ExpensifyPaid
Expense reports and receipt scanning that employees will actually use, plus a corporate card and, since mid-2026, natural-language setup, AI workflow agents in beta, and an MCP server.
Finance & Admin comparison
Expensify vs Puzzle.io
Pricing, pros, cons, and ideal use cases — side by side.
Puzzle.ioPaid
AI-native general ledger that auto-categorizes up to 98% of transactions and produces real-time burn, runway, and investor dashboards.
At a glance
| Expensify | Puzzle.io | |
|---|---|---|
| Pricing | PaidSubmit plan free for individuals; Collect $5 per unique member/month; Control is listed as "Custom pricing, as low as $9 per active member/month" on the vendor's pricing page (rendered in a browser; it is client-side). Expensify's help center spells out the Control formula: $18 per member/month on an annual subscription plus $36 per active member above the subscription size, pay-per-use $36 per active member/month, discounted up to 50% (to $9 and $18) with Expensify Card spend. As read in early October 2026. | PaidSoftware-only: Starter $30/month, Core $72/month, Complete $120/month, Scale $360/month, billed monthly (20% less on yearly billing), differing by seats, AI credits and expense volume. Core plus expert review starts at $171/month for up to $10K in monthly expenses; full service is quoted by volume. As read on the vendor's pricing page in early October 2026. |
| Category | Finance & Admin | Finance & Admin |
| Ideal for | SMBs whose employees still email receipts to the bookkeeperFinance teams on QuickBooks Online, Xero, NetSuite, or Sage IntacctCompanies that reimburse travel and mileage more than they issue cardsMid-market finance teams that want an AI and MCP surface over expenses | VC-backed startupsSaaS companiesFractional CFO teamsTech-forward agencies |
Pros & cons
Expensify
Pros
- SmartScan receipt capture is the most-praised feature in the category
- Strong accounting integrations — QuickBooks, NetSuite, Xero, Sage Intacct
- Natural-language setup, AI agents in beta, and an MCP server
- Collect price published per member; the Control formula is documented in the help center
- Mature product with a very large review base (third-party ratings around 4.5/5)
Cons
- Control pricing roughly doubles without the Expensify Card
- Capterra reviewers report duplicate-expense and sync bugs
- Legacy-to-New Expensify migration is still in progress — two UIs in the wild
- Control is custom-priced — the published formula lives in the help center, not the pricing page
- Public company with revenue down year over year in Q2 2026, per its own results
Puzzle.io
Pros
- Automates up to 98% of transaction categorization
- Built for investor reporting from day one
- No QuickBooks migration headache
- Real-time burn and runway dashboards
Cons
- Less ecosystem than QuickBooks
- Pricing scales with revenue
- Not ideal for cash-basis service businesses
Which should you choose?
Expensify is built around smbs whose employees still email receipts to the bookkeeper; Puzzle.io leans more toward vc-backed startups. Shortlist the one whose strengths line up with your biggest constraint.
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