Razão Geral | ✅ | ❌ |
| Automated Bookkeeping | ✅ | ❌ |
| Close Checklist | ❌ | ✅ |
| Preparer Sign Offs | ❌ | ✅ |
| Armazenamento de Evidências de Auditoria | ❌ | ✅ |
| Informações em tempo real | ✅ | ✅ |
| Multiple Entities | ❌ | ✅ |
| Ideal para | Fundadores de startups | Uma equipe de finanças |
1. Bookkeeping and Data Entry
Quebra-cabeça 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.
Fim de mês fácil: 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.
⚠️ Aviso: 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
Quebra-cabeça 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.
Fim de mês fácil: 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. Conciliação do Balanço Patrimonial
Quebra-cabeça IO: It produces balance sheets and matches transactions as they arrive. What it does not do is track who reviewed each reconciliation and when.
Fim de mês fácil: 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
Quebra-cabeça 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.
Fim de mês fácil: 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.
⚠️ Aviso: 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
Quebra-cabeça 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.
Fim de mês fácil: 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
Quebra-cabeça 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.
Fim de mês fácil: 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
Quebra-cabeça 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.
Fim de mês fácil: Team management is the point. You leave comments directly in the audit log, so a pergunta and its answer stay attached to the task instead of dying in a chat thread.
8. Integrations and Other Tools
Quebra-cabeça 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.
Fim de mês fácil: 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
Quebra-cabeça 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.
Fim de mês fácil: Its reporting covers control and tracking for auditors. The financial insights come from your accounting software, not from here.
10. Preços e Custos
Here are both plan sets next to each other.
| Nível | Puzzle IO | Fim de mês tranquilo |
|---|---|---|
| Livre | Accounting basics: $0/month | ❌ |
| Entrada | Contabilidade com insights: US$ 42,50/mês | Pequeno: US$ 45/mês |
| Meio | Automação Avançada: US$ 85/mês | Empresa: US$ 89/mês |
| Principal | Contabilidade mais Escala: US$ 255/mês | Empresas: Entre em contato para obter preços. |
Quebra-cabeça 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.
Fim de mês fácil: 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.
💡 Dica profissional: 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.
Diferentes cenários
| Se você precisar | Escolher | Por que |
|---|---|---|
| Accounting software itself | Puzzle IO | It holds the general ledger |
| To spend nothing yet | Puzzle IO | Free plan under $5k spending |
| Evidências de auditoria e aprovações | Fim de mês tranquilo | Registro de auditoria integrado |
| Um fechamento de mês mais tranquilo | Fim de mês tranquilo | Owned tasks, tracked progress |
| Multiple entities | Fim de mês tranquilo | Gestão da empresa do grupo |
| Runway and burn rate daily | Puzzle IO | Live dashboard, no wait |
💰 Seu orçamento
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.
🔌 Seu conjunto de tecnologias
Running Stripe, Brex, Ramp, and Gusto pushes you toward Puzzle. Running QuickBooks or Xero and refusing to migrate pushes you toward the checklist layer instead.
👥 Tamanho da sua equipe
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.
🎓 Seu nível de experiência
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.
🛟 Opções de suporte
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.
Guia de Troca
Already on one of these? Here is what changes.
🔄 Está pensando em migrar do Puzzle IO para o Easy Month End?
✅ O que você vai ganhar:
- A checklist that makes each month end repeatable
- Sign offs and an audit log auditors can read
- Gestão de empresas do grupo em todas as entidades
❌ O que você perderá:
- Your general ledger and automated bookkeeping
- Live cash runway and burn rate reporting
- O plano gratuito
📋 Como mudar:
- 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
🔄 Está pensando em trocar o Easy Month End pelo Puzzle IO?
✅ O que você vai ganhar:
- An AI native ledger that handles the bookkeeping
- Financial insights that stay up to date daily
- Accrual automation for prepaid expenses and fixed assets
❌ O que você perderá:
- Preparer and reviewer sign offs
- Stored audit evidence and review comments
- Multi entity task tracking
📋 Como mudar:
- 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
O que nossa avaliação não abordou
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.
Veredicto final
| Categoria | Ganhador |
|---|---|
| 💰 Preços | Puzzle IO |
| 📒 Bookkeeping and General Ledger | Puzzle IO |
| ⚡ Informações em tempo real | Puzzle IO |
| ✅ Fluxo de trabalho de fechamento mensal | Fim de mês tranquilo |
| 🔍 Audit Evidence and Sign Offs | Fim de mês tranquilo |
| 👥 Colaboração em equipe | Fim de mês tranquilo |
| 🏢 Multiple Entities | Fim de mês tranquilo |
| 🏆 Vencedor Geral | Fim de mês tranquilo |
🏆 VENCEDOR: FIM DE MÊS FÁCIL
Easy Month End vence em 4 das 7 categorias.
Ideal para: 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.
Mais comparações de Puzzle IO
How Puzzle IO holds up against other accounting tools:
Puzzle IO vence em: A cleaner interface for non accountants, faster onboarding with no bookkeeper, live burn rate instead of delayed reporting
O QuickBooks se destaca em: Feature depth for complex companies, near universal acceptance among accountants, a far larger pool of trained bookkeepers
Puzzle IO vence em: Startup metrics like MRR and runway out of the box, accrual automation without add-ons, a genuinely free entry tier
Xero vence em: Multi currency handling, a deep app marketplace, established payroll and inventory support
Puzzle IO vence em: Accrual accounting rather than cash basics, AI categorization at scale, metrics investors ask about
Wave vence em: Faturação gratuita para freelancers, simpler needs served without a paid tier, lower ceiling but lower learning curve
Puzzle IO vence em: Fixed assets and revenue recognition, funded startup reporting, integrations with Brex and Ramp
FreshBooks vitórias em: Time tracking for billable work, client facing invoicing, a service business workflow
Mais opções de final de mês fácil em comparação com outras opções.
How Easy Month End compares to alternatives:
Fim de mês fácil vs. NetSuite
Vitórias fáceis no final do mês em: A price a small team can approve, setup measured in days not quarters, no consultant required to change a checklist
NetSuite vence em: A full ERP under the close, consolidation across large group structures, depth for public company reporting
Vitórias fáceis no final do mês em: Purpose built close tracking rather than a module, review comments tied to each task, a lighter tool your team adopts willingly
Sábio vitórias em: Being the ledger as well as the process, long standing accountant familiarity, industry specific reporting
Fim de mês fácil vs. Zoho Books
Vitórias fáceis no final do mês em: Preparer and reviewer sign offs, stored audit evidence per task, multi entity close visibility
Zoho Books vence em: Full accounting at a low price, a wide suite of connected business apps, invoicing and banking in one place
Vitórias fáceis no final do mês em: Covering the whole close, not just documents, sign off evidence auditors accept, task ownership across the team
Dext vence em: Receipt and invoice capture, supplier document extraction, feeding data into the ledger automatically
Perguntas frequentes
⚠️ Name clash: Puzzle IO the accounting platform is unrelated to browser games on .io domains, to escape room companies, or to criptomoedas puzzles. This page covers the accounting software only.
Quem é o CEO da Puzzle io?
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.
O que é um software de quebra-cabeça?
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.
Como fazer o fechamento do mês?
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.
O que é a conciliação do balanço patrimonial?
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.
O fim do mês é estressante?
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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