About ZarMoney

Category: Bookkeeping
ZarMoney offers small and medium-sized businesses a balance of robust accounting and bookkeeping features and simple UI. Pricing is decent, especially for solopreneurs and companies with only a few employees, and there is plenty of support available.

Company: ZarMoney

ZarMoney is a cloud-based accounting solution that assists businesses of all sizes in managing inventory and finances. Thousands of users worldwide trust its affordable price model, customer support, and features like team collaboration, transaction tracking, invoicing, quote generation, and more.

In-Depth Analysis

0 Overall
Price 3.5
Ease Of Use 4.5
Features 4.0
Support 4.5


  • Intuitive UI
  • Affordable for solopreneurs
  • Plenty of reports
  • 15-day free trial with no credit card required


  • Upgraded plans don’t add software features
  • Limited add-ons and integrations
  • High user count can make Small Business plan expensive

ZarMoney Comparisons

Plans & Pricing

ZarMoney offers a 15-day free trial with no credit card required. ZarMoney stores your data for 60 days after the end of your trial if you need some time to decide.

You have three choices of paid plans. All come with the same features in the following areas:
-Accounts payables/receivables
-Inventory management
-Productivity tools

The main difference between the three plans is the number of users you can add.

Single User
15-day FREE trial
Small Business
15-day FREE trial
15-day FREE trial

Single User

Single User (Entrepreneur) is designed for a single user, so it mainly serves freelancers and solopreneurs. It costs $15 per month, one of the most inexpensive bookkeeping options.

Small Business

Small Business customers can add up to 29 users. Pricing is $20 per month for two users, then $7 per user per month for up to 27 more users.


ZarMoney’s Enterprise plan is for larger companies who will need to give accounting software access to 30 or more people. ZarMoney offers Enterprise customers a few bonuses:
-Custom training
-Implementation help
-Dedicated account representative
-Priority support

Enterprise pricing starts at $350 per month, but ZarMoney puts together a custom quote based on your company size and user count. If you’re interested in Enterprise, you get a demo instead of a free trial.

Ease of Use

ZarMoney excels in usability, offering an intuitive UI and simple navigation. Finding your way around becomes easy after only a few minutes. Plus, tutorial videos and help articles can provide more guidance if you need it.

Customer Support

ZarMoney has great customer service. Each agent knows the software and is eager to help out. Every plan helps you onboard, but Enterprise offers specialized software training, too. Plus, ZarMoney offers several additional support resources.

Phone Support
Phone Support
ZarMoney agents are reachable by phone Mon-Fri 9 am - 5 pm EST
Live Online Chat
Live Online Chat
You can access help via live chat
Video Tutorials
Video Tutorials
Available in its Academy, on social media, and on YouTube
The support page has several FAQs
Features & Functionality
General Features
Invoicing/Accounts Receivable

ZarMoney offers several features to streamline your invoicing and accounts receivable. You can customize invoices, change payment terms, accept credit cards online, create and enforce credit limits/credit holds, send payment reminders, and more. ZarMoney is currently working on recurring invoices as well.

Vendors/Accounts Payable

ZarMoney handles the payables side of things, too. You can track your expenses and bills, automatically categorize expenses, manage your purchase orders, attach receipts, and even monitor for early payment discounts and automatically apply them if possible. There’s a payables calendar as well for easy bill tracking.

Plus, you can set authorized uses to approve A/P transactions, adding security to your payables process.

Bank Reconciliations

Reconciling your books with your bank account ensures accurate financials, helping you make informed decisions. ZarMoney makes it easy to identify discrepancies between the bank and your books and discover the reason behind the disparities.

Inventory Management

ZarMoney offers a lot in inventory management, helping you track things such as inventory and cost of goods sold in your books. You can monitor inventory levels and other relevant data in real time across several warehouses. There’s plenty of customization and other advanced inventory features like split POs and price adjustments for different customers.

Reporting and Analytics

ZarMoney offers several reports, including financial statements like your profit and loss statements and balance sheets. You can also generate AP/AR reports, 1099 reports, trial balances, and more.

  • General Ledger
  • Manages Accounts Payable/Receivable
  • Income & Expenses Tracking/Management
  • Account Reconciliations
  • Bookkeeping Services Integration
  • Financial Reporting
  • Receipt Scanning
  • Invoicing
  • Dashboards
  • Auditing
  • Inventory Tracking/Management
  • Pay Bills
  • Cloud-based
  • Collections
  • Multi-currency
  • Multi-user Access
  • Manage Vendors/Contacts
  • Manage Purchase Orders
  • Bank and Credit Card Synchronization
  • Payroll Management
  • Convert Quotes to Invoices
  • Mobile App
Tax Preparation
  • Tax Compliance
  • Manage Tax Calculations/Reporting
  • Accountant-prep Friendly/Accessible
Time-Saving Automations
  • Automation of Invoices/Notifications
  • Suggests Transaction Matches
  • Purchase Order Automation

ZarMoney is a comprehensive accounting and bookkeeping solution, so it only integrates with a few other software programs. Many of these are productivity tools and payment processing such as Gusto, Mailchimp, Shopify, Stripe, and Zapier.

  • Payment Processing
  • Payroll Processing
  • Project Management
  • Time tracking
  • Third-party Integrations
Supported Devices
  • Windows
  • Android
  • Linux
  • iPhone/iPad
  • Mac
  • Web-based
Pricing Model
  • Monthly Payment
  • One-Time Payment
  • Annual Subscription

ZarMoney’s an intuitive bookkeeping product that mixes advanced features with relative simplicity. It covers many aspects of bookkeeping, from AP/AR to generating financial statements and more.

ZarMoney could add more integrations, but the company has a history of adding features to the platform. Overall, solopreneurs and businesses with few employees will benefit the most from ZarMoney, given the price.

Bradley Schnitzer
Author: Bradley Schnitzer
Bradley Schnitzer helps businesses gain loyal customers through informative content pieces and persuasive copy. He is passionate about personal finance and helping budding freelancers further their careers.

ZarMoney User Reviews

Barbara K
02-10 employees
Used for: 6-12 months
10 Mar - 2021

Great value

I have been using Zarmoney for about a year now. I switched to this software in particular because of the interface. Easy and straightforward. The built-in reports are also advantageous. I use them often. I sometimes wish I could customize them more, but


Cost-friendly and fantastic customer service.


As mentioned before, more personalization options would make the overall system better in the long run. Hoping these are added in the updates one day. For now, I’m pretty happy with Zarmoney.

Sara E
11-50 employees
Used for: 1-2 years
06 Apr - 2021

Amazing pricing for high-end software!

I am super impressed with Zarmoney. I tried it out with the free trial, and instantly decided to stick with it. Costs only a fraction of what I was spending previously before, but I get everything I need. Immensely user friendly!


Slight learning curve and wish there was a graphic view of some data.

Aaron F
02-10 employees
Used for: 6-12 months
13 Jan - 2021

Zarmoney Review

Finally, an orderly software that allows me to skip manually counting everything when stocking. Zarmoney keeps track of everything so I can make reorders at the right time without any hassle. My books are organized and easy to sift through. I run my busin


Favorite part is the easy search in data and the Zarmoney team.


Nothing negative to say. Been working like a charm since the initial setup and training of my staff on it.

Thomas O
No employees
Used for: Less than 6 months
04 Feb - 2021

Perfect for beginners

Simple setup and easy-to-understand features.


The customer service will guide you through everything. Any problem I face, they immediately respond and offer a solution.


My one piece of advice and feedback is that the credit card options are limited to only a select number of processors. Gives you a little bit of a setback if you’re looking for a complete bookkeeping solution that requires one of these specific industries

Ethan T
11-50 employees
Used for: 1-2 years
17 Jan - 2021

Best part is the cost

Overall, the account charts are easily read and trackable. An awesome dashboard that enables you to see key performance indicators and full reports.


Automation is almost perfect with ZarMoney


Bank account information doesn’t regularly update