Homeโ€บXero vs Zoho Books
Updated March 2026 ยท Independent Analysis

XerovsZoho Books

Zoho Books starts at $20/mo, 20% cheaper than Xero's $25/mo. Zoho Books is rated higher at 4.5/5 vs Xero's 4.3/5.

X
Xero

Cloud-based accounting software for small businesses and accountants

โ˜… 4.3/5Founded 20064.2M+ subscribers users
Try Xero Free โ†’
Z
Zoho Books

Smart accounting software for growing businesses in the Zoho ecosystem

โ˜… 4.5/5Founded 1996Part of Zoho (100M+ users) users
Try Zoho Books Free โ†’

โšก Quick Stats

โญ
Avg Rating
Xero4.3/5
๐Ÿ† Zoho Books wins
๐Ÿ’ฐ
Starting Price
Xero$25/mo
๐Ÿ† Zoho Books wins
๐Ÿ”ง
Features
๐Ÿ† Xero wins
๐ŸŽ
Free Plan
Zoho BooksYes โœ“
๐Ÿ† Zoho Books wins

๐Ÿ“Š Ratings Breakdown

X

Xero

4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
Overall Avg4.35/5
Z

Zoho Books

4.5/5 avg
G2 Score4.5/5
Capterra Score4.4/5
Overall Avg4.45/5

โšก Quick Verdict

Independent analysis based on features, pricing, and user ratings

Choose Xero if you need:
  • โœ“ Expense Claims
  • โœ“ Financial Reports
  • โœ“ Payroll
  • โœ“ Project Tracking
  • โœ“ Fixed Assets
Try Xero Free โ†’
Choose Zoho Books if you need:
  • โœ“ Expense Tracking
  • โœ“ Project Accounting
  • โœ“ Tax Compliance
  • โœ“ Time Tracking
  • โœ“ Reporting
Try Zoho Books Free โ†’

๐Ÿ”ง Feature Comparison

Xero uniquely offers Expense Claims, Financial Reports, Payroll. Zoho Books uniquely offers Expense Tracking, Project Accounting, Tax Compliance. Both share 6 features including Invoicing, Bank Reconciliation, Inventory.

Feature
Xero
Zoho Books
Invoicing
โœ“
โœ“
Bank Reconciliation
โœ“
โœ“
Inventory
โœ“
โœ“
Purchase Orders
โœ“
โœ“
Multi-currency
โœ“
โœ“
Mobile App
โœ“
โœ“
Expense Claims
โœ“
โœ—
Financial Reports
โœ“
โœ—
Payroll
โœ“
โœ—
Project Tracking
โœ“
โœ—
Fixed Assets
โœ“
โœ—
Hubdoc (Receipt capture)
โœ“
โœ—
1000+ Integrations
โœ“
โœ—
Bank Connections
โœ“
โœ—
Tax Filing
โœ“
โœ—
Expense Tracking
โœ—
โœ“
Project Accounting
โœ—
โœ“
Tax Compliance
โœ—
โœ“
Time Tracking
โœ—
โœ“
Reporting
โœ—
โœ“
Automation
โœ—
โœ“
Client Portal
โœ—
โœ“
Zoho Integrations
โœ—
โœ“
API
โœ—
โœ“
Total Features
15
15

๐Ÿ’ฐ Pricing Comparison

Zoho Books starts at $20/mo, 20% cheaper than Xero's $25/mo.

X

Xero Plans

Paid plans only

EarlyBest Value
$25/mo
  • โ€ข 20 invoices
  • โ€ข 5 bills
  • โ€ข Bank reconciliation
Growing
$55/mo
  • โ€ข Unlimited invoices
  • โ€ข Bulk reconciliation
Established
$90/mo
  • โ€ข Multi-currency
  • โ€ข Expense claims
  • โ€ข Advanced analytics
Full Xero pricing breakdown โ†’
Z

Zoho Books Plans

Free tier available

Free
Free
  • โ€ข 1000 invoices/year
  • โ€ข 1 user
  • โ€ข Bank reconciliation
StandardBest Value
$20/org/mo
  • โ€ข 5000 invoices/year
  • โ€ข 3 users
  • โ€ข Billing
Professional
$50/org/mo
  • โ€ข Unlimited invoices
  • โ€ข 5 users
  • โ€ข Purchase orders
Premium
$70/org/mo
  • โ€ข 10 users
  • โ€ข Budgeting
  • โ€ข Custom domain
Elite
$150/org/mo
  • โ€ข 15 users
  • โ€ข Inventory
  • โ€ข Custom reports
Full Zoho Books pricing breakdown โ†’
๐Ÿ”” Get notified when prices change

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