Automatically categorizes bank and credit card transactions into income, expense, and tax-related accounts using machine learning that improves with user feedback.
Generates, sends, and tracks professional invoices; includes automated payment reminders and reconciles payments directly with bank deposits.
Analyzes historical income, expenses, and payment cycles to project future cash flow, highlighting potential shortfalls and surpluses weeks in advance.
Matches imported bank statement lines with recorded transactions in the ledger, flagging discrepancies, duplicates, or missing entries for review.
Generates real-time profit & loss statements, balance sheets, and expense reports, with AI-driven insights on spending trends and tax optimization opportunities.
Connects seamlessly with banks, payment gateways (Stripe, PayPal), e-commerce platforms, payroll services, and tax software via APIs.
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.
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.
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.
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.
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.
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