Accounting software


Zipbooks review

ZipBooks was founded in 2015 with the goal of helping small business owners work smarter and get paid faster. The software is free to use, and the company makes its money through additional services.

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What sets it apart

  • Free accounting software
  • Fee-based cash advances
  • Accounting services


ZipBooks online software is free.
They make money two ways: offering the option to facilitate payments. For example, if you choose to use the Invoice Instant Payments feature, ZipBooks gives you an instant advance on an invoice when you send it out. You pay them back the advance later along with a stated fee.
It also offers professional accounting services with dedicated experts for a fee:

Bookkeeping: $100/month

Bookkeeping + Tax Preparation: $170/month

Bookkeeping + Tax Preparation + Payroll Management: $245/month


Founded in 2015, Utah-based ZipBooks was created by CEO Tim Chaves with the goal of helping small business owners work smarter and get paid faster. The primarily free online software targets freelancers, consultants, and small businesses.

The site has a three-pronged approach. It offers: 1) Free accounting software, including bookkeeping, invoicing, and expense-tracking, 2) Fee-based invoice financing where financial institutions take over accounts payable, offering cash advances to business owners, and 3) Several professional accounting services for monthly fees. If cash flow is a major problem for your business, then ZipBooks is for you. If not, keep in mind that it doesn’t yet offer customer relationship management tools, batch editing tools, or the ability to handle POs.


ZipBooks offers free online accounting software with standard services as well as fee-based invoice financing and professional accounting services for a monthly fee. Its primary benefits include:

  • Credit card processing that integrates with WePay and Stripe (services chosen by ZipBooks because of their low fees)
  • Online accounting software (accessible via mobile devices) that includes invoicing, recurring billing, time tracking, expense tracking, and reports.
  • Small business access to accounting experts for a monthly fee, covering bookkeeping, tax preparation, and payroll management.
  • Invoice financing that pairs small businesses with financial institutions that can provide cash advances for a small fee.