Xero vs Zoho Books

Take a look at how Xero and Zoho Books stack up against each other across pricing, features, and support using feedback from real users like yourself. Xero scores 4.4 out of 5 from 631 reviews, while Zoho Books has been rated 4.4 out of 5 from 8 reviews.
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Xero Accounting Software logo

Xero

90% off for 6 months
4.4

( 631 )

Zoho Books Accounting Software logo

Zoho Books

4.4

( 8 )

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At a Glance
Xero Accounting Software logo
Xero
Starting at:
$25.00//month
Zoho Books Accounting Software logo
Zoho Books
Starting at:
$12.00/month
Overview
Xero Accounting Software logo
Xero
Xero is a mature, cloud-based accounting platform for small and growing businesses that offers invoicing, bank reconciliation, expense capture, reporting, cash flow forecasting, multi-currency support and a large integrations ecosystem. Learn more
Capabilities
  • AI Enabled
  • API Available
  • Open Source
  • CLI Available
Images
Xero - Xero Homepage
View 1 images
Xero Screenshots
Xero Homepage
Xero Homepage
Zoho Books Accounting Software logo
Zoho Books
Zoho Books is a comprehensive accounting software designed for small and medium-sized businesses. Among its key features, popular tools include invoicing, expense management, bank reconciliation, and project management, all in one platform. Additionally, its integration with other Zoho apps and i... Learn more
Capabilities
  • AI Enabled
  • API Available
  • Open Source
  • CLI Available
Images
Zoho Books
View 5 images
Zoho Books Screenshots
Zoho Books screenshot 1
Zoho Books screenshot 2
Zoho Books screenshot 3
Zoho Books screenshot 4
Zoho Books screenshot 5
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Pricing
Xero Accounting Software logo
Xero
Free trial available
Free plan available
Billing type Recurring Subscription
Developer - Starter
$0.00
/ month
Early
$25.00
/ month
Developer - Core
$35.00
/ month
Growing
$55.00
/ month
Established
$90.00
/ month
Developer - Plus
$245.00
/ month
Developer - Advanced
$1445.00
/ month
Developer - Enterprise
Contact Us
See all pricing
Zoho Books Accounting Software logo
Zoho Books
Free trial available
Free plan available
Billing type Recurring Subscription
Free
$0.00
/ month
Standard
$12.00
/ month
Professional
$24.00
/ month
Premiume
$36.00
/ month
Elite
$129.00
/ year
See all pricing
Pros and Cons
Xero Accounting Software logo
Xero
Pros
  • Comprehensive core accounting, invoicing, expense tracking and reporting features
  • Unlimited users with no per-user license fees in core plans
  • Strong mobile app support and substantial feature parity on mobile
  • Large ecosystem and open API with many integrations
  • Transparent pricing with introductory discounts and multi-currency/localization support
Cons
  • Some advanced features (multi-currency, project costing, expense claims) are available only in higher tiers
  • Payroll in the US is via partner (Gusto), so native payroll varies by country
  • No standard inbound phone support; phone contact is by callback rather than a public phone line
  • Some features (e.g., auto-reconcile) are in Beta and may evolve
  • Developer API terms prohibit using API data to train AI/ML models
Zoho Books Accounting Software logo
Zoho Books
Pros
  • Zoho Books has one of the lowest startup costs on this list
  • It offers multiple payment gateways
  • There are a lot of customer support options
Cons
  • It could be complicated for a small business owner
  • The time-tracking feature needs to be tied to a project to work
Reviewer's Segments
Xero Accounting Software logo
Xero
Small Business
79.08%
Mid Market
16.8%
Enterprise
4.12%
Zoho Books Accounting Software logo
Zoho Books
Small Business
50.0%
Mid Market
37.5%
Enterprise
12.5%
Deployment
Xero Accounting Software logo
Xero
  • Cloud based
  • Desktop based
  • Mobile based
  • On-premise
Zoho Books Accounting Software logo
Zoho Books
  • Cloud based
  • Desktop based
  • Mobile based
  • On-premise
Support
Xero Accounting Software logo
Xero
  • Chat
  • Email/Help Desk
  • FAQs/Forum
  • Knowledge Base
Zoho Books Accounting Software logo
Zoho Books
  • Chat
  • Email/Help Desk
  • FAQs/Forum
  • Knowledge Base
Training
Xero Accounting Software logo
Xero
  • Documentation
  • Videos
Zoho Books Accounting Software logo
Zoho Books
  • Documentation
  • Videos
Integrations
Xero Accounting Software logo
Xero
Total integrations: 119
  • 1CRM
  • Accelo
  • Act!
  • ActiveCollab
  • Airbase
  • Airwallex
  • Appy Pie
  • Automizy
  • Baremetrics
  • BigContacts
  • Bigin by Zoho CRM
  • Bill.com
  • Bold
  • Breezy HR
  • Brex
  • Capsule CRM
  • Carbon6
  • Carta
  • Celoxis
  • Checkfront
  • ClickDesk
  • ClickSend
  • CloudTalk
  • Copper
  • Copper Project
  • Creatio
  • Deel
  • Descartes Finale (Finale Inventory)
  • Dext
  • Dropbox Business
  • Employment Hero
  • Firstbase.io
  • Float
  • Freedcamp
  • FreshMail
  • Function Point
  • Genesis Pro
  • Gold-Vision
  • Google Workspace
  • GreenRope
  • Guesty
  • Gusto
  • Ignition (IgnitionApp)
  • Impact
  • Infor CRM
  • Insightly CRM
  • Insightly Marketing
  • Iridium Sales And Pos
  • Jibble
  • Jungle Scout
  • Kibo Order Management
  • Kissflow
  • Kommo
  • Lano
  • Lemon Squeezy
  • LiquidPlanner
  • MCA Suite
  • MRPeasy
  • Mailture
  • Melio
  • Mercury
  • Microsoft 365
  • Navan (formerly TripActions)
  • Network Solutions
  • Odoo Accounting
  • Odoo Manufacturing
  • Omnify
  • OneDrive
  • OnePageCRM
  • OneStream
  • Oyster HR
  • PDF.ai
  • Papaya Global
  • PayPal Payments Pro
  • Paymo
  • Podium
  • Presspog
  • Pulley
  • Pump.co
  • QuickBooks Commerce
  • QuickBooks Time
  • Quixy
  • Qwaiting
  • Ramp
  • RationalPlan
  • Recruit CRM
  • Regiondo
  • Remarkety
  • RemotePeople
  • Revolut Business
  • Rewind AI
  • Rezdy
  • Ring Central
  • RingCentral MVP
  • Sage Business Cloud Accounting
  • Salesflare
  • Salonist
  • Sellesta
  • Shift4Shop
  • Shoeboxed
  • Shopify
  • Simply CRM
  • Skuid
  • SmartSuite
  • Sortly
  • Square Online
  • Stripe
  • SutiHR
  • Synder
  • SysTools IMAP Migration Tool
  • Tax1099
  • TaxCycle
  • Tradify
  • Trainual
  • UENI
  • Viewabo
  • Vinyl
  • Wise
  • Wix Ecommerce
  • Worksection
  • XeroHosts
  • Zeffy
  • Zendesk Support Suite
  • Zenzap
  • Zoho CRM Plus
  • Zoho Cliq
  • Zoho Expense
  • Zoho Finance Plus
  • Zoho Flow
  • Zoho Inventory
  • Zoho Invoice
  • Zoho People
  • Zoho Sign
  • Zoho Subscriptions
  • inFlow Inventory
  • monday CRM
  • monday dev
Zoho Books Accounting Software logo
Zoho Books
Total integrations: 29
  • 1CRM
  • Accelo
  • Act!
  • ActiveCollab
  • Airbase
  • Airwallex
  • Appy Pie
  • Automizy
  • Baremetrics
  • BigContacts
  • Bigin by Zoho CRM
  • Bill.com
  • Bold
  • Breezy HR
  • Brex
  • Capsule CRM
  • Carbon6
  • Carta
  • Celoxis
  • Checkfront
  • ClickDesk
  • ClickSend
  • CloudTalk
  • Copper
  • Copper Project
  • Creatio
  • Deel
  • Descartes Finale (Finale Inventory)
  • Dext
  • Dropbox Business
  • Employment Hero
  • Firstbase.io
  • Float
  • Freedcamp
  • FreshMail
  • Function Point
  • Genesis Pro
  • Gold-Vision
  • Google Workspace
  • GreenRope
  • Guesty
  • Gusto
  • Ignition (IgnitionApp)
  • Impact
  • Infor CRM
  • Insightly CRM
  • Insightly Marketing
  • Iridium Sales And Pos
  • Jibble
  • Jungle Scout
  • Kibo Order Management
  • Kissflow
  • Kommo
  • Lano
  • Lemon Squeezy
  • LiquidPlanner
  • MCA Suite
  • MRPeasy
  • Mailture
  • Melio
  • Mercury
  • Microsoft 365
  • Navan (formerly TripActions)
  • Network Solutions
  • Odoo Accounting
  • Odoo Manufacturing
  • Omnify
  • OneDrive
  • OnePageCRM
  • OneStream
  • Oyster HR
  • PDF.ai
  • Papaya Global
  • PayPal Payments Pro
  • Paymo
  • Podium
  • Presspog
  • Pulley
  • Pump.co
  • QuickBooks Commerce
  • QuickBooks Time
  • Quixy
  • Qwaiting
  • Ramp
  • RationalPlan
  • Recruit CRM
  • Regiondo
  • Remarkety
  • RemotePeople
  • Revolut Business
  • Rewind AI
  • Rezdy
  • Ring Central
  • RingCentral MVP
  • Sage Business Cloud Accounting
  • Salesflare
  • Salonist
  • Sellesta
  • Shift4Shop
  • Shoeboxed
  • Shopify
  • Simply CRM
  • Skuid
  • SmartSuite
  • Sortly
  • Square Online
  • Stripe
  • SutiHR
  • Synder
  • SysTools IMAP Migration Tool
  • Tax1099
  • TaxCycle
  • Tradify
  • Trainual
  • UENI
  • Viewabo
  • Vinyl
  • Wise
  • Wix Ecommerce
  • Worksection
  • XeroHosts
  • Zeffy
  • Zendesk Support Suite
  • Zenzap
  • Zoho CRM Plus
  • Zoho Cliq
  • Zoho Expense
  • Zoho Finance Plus
  • Zoho Flow
  • Zoho Inventory
  • Zoho Invoice
  • Zoho People
  • Zoho Sign
  • Zoho Subscriptions
  • inFlow Inventory
  • monday CRM
  • monday dev
Top Alternatives
Xero Accounting Software logo
Xero
See all alternatives
Zoho Books Accounting Software logo
Zoho Books
See all alternatives
Company Details
Xero Accounting Software logo
Xero
  • By Xero Limited
  • Located in Wellington, New Zealand
  • Founded in 2006
Zoho Books Accounting Software logo
Zoho Books
  • By Zoho Corporation
  • Located in Chennai, Tamil Nadu
  • Founded in 2000