Updated March 2026 · Independent Analysis
Zoho BooksvsXero
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.
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 →
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 →Ratings Breakdown
Zoho Books
4.5/5 avg
G2 Score4.5/5
Capterra Score4.4/5
G2 Rating4.5/5
Xero
4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
G2 Rating4.3/5
Quick Stats
Feature Comparison
Zoho Books uniquely offers Expense Tracking, Project Accounting, Tax Compliance. Xero uniquely offers Expense Claims, Financial Reports, Payroll. Both share 6 features including Invoicing, Bank Reconciliation, Inventory.
Feature
Zoho Books
Xero
Invoicing
✓
✓
Bank Reconciliation
✓
✓
Inventory
✓
✓
Purchase Orders
✓
✓
Multi-currency
✓
✓
Mobile App
✓
✓
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
✓
✗
Expense Claims
✗
✓
Financial Reports
✗
✓
Payroll
✗
✓
Project Tracking
✗
✓
Fixed Assets
✗
✓
Hubdoc (Receipt capture)
✗
✓
1000+ Integrations
✗
✓
Bank Connections
✗
✓
Tax Filing
✗
✓
Total Features
35
15
Quick Verdict
Independent analysis based on features, pricing, and user ratings
Choose Zoho Books if you need:
- ✓ Expense Tracking
- ✓ Project Accounting
- ✓ Tax Compliance
- ✓ Time Tracking
- ✓ Reporting
Choose Xero if you need:
- ✓ Expense Claims
- ✓ Financial Reports
- ✓ Payroll
- ✓ Project Tracking
- ✓ Fixed Assets
Pricing Comparison
Zoho Books starts at $20/mo, 20% cheaper than Xero's $25/mo.
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
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
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