What users are saying about
Xero vs Zoho Books
Xero
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Top Rated
531 Ratings
<a href='https://www.trustradius.com/static/about-trustradius-scoring' target='_blank' rel='nofollow noopener'>trScore algorithm: Learn more.</a>Score 8.7 out of 100
Based on 531 reviews and ratings
108 Ratings
<a href='https://www.trustradius.com/static/about-trustradius-scoring' target='_blank' rel='nofollow noopener'>trScore algorithm: Learn more.</a>Score 8.3 out of 100
Based on 108 reviews and ratings
Feature Set Ratings
- Xero ranks higher in 2 feature sets: Customization, Reporting & Analytics
- Zoho Books ranks higher in 4 feature sets: Security, General Ledger and Configurable Accounting, Inventory Management, Order Management
Payroll Management
8.3
Xero
83%
Zoho Books
Feature Set Not Supported
N/A
Xero ranks higher in 5/5 features
Xero ranks higher in 5/5 features
Pay calculation
8.2
82%
64 Ratings
N/A
0 Ratings
Benefit plan administration
8.2
82%
23 Ratings
N/A
0 Ratings
Direct deposit files
8.9
89%
49 Ratings
N/A
0 Ratings
Salary revision and increment management
8.8
88%
41 Ratings
N/A
0 Ratings
Reimbursement management
7.6
76%
54 Ratings
N/A
0 Ratings
Customization
7.7
Xero
77%
6.1
Zoho Books
61%
Xero ranks higher in 2/2 features
Xero ranks higher in 2/2 features
API for custom integration
7.3
73%
78 Ratings
6.1
61%
14 Ratings
Plug-ins
8.1
81%
85 Ratings
N/A
0 Ratings
Security
8.6
Xero
86%
8.9
Zoho Books
89%
Xero ranks higher in 1/2 features
Xero ranks higher in 1/2 features
Single sign-on capability
8.7
87%
72 Ratings
9.4
94%
18 Ratings
Role-based user permissions
8.4
84%
114 Ratings
8.3
83%
23 Ratings
Reporting & Analytics
8.2
Xero
82%
8.1
Zoho Books
81%
Xero ranks higher in 2/3 features
Xero ranks higher in 2/3 features
Dashboards
8.0
80%
129 Ratings
7.7
77%
23 Ratings
Standard reports
8.7
87%
132 Ratings
7.6
76%
22 Ratings
Custom reports
7.9
79%
121 Ratings
9.0
90%
1 Rating
General Ledger and Configurable Accounting
8.0
Xero
80%
8.2
Zoho Books
82%
Xero ranks higher in 17/21 features
Xero ranks higher in 17/21 features
Accounts payable
8.7
87%
130 Ratings
8.2
82%
22 Ratings
Accounts receivable
8.7
87%
131 Ratings
8.9
89%
23 Ratings
Cash management
8.1
81%
121 Ratings
7.9
79%
22 Ratings
Bank reconciliation
8.9
89%
137 Ratings
6.3
63%
21 Ratings
Expense management
8.1
81%
125 Ratings
7.1
71%
22 Ratings
Time tracking
6.9
69%
42 Ratings
6.3
63%
14 Ratings
Fixed asset management
7.2
72%
86 Ratings
N/A
0 Ratings
Multi-currency support
8.2
82%
82 Ratings
9.7
97%
13 Ratings
Multi-division support
7.5
75%
74 Ratings
N/A
0 Ratings
Regulations compliance
8.3
83%
67 Ratings
9.6
96%
12 Ratings
Electronic tax filing
8.3
83%
65 Ratings
N/A
0 Ratings
Self-service portal
7.8
78%
80 Ratings
9.8
98%
15 Ratings
Global Financial Support
8.1
81%
36 Ratings
N/A
0 Ratings
Primary and Secondary Ledgers
7.8
78%
34 Ratings
N/A
0 Ratings
Intercompany Accounting
7.4
74%
40 Ratings
N/A
0 Ratings
Localizations
8.2
82%
40 Ratings
N/A
0 Ratings
Journals and Reconciliations
8.7
87%
89 Ratings
N/A
0 Ratings
Enterprise Accounting
7.4
74%
33 Ratings
N/A
0 Ratings
Configurable Accounting
8.3
83%
59 Ratings
N/A
0 Ratings
Centralized Rules Framework
8.0
80%
33 Ratings
N/A
0 Ratings
Standardized Processes
8.4
84%
59 Ratings
N/A
0 Ratings
Inventory Management
6.8
Xero
68%
6.9
Zoho Books
69%
Xero ranks higher in 2/4 features
Xero ranks higher in 2/4 features
Inventory tracking
6.1
61%
60 Ratings
6.6
66%
12 Ratings
Automatic reordering
7.0
70%
24 Ratings
7.3
73%
7 Ratings
Location management
7.7
77%
29 Ratings
N/A
0 Ratings
Manufacturing module
6.3
63%
16 Ratings
N/A
0 Ratings
Order Management
7.7
Xero
77%
8.3
Zoho Books
83%
Xero ranks higher in 4/7 features
Xero ranks higher in 4/7 features
Pricing
7.3
73%
61 Ratings
7.2
72%
18 Ratings
Order entry
7.8
78%
56 Ratings
8.9
89%
17 Ratings
Credit card processing
8.6
86%
57 Ratings
8.9
89%
18 Ratings
Cost of goods sold
8.1
81%
65 Ratings
8.3
83%
17 Ratings
Order Orchestration
7.3
73%
21 Ratings
N/A
0 Ratings
End-to-end order visibility
7.4
74%
24 Ratings
N/A
0 Ratings
Order exception Resolution
7.4
74%
17 Ratings
N/A
0 Ratings
Attribute Ratings
- Xero is rated higher in 3 areas: Likelihood to Recommend, Usability, Support Rating
Likelihood to Recommend
8.8
Xero
88%
155 Ratings
8.1
Zoho Books
81%
25 Ratings
Likelihood to Renew
8.8
Xero
88%
29 Ratings
Zoho Books
N/A
0 Ratings
Usability
8.9
Xero
89%
80 Ratings
6.6
Zoho Books
66%
6 Ratings
Availability
9.0
Xero
90%
20 Ratings
Zoho Books
N/A
0 Ratings
Performance
10.0
Xero
100%
16 Ratings
Zoho Books
N/A
0 Ratings
Support Rating
7.1
Xero
71%
37 Ratings
5.5
Zoho Books
55%
6 Ratings
In-Person Training
9.1
Xero
91%
1 Rating
Zoho Books
N/A
0 Ratings
Online Training
10.0
Xero
100%
5 Ratings
Zoho Books
N/A
0 Ratings
Implementation Rating
9.5
Xero
95%
18 Ratings
Zoho Books
N/A
0 Ratings
Product Scalability
10.0
Xero
100%
6 Ratings
Zoho Books
N/A
0 Ratings
Likelihood to Recommend
Xero
Xero is a 10-point software since it streamlines accounting and financial processes with great agility, generating immediate productivity. I recommend using all its features since, from creating reports to paying bills, the whole process is easy and does not require much knowledge. We can use it remotely with our phones and still build fluidity, plus it can be integrated with Salesforce, building even more power for short-term results.
Senior Account Manager
Arrow ElectronicsInformation Technology & Services, 10,001+ employees
Zoho Books
If using other cloud applications and you wish to create Zoho Books transactions via APIs, Zoho Books is great. The overall UI and flow of the application are great. If you need a detailed job cost accounting solution and robust reporting there is some room for improvement here.

Verified User
Administrator in Customer Service
Renewables & Environment Company, 1-10 employeesPros
Xero
- Reporting (customizing look and contents and the ability to add multiple comparative periods is brilliant and not found in many other competitors.
- Bank feeds. The way they organize bank feed and subsequent matching or coding is very user-friendly for non-accountants and fast for accountants.
- Can file VAT returns and is MTD compliant in UK.
- Customer support has been helpful (at least in my experience).
Senior Accountant
Tax Shop AccountantsAccounting, 11-50 employees
Zoho Books
- Zoho Books invoicing and receipting features are second to none. We find it easy to quickly invoice clients and add items to their bills and also for our own receipting internally.
- The accounting features are great for our accounting team to be able to see where we are financially and how the business is doing.
- The ability to add contacts and run a mini CRM channel with clients within Zoho is invaluable. Since we use this in conjunction with our other CRM channels, it helps to have a centralized place to follow up and see through a sales funnel.
- Zoho Books allows us to take payments from clients around the globe a feature we didn't have when we used another accounting system.
- The pricing for Zoho Books is fairly reasonable for an SME organization which is a great for us as it pays itself back many times over every month.
Digital Marketing Manager
Dotcom ZambiaConsumer Services, 11-50 employees
Cons
Xero
- Overall it is a great platform and quite comprehensive for US based users.
- However, if we focus on multinational companies that want to integrate the information of different companies in several countries within the same solution, we find the need to carry out reports outside the platform to provide the accounting structure and compliance necessary in countries outside the US.

Verified User
Manager in Professional Services
Accounting Company, 51-200 employeesZoho Books
- Zoho Books is only available in Texas and California. There is no integration allowed for paying employee expenses. The absolute worst aspect is the fact that if you make even the slightest error in data input there is no backing up. You cannot undo an error.
- The system does not allow change once implemented, so you must get every one of your beginning balances perfect. The practice of Journal Entries is cumbersome. When reconciling, Zoho Books has adopted a number of required steps that significantly overcomplicate reconciliation using practices that are not consistent with general accounting principles in the US.
- On the customer side, you must look in two places to see the beginning balance and the current receivables that might exist for current invoicing.
- The way the system works, you must avoid having much trust with the balances depicted. So far, it appears that Zoho Books uses what we called in school "that new math."
- It would be terrifying to rely on this bookkeeping system to support an IRS Audit. The system violates too many fundamental accounting principles.
- The software is used by so few people that there is concern that we might never find a skilled bookkeeper.
CEO (Chief Executive Officer)
James Environmental MgmtManagement Consulting, 11-50 employees
Pricing Details
Xero
General
Free Trial
Yes
Free/Freemium Version
—Premium Consulting/Integration Services
—Entry-level set up fee?
No
Starting Price
$11 per month
Xero Editions & Modules
Edition
Early | $111 |
---|---|
Growing | $321 |
Established | $621 |
- per month
Additional Pricing Details
—Zoho Books
General
Free Trial
Yes
Free/Freemium Version
Yes
Premium Consulting/Integration Services
—Entry-level set up fee?
Optional
$15
Starting Price
$0 For businesses with turnover <50K USD per annum
Zoho Books Editions & Modules
Edition
Standard | $151 |
---|---|
Professional | $401 |
Premium | $601 |
Free | $02 |
- Per Organization/Month, Billed Annually
- For businesses with turnover <50K USD per annum
Additional Pricing Details
Zoho Books is available for both monthly and yearly plans. Users who sign up for the annual plan get a discount.Likelihood to Renew
Xero
Xero 8.8
Based on 29 answers
In addition to the matters covered in this review, my reason for renewing this product is that Xero's functionality and the constant updates that the company provides, makes the software even more business friendly. The software therefore builds a brand loyalty among customers.
Consultant - Cloud accounting integration, Real Time Accounting
FuturebooksAccounting, 1-10 employees
Zoho Books
No score
No answers yet
No answers on this topic
Usability
Xero
Xero 8.9
Based on 80 answers
It has deep functionality, and it's easy to use for invoicing, quoting, financial reporting, and customer management. This product manages financial information for small business owners in a unique way. The phone interface is really good as well-meaning I can keep on top of the finances on my phone and feel confident about the financial decisions I'm making.
Workplace Culture Architect & Owner
Carolyn SworaManagement Consulting, 1-10 employees
Zoho Books
Zoho Books 6.6
Based on 6 answers
Customization is the biggest struggle for us and most of the time we need to involve a tech person. The chat support is a great feature and very helpful. It would be great to be able to customize and create invoices and correspondence (templates) such are reminders in multiple languages within one organization. The currency (USD) would be the same. We have clients in different countries that don't speak English but pay in USD.

Verified User
Administrator in Other
Marketing & Advertising Company, 11-50 employeesReliability and Availability
Xero
Xero 9.0
Based on 20 answers
We have been actively using and 100% Xero based for our ecommerce accounting practice for over 4 years. There has on been one real outage for more than 5 minutes. Xero was open and transparent about the outage, what they were doing to resolve the issue, and provided 15 minute updates. Showing how they care about their customers and partners. Plus, showing that their customers care too, were understanding, and went surfing or in our case took a nap. Couldn't run our business without Xero as a partner.
Co-Founder
Catching CloudsAccounting, 1-10 employees
Zoho Books
No score
No answers yet
No answers on this topic
Performance
Xero
Xero 10.0
Based on 16 answers
Pages generally load quickly, but it's a fairly common occurrence to have pages taking a bit longer than I'd like to load (as in, 4+ seconds). Occasionally I have to refresh a page to get it to work. Bank feed and integrations tend to be slow in general, but that could easily be due to API latency on the side of the other parties. Most of the time, though, the bank feeds refresh before I login so it's not a huge problem. Not necessarily good performance compared to a local app like QuickBooks desktop, but definitely good performance for a cloud application. Room for growth? yes.

Verified User
C-Level Executive in Corporate
Information Technology and Services Company, 11-50 employeesZoho Books
No score
No answers yet
No answers on this topic
Support Rating
Xero
Xero 7.1
Based on 37 answers
Support has always been responsive and quickly resolved any questions I have. The only reason I don't give full points is because there's no way to call for immediate help. I'm fine with this because I don't need it badly enough to pay for it
CFO
RenewableTech VenturesVenture Capital & Private Equity, 11-50 employees
Zoho Books
Zoho Books 5.5
Based on 6 answers
The support team feels very disjointed. We have filtered through a number of "lead" contacts and are frequently spammed by other Zoho members. Once getting an appropriate support contact on the phone - the team is very helpful, it just takes a lot of hoop jumping to get there. We actually unsubscribed from their support package as we were not getting the value we were looking for.
CEO (Chief Executive Officer)
PalCareBusiness Supplies & Equipment, 11-50 employees
In-Person Training
Xero
Xero 9.1
Based on 1 answer
The format was great; someone was there to ask questions or help if you were stuck.
Executive Director
EpsomTax.com LimitedAccounting, 11-50 employees
Zoho Books
No score
No answers yet
No answers on this topic
Online Training
Xero
Xero 10.0
Based on 5 answers
All of Xero's training is online and available for anyone (business owner or accountants) to learn and become experts in their system. There is a range of content from product training to real world webinars from their partners. Xero is beautiful accounting software and their training is the same.
Co-Founder
Catching CloudsAccounting, 1-10 employees
Zoho Books
No score
No answers yet
No answers on this topic
Implementation Rating
Xero
Xero 9.5
Based on 18 answers
If it can be done, time the implementation near a new fiscal year so you can start clean. Otherwise, you have to go back and do historical data from the beginning of the fiscal year, which can be brain draining.
Owner / Head Trainer
When Hounds FlyConsumer Services, 1-10 employees
Zoho Books
No score
No answers yet
No answers on this topic
Alternatives Considered
Xero
Solely the ease of use. This has saved me so much time on day-to-day tracking it is astonishing. Not only does it make it super easy to send invoices, but it also makes it easy to print invoices off, eases the process of partial payments, and keeps good track of all notes made to the account.
Customer Success manager
JOHNSONCONCEPT LLC.Marketing & Advertising, 11-50 employees
Zoho Books
We had a lot of problems with Exact Online, support-wise and price-wise. So Zoho Books wins on every point there. While Exact offers way more options, it tends to be really slow... and complex. Again Zoho Books wins. If you want an easy-to-use tool and not pay a lot of money, or if you are a small administration office with a few clients, this tool will be perfect for you.
SEO Specialist | MA consultant
Klantenfabriek.nlMarketing & Advertising, 1-10 employees
Scalability
Xero
Xero 10.0
Based on 6 answers
Over 600 plus apps available for integration and easy to create standard charts of account and report templates to implement across multiple entities. Same pricing regardless of number of transactions or users. Real benefit is variety of integrated apps that allow you to automate processes and have functionality that 10 years ago was only available in ERP systems costing hundreds of thousands.

Verified User
Partner in Finance and Accounting
Accounting Company, 1-10 employeesZoho Books
No score
No answers yet
No answers on this topic
Return on Investment
Xero
- Makes bookkeeping easier for clients or for us to do on behalf of clients.
- Time saving reports for BAS preparation.
- Picks up on potential issues in General Ledger Exceptions report.
- Dashboard can show accounts watchlist and current payables/receivables.
- Matches bills/sales to bank feed transactions and you can select multiple or split payments.
Senior Bookkeeper
MultipleFood & Beverages, 201-500 employees
Zoho Books
- Integration: Zoho Books offers out of the box integrations to extend the functionality and connect with the applications you love like MailChimp, Microsoft Outlook, PandaDoc, and Quickbooks, etc.
- Flexibility makes Zoho Books great!
- Since I can use forecast reports, I can create customizable sales forecast data from the dashboard to accurately measure revenue forecasts and establish sales quotas.
Owner
Lonell Multimedia/Strong Beach MediaOnline Media, 1-10 employees