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Finance & Accounting
Zarmoney
Zarmoney logo
Finance & Accounting

Zarmoney

Zarmoney is an AI-powered accounting and financial management platform designed primarily for small to medium-sized businesses, freelancers, and accounting professionals. It automates core bookkeeping tasks such as expense tracking, invoice generation, bank reconciliation, and financial reporting by leveraging artificial intelligence to categorize transactions, detect anomalies, and provide predictive insights. The tool connects directly to bank accounts and payment processors to import financial data in real-time, reducing manual data entry and minimizing human error. Its AI engine learns from user corrections to improve accuracy over time, offering personalized financial dashboards, cash flow forecasting, and tax preparation assistance. Zarmoney positions itself as an intelligent financial co-pilot that helps business owners make data-driven decisions, maintain compliance, and save time on administrative finance work. The platform is cloud-based, accessible via web and mobile apps, and emphasizes security with bank-level encryption for sensitive financial data.

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📊 At a Glance

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Finance & Accounting
Finance & Accounting

Key Features

AI-Powered Transaction Categorization

Automatically categorizes bank and credit card transactions into income, expense, and tax-related accounts using machine learning that improves with user feedback.

Intelligent Invoice Automation

Generates, sends, and tracks professional invoices; includes automated payment reminders and reconciles payments directly with bank deposits.

Predictive Cash Flow Forecasting

Analyzes historical income, expenses, and payment cycles to project future cash flow, highlighting potential shortfalls and surpluses weeks in advance.

Smart Bank Reconciliation

Matches imported bank statement lines with recorded transactions in the ledger, flagging discrepancies, duplicates, or missing entries for review.

Automated Financial Reporting & Insights

Generates real-time profit & loss statements, balance sheets, and expense reports, with AI-driven insights on spending trends and tax optimization opportunities.

Multi-Platform Integration Hub

Connects seamlessly with banks, payment gateways (Stripe, PayPal), e-commerce platforms, payroll services, and tax software via APIs.

Pricing

Starter

Contact sales for pricing
  • ✓Basic bookkeeping and transaction categorization
  • ✓Invoice creation and payment tracking
  • ✓Financial dashboard and reporting
  • ✓Bank and payment platform connections
  • ✓Limited number of connected accounts or transactions per month

Professional

Contact sales for pricing
  • ✓All Starter features
  • ✓Advanced AI cash flow forecasting and insights
  • ✓Multi-currency support and international transaction handling
  • ✓Customizable financial reports and export options
  • ✓Priority customer support
  • ✓Higher limits on connected accounts and users

Enterprise

custom
  • ✓All Professional features
  • ✓Custom AI model training on company financial data
  • ✓Dedicated account manager and onboarding support
  • ✓Advanced security, compliance, and audit trail features
  • ✓Single Sign-On (SSO) and API access for custom integrations
  • ✓Service Level Agreements (SLAs) for uptime and support

Use Cases

1

Freelancer & Solo Entrepreneur Finance Management

Freelancers use Zarmoney to automate expense tracking from multiple personal and business accounts, generate and send invoices to clients, and estimate quarterly tax payments. The AI categorizes mixed transactions, separates business and personal expenses, and provides a clear view of profitability without requiring accounting expertise. This saves hours per month on admin work and reduces tax-time stress.

2

Small Business Bookkeeping & Compliance

Small business owners (e.g., retail shops, restaurants, agencies) connect their POS systems and bank accounts to Zarmoney for real-time bookkeeping. The AI reconciles daily sales, tracks inventory-related costs, and maintains audit-ready records. Automated reports help prepare for accountant reviews and tax filings, ensuring compliance with fewer errors and lower professional accounting fees.

3

Accounting Firm Client Service Enhancement

Accounting firms provide Zarmoney access to their small business clients for day-to-day transaction recording. The AI handles initial data cleaning and categorization, allowing accountants to focus on high-value advisory, tax strategy, and period-end adjustments. This model improves client engagement through real-time dashboards and increases firm capacity by reducing manual data entry work.

4

Startup Financial Monitoring & Investor Reporting

Startup founders use Zarmoney to monitor burn rate, track expenses across departments, and generate investor-ready financial updates. AI cash flow forecasting helps anticipate funding needs, and integration with cap table management tools provides a unified financial picture. This supports data-driven decision-making and transparent communication with stakeholders.

5

E-commerce Business Financial Operations

E-commerce sellers connect Zarmoney to platforms like Shopify, Amazon, and payment processors. The AI consolidates sales, fees, refunds, and advertising costs across channels into unified financial reports. It automatically matches payouts to orders, tracks COGS, and forecasts cash flow based on sales trends and inventory purchases, simplifying multi-channel financial management.

How to Use

  1. Step 1: Visit the Zarmoney website and sign up for an account by providing basic business information, email, and creating a password. You may start with a free trial if available.
  2. Step 2: Connect your business bank accounts, credit cards, and payment platforms (like PayPal or Stripe) via secure API integrations. Grant necessary read-only permissions for transaction data import.
  3. Step 3: Configure your chart of accounts, tax settings, invoice templates, and notification preferences within the Zarmoney dashboard to match your business structure.
  4. Step 4: Review and categorize transactions imported by the AI. The system will auto-suggest categories based on merchant patterns; you can approve, edit, or create rules for future similar transactions.
  5. Step 5: Generate and send invoices to clients directly from the platform, track payment statuses, and set up automated payment reminders for overdue invoices.
  6. Step 6: Use the reporting dashboard to view real-time profit & loss statements, cash flow forecasts, expense breakdowns, and tax liability estimates generated by the AI analytics engine.
  7. Step 7: Reconcile accounts periodically by matching bank statements with Zarmoney records; the AI highlights discrepancies and suggests corrections.
  8. Step 8: Export financial reports, share access with your accountant via secure guest roles, or integrate with tax filing software as needed to complete your financial workflow.

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At a Glance

Pricing Model
Paid
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