Zoho Books vs Xero
Every value comes from the product records. Facts we have not verified are marked, never guessed.
Zoho Books
Accounting Software
- Score
- Not yet scored
- Price
- Free plan, paid from $15/mo
- Suits
- Solo, Small teams (2–50), Mid-size (51–500)
- Free option
- Free plan
Xero
Accounting Software
- Score
- Not yet scored
- Price
- Flat rate from $25/mo
- Suits
- Solo, Small teams (2–50), Mid-size (51–500)
- Free option
- None
A six-tier ladder that starts free against a three-tier one that starts at US$25 with unlimited users.
TechBigs verdict, published Sep 4, 2026
Where they differ
2 facts that can decide it; identical facts are below- PricingZoho Books: Free plan, paid from $15/moXero: Flat rate from $25/mo
- Free optionZoho Books: Free planXero: None
Everything else
Same on every product unless markedBasics
Scroll sideways to see every product.
| Basics | Zoho Books | Xero |
|---|---|---|
| Pricing (products differ) | Free plan, paid from $15/mo | Flat rate from $25/mo |
| Pricing model (products differ) | Free plan available | Flat rate |
| Free plan (products differ) | Yes | No |
| Free trial (products differ) | Yes | No |
| Category | Accounting Software | Accounting Software |
| Product type | SaaS | SaaS |
| Deployment | Cloud | Cloud |
| Team size | Solo, Small teams (2–50), Mid-size (51–500) | Solo, Small teams (2–50), Mid-size (51–500) |
Pricing
Zoho Books
- FreeFree
Free
- Standard$15/mo
Flat rate, 14-day trial
- Professional$40/mo
Flat rate, 14-day trial
- Premium$60/mo
Flat rate, 14-day trial
- Elite$120/mo
Flat rate, 14-day trial
- Ultimate$240/mo
Flat rate, 14-day trial
Xero
- Early$25/mo
Flat rate
- Growing$55/mo
Flat rate
- Established$90/mo
Flat rate
Features
Scroll sideways to see every product.
| Feature | Zoho Books | Xero |
|---|---|---|
| Expense and receipt tracking (products differ) | Not verified | Yes |
| Payroll (products differ) | Not verified | Yes |
| Invoicing and quotes | Yes | Yes |
| Bank feeds and reconciliation | Yes | Yes |
| Multi-currency | Yes | Yes |
| Tax and VAT reporting | Yes | Yes |
| Inventory tracking | Yes | Yes |
| Project and time tracking | Yes | Yes |
Integrations
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| Integration | Zoho Books | Xero |
|---|---|---|
| QuickBooks | Native | Native |
| Xero | Native | Native |
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