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Accounting software—
that does your books for you.

Send us your bank statements. We’ll set you up and catch up your past months for free. From then on, ZeraBooks keeps your books done automatically.

Get started free

Free setup and catch-up · 7-day free trial · from $79/month

TRUSTED BY ACCOUNTING FIRMS

Used for financial data extraction by a team at one of the 20 largest U.S. accounting firms.

A reference from one of the 20 largest U.S. accounting firms is available on request.ZeraBooks for firms

THREE WAYS TO WORK WITH ZERABOOKS

Run the books with AI.
Or hand them to us.

DO IT YOURSELF, WITH AI

Accounting software that does your books

ZeraBooks does the bookkeeping from your bank statements in a real general ledger. The document Converter is included.

  • Autopilot and Ask Zera do the books
  • Every month proven against the bank
  • From $79/month billed annually
Get started free How AI bookkeeping works

FREE TO START

Free setup + catch-up

Send your statements. We set ZeraBooks up and catch up your past months for you, free. Then it does your books automatically.

  • We load your past statements for you
  • Up to the last 12 months caught up, free
  • Every month proven against the bank
Book a free setup call Switching from QuickBooks?

FOR FIRMS

ZeraBooks Enterprise

Custom Converter and software solutions for accounting firms, at the volume you need.

  • Your document types and layouts
  • Higher volume and a dedicated instance
  • A reference from a top-20 U.S. firm
Talk to our team Software for accountants

MEET YOUR AI-NATIVE GENERAL LEDGER

From the first statement
to a closed month.

Real recordings from the product. Follow the work, all the way through.

01 / DOCUMENT EXTRACTION

Start with the source.

Upload a bank or credit card statement. Zera reads the transactions and brings them into your books, with the document available for review.

  • Dates, descriptions and amounts extracted
  • Transactions categorized into your chart
  • Source documents within reach
Try statement extraction How AI reads your statements

One-week free trial. Both apps included.

01 / 04

02 / CATEGORIZATION THAT LEARNS

Your experience. Remembered.

Each client’s chart, business context and reviewed history guide categorization. Your corrections take priority, helping familiar activity find the right home next time.

  • Learning stays specific to each client
  • Apply a correction to similar activity
  • Uncertain items stay available for review
Try AI categorization How the ledger learns

One-week free trial. Both apps included.

02 / 04

03 / BILLS, INVOICES & PAYMENTS

Keep both sides connected.

Bring bills and invoices into the same books as your bank activity. Qualifying payments settle what is owed without recording the income or expense twice.

  • Document lines read and categorized
  • Bills and invoices matched to payments
  • Partial and outstanding balances visible
Connect your bookkeeping Bills, invoices and payments

One-week free trial. Both apps included.

03 / 04

04 / RECONCILIATION & REPORTS

Close with a clear picture.

Check the statement arithmetic, continuity and ledger balance. Investigate differences against the source, then see the result in financial reports built from the same books.

  • AI suggests repairs for your review
  • Finalize periods that tie
  • P&L, balance sheet, cash flow and trial balance
Start reconciling your books How reconciliation works

One-week free trial. Both apps included.

04 / 04

CONNECTED BY DESIGN

A full picture.
Down to the source.

Every part of the workflow has a home, and every number traces back to a document.

The Ledger: one register per category, filled in from statements, bills, invoices and journal entries.

The general ledger.

Your chart of accounts, transactions and source documents, connected in one double-entry ledger.

Explore the general ledger

Bills & invoices.

Read from the PDF, approved when they pass every check, and matched to the payment that settled them.

See how payments connect

Financial reports.

P&L, balance sheet, cash flow and trial balance, calculated from the ledger. Click any number to see why.

See reconciliation & reporting
A converted bank statement split into accounts, proven against the statement and ready to download.

The document Converter.

Statements, checks and investment statements to Excel or CSV, proven to the cent. Included.

Explore the Converter

DOCUMENT CONVERTER · INCLUDED

The data you need.
Proven to the cent.

Extract financial documents without moving your books. Each statement is proven against its printed balances, then downloaded as Excel or CSV in QuickBooks-, Xero- or Sage-ready formats. See how it stacks up in our ranking of the best bank statement converters.

01Bank & credit card statements

Turn statement transactions, dates, descriptions and available balances into Excel or CSV, with QuickBooks-ready and Xero-ready CSV files. Multi-account statements split by account, card statements by cardholder. Learn more

02Financial statements

Extract financial statement tables into structured data for Excel or CSV, retaining the document’s reported figures for review.

03Invoices

Read vendor and customer details, line items, taxes and totals. Review the extraction and export to Excel or CSV.

04Checks

Extract check numbers, dates, payees and amounts from check images in PDFs. Review the fields and download an Excel or CSV file. Learn more

05Investment & brokerage statements

Extract holdings, activity, income, fees and reported summaries from investment and brokerage statements into Excel or CSV. Learn more

HOW ZERABOOKS COMPARES

ZeraBooks vs QuickBooks Online
vs Digits.

FeatureZeraBooksQuickBooks OnlineDigits
Price$79/mo billed annually or $149 monthly; one planSimple Start $38, Essentials $85, Plus $140, Advanced $340 a month (list price)Essentials $65, Core $100 a month; Pro $250 a month (coming soon)
Free trial7 days30-day free trial, or 50% off for 3 months30-day free trial
How transactions arriveUploaded statements, proven against their printed balancesBank feedsYes, 12,000+ banks, cards and payroll providers
AIDoes the bookkeeping, asks when unsure, every action undoableIntuit Intelligence: auto-categorization and AI agents on paid plansAI bookkeeping and reconciliation that run continuously
Document converterIncludedNot on the pricing pageNot on the pricing page
Setup and catch-upFree: we set you up and catch up past monthsIntuit Expert Full Service Bookkeeping (add-on)Through partner firms

Competitor facts from the QuickBooks and Digits pricing pages, checked October 1, 2026.

FREE SETUP + CATCH-UP

Behind on your books?
We catch you up, free.

Send your bank statements. We set up ZeraBooks and catch up your past months for you. From then on, it does your books automatically.

Up to the last 12 months, at no charge.
01

Send your statements.

Bank and credit card statements as PDFs. No bank login needed.

02

We set up and catch up, free.

Your chart of accounts set up and your past months posted and reconciled to the bank.

03

ZeraBooks keeps them done.

Upload each new statement and AI does the month. Your P&L, balance sheet and cash flow stay current.

ON A 30-MINUTE CALL

  • Walk through your books or your firm’s workflow
  • See ZeraBooks on documents like yours
  • Free setup and catch-up on your own statements
  • A clear next step, with pricing

DAMIN MUTTI · FOUNDER, ZERABOOKS

Good software.
A real person to talk to.

Bring your workflow, your questions, or the books you want off your plate. Talk with Damin about getting set up and caught up, switching from QuickBooks, or what your firm needs.

Book a call with DaminAbout ZeraBooks

STRAIGHTFORWARD PRICING

A lot less busywork.
One clear software price.

ZeraBooks software and the free setup and catch-up
COMPARE YOUR OPTIONS

Start with your
books caught up.

One software price. We set you up and catch up your past months for free.

BOTH APPS INCLUDED

ZeraBooks software

General Ledger + Converter

$79 / month

$948 billed annually. USD.

General Ledger + Converter (1,000 pages a month). One-week free trial.

Get started free No extra charge for the second app. Need more pages? See larger plans.
WE DO THE HARD PART

Free setup + catch-up

Your past months, done for you.

Free

We set up your accounts and catch up to the last 12 months.

Included with the software.
Who does the booksZeraBooks AI, and you review what it isn’t sure ofWe set you up and do your past months
SoftwareGeneral Ledger + Converter, with 1,000 Converter pages a monthThe same account, set up for you
Past monthsUpload them any timeCaught up for you, up to the last 12 months
Categorization & reconciliationDone by AI every month, proven against the bankDone for your past months before you start
Financial reportsP&L, balance sheet and cash flow, always currentReady the day your catch-up is done
Getting startedSeven-day free trialA 15-minute free setup call

One software subscription includes both apps. Setup and catch-up are free.

GOOD QUESTIONS

Let’s clear
things up.

Talk it through with DaminBrowse the Help Center
What is ZeraBooks?

ZeraBooks is accounting software that does your books for you. You send your bank and credit card statements, we set you up and catch up your past months for free, and from then on AI keeps your books done in the ZeraBooks General Ledger. The Converter, which turns financial documents into checked Excel or CSV files, is included. ZeraBooks also builds custom solutions for accounting firms.

What is AI-native accounting?

AI-native accounting software is built around AI from the start rather than adding it to an older ledger. In ZeraBooks, AI reads statements and documents, categorizes, matches payments and drafts month-end entries, while the double-entry ledger does every calculation and logs each AI action so it can be reviewed and undone.

Can ChatGPT do my bookkeeping?

A general chatbot can explain bookkeeping or suggest categories, but it doesn’t keep a ledger, prove statements against their printed balances or close months. ZeraBooks uses AI inside a real general ledger: it asks when it isn’t sure, never does the arithmetic, and every action can be undone.

Can ZeraBooks do my bookkeeping for me?

Yes. That is what the software is for. Send your statements and we set up ZeraBooks and catch up your past months for you, free. After that, AI does the bookkeeping each month from the statements you upload, and asks you only when it isn’t sure.

Is the setup and catch-up really free?

Yes. Book a free setup call or start your trial, send your bank statements, and we set up your chart of accounts and catch up your past months (up to the last 12) at no charge. You only pay for the software subscription if you keep using it.

How much does the software cost?

The software costs $79 per month billed annually ($948 per year), or $149 billed monthly, in U.S. dollars. General Ledger and Converter are both included, with 1,000 Converter pages a month (larger page plans from $179/month billed annually) and a one-week free trial.

Can I use the converter without switching accounting systems?

Yes. Convert bank and credit card statements, financial statements, invoices, checks, and investment or brokerage statements into Excel or CSV without moving your books, including QuickBooks-ready and Xero-ready CSV files for bank statements.

Does AI categorization learn from my corrections?

Yes. Each client’s business context, chart of accounts, reviewed bank transactions and confirmed bill or invoice lines guide categorization. Human corrections take priority. Familiar activity can benefit on a later upload; new or uncertain items still need review.

How do bills, invoices and payments connect?

AI reads and categorizes document lines. Qualifying bank payments settle bills and invoices without recording the income or expense twice. Recurring bills can post automatically when the counterparty is confirmed, categories have reviewed-history support, and source checks pass. New or incomplete bills stay available for review.

What happens when a statement does not reconcile?

ZeraBooks checks statement arithmetic, continuity between statements and the closing balance against the ledger. AI can reread the source and suggest repairs for a discrepancy. You review and apply those suggestions, then finalize a tied period.

Does ZeraBooks connect to my bank?

No. ZeraBooks works from the bank and credit card statements you upload, and proves each one against its own printed opening and closing balances, so you know nothing is missing.

Is ZeraBooks a QuickBooks alternative?

Yes. You can move your books from QuickBooks with your closing trial balance and unpaid invoice and bill reports, and let AI do the bookkeeping from your statements from then on. ZeraBooks is one plan with every feature, from $79 a month billed annually.

Does ZeraBooks work for large accounting firms?

Yes. ZeraBooks Enterprise customizes the Converter and the General Ledger for a firm’s documents and workflow, including higher volumes and a dedicated instance. A reference from one of the 20 largest U.S. accounting firms is available on request.

Can an accountant or firm use ZeraBooks for multiple clients?

Yes. Each client has their own chart of accounts, transactions, categorization history and financial reports. Bookkeepers and firms run their clients’ books in one account.

YOUR NEXT CHAPTER STARTS HERE

Make room for
what comes next.

We set you up and catch up your books for free. Then ZeraBooks keeps them done.

Get started free
Accounting firm? Talk to our team

Book a call with Damin

Our founder. 30 minutes on Google Meet. Pick a time on the next screen.

About: Have us do your books