My Honest Review of ZarMoney For Accounting

My Honest Review of ZarMoney For Accounting | Accounting Smarts
Charles Hall

Last updated by

Charles Hall


June 10, 2022

For freelancers and small businesses, getting your accounting under control should be a top priority if you ever plan to scale your business.

For freelancers and small businesses, getting your accounting under control should be a top priority if you ever plan to scale your business.

With ZarMoney, you can get started for a low cost and leave yourself the option to remain with the same provider as you grow and scale. They provide every tool you need like a CRM, accounting, billing, and much more so you can save money every month too. This software solution is one of the best. 

Reliable accounting software can handle all of your financial needs like billing, payments, and bookkeeping. But it goes even farther with a platform like ZarMoney. This is an all-in-one platform that can be used to run the entire operations of your business as well as integrate with other more advanced accounting platforms.

We have been long-time fans of ZarMoney ever since they began releasing new features. As they continue to grow, we will always recommend this product based on our past experiences using it. This guide will explain all of the best (and worst) things ZarMoney has to offer.  

This article may contain affiliate links where we earn a commission from qualifying purchases.


Table of contents

What Is ZarMoney?

ZarMoney is a popular accounting software that can easily create different financial statements for businesses. It is a tool that helps organizations to manage their money and stay in control of their finances.

They offer a wide range of features, including templates for standard asset allocation, templates for cash flow statements, and templates for balance sheets. It also provides an app where users can make transactions from right within the software.

This is a perfect accounting software for freelancers, startups, and small businesses. It has features that are unique to freelancers and small businesses like direct bank account connection, automated reporting, and intuitive invoicing tools.

The interface is also very user-friendly, which is great for people who are new to using accounting software. You will get complete access to inventory, reporting, and tax calculations too and it all comes at a low monthly cost.

Beyond just accounting and finance, this tool is excellent as a productivity tool. You can collaborate with team members, share files, create notes, and customize individual dashboards to manipulate the tool to be your go-to place for everything related to work.

ZarMoney Features

ZarMoney is an online platform for small business owners and entrepreneurs. It offers a variety of features such as cash flow forecasting, cash flow analysis, and budgeting tools. The software also has built-in payroll and sales taxes calculators.

ZarMoney is the ultimate solution for your accounting needs. It offers tools to make sure you stay on track with all your finances and make better decisions about your company's spending and investments.

Advanced Inventory

Inventory management is an essential part of any business. A company’s inventory data should be continuously updated and accessible to users. A software like ZarMoney has features that can help you manage your inventory quickly and accurately.

ZarMoney provides automatic barcode scanning, real-time data tracking, and other features that make it possible for businesses to optimize their supply chains. It is a must-have tool for any business interested in managing its inventory effectively.

ZarMoney has its own data warehouse with real-time information on production schedules, suppliers, shipping delays, or price changes so that the entire supply chain can be optimized at all times.


ZarMoney is a well-known accounting software that is used by many small and large businesses. It was created to help people remain financially transparent with their business transactions.

ZarMoney has been an essential tool for many small businesses. It helps them improve their cash flow, manage expenses, and track inventory. Businesses use ZarMoney as a complete accounting solution as well as a way to check out on-site purchases without leaving the office.

Key accounting features include journal entries, account reconciliations, sales tax calculations, bank connections, and much more. You can even automate the transaction logging process.


ZarMoney's reporting is the perfect tool for businesses who need to submit 1099 reports and financial statements on time, but don't want to spend time or money doing it by hand.

You will gain full access to in-depth company insights that are available with only a few clicks. This also includes reporting on both your A/R and A/P accounts with plenty of details for tax season.

The use of this advanced reporting feature helps companies to make better decisions with greater efficiency and effectiveness by providing them with meaningful insights into their business activities that they can use to identify trends, optimize processes, and take corrective measures.

Vendor Management

ZarMoney makes it so easy to do your accounting with an intuitive interface and budgeting tools. With this software, you can easily track your bills, expenses, purchase orders and more so you don’t have to worry about forgetting or misplacing anything.

ZarMoney has a variety of features that will help you get organized. They include bill reminders, templates for receipts, templates for expense reports, and more. This makes it easy for the user to spend less time on paperwork and focus on more important things like their business.

When using the software, one will get to know about all the transactions that they have made. It is easy to identify purchase orders, bills, and expenses. You can even add discounts, download receipts, and set up rules to automatically track any outstanding invoices.

Customer Management

ZarMoney offers several features that simplify the process of managing business accounts and their customers. These features include automated invoicing, quotes, estimates, payment terms, and sales orders.

One of the most important features of ZarMoney is its ability to generate a quote or estimate automatically based on a customer’s existing information. This feature is especially helpful when a customer has not provided any pricing details yet.

The customer management feature also allows you to monitor customer payments and put overdue accounts on hold. Everything included with this feature is designed to improve the customer experience when doing business together.


For those who need to schedule tasks or work on multiple projects at the same time, we recommend using the scheduler. This will allow you to set up your day and see all of your scheduled tasks in one place.

ZarMoney has a variety of features that make it easy to stay organized and keep track of receipts, invoices, and other financial documents.

The scheduler allows you to schedule your tasks according to your availability. The file attachment feature helps you attach all your files from one place so they can be easily accessed later on.

Internal notes allow you to add any notes or thoughts that won't be seen by anyone else looking at the document. Lastly, collaboration is easy with ZarMoney's ability to share documents with others via the application or any similar integrations.

Why Is ZarMoney Good For Accounting?

ZarMoney is an accounting application that allows your business to keep track of your cash flow. It has a few features that make it worth using, including account reconciliations, advanced reporting, and the ability to manage tax-deductible receipts.

ZarMoney is a great option for small businesses because it automatically uploads information into your accounting software. The interface is user-friendly and easy to navigate which makes it easier for you to keep track of your finances when you are just starting out with the app.

This software is used as an accounting software for small and medium-sized businesses. It is mobile responsive and can be downloaded on an online basis. There are no setup fees, setup charges and monthly payments are low-cost and affordable.

This software provides all the features that are needed for a successful business to run smoothly. With its features like tax-friendly invoicing, margin calculations, balance sheet calculations, and more, your company will be able to manage its finances much easier with ZarMoney.

ZarMoney Plans and Pricing

The ZarMoney accounting plans are designed to make the accounting process easy and simple. The software is made with small businesses with a smaller budget in mind.

ZarMoney promises to offer an easy solution for anyone who wants to do their books with a computer without any hassle. ZarMoney is a platform that helps users keep track of their finances with ease, automating processes and freeing up time for more important tasks.

Each plan provides plenty of features that make this software an excellent value for small businesses to consider.


The Entrepreneur plan is the low-cost option to get started. It costs $15/mo per user and you get access to unlimited transactions with all features included.

This plan would be ideal for a single-user business or freelancer that needs to get started with new accounting software to handle business operations with more efficiency.  

Small Business

Similar to the Entrepreneur plan, all of the features are the same but you get two licenses instead. This plan is priced at $20/mo and you also have the option to continue to add new users for $10 per user for each month.


The Enterprise plan is best for larger businesses or those experiencing growth who need a bigger plan to better manage operations. For $350/mo, you get access to custom features, specialized training by the ZarMoney team, a dedicated account representative, and priority customer support.

This plan also contains over 30 licenses for users. You can give your entire team a license to maintain operations within the ZarMoney platform.  

ZarMoney Pros & Cons


  • Lots of implementations and use cases to suit a variety of business needs
  • Excellent option for small businesses because it is easy to learn
  • Simple design
  • The setup process takes only a few minutes
  • Cloud-based to gain access from anywhere
  • Known to be extremely fast with reporting
  • Advanced analytics tracking and functionality


  • Customer support is below average
  • Creating new templates can be a hassle

ZarMoney Alternatives

ZarMoney is a popular accounting software for freelancers, contractors, and small businesses. Its simple design and easy-to-use interface make it the perfect option for those who want to start their own business without any accounting experience.

ZarMoney takes care of all your financial management and invoicing needs so you can focus on what you do best. However, both Xero and FreshBooks are other excellent choices if you feel that ZarMoney is not the right option for you and your business


The Xero accounting software is an online platform that lets users organize their finances and business transactions. It offers some unique features including our favorite feature, the ability to make payments.

Xero is by far one of the most popular options for small businesses looking for a solution to managing their finances and business transactions. It offers many unique features that make it stand out from the competition.

It is easy to use, with mobile app support, mobile device compatibility, and web browser support. It offers full-featured software that includes features such as online invoicing, mobile app integration, bill payment, expense tracking, time tracking.

Xero offers an unparalleled user experience for its users with its various features such as the ability to collaborate on spreadsheets without having to worry about emails being lost in translation or getting sent out of date and the ability for teams to work together on individual projects.

Xero also offers plenty of integrations like Gusto so you can quickly and easily manage payroll in a single place. They also allow payment gateway integrations for billing and invoicing directly from the platform.

While Xero may offer more advanced accounting features, it does not provide the same suite of tools that you get with ZarMoney.


FreshBooks is a cloud-based accounting software that lets you keep track of your finances online. It can be used to bill clients, organize your receipts, and perform other financial tasks.

This software is suitable for anyone who needs to track their business income and expenses without having to worry about having to manually enter all the data into accounts or spreadsheets.

The software is complete with features that include automatic spending tracking, time tracking, invoicing, and inventory management. The customer support team will help you set up the software properly so that you start getting paid for your work sooner than later.

Accounting software is used by most businesses to track their finances and FreshBooks is one of the most popular accounting software that has an easy-to-use interface and it is available for multiple operating systems.

FreshBooks is very similar to Xero and you need to use integrations to take advantage of the payroll feature. However, everything related to financial accounting and management is extremely advanced including the reporting capabilities.