Puzzle IO vs Wave：2025 年最佳会计软件？

优胜者

4.8

• 财务洞察
• 税务合规
• 簿记服务
• 合作伙伴生态系统
• 应计自动化
• 提供免费计划
• 付费计划起价 42.50 美元/月

立即尝试

亚军

3.0

• 账户对账
• 账目表
• 发票
• 产品与服务
• Financial Reporting
• 提供免费计划
• 付费计划，每月 19 美元起

立即尝试

Sorting out your 商业 money can feel like a puzzle.

You’ve probably come across a few different software options.

And two popular ones are Wave and Puzzle IO.

Both say they can simplify things and help you keep track of your money without a headache.

But how do you know which one is best for your business needs? Let’s compare Puzzle IO vs Wave.

概述

We’ve tested Puzzle IO and Wave, exploring their features, ease of use, and pricing. 

Our hands-on testing allows us to bring you a clear.

Side-by-side comparison to help you decide which 会计软件 best fits your business needs.

4.8满分 10 分

Ready to simplify your finances? See how Puzzle IO can save you up to 20 hours a month. Experience the difference.

定价： Free Plan available. Paid plan starts at $42.50/month.

主要特点：

• Financial Planning
• Forecasting
• Real-time Analytics

免费试用 Puzzle IO 阅读完整评论

3满分 10 分

超过 400 万 小型企业 trust Wave to manage their finances. Explore Wave’s plans and find the right fit.

定价： Free plan available. Paid plan starts at $19/month.

主要特点：

• 发票
• Banking
• Payroll add-on.

免费试用 wave 阅读完整评论

What is Puzzle IO?

So, Puzzle IO, what’s the deal?

It’s 会计 software designed to keep your business finances organized.

Think of it as a central place to manage your money coming in and going out.

此外，探索我们最喜欢的 Puzzle IO alternatives…

我们的看法

准备好简化您的财务了吗？看看 Puzzle io 如何帮您每月节省多达 20 个小时。立即体验它带来的不同！

免费试用 Puzzle IO 阅读完整评论 Puzzle IO 替代品

主要优点

Puzzle IO 在帮助您了解业务发展方向方面确实表现出色。

• 92%的 用户报告财务预测准确性更高。
• 实时了解您的现金流。
• 轻松创建不同的财务场景进行规划。
• 与您的团队无缝协作，实现财务目标。
• 在一个地方跟踪关键绩效指标 (KPI)。

免费试用 Puzzle io

定价

• 会计基础知识： 每月 0 美元。
• 会计加见解： 每月 42.50 美元。
• 会计加高级自动化： 每月 85 美元。
• 会计加量表： 每月 255 美元。

免费试用 Puzzle io

优点

• 喜欢高度重视规划。
• 预测工具令人印象深刻。
• 实时数据非常有用。
• 协作功能运行良好。
• 界面感觉非常直观。

缺点

• 对于非常小的设置来说，这可能有点过度。
• 集成选项可能会更加广泛。
• 客户支持响应时间各不相同。

免费试用 Puzzle io

什么是波浪？

好吧，我们来谈谈 "浪潮"。

It’s another 会计 software option out there.

What’s cool is that they offer a completely free plan.

Which can be a real plus for new businesses.

此外，探索我们最喜欢的 Wave alternatives…

我们的看法

Don’t settle for less! Join the over 2 million small businesses that rely on Wave’s powerful, free core accounting features to streamline their finances today.

Try wave now 阅读完整评论 wave alternatives

主要优点

Wave’s strengths include:

• A 100% free core accounting plan.
• Serving over 2 million small businesses.
• Easy invoice creation and payment processing.
• No long-term contracts or warranties.

定价

• 启动计划： $0 月。
• 专业计划： $19month.

Try wave now

优点

• Core features are available for free.
• The software is generally easy to use.
• It offers cloud-based access anytime.
• Invoicing features are well-integrated.
• Connecting bank accounts saves time.

缺点

• Free plan has limited 自动化.
• Customer support is limited on free plan.
• Payroll is an additional cost.
• Advanced features require paid plans.

Try wave now

功能比较

You need to know the core differences before you commit.

We’ve done the deep dive to show you exactly how each platform handles the features that truly matter.

So you spend less time with spreadsheets and more time growing.

1. AI-Powered Automation

• Puzzle IO: This is where Puzzle IO shines. It is AI-powered, built for automation. It handles tedious tasks like transaction categorization and auto-adjustments. Many startup founders and co-founders chose Puzzle because it acts like a fractional finance expert.
• Wave: Wave offers basic automation, mainly for simple rules and automated payment reminders for invoices. It relies more on manual input and simple rules compared to Puzzle IO’s deep-learning systems.

2. Real-Time Financial Insights

• Puzzle IO: Provides immediate and clear insights into your current state. Its dashboard is a game-changer, 即刻 showing key metrics like cash runway, burn rate, revenue, and monthly recurring revenue. You can see your company quickly with an accurate picture.
• Wave: Wave offers standard financial reports (like Profit & Loss) but lacks the instant, startup-focused key metrics and forecasting tools that Puzzle IO provides. You must run a report to see the current state.

3. Startup-Specific Metrics

• Puzzle IO: Built specifically for early-stage and tech companies. It automates complex calculations like revenue recognition and tracks fixed assets, ensuring your books are up to date for investors. This gives founders a view you won’t see in other tools.
• Wave: Wave is focused on small business 会计 software basics. It does not natively handle revenue recognition or track metrics like cash runway or burn rate. It is more focused on being a simple ledger.

4. Advanced Accounting Tasks

• Puzzle IO: It is designed to automate complex 会计 rules, such as handling prepaid expenses and depreciation for fixed assets. This means non-accountants can trust their books at tax time. It greatly reduces the chance of errors.
• Wave: Wave’s primary focus is on simplicity for 小型企业 owners. It does not have built-in tools for managing prepaid expenses or fixed assets, requiring manual adjustments or reliance on a finance expert.

5. Invoicing and Payments

• Puzzle IO: Offers professional invoicing features and is optimized to integrate with Stripe and other modern payment processors. You can accept online payments easily.
• Wave: The wave 会计 platform provides excellent, free accounting software with unlimited invoices. It is simple for freelancers to send invoices, accept online payments, and track billable hours. Wave makes this process very easy.

6. Expense and Receipt Management

• Puzzle IO: Supports digital receipt capture and uses its AI to match and categorize spending automatically, giving you better financial 数据. It is constantly checking for potential errors.
• Wave: Wave offers basic receipt scanning through its mobile app, which you can use to track expenses. However, the auto-import bank transactions and matching can sometimes be less robust than Puzzle’s system.

7. Payroll Functionality

• Puzzle IO: It requires integration with other tools like Gusto or Rippling for full payroll processing. You can still track expenses related to your active employee.
• Wave: Offers an integrated Wave payroll add-on in the US and Canada. You can pay an independent contractor or active employee using direct deposit, making it a one-stop shop for 会计 and payroll.

8. User Access and Scalability

• Puzzle IO: Designed to support unlimited users and multiple roles. This makes it easy to bring on your accountant or co-founder. This platform is built for businesses that will scale in the future.
• Wave: The core free platform and most plans offer unlimited users and allow you to manage multiple companies from one login, which is a great value for small business owners.

9. Banking and Data Import

• Puzzle IO: Features strong, native integrations that auto-import bank transactions and other financial data. It’s designed for easy setup and keeping your books up to date to give you an accurate picture.
• Wave: Wave accounting reviews often praise its ability to auto-import bank transactions for free. Its free version allows bank connections, which is one of the key features of this free accounting software.

What to Look for When an Accounting Platform?

Here are the key points to consider for wave accounting:

• Free Starter Plan 对比 Paid Plan: The free starter plan covers core expense tracking and invoicing software, but check what features are locked behind the paid pro plan.
• Payment Costs: Pay close attention to credit card and bank payment transaction fees if you accept online payments.
• Payroll Needs: Wave excels at payroll processing for both employees and ensuring your independent contractors are paid correctly, but it is an add-on.
• 安全: Ensure your money management features are safe with options like multi-factor authentication.
• 生长： While it offers unlimited users and handles basic general ledger entries, it may require a paid pro plan for advanced 报告 as your business scales.
• Invoicing: Look for invoicing features like recurring billing and automated payment reminders.
• 支持： Access to the help center and human support may depend on your subscription level.

最终裁决

After this deep dive, our final thoughts are clear.

We highly recommend Wave for freelancers and small clients looking to save time and money upfront.

The free two-plan structure means you can start with 簿记 records and invoicing software with zero cost.

You can easily manage recurring invoices and get your independent contractor paid.

However, suppose you are a high-growth business and need sophisticated features like real-time financial health metrics, deep tax compliance, and advanced automation to eliminate manual data entry.

In that case, Puzzle IO is the more intuitive service.

While QuickBooks is the industry standard, Puzzle IO is designed for the future.

You can’t wait to get your transactions automatically tracked from your credit card transaction or set the date range for your tax filing.

Puzzle IO offers a deeper feature set to save on the back end by giving peace of mind.

免费试用 Puzzle IO 阅读完整评论 Puzzle IO alternatives

免费试用 wave 阅读完整评论 wave alternatives

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常见问题