Xero vs Puzzle

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

Short version

Xero costs less for a six-person team.
Xero fits retail shop, restaurant or café, service business, trades or contractor, online store.
Xero suits teams past ten people.
Puzzle: Cash and accrual books at once.

Compare	XeroXero Ltd	PuzzlePuzzle
In one line	Cloud accounting with unlimited users on every plan	Accounting for startups that live in Stripe and a neobank
Starting price	From $27/mo	From $30/mo
Six-person team	$27/mo	$30/mo
Plans	Early $27/mo (20 invoices); Growing $59/mo; Established $97/mo; unlimited users, no per-user fees; intro offers often cut the first 3 months	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 trial	Free trial
Free trial	30 days	60 days
Users	Unlimited	1 on Starter; 5 on Core
Both connect to	Rippling, Deel, Mercury, Stripe Invoicing, BILL, Ramp, Brex, Rho
Also connects to	Square POS, Shopify POS, Gusto, Shopify, Relay, Bluevine, Square Invoices, Expensify +24 more1,000+ listed by the vendor	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US
Phone support	None listed	None listed
Live chat	None listed	Plans not stated
Support hours	Web form: 24/7	Not published
Incidents posted	26 incidents posted on Xero Ltd's status page, which covers all Xero Ltd products and regions, in the 90 days to Oct 27, 2026; 10 marked major or critical by Xero Ltd. Status page	We found no public status page for Puzzle.
Capterra score	4.4 / 5 from 3,332 reviews	See reviews on Capterra
Trustpilot score	4.1 / 5 from 11,478 reviews	3.2 / 5 from 1 reviews (few reviews)
Fit: Retail shop	84	25
Fit: Restaurant or café	80	15
Fit: Service business	88	75
Fit: Agency or studio	90	82
Fit: Trades or contractor	84	30
Fit: Online store	85	55
Why people pick it	Unlimited users Clean interface Good for multi-currency	Cash and accrual books at once Strong startup integrations
Where it falls short	Early plan limits are tight Fewer US accountants use it	No inventory Built for US startups, not local shops
	Visit Xero	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

Xero vs Puzzle

Short version

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