UAE & Saudi Arabia
ZeroFin in the UAE and Saudi Arabia: what works today
Yes, you can use ZeroFin in Dubai, Abu Dhabi, Riyadh or Jeddah today for AI-assisted bookkeeping and plain-English answers about your cash, burn and runway, with your books kept in AED or SAR. ZeroFin is not on the FTA's software register, is not an accredited UAE e-invoicing provider and is not in ZATCA's directory, so issue your VAT invoices through a compliant invoicing or e-invoicing solution and use ZeroFin for your books and your numbers.
Last checked · Zerofin LLC
Can I use ZeroFin in Dubai or Riyadh?
Yes. When you sign up, choose the United Arab Emirates or Saudi Arabia as your country and AED or SAR as your base currency. The features in the table below all work for UAE and Saudi companies. The product is in English only, and prices are in US dollars.
ZeroFin is accounting software for startups and small businesses. It does two jobs. ZeroFin Mr. Accountant turns messages, photos, PDFs and voice notes into draft journal entries, bills and invoices for you to review and approve. ZeroFin Mr. CFO answers questions about your finances using your own ledger.
| Feature | What it does | Plans |
|---|---|---|
| ZeroFin Mr. Accountant | Drafts journal entries, bills and invoices from text, photos, PDFs and voice notes, for you to review and approve | All plans (100, 1,000 or 5,000 AI transactions a month) |
| ZeroFin Mr. CFO | Answers questions about cash, burn, runway, profit and loss, receivables, payables and VAT balances from your own ledger | All plans (10, 100 or 300 questions a month) |
| Books in AED or SAR | Double-entry ledger with profit and loss, balance sheet, cash flow statement and trial balance in your base currency | All plans |
| Your own VAT rates | Set up 5% (UAE) or 15% (Saudi Arabia) and apply it per line or per item. Output VAT and recoverable input VAT post to separate accounts | All plans |
| Historical rebuild | Import past bank statements and ledger exports (PDF, Excel .xlsx or CSV) and review the drafted entries before they post | Growth and up |
| Briefings | Daily, weekly and monthly summaries of your numbers by email and in the app | Growth and up |
| API | REST API with API keys | Growth and up |
Two limits to know before you start: your financial year can end in December or June today, and ZeroFin has no Arabic interface.
Is ZeroFin FTA-approved or ZATCA-compliant?
No. ZeroFin is not on any UAE or Saudi government list for accounting or e-invoicing software, and it does not issue UAE or Saudi e-invoices. This is where it stands as of the date at the top of this page:
| Check | ZeroFin today | What it means for you |
|---|---|---|
| FTA Tax Accounting Software Register (UAE) | Not listed | The FTA lists vendors who declare that their software meets its requirements. It says a listing is not an endorsement. |
| Accredited e-invoicing service provider (UAE Ministry of Finance list) | No | Only accredited providers can exchange e-invoices in the UAE. You will need one by your deadline. |
| ZATCA e-invoicing solution providers directory (Saudi Arabia) | Not listed | ZATCA says its directory is not an approval of any solution. |
| ZATCA Phase 1 or Phase 2 invoices (QR code, Fatoora integration) | No | Issue Saudi tax invoices from a ZATCA-compliant solution. |
| UAE VAT return (Form 201) report or FTA Audit File | No | Your accountant or tax agent prepares returns from your records. |
| Arabic interface, invoices or records | No | Saudi VAT rules require records and tax invoices in Arabic. |
A note on "approved" software
Neither list is a certification. The FTA's guidelines say a listing on its register is not an endorsement, and ZATCA says its directory is not an approval. Treat any vendor that calls itself "FTA-approved" or "ZATCA-certified" with care.
What are the e-invoicing deadlines?
In the UAE, most businesses must appoint an accredited e-invoicing provider by 31 March 2027 and go live by 1 July 2027. In Saudi Arabia, the last announced wave must connect to ZATCA's Fatoora platform by 1 February 2027.
| Who | Deadline | Rule |
|---|---|---|
| UAE, revenue of AED 50 million or more | Appoint an accredited provider by 30 October 2026; go live by 1 January 2027 | Ministerial Decision 66 of 2026 |
| UAE, revenue under AED 50 million | Appoint an accredited provider by 31 March 2027; go live by 1 July 2027 | Ministerial Decision 244 of 2025 |
| UAE, businesses that sell only to consumers (B2C) | Outside the e-invoicing system until the Minister decides otherwise | Ministerial Decision 244 of 2025 |
| Saudi Arabia, every VAT-registered resident business | Invoices must already come from a compliant e-invoicing solution (Phase 1, since 4 December 2021) | ZATCA E-Invoicing Implementation Resolution |
| Saudi Arabia, Wave 25: VAT-able revenue above SAR 187,500 in any year from 2022 to 2025 | Connect your e-invoicing solution to Fatoora by 1 February 2027. ZATCA notifies each business in the wave | ZATCA announcement, July 2026 |
A PDF is not an e-invoice
The UAE Ministry of Finance says PDFs, Word documents, images, scanned copies and emails are not e-invoices. From your go-live date, B2B and B2G invoices must be exchanged through an accredited provider.
How do I use ZeroFin alongside an e-invoicing provider?
You issue sales invoices from your e-invoicing provider and keep your books and management numbers in ZeroFin. ZeroFin does not connect to any e-invoicing provider yet, so moving invoices across is a manual step today.
- 1
Pick a provider
Use the UAE Ministry of Finance list of accredited providers, or ZATCA's directory in Saudi Arabia. Some providers, such as EDICOM, Pagero, ClearTax and Cygnet, appear on both lists.
- 2
Issue sales invoices there
Your provider handles the UAE exchange network or ZATCA clearance, the required fields and the Arabic text in Saudi Arabia.
- 3
Record them in ZeroFin
Send the invoice to ZeroFin Mr. Accountant as a PDF or a short message. It drafts the entry with VAT on separate accounts, and you approve it.
- 4
Ask ZeroFin Mr. CFO about the numbers
Ask about cash, burn, runway, overdue receivables or your VAT balance, in plain English, in AED or SAR.
Where is my data stored?
ZeroFin is hosted in the United States, on Amazon Web Services and Google Cloud. It is not hosted in the UAE or Saudi Arabia.
This matters most in Saudi Arabia. The VAT Implementing Regulations say records must be kept in the Kingdom, either physically or on a system that can be reached from there, and in Arabic. Keep your original invoices and records where your adviser says they need to be, and ask a Saudi adviser before you rely on any foreign-hosted system as your only record.
How much does ZeroFin cost in AED and SAR?
Plans start at $8 a month, about AED 29 or SAR 30. You are billed in US dollars; the AED and SAR figures are approximate, at the fixed US dollar pegs of 3.6725 and 3.75.
| Plan | Per month (USD) | About AED | About SAR | Includes each month |
|---|---|---|---|---|
| Lite | $8 | AED 29 | SAR 30 | 1 user, 250 transactions, 100 AI transactions, 10 Mr. CFO questions |
| Growth | $25 | AED 92 | SAR 94 | 3 users, unlimited transactions, 1,000 AI transactions, 100 Mr. CFO questions, historical rebuild, briefings, API |
| Scale | $50 | AED 184 | SAR 188 | 10 users, unlimited transactions, 5,000 AI transactions, 300 Mr. CFO questions |
| Enterprise | Custom | Custom | Custom | Volume pricing; contact us |
Yearly billing costs 10 times the monthly price, so you get two months free. Every new organization gets one free month of the Lite plan. See all plans.
Who is behind ZeroFin?
ZeroFin is made by Zerofin LLC, a company formed in New Mexico, USA, in 2025. Support: support@zerofin.io or +1 (505) 509-0979. ZeroFin (zerofin.io) is not connected to other companies with similar names. More on the About page.
Guides for the UAE and Saudi Arabia
| Guide | The question it answers |
|---|---|
| AI CFO software for UAE startups | Can software answer my CFO questions in AED? |
| AI CFO software for Saudi startups | Can software answer my CFO questions in SAR? |
| ZeroFin Mr. Accountant for the UAE and Saudi Arabia | How does an AI bookkeeper handle AED, SAR and VAT? |
| Catch-up bookkeeping before UAE Corporate Tax | How do I rebuild past years of books? |
| AI accounting software in the UAE | Which UAE accounting tools use AI, and what does each one do? |
| AI accounting software in Saudi Arabia | Which Saudi accounting tools use AI, and which are in ZATCA's directory? |
| ZeroFin vs Zoho Books | How do ZeroFin and Zoho Books compare? |
| ZeroFin vs Wafeq | How do ZeroFin and Wafeq compare? |
| ZeroFin vs Xero | How do ZeroFin and Xero compare? |
| Startup runway calculator | How many months of cash do I have, in AED, SAR or USD? |
| Prepare your books for UAE Corporate Tax | What do my books need before I file? |
What ZeroFin does not do in the UAE and Saudi Arabia
- It is not on the FTA's Tax Accounting Software Register.
- It is not an accredited UAE e-invoicing service provider and does not connect to one yet.
- It is not in ZATCA's e-invoicing directory and does not issue ZATCA Phase 1 or Phase 2 invoices.
- It does not prepare UAE VAT returns, the FTA Audit File, Corporate Tax returns or zakat returns, and it does not file anything for you.
- It has no Arabic interface, invoices or records.
- It is hosted in the United States, not in the UAE or Saudi Arabia.
- It is software, not a tax agent or accounting firm.
Frequently asked questions
Can I use ZeroFin in Dubai or Riyadh?
Yes. Choose the UAE or Saudi Arabia at sign-up and keep your books in AED or SAR. Use ZeroFin for bookkeeping and management numbers, and a compliant solution for VAT invoices and e-invoices.
Is ZeroFin FTA-approved or ZATCA-compliant?
No. ZeroFin is not on the FTA's software register, is not an accredited UAE e-invoicing provider and is not in ZATCA's e-invoicing directory.
Does ZeroFin issue UAE or Saudi e-invoices?
No. Issue e-invoices through an accredited UAE provider or a ZATCA-compliant solution, then record them in ZeroFin.
Can I keep my books in AED or SAR?
Yes. Choose AED or SAR as your base currency when you set up your organization.
Is ZeroFin available in Arabic?
No. ZeroFin is in English only.
Where is ZeroFin's data hosted?
In the United States, on Amazon Web Services and Google Cloud.
How much does ZeroFin cost in AED?
From $8 a month, about AED 29 or SAR 30. Billing is in US dollars, and every new organization gets one free month of Lite.
Sources
- UAE Ministry of Finance: Ministerial Decision 66 of 2026 (deadlines for revenue of AED 50 million or more)
- UAE Ministry of Finance: Ministerial Decision 244 of 2025 on implementing e-invoicing
- Federal Tax Authority news, 29 September 2026: e-invoicing deadlines confirmed
- UAE Ministry of Finance: e-invoicing programme (what is and isn't an e-invoice)
- UAE Ministry of Finance: accredited e-invoicing service providers
- Federal Tax Authority: Tax Accounting Software Register
- ZATCA: Wave 25 of e-invoicing integration
- ZATCA: e-invoicing roll-out phases
- ZATCA: E-Invoicing Implementation Resolution
- ZATCA: e-invoicing solution providers directory
- ZATCA: VAT Implementing Regulations (Article 66, records)
Try ZeroFin with your own AED or SAR books
Every new organization gets one free month of the Lite plan. Prices are in US dollars, billed monthly or yearly.