⚡ Краткий вывод:
- Цены: Expensify starts at $5/member/month. Puzzle IO starts free, then jumps to $42.50/month.
- Лучше всего подходит для: Expensify for expense reports and receipts. Puzzle IO for full startup бухгалтерский учет.
- Ключевое отличие: Expensify manages spending. Puzzle IO runs your general ledger and books.
- Наш выбор: 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 бухгалтерский учет программное обеспечение.
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 бизнес.
Обзор
This Puzzle IO vs Expensify comparison covers pricing, core features, and ease of use.
Наши авторы лично ознакомились с каждой платформой.
Эти замечания приведены в разделах «Что заметила наша команда» ниже.
Мы также использовали информацию из опубликованной документации, страниц с ценами и отзывов на G2.
By the end you will know which one fits your finances.
Что такое Puzzle IO?
Puzzle IO is accounting software built for startups and small businesses.
It was built by founders for founders, not for trained бухгалтеры.
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.
Большинство рано stage teams pick it to replace messy spreadsheets.
Головоломка IO
AI powered bookkeeping for startup founders. Free under $5k in monthly expenses. No finance expert needed to start.
Ценообразование Puzzle IO
Puzzle IO uses four tiers. Here is what each plan costs.
| План | Цена | Лучше всего подходит для |
|---|---|---|
| Основы бухгалтерского учета | 0 долларов в месяц | Pre-revenue companies under $5k monthly spending |
| Бухгалтерский учет и аналитика | 42,50 долларов в месяц | Founders who want clear insights and dashboards |
| Передовой Автоматизация | 85 долларов в месяц | Teams needing revenue recognition and accruals |
| Бухгалтерский учет плюс масштаб | 255 долларов в месяц | Funded startups отчетность to investors |
Pricing verified July 2026.
Бесплатная пробная версия: The free plan works as an open-ended trial for small companies.
Гарантия возврата денег: No published refund window, so test the free tier first.
📌 Примечание: The free tier covers companies under $5k in monthly expenses. That covers a lot of pre-seed teams.
⚠️ Предупреждение: The jump from free to $42.50/month is steep. Check your spending before you outgrow the free plan.
Основные преимущества Puzzle IO
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.
- Real time insights: 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.
- Простая настройка: 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?
Что заметила наша команда
Наш писатель signed up for Puzzle IO and connected a test account. Here is what stood out during setup and the first close.
Puzzle IO: плюсы и минусы
✅ Плюсы
- 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
❌ Минусы
- 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
Что такое Expensify?
Expensify — это универсальная платформа для управления расходами.
Это автоматизирует процесс управления расходами и отслеживания квитанций.
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.
🏆 Победитель: Expensify
Scan receipts, route approval requests, and reimburse employees fast. Syncs with QuickBooks and Xero.
Цены Expensify
Expensify charges per member. Here are the published plans.
| План | Цена | Лучше всего подходит для |
|---|---|---|
| Собирать | 5 долларов США/член в месяц | Small teams submitting expense reports |
| Контроль | Стоимость подписки начинается от 9 долларов США за участника в месяц. | Правила утверждения для крупных организаций |
Pricing verified July 2026.
Бесплатная пробная версия: Yes. New accounts get a trial period before billing starts.
Гарантия возврата денег: None published. Cancel before your renewal date instead.
📌 Примечание: Per-member pricing scales with headcount. A ten-person team on Collect costs $50/month.
⚠️ Предупреждение: Many users complain about unclear pricing and hidden charges. Read the plan details before you commit.
Основные преимущества Expensify
Here is what Expensify makes easier day to day:
- Захват с помощью SmartScan: Photograph a receipt and the app builds the report. Receipts are stored digitally for audits.
- Automated approval: 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.
- Пробег и путешествовать: 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.
- Экспорт бухгалтерской информации: 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.
Что заметила наша команда
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.
Плюсы и минусы Expensify
✅ Плюсы
- 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
❌ Минусы
- Система SmartScan может неправильно считывать чеки, и их необходимо корректировать вручную.
- 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
Сравнение характеристик
These two products overlap less than the category names suggest. We compared ten areas that matter when you pick one.
| Особенность | Головоломка IO | Expensify |
|---|---|---|
| Начальная цена | 0 долларов в месяц | 5 долларов США/член в месяц |
| Бесплатный план | ✅ | ❌ |
| General Ledger | ✅ | ❌ |
| Сканирование чеков | ❌ | ✅ |
| Corporate Card | ❌ | ✅ |
| Признание выручки | ✅ | ❌ |
| Возмещение расходов сотрудникам | ❌ | ✅ |
| QuickBooks Sync | ❌ | ✅ |
| Burn Rate Dashboard | ✅ | ❌ |
| Лучше всего подходит для | Бухгалтерский учет для стартапов | Управление расходами |
1. Core Function and Daily Workflow
Головоломка 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.
Expensify: 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
Головоломка 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.
Expensify: 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
Головоломка 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.
Expensify: 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.
⚠️ Предупреждение: Both tools lean on AI. Review flagged items weekly so small mistakes do not compound at close.
4. Revenue Recognition and Accruals
Головоломка 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.
Expensify: 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
Головоломка IO: There is no card product. Instead it reads card and bank activity from partners and posts it to the ledger automatically.
Expensify: The Expensify Card adds real безопасность 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
Головоломка IO: The partner list favours modern startup stacks. A direct connection to Stripe, Brex, Ramp, and Gusto removes most re-keying.
Expensify: 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
Головоломка 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.
Expensify: 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
Головоломка 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.
Expensify: 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
Головоломка 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.
Expensify: 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. Ценообразование и стоимость
Price only makes sense once you know how each tool bills. One charges per company, the other per person.
| Уровень | Головоломка IO | Expensify |
|---|---|---|
| Бесплатно | Accounting basics: $0/month | ❌ |
| Вход платный | Бухгалтерский учет плюс аналитика: 42,50 долл. США в месяц | Взимается: 5 долларов США с участника в месяц. |
| Средний уровень | Расширенная автоматизация: 85 долларов в месяц | Control: Starts at $9/member/month |
| Высший уровень | Бухгалтерский учет плюс масштаб: 255 долларов в месяц | ❌ |
Головоломка 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.
Expensify: Per-member pricing is cheap for five people and costly for fifty. Several users flag confusing charges, so confirm what your plan includes.
Различные сценарии
| Если вам это нужно | Выбирать | Почему |
|---|---|---|
| Zero budget | Головоломка IO | Free under $5k monthly spend |
| Захват чека | Expensify | SmartScan and mobile app |
| GAAP statements | Головоломка IO | Accrual and revenue recognition |
| Paying contractors abroad | Expensify | Local currency reimbursement |
| Corporate cards | Expensify | Expensify Card with spend limits |
| Книги, подходящие для начинающих | Головоломка IO | Self-guided setup, no finance expert |
💰 Ваш бюджет
Puzzle IO costs nothing until you cross $5k in monthly expenses. Expensify starts at $5 per member, so a ten-person team pays $50.
🔌 Ваш технологический стек
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.
🎓 Ваш уровень опыта
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.
🆓 Бесплатные пробные версии и демо-версии
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.
🛟 Варианты поддержки
Neither wins here. Expensify leans on automated chat, and some Puzzle IO users describe slow onboarding help.
Руководство по переключению
Already using one of these? Here is what changes if you move.
🔄 Switching from Puzzle IO to Expensify?
✅ Что вы получите:
- SmartScan receipt capture from any phone
- A corporate card with per-employee spend limits
- Reimbursement for staff and contractors in local currency
❌ Что вы потеряете:
- Your general ledger and monthly close
- Accrual automation for prepaid expenses and fixed assets
- Live cash runway and burn rate dashboards
📋 Как переключиться:
- 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?
✅ Что вы получите:
- A real general ledger with automated close
- Revenue recognition and accrual schedules built in
- Flat pricing that ignores headcount, plus a free starting tier
❌ Что вы потеряете:
- Mobile receipt scanning and stored digital receipts
- The Expensify Card and its spend controls
- Approval routing for employee expense reports
📋 Как переключиться:
- 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
Что не было рассмотрено в нашем обзоре
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.
Окончательный вердикт
| Категория | Победитель |
|---|---|
| 💰 Цены | Головоломка IO |
| 🚀 Основные функции | Галстук (разные профессии) |
| 🧾 Receipts & Expense Reports | Expensify |
| 📊 Глубина бухгалтерского учета | Головоломка IO |
| 👶 Простота использования | Expensify |
| 🔌 Интеграции | Expensify |
| 🛟 Поддержка | Головоломка IO |
| 🏆 Общий победитель | Expensify |
🏆 ПОБЕДИТЕЛЬ: EXPENSIFY
Expensify wins 3 of 7 categories and holds the higher rating at 4.1 versus 3.5.
Лучше всего подходит для: 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.
Больше информации о Puzzle IO в сравнении с другими играми.
Here is how Puzzle IO holds up against other accounting software:
Puzzle IO побеждает по следующим параметрам: cleaner interface for non accountants, a genuinely free starting tier, daily drafted financials instead of delayed reporting
QuickBooks выигрывает по следующим параметрам: feature depth built over decades, near-universal acceptance among accountants, a far larger app marketplace
Puzzle IO побеждает по следующим параметрам: startup-native metrics like burn and runway, built-in accrual schedules, onboarding without a bookkeeper
Xero выигрывает по следующим показателям: multi-currency handling, a mature partner network of advisors, stronger invoicing and payroll add-ons
Puzzle IO побеждает по следующим параметрам: accrual accounting rather than cash-basis only, automated transaction categorization, investor-ready statements
Волна побеждает в: free invoicing for фрилансеры, simpler learning curve, no spend threshold on its free plan
Больше информации о Expensify по сравнению с другими сервисами
Here is how Expensify measures up against other expense tools:
Expensify побеждает по следующим показателям: its own corporate card, global reimbursement in local currency, in-app travel booking
Показатель Dext равен: document extraction accuracy, supplier statement matching, tighter fit for accounting practices serving many clients
Expensify побеждает по следующим показателям: mobile-first receipt capture, approval routing to supervisors, per-employee card limits
QuickBooks выигрывает по следующим параметрам: full double-entry books, tax filing support, financial statements Expensify never produces
Expensify vs Zoho Expense
Expensify побеждает по следующим показателям: 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
Часто задаваемые вопросы
Стоит ли пользоваться Expensify?
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.
Сколько стоит Expensify в месяц?
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.
Подходит ли Expensify для малого бизнеса?
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.
В чём разница между QuickBooks и Expensify?
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.
Что такое программное обеспечение для головоломок?
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 игры.
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