Compare Xero and Zoho Expense 
At a Glance
Market Segments
Small-Business (67.0% of reviews)
Small-Business (81.9% of reviews)
Entry-Level Pricing
$13.00 Per Month
$0.00
Xero
Star Rating
(1,632)4.4 out of 5
Market Segments
Small-Business (67.0% of reviews)
Pros & Cons
Entry-Level Pricing
$13.00 Per Month
Free Trial is available
Browse all 3 pricing plansZoho Expense
Star Rating
(1,484)4.5 out of 5
Market Segments
Small-Business (81.9% of reviews)
Pros & Cons
Entry-Level Pricing
$0.00
Browse all 4 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that Xero excels in usability, particularly for small business owners who may not have a strong accounting background. Users appreciate its intuitive design and functionality, making it easier to manage finances without extensive training.
- Users say that Xero's automatic bank reconciliation feature is notably faster and more accurate compared to Zoho Expense. This capability allows for seamless matching of invoices and quick transaction creation, which many find enhances their overall efficiency.
- Reviewers mention that Zoho Expense offers a flexible setup and good reporting capabilities, making it easy to customize according to specific business needs. The simple interface and straightforward configuration steps are frequently highlighted as user-friendly aspects.
- According to verified reviews, Xero has a higher overall satisfaction score, reflecting its strong performance in areas like ease of use and bank integration. Users have noted that the platform's ability to integrate with bank accounts simplifies expense tracking significantly.
- G2 reviewers highlight that while Zoho Expense has a solid rating for its reporting features, it falls short in areas like autonomous task execution and cross-system integration compared to Xero. Users have expressed a desire for more advanced automation capabilities in Zoho Expense.
- Users report that both platforms provide quality support, but Xero's larger user base and more extensive review activity suggest a more robust community for troubleshooting and advice. This can be particularly beneficial for new users seeking guidance during implementation.
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 Expense
Free Plan
$0.00
For small businesses and freelancers to track expenses and mileage claims. Includes a free mobile app (iOS & Android) to capture receipts and track expenses on the go. Upto 3 users.
- 5 GB Receipt Storage
- 20 Receipt Autoscans
- Multicurrency Expenses
Free Trial
Xero
Free Trial is available
Zoho Expense
Free Trial is available
Ratings
Meets Requirements
8.8
1,307
8.8
1,213
Ease of Use
9.0
1,360
8.8
1,233
Ease of Setup
8.8
1,051
8.6
917
Ease of Admin
8.7
395
8.7
777
Quality of Support
8.5
1,222
8.5
985
Has the product been a good partner in doing business?
8.6
389
8.7
729
Product Direction (% positive)
8.9
1,289
9.1
1,186
Features by Category
Expense Reports
8.9
284
8.7
870
|
Verified
9.1
287
7.4
609
|
Verified
8.7
262
8.0
712
|
Verified
8.8
268
8.7
819
|
Verified
8.7
251
8.4
662
|
Verified
8.6
252
8.2
607
|
Verified
8.9
264
7.5
527
|
Verified
Agentic AI - Expense Management
9.2
143
7.2
47
9.3
142
7.7
48
Travel Management
8.2
234
7.7
367
7.8
222
7.5
412
7.5
218
7.6
412
8.0
224
7.6
420
Client Invoicing
9.2
269
Feature Not Available
8.9
252
7.7
356
8.8
247
7.9
429
|
Verified
Mobile
8.6
250
8.8
773
|
Verified
8.1
225
8.3
515
|
Verified
7.8
218
7.5
284
Platform
8.5
209
7.7
391
|
Verified
8.5
212
7.9
430
|
Verified
Administration
8.7
204
8.0
343
|
Verified
Administration
8.6
251
8.3
557
|
Verified
8.7
249
8.4
595
|
Verified
8.5
243
8.3
566
|
Verified
8.5
232
8.3
514
|
Verified
8.8
254
8.6
639
|
Verified
Platform
9.0
279
8.4
662
|
Verified
8.7
236
7.8
424
|
Verified
8.6
227
8.1
401
|
Verified
9.2
259
8.7
645
|
Verified
8.6
243
8.6
586
|
Verified
5.4
193
7.7
407
|
Verified
General Ledger
8.6
722
|
Verified
Not enough data
8.3
677
|
Verified
Not enough data
8.6
700
|
Verified
Not enough data
Accounts Receivable
8.8
762
|
Verified
Not enough data
8.5
664
Not enough data
8.3
667
|
Verified
Not enough data
Accounts Payable
8.6
640
Not enough data
8.8
722
|
Verified
Not enough data
8.6
664
|
Verified
Not enough data
Other Functionality
8.0
604
Not enough data
8.0
598
Not enough data
8.2
582
|
Verified
Not enough data
7.9
616
|
Verified
Not enough data
8.5
646
|
Verified
Not enough data
9.1
800
|
Verified
Not enough data
8.2
645
|
Verified
Not enough data
8.5
643
Not enough data
Reporting & Analytics
9.0
809
|
Verified
Not enough data
8.6
753
|
Verified
Not enough data
8.5
633
|
Verified
Not enough data
8.8
761
|
Verified
Not enough data
Platform
8.3
689
|
Verified
Not enough data
8.4
647
Not enough data
8.7
702
|
Verified
Not enough data
8.3
608
|
Verified
Not enough data
8.9
755
|
Verified
Not enough data
8.7
653
|
Verified
Not enough data
Integration
8.7
699
|
Verified
Not enough data
8.6
630
Not enough data
8.5
671
|
Verified
Not enough data
Cash Flow
8.8
606
|
Verified
Not enough data
9.1
596
|
Verified
Not enough data
8.8
552
|
Verified
Not enough data
Budgeting & Forecasting
8.5
633
|
Verified
Not enough data
8.7
559
|
Verified
Not enough data
8.4
517
|
Verified
Not enough data
8.6
548
|
Verified
Not enough data
Revenue
8.7
573
|
Verified
Not enough data
8.7
559
|
Verified
Not enough data
8.4
529
|
Verified
Not enough data
Payroll
8.3
504
|
Verified
Not enough data
8.1
490
|
Verified
Not enough data
8.5
531
|
Verified
Not enough data
8.8
546
|
Verified
Not enough data
AI
8.4
382
Not enough data
8.9
383
Not enough data
8.7
386
Not enough data
8.5
379
Not enough data
8.6
375
Not enough data
8.2
373
Not enough data
9.0
391
Not enough data
8.8
383
Not enough data
8.7
371
Not enough data
8.5
371
Not enough data
Mobile Applications - Accounting
8.9
384
Not enough data
8.8
359
Not enough data
8.8
387
Not enough data
6.9
324
Not enough data
9.0
370
Not enough data
9.0
377
Not enough data
Agentic AI - Accounting
8.6
335
Not enough data
General Ledger
8.6
722
|
Verified
Not enough data
8.3
677
|
Verified
Not enough data
8.6
700
|
Verified
Not enough data
Accounts Receivable
8.8
762
|
Verified
Not enough data
8.5
664
Not enough data
8.3
667
|
Verified
Not enough data
Accounts Payable
8.6
640
Not enough data
8.8
722
|
Verified
Not enough data
8.6
664
|
Verified
Not enough data
Setup
Not enough data
8.5
113
Not enough data
8.6
119
Not enough data
8.6
117
Not enough data
8.5
114
Tracking
Not enough data
9.0
139
Not enough data
8.7
120
Not enough data
8.7
117
Reimbursement
Not enough data
9.0
132
Not enough data
9.1
145
Not enough data
8.7
119
Platform - Mileage Tracking
Not enough data
8.9
59
Not enough data
8.0
56
Agentic AI - Mileage Tracking
Not enough data
7.1
12
Not enough data
7.1
11
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
Not enough data
9.0
263
Not enough data
9.0
262
Not enough data
Bill Processing
8.6
253
Not enough data
8.8
254
Not enough data
8.9
255
Not enough data
Integration
9.1
271
Not enough data
8.9
266
Not enough data
8.4
241
Not enough data
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 Expense are categorized as Expense Management
Unique Categories
Xero is categorized as Invoice Management, Inventory Control, Billing, Accounting, and Nonprofit Accounting
Zoho Expense is categorized as Mileage Tracking
Reviews
Reviewers' Company Size
Xero
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Zoho Expense
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
19.8%
Information Technology and Services
9.7%
Computer Software
6.4%
Marketing and Advertising
5.2%
Consulting
3.4%
Other
55.5%
Information Technology and Services
8.3%
Computer Software
6.0%
Construction
4.4%
Non-Profit Organization Management
4.1%
Accounting
3.5%
Other
73.6%
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
How can I import my e-receipt from my cellphone to this software?
2 Comments
BJ
One way is to email the e-receipt to the unique Zoho expense email address associated with your account. Read more
What are the pricing plans for Zoho Expense?
1 Comment
Official Response from Zoho Expense
The monthly plan comes at a price of $15/month for a 10 user pack and $2/month for every additional user. The yearly plan comes at a price of $150 (for 10...Read more
What accounting software does Zoho Expense integrate with?
1 Comment
TM
Quickbooks Online, Quickbooks Desktop, Xero, Microsoft Dyanmics, Oracle, SAP, and Zoho BooksRead more
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