ZipBooks vs QuickBooks: Compare Features & Pricing | Fit Small Business

ZipBooks vs QuickBooks: Compare Features & Pricing

ZipBooks is more affordable than QuickBooks Online, with a free plan and more affordable paid subscription options. However, QuickBooks is reasonably priced, has many more features than ZipBooks, and is a better all-around bookkeeping system. We recommend QuickBooks over ZipBooks for most small businesses because it features missing in ZipBooks, such as inventory management, a…

Dec 11, 2023
14 minute read

ZipBooks is more affordable than QuickBooks Online, with a free plan and more affordable paid subscription options. However, QuickBooks is reasonably priced, has many more features than ZipBooks, and is a better all-around bookkeeping system. We recommend QuickBooks over ZipBooks for most small businesses because it features missing in ZipBooks, such as inventory management, a mobile app, and integrated payroll.

After thoroughly evaluating ZipBooks vs QuickBooks, we found that:

  • ZipBooks is adequate for service-based small businesses and freelancers that need an easy-to-use and affordable solution for income and expense tracking
  • QuickBooks Online is more suitable for most businesses, especially those with inventory


ZipBooks logo.QuickBooks logo.
Fit Small Business Rating 3.3 ★4.3 ★
Monthly Pricing$0 to $35; custom pricing for the Accountant plan$38 to $275
Free Trial30 days for the paid plans30 days
New Customer Discount50% for 3 months; can’t be combined with the free trial
Key Features
  • Availability of a free plan
  • Unlimited user support in the Sophisticated plan
  • Built-in time tracking system
  • Affordable assisted bookkeeping services
  • Income and expense tracking by class and location
  • Inventory accounting
  • Accounts payable (A/P) and accounts receivable (A/R) Management
  • Mobile accounting application
  • Built-in time tracking system
Ease of Sharing With External AccountantsInvitation can be easily sent via emailInvitation can be easily sent via email
ScalabilitySupports unlimited users in Sophisticated and Accountant plansSupports 25 users in the highest tier, Advanced
Mobile AppiOS and Android; has most of the features of the desktop app
Ease of UseEasy, but lacks some time-saving features like transaction entry shortcutsEasy; has shortcut buttons for quicker data entry
Average Rating on Third-party Sites4.6[1][2]4.3[3][4]

Visit ZipBooksVisit QuickBooks Online

Use Cases and Pros & Cons

  • Companies or freelancers looking for free accounting software: ZipBooks’ Starter plan is free for one user and one bank account connection. It is ideal for solopreneurs and freelancers needing to keep track of invoices and bills. With it, you get unlimited invoicing and billing for your business. In contrast, QuickBooks Online lacks a free subscription tier.
  • Multicompany accounting: QuickBooks Online only offers a single-entity plan, meaning you can’t manage multiple organizations under one plan. With ZipBooks Sophisticated, you can track the bookkeeping for multiple organizations.
  • Accountants with clients using ZipBooks: ZipBooks offers a plan for certified public accountants (CPAs) and bookkeepers to help assist their clients. The Accountant plan is custom-priced and includes unlimited users and bank account connections. It also has co-branding features to help distinguish your bookkeeping company from your competitors.

Overall Score: 3.30 / 5

RATING CRITERIAPricing
4.80 out of 5
General
4.50 out of 5
Banking
3.30 out of 5
Accounts Payable (A/P)
3.80 out of 5
Accounts Receivable (A/R)
3.90 out of 5
Inventory Management
1.10 out of 5
Project Accounting
3.30 out of 5
Sales Tax Management
3.50 out of 5
Mobile App
0.00 out of 5
Reporting
4.40 out of 5
Integrations
4.00 out of 5
Ease of Use
3.60 out of 5
Customer Support
2.10 out of 5
User Reviews
4.60 out of 5

Pros

  • Offers a free plan for a single user
  • Lets you send unlimited invoices in all its plans
  • Allows you to set up automated payment reminders
  • Has more affordable plans than most other similar software

Cons

  • Doesn’t allow you to customize chart of accounts in the free and entry-level paid plan
  • Has a free plan that’s a bit limited, such as doesn’t allow you to customize your chart of accounts
  • Doesn’t let you print checks and generate reconciliation reports
  • Doesn’t track the costs of inventory and the COGS

Read our ZipBooks review


Read our ZipBooks review

Visit ZipBooks

Still can’t decide? If you need additional recommendations, check out our roundup of the best small business accounting software.

Fit Small Business Case Study

When comparing ZipBooks and QuickBooks using our internal case study, we looked into several factors, including features, pricing, ease of use, and customer support. The chart below sums up our findings.

Case Study for ZipBooks vs QuickBooks Online


Touch the graph above to interact Click on the graphs above to interact

  • ZipBooks From free; tested at $35 monthly (Sophisticated)
  • QuickBooks Online Starting at $30 per month; tested at $90 monthly (Plus)

ZipBooks stands out in pricing and user reviews, but QuickBooks Online wins in all the other categories. We explain the details in the pricing and feature discussions that follow.

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User Reviews: ZipBooks


ZipBooksQuickBooks Online
Average Rating on Third-party Sites4.6[1][2]4.3[3][4]
Users Like
  • Intuitive user interface (UI)
  • Free plan supports unlimited transactions and customers
  • Affordable paid plans
  • Easy to use
  • Enhanced accounting features, such as A/P and A/R
  • Has robust reporting capabilities
Users Dislike
  • Free plan is a bit limited
  • Invoices are not that customizable
  • Inefficient customer support
  • Takes too many steps to perform tasks like check printing

Most of the ZipBooks reviews we found online are positive, which isn’t surprising given that it’s a simple software. QuickBooks Online has many features, and it has more aspects to be critiqued than ZipBooks. ZipBooks wins because it does score higher, but it’s worth noting that it has far fewer reviews than QuickBooks Online.

One user is delighted that ZipBooks has an intuitive user interface, so they were able to get started with the program quickly. We agree that it’s easy to use, but we hope that the provider considers adding a shortcut button in the dashboard for quicker recording of transactions.

Moreover, some like that ZipBooks’ free plan supports an unlimited number of transactions and customers, while others shared that even the paid plans are more affordable than most other similar software. Businesses that need only one accounting user and have basic accounting needs will appreciate the free plan, but if you require multiple users and advanced features, you should consider upgrading to a paid subscription.

Aligning with our insights above, some reviewers complain that the free plan has many missing basic functionality. Some features missing in the free plan include recurring invoicing and the ability to customize the chart of accounts. Also, one user said that they’re frustrated that there isn’t that much room for invoice customizations. I explored the invoicing feature, and I wasn’t that impressed because I was unable to change the basic layout of the invoice template.

As of this writing, here’s how ZipBooks is rated on major review websites:

  • G2.com[1]: 4.7 out of 5 based on about 90 reviews
  • GetApp[2]: 4.5 out of 5 based on over 100 reviews

Many users commended QuickBooks Online for its simple and intuitive user interface. We are also impressed with the interface and like that the dashboard has shortcut buttons unlike in ZipBooks. Moreover, many reviewers appreciate its extensive accounting feature set and its robust reporting capability.

Based on our in-depth analysis, QuickBooks’ most notable features are banking, A/P and A/R management, and inventory tracking. We also concur that it has excellent reporting features, especially with the Plus and Advanced versions.

Meanwhile, most of the negative feedback we found are attributed to its unresponsive and inefficient customer support. Based on my personal experience, I would say that its customer support can be a hit-or-miss. Sometimes I get the right person, but on other occasions, I get transferred multiple times before getting the assistance I need.

On a tangent, one user complained that it takes too many steps to perform some tasks, like printing a check. This reviewer might be new to the QuickBooks platform. In my perspective, I believe check printing is pretty intuitive, especially if you’ve already done it a couple of times.

Here are the average ratings of QuickBooks Online on top review sites:

  • Capterra[3]: 4.3 out of 5 based on about 6,400 reviews
  • G2.com[4]: 4.0 out of 5 based on around 3,200 reviews

Pricing: ZipBooks Wins


ZipBooksQuickBooks Online
Fit Small Business Score4.8 out of 53 out of 5
Monthly Pricing
  • $0 (Starter)
  • $15 (Smarter)
  • $35 (Sophisticated)
  • Custom (Accountant)
  • $38 (Simple Start)
  • $75 (Essentials)
  • $115 (Plus)
  • $275 (Advanced)
Number of Users
  • 1 (Starter)
  • 5 (Smarter)
  • Unlimited (Sophisticated)
  • Unlimited (Accountant)
  • 1 (Simple Start)
  • 3 (Essentials)
  • 5 (Plus)
  • 25 (Advanced)
Free Trial30 days30 days
Free Plan
New Customer Discount50% for 3 months; can’t be combined with the free trial

ZipBooks is a budget choice because of its free version and low-priced plans, while QuickBooks Online is more expensive, being the industry leader in advanced accounting features. ZipBooks is the winner based purely on price because its free plan is ideal for freelancers, while its highest plan is suitable for small businesses with basic accounting needs.

We compare QuickBooks Online’s plans to help you decide which is right for you.

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Features: QuickBooks Online Wins


ZipBooksQuickBooks Online
Fit Small Business Score3.9 out of 55 out of 5
Create & Send Invoices
Upload Logo to Your Invoice
Email & Print Invoices
Track Outstanding Invoices
Generate Recurring Invoices
Accept Short Payments From Customers
Choose From Different Invoice Templates
Change Invoice Colors
Calculates Sales Tax Rate Based on Customer Address

We awarded QuickBooks Online the winner in banking because it allows you to upload your files of transactions manually, which is useful if you don’t want to connect your bank account to your accounting software. Another advantage is that it allows you to print checks, which is great if you’re paying your vendors regularly by checks.


ZipBooksQuickBooks Online
Fit Small Business Score3.9 out of 55 out of 5
Create & Send Invoices
Upload Logo to Your Invoice
Email & Print Invoices
Track Outstanding Invoices
Generate Recurring Invoices
Accept Short Payments From Customers
Choose From Different Invoice Templates
Change Invoice Colors
Calculates Sales Tax Rate Based on Customer Address

Invoices in QuickBooks Online are more customizable than those in ZipBooks. QuickBooks Online lets you choose from different templates and change invoice colors, which is impossible with ZipBooks.

Also, a standout feature of QuickBooks Online is the ability to calculate the total tax rates automatically to apply to an invoice based on your customer’s address, which is great if you’re collecting taxable payments from different states. This feature makes QuickBooks Online our overall best invoicing software.


ZipBooksQuickBooks Online
Fit Small Business Score3.8 out of 55 out of 5
Track Unpaid Bills
Store & Manage Vendor Information
Create Recurring Expenses
Track Payments to Independent Contractors
Short Pay an Invoice
Capture Expense Receipts
Record POs
Record Vendor Credits

QuickBooks Online takes the lead in A/P management because you can upload expense receipts from your mobile device using the mobile app. The program captures the information automatically and attaches it to an existing transaction or lets you create a new one. Additionally, if you often need to issue POs and vendor credits, then QuickBooks Online is preferable.


ZipBooksQuickBooks Online
Fit Small Business Score3.3 out of 54.3 out of 5
Create an Estimate
Convert Estimate to an Invoice
Create Projects
Track Time
Record Actual Inventory Used in Project
Compare Estimated vs Actual CostsAvailable only in Advanced

QuickBooks Online is also better than ZipBooks when it comes to project accounting, as it allows you to track inventory used in your projects. And while both programs allow you to create an estimate, only QuickBooks lets you convert that estimate into an invoice once it’s approved. Another important feature available in QuickBooks Online Advanced is the ability to compare estimated vs actual project costs, which is useful for tracking project profitability.


ZipBooksQuickBooks Online
Fit Small Business Score1.1 out of 54.9 out of 5
Set Up an Inventory Item
View Inventory Available
Adjust Inventory Levels
Set Reorder Points
Generate Inventory Reports

If your business sells products, you’ll prefer QuickBooks over ZipBooks. ZipBooks allows you to create an inventory item to be added to bills and invoices, but it doesn’t allow you to track inventory. QuickBooks, on the other hand, allows you to monitor the quantity of your products in real time, adjust inventory based on sales and purchases, run inventory reports, and more.

Most importantly, QuickBooks automatically tracks COGS, whereas ZipBooks does not. ZipBooks users with inventory will have to keep track of inventory costs in a spreadsheet or similar tool to comply with the tax rules for deducting inventory costs.

Integrations: QuickBooks Online Wins


ZipBooksQuickBooks Online
Fit Small Business Score4 out of 55 out of 5
Approximate Number of Integrations Available12800+
Payroll Integration
Time Tracking Integration
Electronic Bill Pay Integration

QuickBooks Online wins because it offers a vast number of integrations, as compared to ZipBooks. In contrast, ZipBooks lacks some important integrations, including electronic bill payment—which is important for businesses dealing with many vendors and suppliers. If integration is an essential part of your business requirements, then QuickBooks Online is the clear choice.

QuickBooks Online integrates with over 800 apps, including:

  • QuickBooks Workforce
  • QuickBooks Time
  • BILL
  • Melio
  • PayPal
  • HubSpot
  • Gusto
  • Expensify
  • Square Payroll
  • LeanLaw
  • TimeRewards
  • Homebase

In contrast, ZipBooks currently has 12 integrations. These include:

  • Asana
  • Slack
  • Google Drive
  • Google Workspace
  • PayPal
  • Square Appointments
  • Square POS
  • Square for Retail
  • Square Payments
  • Spiceworks Network Monitor
  • GrandMaster Suite
  • eNETEmployer
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Mobile App: QuickBooks Online Wins


ZipBooksQuickBooks Online
Fit Small Business Score0 out of 53 out of 5
Create & Send Invoices
Receive Payments
Capture Expense Receipts
Enter Bills
View Reports

ZipBooks currently doesn’t offer a mobile app, but it can still be accessed through the browser of any device. Meanwhile, QuickBooks’ most useful mobile features are invoicing and receipt scanning. The invoicing feature shows all of your customer’s details, including directions and maps to find your way to their business. You can use it to enter transactions, record expenses, invoice customers, and send reports anywhere.

Ease of Use: QuickBooks Online Wins


ZipBooksQuickBooks Online
Fit Small Business Score3.6 out of 54.2 out of 5
AccessibilityCloudCloud
Ease of SetupEasyEasy
Assisted Setup
Customizable Dashboard
Transaction Entry Shortcuts

Both ZipBooks and QuickBooks are generally easy to use and set up, but we give the win to QuickBooks Online because it provides more time-saving features, such as a shortcut button for entering new transactions. We’d like to see ZipBooks add a new shortcut feature like an Add New button to the dashboard. New subscribers to QuickBooks Online will be provided a free meeting with a QuickBooks ProAdvisor to set up your books and connect your banks.

Customer Support: QuickBooks Online Wins


ZipBooksQuickBooks Online
Fit Small Business Score2.1 out of 53.8 out of 5
Self-help Resources
Live Chat
Phone SupportCallback only
Email Support
User Community

With ZipBooks, the best way to contact a support agent for urgent issues is through live chat. This may be sufficient in many situations, but there will be instances where phone support is crucial. QuickBooks Online, on the other hand, offers phone support (callback). You have to send a request first and wait for a call from QuickBooks. This approach isn’t as immediate as direct phone support, but the ability to communicate over the phone is still helpful for users. This makes QuickBooks Online the winner in this category.

How We Evaluated ZipBooks vs QuickBooks Online

Our ZipBooks vs QuickBooks comparison is based on our internal case study. Below is a breakdown of the scoring criteria: ​​ #pricing-chart-2237965 .fit-rubric-pie { background: conic-gradient( #000000 0deg,#000000 18deg,#dfdfdf 18deg,#dfdfdf 360deg ); } #general-features-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 18deg,#5bb3ed 18deg,#5bb3ed 43.2deg,#dfdfdf 43.2deg,#dfdfdf 360deg ); } #banking-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 43.2deg,#005389 43.2deg,#005389 68.4deg,#dfdfdf 68.4deg,#dfdfdf 360deg ); } #a-p-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 68.4deg,#3c94ce 68.4deg,#3c94ce 93.6deg,#dfdfdf 93.6deg,#dfdfdf 360deg ); } #a-r-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 93.6deg,#c3e7ff 93.6deg,#c3e7ff 118.8deg,#dfdfdf 118.8deg,#dfdfdf 360deg ); } #inventory-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 118.8deg,#7cb1d4 118.8deg,#7cb1d4 154.8deg,#dfdfdf 154.8deg,#dfdfdf 360deg ); } #project-accounting-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 154.8deg,#164c70 154.8deg,#164c70 190.8deg,#dfdfdf 190.8deg,#dfdfdf 360deg ); } #tax-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 190.8deg,#5990b5 190.8deg,#5990b5 205.2deg,#dfdfdf 205.2deg,#dfdfdf 360deg ); } #reporting-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 205.2deg,#82bee6 205.2deg,#82bee6 219.6deg,#dfdfdf 219.6deg,#dfdfdf 360deg ); } #ease-of-use-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 219.6deg,#263c48 219.6deg,#263c48 327.6deg,#dfdfdf 327.6deg,#dfdfdf 360deg ); } #mobile-app-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 327.6deg,#3d4f74 327.6deg,#3d4f74 345.6deg,#dfdfdf 345.6deg,#dfdfdf 360deg ); } #user-reviews-chart-2237965 .fit-rubric-pie { background: conic-gradient( #dfdfdf 0deg,#dfdfdf 345.6deg,#608abc 345.6deg,#608abc 360deg ); }

Methodology weights
Pricing 5%
General Features 7%
Banking 7%
A/P 7%
A/R 7%
Inventory 10%
Project Accounting 10%
Tax 4%
Reporting 4%
Ease of Use 30%
Mobile App 5%
User Reviews 4%

In evaluating pricing, we considered the billing cycle (monthly or annual) and number of users.

This section focuses more on first-time setup and software settings. The software must be quick and easy to set up for new users. Even after initial setup, the software must also let users modify information like company name, address, entity type, fiscal year-end, and other company information.

The banking section of this case study focuses on cash management, bank reconciliation, and bank feed connections. The software must have bank integrations to automatically feed bank or card transactions. The bank reconciliation module must also let users reconcile accounts with or without bank feeds for optimal ease of use. Lastly, the software must generate useful reports related to cash.

The A/P section focuses on vendor management, bill management, bill payments, and other payable-related transactions. A/P features include creating vendors and bills, recording purchase orders and converting them to bills, creating service items, and recording full or partial bill payments.

This takes into account customer management, revenue recognition, invoice management, and collections. The software must have A/R features that make it easy for users to collect payments from customers, remind customers of upcoming or overdue invoices, and manage customer obligations through analytic dashboards or reports.

Businesses with inventory items should choose accounting software that can track inventory costs, manage cost of goods sold (COGS), and monitor inventory units.

Service or project-based businesses should choose accounting software that can track project costs, revenues, and profits. The software must have tools to track time, record billable hours or expenses, send invoices for progress billings, or monitor project progress and performance.

In this section, we’re looking at sales tax features. The software must have features that allow users to set sales tax rates, apply them to invoices, and enable users to pay sales tax liability.

Reports are important for managers, owners, and decision-makers. The software must have enough reports that can be generated with a few clicks. Moreover, we’d also like to see customization options to enable users to generate reports based on what they want to see.

Ease of use gets the highest weight in this case study because we want to give more credit to easy accounting software. For this section, we considered customer service, support network, and a subjective expert opinion score. Users must have easy access to customer service channels in case of problems, questions, or assistance. Support network refers to a community of software users that can extend professional help to businesses. Having an independent software expert perform the bookkeeping is good for overall ease of use. Lastly, our expert opinion score is our subjective rating based on our experience in trying the software.

The software must also have a mobile app to enable users to perform accounting tasks even when away from their laptops or desktops.

We went to user review websites to read first-hand reviews from actual software users. This user review score helps us give more credit to software products that deliver a consistent service to their customers.

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Frequently Asked Questions (FAQs)

ZipBooks has a free plan, and QuickBooks Online doesn’t. Also, QuickBooks Online is more feature-rich, as it includes inventory accounting and a mobile accounting app.

ZipBooks might be better for freelancers or very small businesses without inventory that are on a tight budget and are primarily concerned with compiling income and expenses for a tax return.

Yes, and the best alternative depends on your needs. If you prefer a desktop-based solution, you should consider QuickBooks Desktop. If you want a free alternative, Wave is a great choice. Find more solutions in our roundup of the best small business accounting software.

Bottom Line

Considering the low price of ZipBooks, it’s remarkable how well it stacks up against QuickBooks Online. If you need to keep your costs low, ZipBooks can handle the basic functions that you need for business accounting, unless you sell physical products and need to track inventory. Overall, however, QuickBooks Online takes the lead for its depth of functionality, reporting, and customer support. We recommend it for most small businesses, especially those with inventory.

Visit QuickBooks Online


User review references:

[1]G2.com | ZipBooks
[2]GetApp | ZipBooks
[3]Capterra | QuickBooks Online
[4]G2.com | QuickBooks Online

Mark Calatrava

Mark Calatrava is an accounting expert for Fit Small Business. He has covered more than 50 accounting software for small businesses and niche industries and has developed an in-depth knowledge of the important features of accounting software, including how the importance of these features vary by business. As a QuickBooks ProAdvisor, Mark has extensive knowledge of QuickBooks products, allowing him to create valuable content that educates businesses on maximizing the benefits of the software.

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