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ZE

AI bookkeeping that categorizes, reconciles, and closes your books

ZeraBooks is cloud accounting software that uses AI to read uploaded bank and card statements, categorize transactions, and reconcile each month in a double-entry ledger. Its Ask Zera agent can carry out bookkeeping jobs from a plain-language request, while leaving uncertain or irreversible actions for your review.

Agenticness = how independently a tool can take action, scored across 9 dimensions. Scored independently by David Kooi, Skylark Creations — see full rubric → Last re-evaluated 14 November 2026.

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Paid
Web
File Access
Memory
Cloud Hosted
Semi-Autonomous
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About

What It Is

ZeraBooks is an AI bookkeeping and accounting platform for businesses that want to keep books current without manually processing every bank-statement line. It combines a double-entry general ledger with a statement converter and produces core financial reports from the same reconciled books.

What to Know

This is meaningfully agentic within a narrow accounting workflow: it can perform multi-step import, categorization, matching, reconciliation, and month-close work, but it is not a general-purpose business agent. Its operating model is deliberately...

Key Features
Imports bank and credit-card statements in PDF or CSV format
Reads statement transactions and categorizes lines into the chart of accounts
Validates statement totals, opening balances, closing balances, and ledger agreement
Matches bills and invoices to payments
Runs Autopilot passes in Cautious, Balanced, or Autopilot modes
Use Cases
Catch up several months of bookkeeping by uploading historical bank statements and asking Zera to process and reconcile them
Process a monthly bank or card statement, review uncertain classifications, and close the period once it ties to the bank balance
Match customer payments to invoices and supplier payments to bills before reviewing month-end entries
Agenticness: Guided Assistant

Executes tasks you assign, one step at a time, within narrow domains.

High evidence
Last evaluated: Nov 14, 2026

Dimension Breakdown

Action Capability
Autonomy
Planning
Adaptation
State & Memory
Reliability
Interoperability
Safety
Operator Sovereignty

Categories

Pricing
  • ZeraBooks ($79/month, billed annually): $948 per year; includes the General Ledger, Converter, 12,000 converter pages per year, and 3 client companies. Additional clients cost $290/year.
  • ZeraBooks ($149/month): Monthly-billed option; page allowance details were not included in the crawled excerpt.
  • ZeraBooks 2,500 ($179/month, billed annually): $2,148 per year; includes 30,000 converter pages annually.
  • Free setup + catch-up: Included with software; ZeraBooks says it will set up accounts and catch up up to the last 12 months.
  • Done-for-you bookkeeping: Separate service starting at $150/month.
  • 7-day trial: Card required; no charge for the first seven days.
Details
AddedNovember 14, 2026
RefreshedNovember 14, 2026
Agenticness
Quick Facts
DeploymentCloud-hosted
AutonomySemi-autonomous
Model supportSingle model
Open sourceNo
Team supportSmall team
Pricing modelSubscription
Interfacechat, gui
Sources
Last updated November 14, 2026
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