ZipBooks

ZipBooks is a free and paid cloud accounting software that emphasizes smart features and a clean interface. Its free Starter tier includes unlimited invoicing, basic reporting, and bank connectivity. Unique features include a 'Smart Assistant' that suggests transaction categories and a vendor 'Grading' system for evaluating bill payment terms. Paid tiers add time tracking, advanced reporting, and unlimited users.

It targets startups and small service businesses looking for a cost-effective, intelligent platform. It scores for its innovative approach to guiding users toward better financial habits and offering a genuinely useful free plan for basic invoicing and bookkeeping.