ZeraBooks is AI bookkeeping software that runs your books completely automated. It reads bank statements and other financial documents, proves every one against the bank's printed balances, and does the books: categorizing, reconciling and closing each month. Businesses use it to run their own bookkeeping, bookkeepers use it to run many clients' books from one login, and accounting firms use the same engine to process client financial documents at volume.
WHAT ZERABOOKS DOES
Most bookkeeping is still somebody typing transactions from bank statements into a ledger, guessing at categories, and then hunting for the few dollars that stop a reconciliation from tying. ZeraBooks does that work itself. You upload a month of bank and credit card statements as PDF or CSV, including scanned pages. ZeraBooks reads every transaction and checks each statement against the opening and closing balance the bank printed on it, to the cent. A statement that doesn't tie is flagged and re-read instead of passed along. It then categorizes each transaction to your chart of accounts, learning from the categories you've already approved for your business rather than applying generic rules, pairs transfers between your own accounts so they never land on the profit and loss, matches bills and invoices to the payments that settle them, and drafts the month-end entries. When it isn't sure about a line, it asks you a plain-English question instead of guessing. A month only closes when the books tie to the bank, and every change the AI makes is logged with its confidence and can be undone.
WHO ZERABOOKS IS FOR
Small businesses: owners who are months behind on their books, or who don't want to spend evenings on them, use ZeraBooks to run their bookkeeping automatically. Send your statements and ZeraBooks sets up the books and catches up your past months for free, then keeps them current every month.
Bookkeepers: run every client's books with AI from one login, each client company with its own chart of accounts, rules and month-end close. Instead of re-keying statements and chasing reconciliations, you review what ZeraBooks did and answer the few questions it raises. Bookkeepers with a lot of clients get flexible, fair volume pricing.
Accounting firms: forensic, audit, tax and advisory teams use the same document engine to process client bank, credit card, check, brokerage and investment statements at volume. Every statement is proven against its printed balances before the data reaches a workpaper, multi-account statements are split by account, and output layouts and workflows can be built around how the firm already works. Teams at top-10 U.S. accounting firms use ZeraBooks.
KEY FEATURES
- AI bookkeeping that runs end to end: statements in, months categorized, reconciled and closed
- Ask Zera, the AI bookkeeping agent: hand it up to 20 statements, bills, invoices and receipts in one message; it imports statements oldest first, checks each against its printed balances, asks the owner what only they know, reconciles and closes months, and every action is a card you approve, skip or undo
- Double-entry general ledger with chart of accounts, journal entries and an audit trail of every change
- Bank reconciliation for every bank and credit card account, proven three ways against the statement
- Financial reports: profit and loss, balance sheet, cash flow statement, trial balance and general ledger detail, with drill-down from any number to the transactions behind it
- Bills (accounts payable) and invoices (accounts receivable), matched to the payments on your statements
- Month-end close with sign-off and reopen
- Multi-client management for bookkeepers and firms
- Bank statement converter included in the subscription: PDF bank, card, check and investment statements to balance-checked Excel or CSV, including QuickBooks-, Xero- and Sage-ready CSV layouts
- Reads statements from any bank, including scanned PDFs and statements that hold several accounts or cardholders
ACCURACY
ZeraBooks' extraction engine is 99% accurate. After a couple of months of bookkeeping for a business, it categorizes 99.6% of transactions correctly, tested on years of real bookkeeping for several companies. The AI never does the arithmetic: balances, reconciliations and reports are calculated by the double-entry ledger itself, and every statement must tie to its printed opening and closing balance before a month can close. That means a missing, doubled or misread line is caught the month it happens, not at tax time.
HOW ZERABOOKS IS DIFFERENT
Many accounting tools pull a live bank feed and leave the categorizing, clean-up, reconciliation and close to the owner or to an outsourced bookkeeper. ZeraBooks starts from the bank's own statement, proves every month against it, and does the bookkeeping itself, so the owner or bookkeeper reviews finished work instead of doing it. Compared with standalone statement converters, ZeraBooks goes past the spreadsheet: the same statements become a complete, reconciled set of books. Compared with AI accounting platforms built for venture-backed startups, ZeraBooks is priced for small businesses and bookkeepers, serves businesses across the U.S. and Canada, and includes free setup and catch-up of past months.
FREE SETUP AND CATCH-UP
New customers send their bank and credit card statements, and ZeraBooks sets up their books and catches up past months, up to the last 12, at no charge. The chart of accounts is set up, past transactions are posted and every account is reconciled to the bank. From then on, uploading each new statement is all it takes to keep the books done.
PRICING
One subscription covers the AI bookkeeping software and the bank statement converter: $79 a month billed annually ($948 a year) or $149 billed monthly, with a 7-day free trial. A card is taken at checkout and nothing is charged for 7 days. The plan includes 1,000 converter pages a month and 3 client companies; each extra client company is $29 a month or $290 a year. Larger plans cover 2,500 pages a month ($249 monthly or $2,148 a year) and 5,000 pages a month ($599 monthly or $5,388 a year). Bookkeepers with many clients and accounting firms processing documents at volume get flexible, fair pricing set on a short call, including custom document workflows built for the firm.
WHAT ZERABOOKS DOESN'T DO
Being clear about limits is part of getting the books right. ZeraBooks has no live bank feed: every month is built from uploaded statements, which is how each month can be proven against the bank's printed balances. It doesn't run payroll; it books the payroll transactions that appear on your statements. It has no mobile app and runs in the browser on any computer. It doesn't sync directly with QuickBooks or Xero; the converter produces CSV files ready to import into them.
HOW A MONTH WORKS
Say a landscaping company uploads its checking and credit card statements for March. ZeraBooks reads every transaction, confirms both statements tie to their printed balances, books fuel, materials and subcontractor payments to the accounts the owner approved in February, pairs the card payment with the transfer from checking, and matches three customer deposits to open invoices. Two transactions it hasn't seen before come back as questions: a new supplier and a cash withdrawal. The owner answers both in a minute, the month reconciles to the cent and closes, and the profit and loss, balance sheet and trial balance are ready to send to the accountant.
INDUSTRIES
ZeraBooks runs the books for contractors, trucking and owner-operators, law firms and IOLTA trust accounts, restaurants, real estate agents and property managers, medical, dental and veterinary practices, therapists, salons and spas, daycares, HVAC and plumbing companies, e-commerce sellers, nonprofits and startups, and for the bookkeepers and accounting firms who serve them.
CONTROL AND REVIEW
Nothing changes in your books without a record. Every AI action shows what was done, why and how sure ZeraBooks was, and can be undone in one click. Months can be reviewed, signed off and reopened, and the ledger keeps a full audit trail from each report number back to the statement line it came from.
COMMON QUESTIONS
Is ZeraBooks a QuickBooks alternative? Yes, for businesses that want the books done rather than another tool to do them in. Owners switching from QuickBooks Online, Xero or Wave send their statements and ZeraBooks catches them up for free.
Can a bookkeeper use ZeraBooks for clients? Yes. Every client is a separate company under one login, with its own chart of accounts, reconciliations, reports and month-end close.
Does ZeraBooks need my bank login? No. It works from the statements you upload, so there's no bank connection to break or re-authorize.
What documents can it read? Bank statements, credit card statements, check images, brokerage and investment statements, invoices, receipts and financial statements, from any bank.
How do I try it? Start the 7-day free trial on the ZeraBooks website and upload a month of statements, or book a free setup call and ZeraBooks will set you up and catch up your past months.
ABOUT THE COMPANY
ZeraBooks is built by Zera Books Inc., founded in 2025 in Vancouver, British Columbia, Canada, by Damin Mutti, and serves businesses, bookkeepers and accounting firms across the U.S. and Canada. In October 2026, Accounting Today covered the launch of Ask Zera, the AI bookkeeping agent inside ZeraBooks.
Who Is the Company Behind ZeraBooks?
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Seller: ZeraBooks
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Year Founded: 2025
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HQ Location: Vancouver, British Columbia, Canada
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LinkedIn® Page: www.linkedin.com
1 employees on LinkedIn®
