In the IncCraft vs ZenBusiness comparison, the $0 headline price is the same and the real totals aren’t. A working Florida LLC through ZenBusiness’s Starter plan costs $522 in the first year once you add a registered agent, operating agreement and EIN. Through IncCraft, it’s $125.
IncCraft vs ZenBusiness at a glance
| Feature | IncCraft | ZenBusiness |
|---|---|---|
| Base formation fee | $0 + state fees | $0 + state fees |
| Florida filing fee | $125 | $125 |
| Registered agent (Year 1) | Included | $199/year extra |
| Registered agent (renewal) | $49/year | $199/year |
| Operating agreement | Included | $99 extra (Starter) |
| EIN filing | Included | $99 extra (Starter) |
| Processing time | 3-5 business days | 7-10 business days |
| Worry-Free Compliance | Not needed | Free Year 1, $199/year after |
What do ZenBusiness’s plans really cost?
The $0 is real, but the checkout adds up quickly.
Starter ($0 + state fees). Includes Articles of Organization filing, a name availability search, Worry-Free Compliance (free the first year, then auto-renews at $199/year) and access to the Velo AI assistant. It doesn’t include a registered agent ($199/year), an operating agreement ($99) or EIN filing ($99). Real first-year cost: $125 + $199 + $99 + $99 = $522.
Pro ($199 + state fees). Adds rush processing (1 business day filing), an operating agreement template, business document templates and a website/domain trial that auto-renews at $15/month. The registered agent ($199/year) and EIN filing ($99) are still extra. Real first-year cost: $199 + $125 + $199 + $99 = $622.
Premium ($349 + state fees). Adds registered agent service, a business advisor consultation and a ZenBusiness Money Pro trial that auto-renews at $30/month. Real first-year cost: $349 + $125 = $474.
Oddly, the top tier is the cheapest way to get everything from ZenBusiness.
What does IncCraft cost?
IncCraft’s Starter plan ($0 + state fees) includes Articles of Organization filing, first-year registered agent service, an operating agreement template, EIN filing assistance, a Florida compliance calendar and document storage. First-year cost: $125.
Pro ($149 + state fees) adds expedited processing (24-48 hours), a banking resolution, membership certificates and priority support, for $274 in the first year.
How much will you pay in year one and after?
| Cost | IncCraft Starter | ZenBusiness Starter |
|---|---|---|
| Formation fee | $0 | $0 |
| State filing fee | $125 | $125 |
| Registered agent | $0 (included) | $199 |
| Operating agreement | $0 (included) | $99 |
| EIN filing | $0 (included) | $99 |
| Total Year 1 | $125 | $522 |
That’s $397 less with IncCraft in the first year. The gap doesn’t close later:
| Annual cost from Year 2 | IncCraft | ZenBusiness |
|---|---|---|
| Registered agent | $49 | $199 |
| Worry-Free Compliance | $0 | $199 |
| Florida annual report | $138.75 | $138.75 |
| Total | $187.75 | $536.75 |
You save $349 a year with IncCraft. The $138.75 annual report is a state fee everyone pays.
What is Worry-Free Compliance, and do you need it?
It’s ZenBusiness’s compliance add-on. It comes free with every plan for the first year, then auto-renews at $199/year unless you cancel. For that money it files your Florida annual report (the state fee is $138.75) and sends compliance reminders.
You don’t need to pay $199 a year to be reminded about a May 1 deadline. IncCraft gives you a Florida compliance calendar with email and SMS deadline alerts and help filing the annual report at no extra charge. If you do sign up with ZenBusiness, put the renewal date in your calendar the day you order.
Worry-Free Compliance isn’t the only renewal to watch:
| ZenBusiness service | Auto-renewal price |
|---|---|
| Worry-Free Compliance | $199/year |
| Website Builder | $15/month ($180/year) |
| ZenBusiness Money Pro | $30/month ($360/year) |
| Pro plan renewal | $199/year |
| Premium plan renewal | $399/year |
IncCraft’s pricing doesn’t depend on trials that turn into subscriptions.
Which is faster?
| Service | Standard | Expedited |
|---|---|---|
| IncCraft | 3-5 business days | 24-48 hours (+$50) |
| ZenBusiness Starter | 7-10 business days | Not available |
| ZenBusiness Pro | 1 business day | Included |
ZenBusiness Pro is the fastest option here, but you pay $199 for it. On the base plans, IncCraft’s 3-5 days beats ZenBusiness Starter’s 7-10.
Registered agent, operating agreement and EIN compared
Registered agent. IncCraft includes it in every plan for the first year, then charges $49/year. You get a Florida address for service of process and same-day document forwarding. ZenBusiness charges $199/year on Starter and Pro and only includes it on Premium ($349). That’s $150 a year more.
Operating agreement. IncCraft includes a template on every plan. ZenBusiness charges $99 on Starter and includes it on Pro and Premium.
EIN. IncCraft includes EIN filing assistance on every plan and helps you get your EIN from the IRS, which doesn’t charge for it. ZenBusiness charges $99 on Starter and Pro and includes it on Premium. Since the IRS number itself is free, that $99 is all service fee.
Banking resolution. This says who can act for the LLC with banks. IncCraft Pro includes one. ZenBusiness offers business document templates on Pro and above.
Does it matter that IncCraft only does Florida?
ZenBusiness runs one platform and one set of templates for all 50 states. IncCraft is built only for Florida, with Sunbiz experience and support staff who know the annual report rules, business tax receipts and local permits. That helps with a single Florida LLC. It doesn’t if you’re forming in several states.
Who should pick ZenBusiness?
ZenBusiness is the better fit if you need the fastest possible filing and will pay for Pro to get it, if you want its business banking integration, or if you plan to use its website builder. Brand recognition is the other reason people choose it.
For everyone else forming a Florida LLC, we’d pick IncCraft. Every service you need is in the $125 first-year price, and you’ll save $397 in year one and $349 every year after that, with no auto-renewing trials to cancel.
Start your Florida LLC
IncCraft includes registered agent service, an operating agreement, EIN filing and compliance reminders, all for $0 plus the $125 state filing fee.
Form your Florida LLC with IncCraft
Frequently asked questions
Is ZenBusiness really free?
The Starter plan is $0 plus state fees, but it doesn’t include a registered agent ($199/year), operating agreement ($99) or EIN filing ($99). The real first-year cost is $522.
What is ZenBusiness Worry-Free Compliance?
It’s ZenBusiness’s compliance service. It files your annual report and sends reminders, free for the first year and then $199/year on auto-renewal. IncCraft provides compliance reminders free.
Can I cancel Worry-Free Compliance?
Yes, but you have to cancel before the auto-renewal date or you’ll be charged for the next year.
Which has better customer service?
Both offer phone and email support. IncCraft’s support works only on Florida, so it’s familiar with Florida-specific requirements. ZenBusiness’s team handles all 50 states.
Can I switch from ZenBusiness to IncCraft?
Yes. You can change your registered agent by filing with the Florida Division of Corporations ($25 fee). IncCraft can help you transfer your registered agent service.