Accounting Software


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:

  • $100/month


  • $170/month

    Bookkeeping + Tax Preparation

  • $245/month

    Bookkeeping + Tax Preparation + Payroll Management


Zoho Books is an online accounting software for managing invoices, bills, banking, and even inventory. It’s geared towards businesses, from small to large, as well as merchants and sole proprietors. As a company, Zoho dates back to 1996 (when it was called AdventNet) and they’ve been launching products within the Zoho suite for over a decade. Zoho Books launched in 2011.

Zoho Books very much challenges the big names in the space with its ease of use, particularly its intuitive dashboard and simple customization. It also offers project tracking and supports multiple currencies (which some competitors do not). This makes it a great option for businesses with international customers and locations. That being said, Zoho Books doesn't have two key things that its competitors do: integrated payroll and compatibility with many third-party apps in the space.


Xero’s offerings include a mobile app, invoicing, an easy-to-read cash-flow interface, ecommerce integration, payroll, bank reconciliation, data conversion from Quickbooks, financial and tax reporting, and multi-currency support. Most notably, it offers:

  • Integrates with the PayPal suite, among other online payment apps
  • Features real-time reporting: Profit and loss, quotes and estimates, recurring invoices, automatic bank sync, tax reports, sales reports, accountant reports
  • Supports multiple countries, you can invoice your clients in their currency
  • Integrates with Zoho CRM, which is helpful for tracking your sales and finance teams’ projects (for larger businesses)
  • Access your account anywhere, thanks to the web-based/mobile app