I give ZipBooks a solid 4.2 out of 5. I recently tested ZipBooks, a straightforward accounting tool built for small businesses and freelancers craving simplicity. Here's my hands-on review after using it for invoicing and expense tracking: ZipBooks shines with its free starter plan that handles unlimited invoices, basic reports, and bank connections without any cost. I loved how fast it is to create professional invoices, accept payments via credit card, and track time or projects, all from a clean web interface that works great on mobile apps too. The tiered plans (up to $35/month) unlock smarter features like advanced reporting and automation, perfect for growing teams. Setup took minutes, and their API lets you integrate if needed, though no desktop app or offline mode limits it a bit for on-the-go work without internet. Support via chat and email was responsive during my trial.