Updated March 2026 · 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.
Xerovs Zoho Books
★ 4.3/5-0.2 vs Zoho Books
Only in Xero
- ✦ Expense Claims
- ✦ Financial Reports
- ✦ Payroll
From $25/mo(pricier)4.2M+ subscribers users · est. 2006
Try Xero Free →
Zoho Booksvs Xero
★ 4.5/5+0.2 vs Xero
Only in Zoho Books
- ✦ Expense Tracking
- ✦ Project Accounting
- ✦ Tax Compliance
✓ Free planFrom $20/mo(cheaper)Part of Zoho (100M+ users) users · est. 1996
Try Zoho Books Free →Ratings Breakdown
Xero
4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
G2 Rating4.3/5
Zoho Books
4.5/5 avg
G2 Score4.5/5
Capterra Score4.4/5
G2 Rating4.5/5
Quick Stats
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
✓
✓
Bank Reconciliation
✓
✓
Inventory
✓
✓
Purchase Orders
✓
✓
Multi-currency
✓
✓
Mobile App
✓
✓
Expense Claims
✓
✗
Financial Reports
✓
✗
Payroll
✓
✗
Project Tracking
✓
✗
Fixed Assets
✓
✗
Hubdoc (Receipt capture)
✓
✗
1000+ Integrations
✓
✗
Bank Connections
✓
✗
Tax Filing
✓
✗
Expense Tracking
✗
✓
Project Accounting
✗
✓
Tax Compliance
✗
✓
Time Tracking
✗
✓
Reporting
✗
✓
Automation
✗
✓
Client Portal
✗
✓
Zoho Integrations
✗
✓
API
✗
✓
Budgeting and Forecasting
✗
✓
Customizable Templates
✗
✓
Sales Order Management
✗
✓
Vendor Management
✗
✓
Item Tracking
✗
✓
Serial Number Tracking
✗
✓
Billing Reminders
✗
✓
Automatic Payment Reminders
✗
✓
Recurring Invoices
✗
✓
Credit Note Management
✗
✓
Debit Note Management
✗
✓
Retainer Invoice
✗
✓
Progress Invoice
✗
✓
Milestone Tracking
✗
✓
Task Assignment
✗
✓
Employee Expenses
✗
✓
Leave Management
✗
✓
Asset Depreciation
✗
✓
Accounts Payable
✗
✓
Accounts Receivable
✗
✓
Total Features
15
35
Quick Verdict
Independent analysis based on features, pricing, and user ratings
Choose Xero if you need:
- ✓ Expense Claims
- ✓ Financial Reports
- ✓ Payroll
- ✓ Project Tracking
- ✓ Fixed Assets
Choose Zoho Books if you need:
- ✓ Expense Tracking
- ✓ Project Accounting
- ✓ Tax Compliance
- ✓ Time Tracking
- ✓ Reporting
Pricing Comparison
Zoho Books starts at $20/mo, 20% cheaper than Xero's $25/mo.
Xero Plans
Paid plans only
EarlyBest Value
$25/mo- • 20 invoices
- • 5 bills
- • Bank reconciliation
Growing
$55/mo- • Unlimited invoices
- • Bulk reconciliation
Established
$90/mo- • Multi-currency
- • Expense claims
- • Advanced analytics
Zoho Books Plans
Free tier available
Free
Free- • 1000 invoices/year
- • 1 user
- • Bank reconciliation
StandardBest Value
$20/org/mo- • 5000 invoices/year
- • 3 users
- • Billing
Professional
$50/org/mo- • Unlimited invoices
- • 5 users
- • Purchase orders
Premium
$70/org/mo- • 10 users
- • Budgeting
- • Custom domain
Elite
$150/org/mo- • 15 users
- • Inventory
- • Custom reports
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