AI Finance pricing compared
What 4 ai finance tools actually cost — free tiers, the cheapest paid plan, and where each free plan runs out. Each figure is taken from the vendor’s own pricing page and dated, so you can see when we last checked.
| Tool | Free tier | Cheapest paid plan | Verified |
|---|---|---|---|
| Brex | Yes | $12/user/month · Premium | 14 Jul 2026 |
| Ramp | Yes | $15/mo/user · Plus | 14 Jul 2026 |
| Puzzle | Yes | $30/mo · Paid tier 1 | 14 Jul 2026 |
| Booke AI | No | $129/per business/month · Per-business plan | 14 Jul 2026 |
Prices are as published by each vendor and may be region-specific — many vendors price by country. Confirm on the vendor’s page before buying.
Sorted cheapest paid plan first. A “free tier” means there is a genuinely free plan — tap through to any tool to see the full tier breakdown and exactly where the free plan stops. We list no fabricated prices: where a vendor only quotes “contact sales” we say so.
What drives ai finance pricing
Two very different business models sit in this category, and confusing them wrecks a budget comparison. Bookkeeping and accounting-automation tools charge you directly: Booke bills per business at $129/month, and Puzzle ladders $30 → $50 → $150 by depth of automation and reporting, priced per entity you keep books for. Corporate spend platforms work the opposite way — Brex and Ramp give the software away or nearly so (Brex Essentials and Ramp's base plan at $0, paid tiers at $12 and $15 per user) because they earn on card interchange and float, not subscription. So the driver depends on which half you're in: for accounting software it's the number of entities plus transaction volume and custom rules; for card platforms the seat price is almost incidental, a thin upsell over a product funded by your spending. Custom tiers everywhere gate firm-level rules, dedicated managers and bespoke AI reporting behind a sales call.
How to choose on price
Decide first whether you are buying accounting software or a spend platform, because the money works in opposite directions. If it's a card and bill-pay tool like Ramp or Brex, the free tier is genuinely usable — the vendor is paid through interchange — and you should climb to the $12–$15 per-user tiers only for custom roles, policies and ERP integrations, not to unlock core functionality. If it's bookkeeping automation like Booke or Puzzle, price on entities and transaction complexity; a single business fits Puzzle's lower steps, while a firm serving many clients belongs in Custom. The trap is assuming a $0 spend platform and a $129 bookkeeping tool are comparable — they solve different problems and stack rather than substitute. Cheapest is a false economy when a free card tool lacks the accounting rules your books need; often you run a free spend platform alongside paid bookkeeping software, and that combined cost is the real number.
AI Finance pricing FAQ
How can Brex and Ramp offer their software free?
Because they aren't really selling software — they earn on card interchange and float from the spending that runs through them. The $0 Essentials and base plans are complete for most companies; the $12–$15 per-user tiers add custom roles, policies and integrations rather than core capability.
What drives the price of bookkeeping tools like Booke and Puzzle?
The number of entities you keep books for plus transaction volume and rule complexity. Booke charges $129 per business; Puzzle's $30/$50/$150 steps buy deeper automation and reporting. A firm handling many clients moves to Custom, which prices firm-level rules and dedicated support.
Should I pay for Brex Premium or Ramp Plus?
Only for the governance, not the basics. At $12 and $15 per user they add multiple expense policies, custom user roles and ERP/HRIS integrations. If you don't need that administrative control, the free tiers already cover cards, bill pay and AI reporting.
Can one tool replace both a card platform and bookkeeping software?
Usually not — they're different products funded differently, and most finance teams run a free spend platform alongside paid bookkeeping automation. Compare the combined cost of the stack you'll actually use, not one tool's headline price against the other's.
See the full breakdown
Open any tool for its complete pricing tiers, free-tier limits, screenshot and honest review.