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AI ACCOUNTING SOFTWARE

AI bookkeeping software that does your books.
You review what matters.

Upload your bank statements. ZeraBooks categorizes every line, reconciles the month and asks you only about what it isn’t sure of.

7-day free trial · card required, nothing charged for 7 days · then $79/month billed annually or $149 monthly

Ask Zera: one message, and the month is done.

AI accounting software does the bookkeeping for you: it reads your bank statements, categorizes every transaction, matches bills and invoices to payments and reconciles each month. ZeraBooks is AI bookkeeping software that does this inside a real double-entry general ledger, asks you when it isn’t sure, and lets you undo anything it did. We set you up and catch up your past months for free, then AI keeps your books done.

HOW ZERABOOKS DOES THE BOOKS

From the statement to a closed month.

Four parts of one ledger. The AI makes the judgment calls; ZeraBooks does every calculation.

STATEMENTS IN

Upload a statement. It’s categorized as it lands.

Drop in bank and credit card statements as PDF or CSV. ZeraBooks reads every transaction, checks the statement against its own printed opening and closing balances, and places each line in your chart of accounts. Lines it can’t place wait in Uncategorized for you. Only need the spreadsheet? The same reading powers the bank statement converter, included in the subscription.

  • Each statement proven: it adds up, follows the last one, and matches the ledger
  • Categories informed by the business’s own reviewed history
  • Correct one transaction and apply it to similar ones
How to upload a statement
A statement categorized as it lands.

AUTOPILOT

A bookkeeper that works through what’s left.

Each Autopilot pass links vendors and customers, categorizes what the import couldn’t place, approves bills and invoices that pass every check, matches them to their payments, proposes month-end entries and writes a monthly summary. It acts when it’s sure, flags what deserves a glance, and asks you the rest as one-tap questions.

  • Three modes: Cautious, Balanced or Autopilot
  • Every action logged in Done by AI, with Undo
  • Runs when you click Run now or while ZeraBooks is open, never overnight
Everything one Autopilot pass does
Autopilot: what the AI did, one-tap questions, undo.

ASK ZERA

Ask in plain words. Zera does the work.

Ask Zera is the AI bookkeeping agent built into every page. Ask “How is my business doing?” or “I’m six months behind, here are my statements, do my books”, and Zera answers from your books or does the job with the same tools and checks as the pages. Changes apply with an Undo, anything that can’t be undone waits for your approval, and you can switch to Ask first any time.

  • Whole jobs from one message: import, categorize, reconcile and close
  • Figures come from your reports, never from AI arithmetic
  • Remembers what you tell it about the business
What Ask Zera can do

PROOF AND CLOSE

Months that tie. Books you can close.

A month ties when its statement adds up, its opening balance meets the previous closing balance, and the ledger agrees with the printed closing balance. Tied months are signed off and closed so nothing changes by accident. When one doesn’t tie, AI re-reads the statement and proposes a fix for you to apply. That proof is what makes ZeraBooks bank reconciliation software, not just a categorizer.

  • Profit and loss, balance sheet, cash flow and trial balance from the same books
  • Closed periods are locked; reopen one when you need to
How reconciliation works
Tied, signed off and closed.

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

A REAL MONTH

One statement, one sentence, September done

Northgate Landscaping is a fictional lawn care company with one Bank of America account. The owner dropped in September’s statement and wrote: “Can you just do September for Northgate, reconcile it and tell me how the month went?” Ask Zera set up the account, imported all 18 transactions, categorized them and reconciled: $26,718.44 opening, $29,554.05 in, $26,456.01 out, $29,816.48 closing, a $0.00 difference. Then it asked about three lines instead of guessing: a $5,000.00 transfer from savings and two checks with no payee on the statement. That is what Ask Zera looks like on a real month.

A real month done by Ask Zera, read back. Fictional company.
Ask Zera’s summary ends with three items it would not guess: a $5,000.00 transfer from savings and two checks, $880.00 and $1,575.00, asking who each was written to.
Three lines Zera asked about instead of guessing.
Reconciliations for Northgate Landscaping: the Bank of America checking account tied for September 2026, ready to finalize.
September tied to the bank statement.

GUARDRAILS

What the AI never does on its own

Autopilot and Ask Zera change your books only through the same checks as your own edits.

  • Overwrite a category you chose

    If it doubts one, it flags it for you to decide.

  • Delete a possible duplicate charge

    It flags the charge and leaves the decision to you.

  • Touch transfers, payments or a closed month

    Transfers between your accounts, bill and invoice payments, and anything dated in a closed period are left alone.

  • Pay bills or move money

    ZeraBooks records what is owed and matches it to the payments on your statements.

  • Guess what a tax payment was for

    It always asks about payments to the IRS or another tax authority.

  • Do the arithmetic

    Every amount and date is calculated by ZeraBooks. Month-end entries show their calculation in the memo.

THREE WAYS TO KEEP BOOKS

ZeraBooks vs a general AI chatbot vs doing it by hand

A chatbot can talk about your books. AI bookkeeping software keeps them.

FeatureZeraBooksA general AI chatbotSpreadsheet or manual entry
Books of recordDouble-entry general ledger with a chart of accountsNone; works on what you paste or uploadYour spreadsheet or software
Bank statementsPDF or CSV, proven against printed balancesCan read a file, with no balance proofTyped or imported by hand
CategorizingFrom the business’s reviewed history; asks when unsureSuggestions within one conversationBy hand
ArithmeticCalculated by the ledger, never by the AIGenerated by the modelBy hand or formula
Reconciliation and closeStatement proof, sign-off and closed periodsNot built inBy hand
Undo and audit trailEvery AI action logged, with UndoChat historyDepends on your process
ReportsP&L, balance sheet, cash flow, trial balanceWhatever you ask it to draftBuilt by hand

HOW WE COMPARE

How does ZeraBooks compare with Digits, QuickBooks AI and other AI bookkeeping software?

We compared 8 AI bookkeeping and accounting tools on price, trial, what the AI does on its own and what it still leaves to you. ZeraBooks ranks first, and we make it, so every rival fact comes from that vendor's own page with the date we read it. Shopping for a specific situation? See the picks for self-employed people, startups and anyone outgrowing Wave.

THE BASICS, WORKED THROUGH

Bookkeeping guides with real numbers

What the AI does is ordinary bookkeeping. These guides walk through it by hand, so you can check the work.

GET STARTED

How to start AI bookkeeping in ZeraBooks

Setup takes one line about the business and the statements you already have. Moving from QuickBooks? See how ZeraBooks works as a QuickBooks alternative or a Xero alternative and bring your closing balances over.

  1. 1

    Start the 7-day free trial

    Create your account and choose monthly or annual billing. A card is required; nothing is charged for 7 days.

  2. 2

    Tell Zera about the business

    Type the business name and currency, then one line about what the business does.

  3. 3

    Drop in your statements

    Add bank and credit card statements as PDF or CSV. Zera builds your categories, adds each account with its opening balance and imports the statements.

  4. 4

    Answer what only you know

    Zera and Autopilot ask in plain words about anything they can’t tell, such as whether a charge was personal.

  5. 5

    Review and close the month

    Check what the AI did, undo anything you disagree with, and close the months that tie.

QUESTIONS

AI bookkeeping: common questions

Ask Damin directly
Is AI replacing bookkeepers?

The numbers say the work is growing faster than the people to do it. See our accounting and bookkeeping statistics for 2026 and the CPA shortage statistics.

How much does AI bookkeeping software cost compared with other tools?

We priced 13 tools from their own pages in our AI bookkeeping software pricing study. Bills are covered in how to match bills to bank payments.

Can ChatGPT do my bookkeeping?

A general chatbot can explain bookkeeping or suggest categories for a list you paste in, but it doesn’t keep a ledger, prove statements against their printed balances or close months. ZeraBooks uses AI for judgment inside a real double-entry general ledger, and the ledger does every calculation.

How much does AI bookkeeping software cost?

ZeraBooks costs $79 a month billed annually ($948 a year) or $149 billed monthly, in U.S. dollars, after a 7-day free trial. That includes the General Ledger, Autopilot, Ask Zera and the Converter; see ZeraBooks pricing for the plans. Prefer not to do it yourself? Our bookkeeping services team does the books for you, from $150 a month.

Is AI bookkeeping accurate?

Accurate enough to trust only if something checks it. In ZeraBooks every statement must add up to its printed opening and closing balances, every month must tie to the bank, and the AI never does arithmetic: the ledger does. When the AI isn’t sure of a category it asks you. For what a person should still look at before closing, see the month-end close checklist.

Will AI replace bookkeepers?

AI now handles much of the routine work: reading statements, categorizing, matching payments and drafting month-end entries. Judgment still needs a person: what a payment was for, whether a charge was personal, and signing off the numbers. ZeraBooks is built that way. It asks instead of guessing and keeps every action reversible.

Does ZeraBooks connect to my bank?

No. ZeraBooks works from the bank and credit card statements you upload as PDF or CSV. Each statement is checked against its own printed opening and closing balances, so you know nothing is missing.

How sure does the AI have to be before it acts?

It depends on the mode and the risk. In Autopilot mode, ZeraBooks acts on a low-risk decision such as a category at 85% confidence or more; in Cautious mode it needs 97%. In Balanced and Cautious modes, high-risk steps such as closing a month or sending a payment reminder always ask first.

Can I undo what the AI did?

Yes. Every AI action is listed under Done by AI in Autopilot with an Undo button. The exceptions are merged records and reminder emails that were already sent.

Can I use it for my clients’ books?

Yes. ZeraBooks is also accounting software for accountants: each client is its own company with its own chart of accounts, categorization history and reports, and you switch between clients from one login.

Is my data shared with other companies?

No. Zera works only in the company you have open, reads data only through ZeraBooks’ own tools, and what you teach it stays with that company. Text inside a document is treated as data, never as an instruction.

Sources and further reading

  1. AI bookkeeping tools: published pricing (ZeraBooks on GitHub)
Damin Mutti, founder of ZeraBooks

About the author

Damin Mutti

Founder of ZeraBooks, Vancouver

Damin founded ZeraBooks in 2025 and still talks to the bookkeepers, firms and owners who use it every week. He writes about what he sees in their statements and ledgers, and every page here is checked against the live product before it goes up.

FREE SETUP + CATCH-UP

Let the AI do the books.
Free for one week.

Upload last month’s statements and watch them become categorized, reconciled books. Then $79 a month billed annually, or $149 monthly.

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