A detailed comparison of Xero and Zoho Books to help you choose the right tool for your needs.
| Plan | Xero | Zoho Books |
|---|---|---|
| Free Tier | ✗ No | ✓ Free for <$50K revenue |
| Lowest Paid | $15/mo | $15/mo |
| Enterprise | $78/mo | $240/mo |
| Feature | Xero | Zoho Books |
|---|---|---|
| Invoicing | ✓ | ✓ |
| Bank reconciliation | ✓ | ✓ |
| Expense claims | ✓ | — |
| Purchase orders | ✓ | ✓ |
| Reporting | ✓ | — |
| Payroll | ✓ | — |
| Inventory | ✓ | ✓ |
| Multi-currency | ✓ | ✓ |
| Projects | ✓ | ✓ |
| Mobile app | ✓ | ✓ |
| Expense tracking | — | ✓ |
| Time tracking | — | ✓ |
| Tax compliance | — | ✓ |
| Open Source | ✗ | ✗ |
| Rating | ⭐ 4.3 | ⭐ 4.2 |
Choose Xero if: You need small businesses outside the us. Xero excels with its beautiful interface and great bank reconciliation.
Choose Zoho Books if: You need growing businesses in the zoho ecosystem. Zoho Books stands out with its free for small businesses and comprehensive features.
Best free option: Zoho Books offers a free tier (Free for <$50K revenue).
It depends on your needs. Xero is better for small businesses outside the us, while Zoho Books is better for growing businesses in the zoho ecosystem. Both are excellent tools rated 4.3 and 4.2 respectively.
Xero starts at $15/mo while Zoho Books starts at $15/mo. Zoho Books also has a free tier.
Most tools offer import/export features to help you migrate. We recommend trying Zoho Books's free tier before fully committing to a switch.
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