Choose comma for a Canadian corporation that wants its own assistant working in the books, with a person approving every posting. Choose Puzzle (puzzle.io) for AI accounting aimed at US startups, with optional bookkeeping services.
Start your trialDifferent jobs The detail is below
comma is double-entry books for Canadian corporations. There is no chat box inside the app. Your own Claude or ChatGPT connects to the books and can read and write, asking you before each write, and a built-in AI bookkeeper on Pro and Premium proposes categories and finds receipts.
Nothing posts until a person reviews it.
Puzzle is AI accounting software aimed at US startups, with optional bookkeeping services and a hosted MCP connector.
Its AI categorizes most bank and card transactions on its own, and asks the owner in the app or by email about the ones it is unsure of.
Nine rows. Where we could not find something in puzzle.io’s documentation, the cell says so instead of guessing.
| comma | Puzzle (puzzle.io) | |
|---|---|---|
| AI assistant | comma Your own assistant, plus a built-in AI bookkeeper There is no chat inside the web app. Connect Claude or ChatGPT to answer from live reports, draft, and make real changes with your role, asking you first, each audited under your name with an AI marker. The AI bookkeeper (Pro and Premium) attaches receipts and proposes categories, transfers and matches. It never posts. AI receipt reading is Premium. | Puzzle AI Categorizer, built in Puzzle’s AI categorizes bank-feed transactions. For unclear ones it prompts the owner in the app or by email; the owner replies in plain English and the AI Categorizer assigns the category. Pricing trackers (July 2026) report AI items named Chat, Cowork and Close on every plan, with Cowork marked “Coming soon”. Not found in their docs: what Chat and Cowork do, which plans include Chat, and those items on Puzzle’s own pages. |
| MCP / AI connector | comma 190 tools: 91 read, 99 write An official remote MCP server for Claude, ChatGPT and any compatible client, with one-click authorize, revocable in Settings. Read-only on Basic; read and write on Pro and Premium. 77 of the write tools ask you to confirm first.
It records payments and never moves money. Bank linking, people and roles, billing and permanent delete stay in the browser. | Puzzle Hosted MCP, read-only by default An official hosted MCP at app.puzzle.io/mcp with OAuth. Puzzle’s API and MCP page says it is read-only by default, and that write access is an opt-in beta where every change needs the user’s confirmation. The user picks which companies the AI can reach, and needs Full or Partial access to a company with AI turned on. Puzzle’s own pages disagree here: a Puzzle FAQ says every MCP connection is strictly read-only. Not found in their docs: the number of tools and what they cover, which assistants are supported, rate limits, plan gating, the re-authentication interval, and which of the two read/write statements is current. |
| Automatic AI transaction handling | comma AI proposes. A person’s review books. There is no rules engine and nothing posts on its own. On Pro and Premium the AI bookkeeper gives each unreviewed bank line a category, or a transfer or match proposal, marked as AI. Rows wait in a review queue, and ticking review is what books the entry. On Basic you categorize by hand or through your connected assistant. | Puzzle Categorizes most rows on its own Puzzle’s AI categorizes most bank and card feed transactions without user-written rules. The rest go to the owner by an in-app or email prompt. Not found in their docs: one consistent auto-categorization rate (Puzzle’s pages give 90 to 95%, up to 95% and up to 98%), whether auto-categorized rows post without review, transfer and match detection. |
| Email inbox receipt matching | comma Searches your Gmail or Outlook for the receipt On Premium, connect Gmail, Outlook or both, read-only. The AI bookkeeper or your assistant searches by sender, terms and dates, and imports PDF and image attachments into the receipt inbox. The AI attaches the receipt to a transaction, and that attachment waits for a person to confirm or detach. Emails with no attachment are left for a person. There is no forward-to-email address. | Puzzle Not found in their docs: connecting a Gmail or Outlook inbox and searching it to find and match receipts. “Categorize from your inbox”, reported on Complete and above, is answering Puzzle’s categorization questions by email, and Puzzle’s own blog points to Dext for capturing receipts and bills from email. |
| iOS app | comma iPhone and iPad app, listing not confirmed A native iPhone and iPad app that needs iOS 27. It reviews bank lines, captures receipts with the camera, and handles invoices, bills, statements and reconciliation. We have not confirmed its public store listing as of the checked date, so check availability first. Plans and billing are web only. There is no Android app. | Puzzle Not found in their docs: a native iOS app. No Puzzle accounting app surfaced in our App Store search; Puzzle appears to be web-based. |
| Multiple companies | comma Several companies on one billing account Each company has its own ledger, currency, roles and audit trail, with a fast switcher. Every plan includes one company; each extra company is a paid add-on. Intercompany checks are Premium. There are no consolidated financial statements. | Puzzle Not found in their docs: how several companies are billed and reported. An earlier check found one subscription per company, with multi-entity reporting through Joiin, a third-party tool, on Core and above; not re-confirmed. Per-entity discount terms. |
| Canada | comma Built for Canadian corporations GST/HST tracked on documents, a GST/HST return worksheet (regular method only), remittance recorded, and GIFI account mapping for your accountant’s year-end handoff. Books in CAD, with USD bank and card accounts on Pro and Premium. Canadian bank feeds only. comma never files with the CRA. | Puzzle Not found in their docs: GST/HST, CAD books, Canadian bank feeds or CRA forms. An earlier check found one Puzzle comparison page saying US and USD only; not re-confirmed. |
| Other features | comma Core books, with no inventory or projects Invoices, credit notes, customer statements, reminders, bills and vendors, journals, bank reconciliation, reports, aging, CSV exports, audit log and year close. Four roles, and invited users pay nothing. Not in comma: inventory, projects, time tracking, quotes, recurring invoices, online payment collection on invoices, an app marketplace. | Puzzle Not found in their docs: native invoicing, bill pay, payroll, inventory, projects, time tracking. An earlier check found cash and accrual views, revenue recognition, burn and runway metrics, Stripe, Ramp, Gusto, Mercury and Brex integrations, an accounting partner program and optional bookkeeping services, and a “50% faster month-end close or your money back” pricing page title; none of these were re-confirmed, nor the money-back terms. |
| Pricing | comma Per company, not per user
CAD a month, or billed annually. Taxes extra. One company included; extra companies are an add-on priced by plan. No free plan; the trial needs a card. If a subscription lapses, the books become read-only and exportable, not deleted. | Puzzle Listed in USD, from a search snippet
USD a month, billed monthly, from a search-result snippet of puzzle.io/pricing; we could not open the live page. List prices as shown on their pages on 10 November 2026. Prices change, so confirm on the live page. Third parties report seats by plan: Starter 1, Core 5, Complete and Scale unlimited. Not found in their docs: a confirmed Starter price (third parties report US$30 a month), annual-billing prices (sources conflict), AI credit allowances (third-party trackers only), a free period (trackers report “Starter is free for 2 months”), trial length, Canadian pricing. |
Your assistant wants to use comma
comma_invoice_send
Invoice INV-0042 · Northwind Supply
$4,200.00 CAD · due in 30 days
91
read tools
99
write tools
77
ask first
Dashedproposed by AISolidbooked
Connected mailbox · read-only
billing@northwindhosting.example
Your March receipt · receipt-0312.pdf
Northwind Hosting
12 Mar · read by AI
This page is comma’s perspective. Verify before you decide. Puzzle claims and list prices were checked on 10 November 2026. We could not open puzzle.io or help.puzzle.io directly during this check. The Puzzle column rests on search-result snippets of the Puzzle pages below, plus third-party reviews and pricing trackers, so treat every Puzzle detail as a pointer and confirm it on the live page.