Zarmoney

Streamline accounting, invoicing, inventory management, and financial reporting for businesses.

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  • Overview
  • Features
  • Pricing
  • Pros
  • Cons
  • Reviews

Zarmoney Overview

  • Updated December 18, 2025

ZarMoney is a cloud-based accounting software designed for businesses of all sizes. It offers robust features like invoicing, inventory management, bill payments, and financial reporting. With automated tax calculations, bank reconciliation, and customizable dashboards, it streamlines financial processes.

ZarMoney integrates with numerous platforms, supports multi-location inventory, and provides real-time data insights, making it a cost-effective, user-friendly solution for efficient bookkeeping and business growth.

Key Features

  • Custom Invoicing: Create and send professional invoices quickly, with options to auto-populate customer data and include a “Pay Now” button for instant payments.
  • Inventory Management: Track inventory across multiple locations, monitor stock levels, and use predictive analysis to avoid overstocks or shortages.
  • Bank Reconciliation: Automatically import and match bank transactions with business records to streamline reconciliation and identify discrepancies.
  • Financial Reporting: Access over 40 built-in reports and 1000+ customizable reports, including balance sheets and cash flow statements, for data-driven insights.
  • Bill Payment & Payables Calendar: Manage bills, print checks in bulk, pay multiple vendors, and track payment statuses to optimize cash flow.
  • Automated Tax Calculation: Calculate sales taxes based on regional regulations, with options for manual overrides and tax zone assignments.
  • Team Collaboration: Facilitate team communication with built-in messaging, task scheduling, and role-based access controls for secure workflows.
  • Integrations: Connect with over 9,600 financial institutions and platforms like Shopify, Stripe, Zapier, and Gusto for seamless data syncing.
  • Customizable Dashboard: Display key financial metrics, such as unpaid bills, profit and loss, and sales figures, tailored to user preferences.
  • Quote Generation: Create and send quotes to customers, streamlining the sales process with automated notifications and order tracking.
  • Transaction Tracking: Monitor all expenses, profits, and transactions from a centralized platform, with unlimited transaction capabilities.
  • Remote Access: Access financial data and manage tasks from any device with an internet connection, ideal for on-the-go business management.
  • Automated Alerts: Receive text or email notifications for overdue payments or order statuses to stay proactive with financial management.

Price

Plan Price Users / Notes
Entrepreneur US $15 per month 1 user.
Small Business US $20 per month for 2 users, plus US $10/month per additional user.
Enterprise From US $350 per month (for 30+ users, with custom features, specialized training, and dedicated account support).

Official pricing page: https://www.zarmoney.com/pricing

Pros

Competitor Pros of ZarMoney
QuickBooks Online ZarMoney offers a simpler, more cost-effective alternative to QuickBooks Online, with pricing starting at $15/month for a single user compared to QuickBooks’ $30/month for its basic plan. Its unlimited transaction capability stands out, as QuickBooks imposes monthly transaction caps in lower tiers. ZarMoney’s report generation is superior, with over 40 built-in reports and 1,000+ customizable options, surpassing QuickBooks’ reporting flexibility. The software’s inventory management, particularly for multi-location businesses, is more robust, allowing split-view tracking across sites. Users praise ZarMoney’s intuitive interface and concierge-like customer service, which contrasts with QuickBooks’ sometimes complex navigation and less responsive support.
Xero ZarMoney provides a more affordable and user-friendly option than Xero, with plans starting at $15/month versus Xero’s $13/month for limited features. ZarMoney’s unlimited transactions and seamless integrations with over 9,600 financial institutions outshine Xero’s restrictive transaction limits and fewer bank connections. Its inventory management tools are more advanced, supporting multi-location tracking, which Xero lacks in lower tiers. Users highlight ZarMoney’s simplicity and lack of unnecessary features, unlike Xero’s interface, which some find overly complex and similar to QuickBooks. ZarMoney’s U.S.-based live support is also a significant advantage over Xero’s less accessible customer service.
FreshBooks ZarMoney is more comprehensive than FreshBooks, which primarily focuses on invoicing and basic accounting for freelancers. Starting at $15/month, ZarMoney offers full accounting features, including advanced inventory management and payroll, which FreshBooks lacks in lower plans. Its customizable dashboard and extensive reporting (40+ built-in reports) provide deeper insights than FreshBooks’ simpler reporting tools. ZarMoney’s ability to handle unlimited transactions and integrate with platforms like Shopify and Zapier makes it more versatile for growing businesses. Users appreciate ZarMoney’s ease of setup and responsive customer support, contrasting with FreshBooks’ limited functionality for complex business needs.

Cons

Competitor Cons of ZarMoney
QuickBooks Online ZarMoney lacks a mobile app, unlike QuickBooks Online, which offers a robust app for on-the-go management. QuickBooks provides cash-based accrual reporting, a feature absent in ZarMoney, which may limit its appeal for businesses needing this specific reporting style. Some users report that ZarMoney’s check printing alignment process is cumbersome compared to QuickBooks’ streamlined process. Additionally, QuickBooks’ broader market presence and extensive third-party app ecosystem give it an edge for businesses requiring specialized integrations beyond ZarMoney’s 9,600+ bank connections.
Xero ZarMoney’s navigation can be less intuitive than Xero’s, with some menu items placed in non-centralized locations, requiring extra clicks to access features like adding customers or vendors. Xero offers a mobile app with more functionality than ZarMoney’s limited mobile web version. Some users note that ZarMoney’s data import/export process occasionally fails to auto-populate fields, requiring manual input, whereas Xero’s import tools are more reliable. Xero’s cash flow forecasting tools are also more developed than ZarMoney’s, which may be a drawback for businesses prioritizing forecasting.
FreshBooks ZarMoney’s interface, while user-friendly, may feel less polished than FreshBooks’ sleek, freelancer-focused design, which is tailored for simplicity in invoicing and time tracking. FreshBooks offers a mobile app with better functionality than ZarMoney’s web-based mobile access. Some users find ZarMoney’s setup process, particularly for complex integrations, slightly more challenging than FreshBooks’ quick onboarding. Additionally, FreshBooks’ focus on project costing and time tracking is more robust for service-based businesses, whereas ZarMoney’s broader feature set may feel overwhelming for solo entrepreneurs.

Verified Customer Reviews

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