Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Xero
Score 8.5 out of 10
N/A
Xero is an online accounting software product for small businesses and personal finance. Its features beyond general ledger and double-bookkeeping include quotable invoicing, bank reconciliation, purchase order and expense management, and tax management. Third party apps can extend its features further.
$13
per month
Zoho Books
Score 8.3 out of 10
N/A
Zoho Books is an accounting solution that is designed to help small businesses manage their finances. This solution includes dashboards and a wide variety of reports. Business users can automate tasks and set up custom workflows. The vendor offers a 14 day free trial.
$0
For businesses with turnover <50K USD per annum
Pricing
XeroZoho Books
Editions & Modules
Early
$13
per month
Growing
$37
per month
Established
$70
per month
Free
$0
For businesses with turnover <50K USD per annum
Standard
$15
Per Organization/Month, Billed Annually
Professional
$40
Per Organization/Month, Billed Annually
Premium
$60
Per Organization/Month, Billed Annually
Offerings
Pricing Offerings
XeroZoho Books
Free Trial
YesYes
Free/Freemium Version
NoYes
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup fee$15 Per Organization/Month, Billed Annually
Additional DetailsPrices in table are in USD and just apply to the US - other markets & prices are listed below: Canada - Starter $18 CAD/month, Standard $45 CAD/month, Premium 5 $58 CAD/month UK - Starter £14/month, Standard £28/month, Premium £36/month AU - Starter $29 AUD/month, Standard $59 AUD/month, Premium 5 $76 AUD/month NZ - Starter $31 NZD/month, Standard $66 NZD/month, Premium $84 NZD/monthZoho Books is available for both monthly and yearly plans. Users who sign up for the annual plan get a discount.
More Pricing Information
Community Pulse
XeroZoho Books
Considered Both Products
Xero
Chose Xero
QuickBooks was my grandmother's bookkeeping software. Nothing was automated and it forced me to know good accounting practices. That's what I pay my accountant for. Xero is intuitive and also limited on what you can do on each screen. If I'm ever confused, I send a support …
Chose Xero
Used FreshBooks when the business was first starting out because they had a free plan. Quickly needed more features, and switched to QBO.

QBO worked well for many years, but they continually increased their fees and the interface got more and more difficult to use. Also, it had …
Chose Xero
Zoho Books - fairly easy to use in terms of expenses and invoices. However, reporting is basic. The Sales tax report itself isn't user friendly are requires you to work out the different taxes in order to do the return. Pastel (desktop) - there is little integration and …
Chose Xero
Ignoring pricing, Xero is among the best options available. It has the most complete feature set along with Quickbooks. It is more user-friendly compared to most of its competitors. It has well-designed mobile apps that can actually do something in contrast with most …
Zoho Books
Chose Zoho Books
I believe it is way easier to use, has more robust features, seamless integration with other Zoho apps like CRM, Projects, etc. is super useful and has saved a lot of time. Streamlining this process has been easy, and the end result is better reporting, improved decision making …
Top Pros
Top Cons
Features
XeroZoho Books
Payroll Management
Comparison of Payroll Management features of Product A and Product B
Xero
7.7
73 Ratings
6% above category average
Zoho Books
-
Ratings
Pay calculation7.965 Ratings00 Ratings
Benefit plan administration8.123 Ratings00 Ratings
Direct deposit files7.649 Ratings00 Ratings
Salary revision and increment management7.541 Ratings00 Ratings
Reimbursement management7.254 Ratings00 Ratings
Customization
Comparison of Customization features of Product A and Product B
Xero
7.6
130 Ratings
10% above category average
Zoho Books
6.0
14 Ratings
14% below category average
API for custom integration7.879 Ratings6.014 Ratings
Plug-ins7.3117 Ratings00 Ratings
Security
Comparison of Security features of Product A and Product B
Xero
7.8
165 Ratings
2% below category average
Zoho Books
9.3
23 Ratings
16% above category average
Single sign-on capability6.872 Ratings10.018 Ratings
Role-based user permissions8.8163 Ratings8.722 Ratings
Reporting & Analytics
Comparison of Reporting & Analytics features of Product A and Product B
Xero
8.1
186 Ratings
8% above category average
Zoho Books
7.8
22 Ratings
4% above category average
Dashboards8.0182 Ratings7.222 Ratings
Standard reports8.3185 Ratings7.221 Ratings
Custom reports8.1165 Ratings9.01 Ratings
General Ledger and Configurable Accounting
Comparison of General Ledger and Configurable Accounting features of Product A and Product B
Xero
7.3
195 Ratings
0% above category average
Zoho Books
8.3
23 Ratings
13% above category average
Accounts payable8.8182 Ratings8.221 Ratings
Accounts receivable9.0183 Ratings9.222 Ratings
Cash management8.1167 Ratings8.021 Ratings
Bank reconciliation9.1190 Ratings5.920 Ratings
Expense management8.0173 Ratings7.421 Ratings
Time tracking8.063 Ratings6.013 Ratings
Fixed asset management7.9118 Ratings00 Ratings
Multi-currency support7.6113 Ratings10.012 Ratings
Multi-division support7.595 Ratings00 Ratings
Regulations compliance8.397 Ratings10.011 Ratings
Electronic tax filing8.999 Ratings00 Ratings
Self-service portal7.8110 Ratings10.015 Ratings
Global Financial Support6.355 Ratings00 Ratings
Primary and Secondary Ledgers7.453 Ratings00 Ratings
Intercompany Accounting5.340 Ratings00 Ratings
Localizations8.039 Ratings00 Ratings
Journals and Reconciliations9.490 Ratings00 Ratings
Enterprise Accounting3.533 Ratings00 Ratings
Configurable Accounting4.659 Ratings00 Ratings
Centralized Rules Framework4.233 Ratings00 Ratings
Standardized Processes5.159 Ratings00 Ratings
Inventory Management
Comparison of Inventory Management features of Product A and Product B
Xero
6.4
89 Ratings
6% below category average
Zoho Books
6.5
12 Ratings
4% below category average
Inventory tracking6.485 Ratings6.012 Ratings
Automatic reordering6.624 Ratings7.07 Ratings
Location management6.629 Ratings00 Ratings
Manufacturing module6.216 Ratings00 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
Xero
6.6
89 Ratings
9% below category average
Zoho Books
8.3
20 Ratings
14% above category average
Pricing6.562 Ratings7.017 Ratings
Order entry6.656 Ratings9.016 Ratings
Credit card processing6.958 Ratings9.017 Ratings
Cost of goods sold6.966 Ratings8.016 Ratings
Order Orchestration6.421 Ratings00 Ratings
End-to-end order visibility6.324 Ratings00 Ratings
Order exception Resolution6.317 Ratings00 Ratings
Best Alternatives
XeroZoho Books
Small Businesses
QuickBooks Self-Employed
QuickBooks Self-Employed
Score 9.4 out of 10
QuickBooks Self-Employed
QuickBooks Self-Employed
Score 9.4 out of 10
Medium-sized Companies
Accounting Seed
Accounting Seed
Score 8.4 out of 10
Accounting Seed
Accounting Seed
Score 8.4 out of 10
Enterprises
Oracle Fusion Cloud ERP
Oracle Fusion Cloud ERP
Score 7.8 out of 10
Oracle Fusion Cloud ERP
Oracle Fusion Cloud ERP
Score 7.8 out of 10
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User Ratings
XeroZoho Books
Likelihood to Recommend
8.6
(210 ratings)
6.8
(24 ratings)
Likelihood to Renew
10.0
(32 ratings)
-
(0 ratings)
Usability
8.8
(135 ratings)
6.7
(6 ratings)
Availability
9.0
(10 ratings)
-
(0 ratings)
Performance
10.0
(8 ratings)
-
(0 ratings)
Support Rating
9.2
(36 ratings)
5.3
(5 ratings)
In-Person Training
9.1
(1 ratings)
-
(0 ratings)
Online Training
10.0
(5 ratings)
-
(0 ratings)
Implementation Rating
7.3
(10 ratings)
-
(0 ratings)
Configurability
9.0
(1 ratings)
-
(0 ratings)
Ease of integration
6.7
(95 ratings)
-
(0 ratings)
Product Scalability
10.0
(6 ratings)
-
(0 ratings)
Vendor post-sale
9.0
(2 ratings)
-
(0 ratings)
Vendor pre-sale
10.0
(2 ratings)
-
(0 ratings)
User Testimonials
XeroZoho Books
Likelihood to Recommend
Xero
If they are using foreign exchange I always use Xero. If I need reporting to be customized we always use Xero. If the client is already working in a software and it is working for them we will leave them in the software they are in.
Read full review
Zoho
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.
Read full review
Pros
Xero
  • Their method of moving between screens was very logical and intuitive which is not a "given" attribute among software packages.
  • Finding transactions was relatively easy with just common sense.
  • The use of this software was generally well received in that the accountants did not discredit the software as cheap, poorly organized, or timely to learn. No one at Corporate had a vendetta against using Xero.
  • It does a good job of allowing the users to drill down to the final detail of an account balance - which is fundamental to the accounting department's needs.
Read full review
Zoho
  • 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.
Read full review
Cons
Xero
  • I would like to have the ability to sign up a holding company and all its trading entities under one subscription, in order to have amalgamated and separate accounting records and reports for each trading entity.
  • This is pertaining to my own Xero business clients: I would like to have a full featured, customizable practice client support /ticketing and task manager system, with reminders that can be sent to my clients and my team for various tasks due.
  • I would like Xero to have a cheaper option for their packages that include invoicing and related documents, as in my country we have options with an opposition accounting firm that offers a subscription where clients can create up to 2000 invoices per year for free.
Read full review
Zoho
  • 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.
Read full review
Likelihood to Renew
Xero
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.
Read full review
Zoho
No answers on this topic
Usability
Xero
Xero has all the features that you need, basically. From chart of accounts, reconciling books, to making annual financial reports. What I'm currently looking for Xero right now is to provide more broader integration with the other apps so we can use it for customer-facing experience also. All in all, everything works well!
Read full review
Zoho
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.
Read full review
Reliability and Availability
Xero
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.
Read full review
Zoho
No answers on this topic
Performance
Xero
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.
Read full review
Zoho
No answers on this topic
Support Rating
Xero
Always respond and keep issues open until you are satisfied with the result. Generally good responses, in the past, I had some support responses that were really basic and really annoying. They type where "have your tried restarting your computer" style of answers. Well, of course, I went through all the basics before contacting them. Duh, but I suppose not everyone does. Otherwise, it would be a 10. The last year has shown a marked improvement in the support responses however.
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Zoho
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.
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In-Person Training
Xero
The format was great; someone was there to ask questions or help if you were stuck.
Read full review
Zoho
No answers on this topic
Online Training
Xero
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.
Read full review
Zoho
No answers on this topic
Implementation Rating
Xero
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.
Read full review
Zoho
No answers on this topic
Alternatives Considered
Xero
I've used a lot of different accounting systems. Many of them so big and powerful, but a hassle to get set up. Xero is light, inexpensive, and easy to use. When I originally selected them they seemed like they were developing new features at a quick rate as well. I was invited to be part of focus sessions to make the product better. That part has slowed down significantly though.
Read full review
Zoho
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.
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Scalability
Xero
I have yet to fully stress test the product given the size of the company where I am using it. I am sure as we scale to more customers, more vendors and more reporting requirements, I will have a better understanding of what it is capable of in terms of bandwidth and processing
Read full review
Zoho
No answers on this topic
Return on Investment
Xero
  • Saved many hours through automatic invoices and followups
  • Saved many hours by allowing transactions to start via bank feeds (ie I don't have to input a transaction and mark it against what is in the bank/cc account; rather, the transaction in the account is where you input the transaction into the books.
  • Has the scalability my business requires, and not much more.
Read full review
Zoho
  • 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.
Read full review
ScreenShots

Xero Screenshots

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Zoho Books Screenshots

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