Puzzle
Finance
From$30/mo
10 people: $30 a month · $360 a year
- No free plan
- Up to 20% off yearly
- No startup credits listed
- 4 plans · priced per plan
Puzzle vs Xero: pricing compared
Plans, list prices and what a team of 5, 10 or 25 pays on each, from Surba's catalog of Finance tools. Updated for 2026.
At a glance
Side by side
Puzzle starts at $30/mo (Starter) and Xero at $27/mo (Early). For 10 people that's $30 vs $27 a month: Xero is $3 a month (10%) cheaper than Puzzle on list price.
Xero
Cheaper for 10 people
From$27/mo
10 people: $27 a month · $324 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 3 plans · priced per plan
Plans
Puzzle and Xero plans
Every plan with a public price, in US dollars.
Puzzle
Starter
85-90% auto-categorised transactions · Auto-drafted statements · Cash and accrual books
$30/mo
Core
Burn, runway and margin insights · Spend and revenue tracking · Variance analysis
$72/mo
Complete
AI accuracy review · Revenue recognition · Classes and departments
$120/mo
Scale
High-volume accounting · No transaction limits · Backup and restore
$360/mo
Save 20% with yearly billing. Starter is free for 2 months. Optional Expert Reviewed bookkeeping service $171/mo (up to $10K monthly expenses, includes Core); Full Service is quoted by expense volume.
Prices from Puzzle's pricing page, checked 26 Oct 2026.
Xero
Early
Quotes and 20 invoices · 5 bills · 30-day cash flow forecast
$27/mo
Growing
60-day cash flow forecast · Auto-reconcile transactions
$59/mo
Established
180-day cash flow forecast · Multiple currencies · KPI analysis
$97/mo
US pricing. Promo: 90% off first 6 months for new US customers (ends Nov 2, 2026).
Prices from Xero's pricing page, checked 26 Oct 2026.
Team cost
What each costs your team
Entry paid plans, per month and per year at list price.
| Team | Puzzle (Starter) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $30/mo$360/yr a year | $27/mo$324/yr a year | Xero $3 less a month |
| 10 people | $30/mo$360/yr a year | $27/mo$324/yr a year | Xero $3 less a month |
| 25 people | $30/mo$360/yr a year | $27/mo$324/yr a year | Xero $3 less a month |
Puzzle is priced per plan. Xero is priced per plan. Per-user prices are multiplied by the team; per-plan prices aren't. Before tax; yearly discounts not applied.
FAQ
Puzzle vs Xero: questions
Which is cheaper, Puzzle or Xero?
Puzzle starts at $30/mo (Starter) and Xero at $27/mo (Early). For 10 people that's $30 vs $27 a month: Xero is $3 a month (10%) cheaper than Puzzle on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Puzzle and Xero have free plans?
Puzzle has no free plan in Surba's catalog. Xero has no free plan in Surba's catalog.
Are Puzzle and Xero cheaper if you pay yearly?
Puzzle lists up to 20% off yearly billing. Surba's catalog lists no yearly discount for Xero.
More comparisons
Other Finance comparisons
Paying for Puzzle or Xero? Track it in Surba.
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