HomeZoho Books vs Xero
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.

Z
Zoho Books

Smart accounting software for growing businesses in the Zoho ecosystem

4.5/5Founded 1996Part of Zoho (100M+ users) users
Try Zoho Books Free →
X
Xero

Cloud-based accounting software for small businesses and accountants

4.3/5Founded 20064.2M+ subscribers users
Try Xero Free →

⚡ Quick Stats

Avg Rating
Xero4.3/5
🏆 Zoho Books wins
💰
Starting Price
Xero$25/mo
🏆 Zoho Books wins
🔧
Features
🏆 Zoho Books wins
🎁
Free Plan
🏆 Zoho Books wins

📊 Ratings Breakdown

Z

Zoho Books

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

Xero

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

⚡ 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
Try Zoho Books Free →
Choose Xero if you need:
  • Expense Claims
  • Financial Reports
  • Payroll
  • Project Tracking
  • Fixed Assets
Try Xero Free →

🔧 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
Expense Claims
Financial Reports
Payroll
Project Tracking
Fixed Assets
Hubdoc (Receipt capture)
1000+ Integrations
Bank Connections
Tax Filing
Total Features
15
15

💰 Pricing Comparison

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

Z

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
Full Zoho Books pricing breakdown →
X

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
Full Xero pricing breakdown →
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❓ Frequently Asked Questions

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