Compare Xero and Zoho Books 
At a Glance
Market Segments
Small-Business (66.8% of reviews)
Small-Business (70.6% of reviews)
Entry-Level Pricing
$13.00 Per Month
$0 For businesses with turnover <50K USD per annum
Xero
Star Rating
(1,615)4.4 out of 5
Market Segments
Small-Business (66.8% of reviews)
Pros & Cons
Entry-Level Pricing
$13.00 Per Month
Free Trial is available
Browse all 3 pricing plansZoho Books
Star Rating
(305)4.4 out of 5
Market Segments
Small-Business (70.6% of reviews)
Pros & Cons
Entry-Level Pricing
$0 For businesses with turnover <50K USD per annum
Browse all 4 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that Xero excels in user experience, with many praising its clean interface that makes accounting feel less daunting. Users appreciate features like bank reconciliation suggestions, which streamline the process and allow for quick updates.
- Users say that Zoho Books is particularly strong in compliance, especially for users in India, highlighting its automatic GST calculations and assistance during filing. This feature is a significant time-saver for those managing tax obligations.
- Reviewers mention that Xero's implementation process is notably smooth, with many users finding the initial setup straightforward. This ease of onboarding is a common theme in recent feedback, making it appealing for small businesses looking to get started quickly.
- According to verified reviews, Zoho Books offers solid support options, including a helpline for users needing assistance. This feature is particularly valued by those who may have questions about usage, providing a sense of security in navigating the software.
- G2 reviewers highlight that while Xero has a higher overall satisfaction score, both products receive similar ratings for ease of use. However, Xero edges out slightly with its intuitive design, which users find enhances their daily accounting tasks.
- Users report that Xero's advanced features, such as digital billing and recurring billing, are well-received, making it a robust choice for businesses that require more sophisticated financial management tools. In contrast, Zoho Books is appreciated for its affordability, especially for smaller businesses with lower turnover.
Pricing
Entry-Level Pricing
Xero
Starter / Early
$13.00
Per Month
Good for sole traders, new businesses, and the self-employed.
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions
Zoho Books
FREE
$0
For businesses with turnover <50K USD per annum
- 1 User + 1 Accountant
- Manage Clients
- Manage Invoices (Up to 1,000)
Free Trial
Xero
Free Trial is available
Zoho Books
Free Trial is available
Ratings
Meets Requirements
8.8
1,299
8.8
260
Ease of Use
9.0
1,352
8.9
266
Ease of Setup
8.8
1,043
8.7
142
Ease of Admin
8.7
392
9.0
110
Quality of Support
8.5
1,217
8.3
249
Has the product been a good partner in doing business?
8.6
386
9.0
109
Product Direction (% positive)
8.9
1,282
9.3
252
Features by Category
Expense Reports
8.9
283
Not enough data
9.1
286
Not enough data
8.7
261
Not enough data
8.8
267
Not enough data
8.7
250
Not enough data
8.6
252
Not enough data
8.9
263
Not enough data
Agentic AI - Expense Management
9.2
143
Not enough data
9.3
142
Not enough data
Travel Management
8.2
234
Not enough data
7.8
222
Not enough data
7.5
218
Not enough data
8.0
224
Not enough data
Client Invoicing
9.2
269
Not enough data
8.9
252
Not enough data
8.8
247
Not enough data
Mobile
8.6
250
Not enough data
8.1
225
Not enough data
7.8
218
Not enough data
Platform
8.5
209
Not enough data
8.5
212
Not enough data
Administration
8.7
204
Not enough data
Administration
8.6
251
Not enough data
8.7
249
Not enough data
8.5
243
Not enough data
8.5
232
Not enough data
8.8
254
Not enough data
Platform
9.0
279
Not enough data
8.7
236
Not enough data
8.6
227
Not enough data
9.2
259
Not enough data
8.6
243
Not enough data
5.4
193
Not enough data
General Ledger
8.6
720
|
Verified
8.6
142
|
Verified
8.3
677
|
Verified
8.2
129
8.6
699
|
Verified
8.4
139
|
Verified
Accounts Receivable
8.8
761
|
Verified
8.6
152
8.5
664
8.2
141
|
Verified
8.3
667
|
Verified
8.0
137
|
Verified
Accounts Payable
8.6
640
8.3
127
8.8
722
|
Verified
8.6
142
|
Verified
8.6
664
|
Verified
8.6
143
|
Verified
Other Functionality
8.0
604
8.0
130
|
Verified
8.0
598
8.0
131
|
Verified
8.2
582
|
Verified
7.9
128
|
Verified
7.9
616
|
Verified
8.2
132
|
Verified
8.5
646
|
Verified
8.0
128
9.1
799
|
Verified
8.5
142
|
Verified
8.2
645
|
Verified
7.9
122
8.5
643
8.4
132
|
Verified
Reporting & Analytics
9.0
806
|
Verified
8.7
148
|
Verified
8.6
750
|
Verified
8.4
136
|
Verified
8.5
633
|
Verified
8.2
131
|
Verified
8.8
758
|
Verified
8.6
149
|
Verified
Platform
8.3
688
|
Verified
8.3
140
|
Verified
8.4
647
8.2
143
|
Verified
8.7
702
|
Verified
8.8
145
|
Verified
8.3
608
|
Verified
8.3
130
|
Verified
8.9
754
|
Verified
8.8
144
|
Verified
8.7
653
|
Verified
8.5
140
|
Verified
Integration
8.7
698
|
Verified
8.6
137
|
Verified
8.6
630
8.1
136
8.5
671
|
Verified
8.3
130
|
Verified
Cash Flow
8.8
604
|
Verified
8.6
128
|
Verified
9.1
596
|
Verified
9.0
132
|
Verified
8.8
552
|
Verified
8.8
128
|
Verified
Budgeting & Forecasting
8.5
633
|
Verified
8.2
131
|
Verified
8.7
559
|
Verified
8.4
126
|
Verified
8.4
517
|
Verified
7.9
115
|
Verified
8.6
548
|
Verified
8.2
119
|
Verified
Revenue
8.7
573
|
Verified
8.6
122
|
Verified
8.7
559
|
Verified
8.6
117
|
Verified
8.4
529
|
Verified
8.1
116
|
Verified
Payroll
8.3
504
|
Verified
7.8
104
|
Verified
8.1
490
|
Verified
7.5
101
|
Verified
8.5
531
|
Verified
8.1
118
|
Verified
8.8
546
|
Verified
8.6
117
|
Verified
AI
8.4
382
7.2
18
8.9
383
7.9
19
8.7
386
8.0
19
8.5
379
7.0
18
8.6
375
7.8
18
8.2
373
7.5
18
9.0
391
8.0
19
8.8
383
7.9
18
8.7
371
7.0
19
8.5
371
7.2
18
Mobile Applications - Accounting
8.9
384
7.9
14
8.8
359
7.9
11
8.8
385
7.0
14
6.9
324
7.4
11
9.0
370
8.5
10
9.0
377
8.3
11
Agentic AI - Accounting
8.6
335
Not enough data
General Ledger
8.6
720
|
Verified
8.6
142
|
Verified
8.3
677
|
Verified
8.2
129
8.6
699
|
Verified
8.4
139
|
Verified
Accounts Receivable
8.8
761
|
Verified
8.6
152
8.5
664
8.2
141
|
Verified
8.3
667
|
Verified
8.0
137
|
Verified
Accounts Payable
8.6
640
8.3
127
8.8
722
|
Verified
8.6
142
|
Verified
8.6
664
|
Verified
8.6
143
|
Verified
Invoice Generation
8.7
275
Not enough data
9.2
282
Not enough data
9.2
275
Not enough data
Invoice Processing
8.9
269
Not enough data
8.9
270
Not enough data
8.7
264
Not enough data
9.2
277
Not enough data
Analytics
9.2
270
Not enough data
8.9
269
Not enough data
8.5
252
Not enough data
9.0
274
Not enough data
Integration
9.2
284
Not enough data
9.1
278
Not enough data
8.5
251
Not enough data
8.8
276
Not enough data
Agentic AI - Invoice Management
8.9
174
Not enough data
8.9
177
Not enough data
8.7
178
Not enough data
Multichannel inventory management
9.0
120
Not enough data
9.1
121
Not enough data
9.0
121
Not enough data
3PL inventory management
9.3
124
Not enough data
9.2
124
Not enough data
9.0
122
Not enough data
Inventory Management
9.3
127
Not enough data
9.1
126
Not enough data
9.1
117
Not enough data
9.1
123
Not enough data
9.5
123
Not enough data
Inventory Management Platform Features
9.3
129
Not enough data
9.3
132
Not enough data
9.2
129
Not enough data
9.1
127
Not enough data
9.2
126
Not enough data
9.4
134
Not enough data
9.2
130
Not enough data
9.5
128
Not enough data
9.6
133
Not enough data
9.6
132
Not enough data
Bill Generation
8.7
255
8.6
105
9.0
263
8.8
106
9.0
262
8.8
101
Bill Processing
8.6
253
8.6
106
8.8
254
8.4
101
8.9
255
8.8
110
Integration
9.1
271
9.0
110
8.9
266
8.9
107
8.4
241
8.5
97
Agentic AI - Billing
8.9
165
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Xero and Zoho Books are categorized as Billing and Accounting
Unique Categories
Xero is categorized as Invoice Management, Inventory Control, Expense Management, and Nonprofit Accounting
Zoho Books has no unique categories
Reviews
Reviewers' Company Size
Xero
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Zoho Books
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
19.7%
Information Technology and Services
9.7%
Computer Software
6.3%
Marketing and Advertising
5.2%
Consulting
3.3%
Other
55.8%
Accounting
15.6%
Information Technology and Services
14.9%
Marketing and Advertising
7.3%
Computer Software
6.9%
Retail
2.4%
Other
52.8%
Alternatives
Discussions
What is Xero software used for?
3 Comments
BA
Bookkeeping and Accounting. Read more
Is XERO a good accounting software?
3 Comments
RB
Xerox is user-friendly accounting software. Read more
What is Xero used for?
3 Comments
MP
Accounting, bookkeeping, tax return, payroll, expenses management etc. For small or medium businessRead more
Are Zoho Books good?
2 Comments
DV
They are certainly amongst the top-tier !! They stand out in many ways. Very attractive and intuitive UI (web as native desktop and mobile), very stable...Read more
Is Zoho Books free?
2 Comments
MR
They have a free plan with different customer and revenue restrictions.Read more
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