Wave vs Puzzle

Two accounting tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	WaveH&R Block	PuzzlePuzzle
In one line	Free double-entry accounting and invoicing	Accounting for startups that live in Stripe and a neobank
Starting price	Free	From $30/mo
Six-person team	$0/mo	$30/mo
Plans	Free (bank transactions entered by hand); Pro $19/mo or $190/yr adds automatic bank imports and receipt capture; cards 2.9% + 60¢	Starter $30/mo monthly or $24/mo billed yearly (1 seat); Core $72/mo monthly or $58/mo billed yearly (5 seats); Complete $120/mo (unlimited seats); Scale $360/mo
Pricing model	Free tier	Free trial
Free trial	—	60 days
Users	1 on free plan	1 on Starter; 5 on Core
Both connect to	No shared connections on record.
Also connects to	Helcim, Shoeboxed, Wave Payroll, Wise Business15+ listed by the vendor	Rippling, Deel, Mercury, Stripe Invoicing, BILL, Ramp, Brex, Rho
Team size	Just me · 2–10 people	Just me · 2–10 people
Available in	US · CA	US
Phone support	None listed	None listed
Live chat	Plans not stated	Plans not stated
Support hours	Live chat: Monday to Friday from 9 AM to 5 PM Eastern, Monday to Friday from 9 AM to 4:45 PM Eastern	Not published
Incidents posted	5 incidents posted on H&R Block's status page, which covers all H&R Block products and regions, in the 90 days to Oct 27, 2026; 1 marked major or critical by H&R Block. Status page	We found no public status page for Puzzle.
Capterra score	4.4 / 5 from 1,731 reviews	See reviews on Capterra
Trustpilot score	3.1 / 5 from 558 reviews	3.2 / 5 from 1 reviews (few reviews)
Fit: Retail shop	71	25
Fit: Restaurant or café	60	15
Fit: Service business	85	75
Fit: Agency or studio	70	82
Fit: Trades or contractor	75	30
Fit: Online store	55	55
Why people pick it	Free core product Simple invoicing	Cash and accrual books at once Strong startup integrations
Where it falls short	No inventory or job costing Bank connections now behind Pro	No inventory Built for US startups, not local shops
	Visit Wave ↗	Visit Puzzle ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices