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 Expense
Score 8.3 out of 10
N/A
Zoho Expense is online expense reporting software, tailor-made for businesses worldwide to automate expense report creation, streamline approvals and make swift reimbursements.N/A
Pricing
XeroZoho Expense
Editions & Modules
Early
$13
per month
Growing
$37
per month
Established
$70
per month
No answers on this topic
Offerings
Pricing Offerings
XeroZoho Expense
Free Trial
YesNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
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/month
More Pricing Information
Features
XeroZoho Expense
Payroll Management
Comparison of Payroll Management features of Product A and Product B
Xero
7.7
73 Ratings
3% above category average
Zoho Expense
-
Ratings
Pay calculation7.965 Ratings00 Ratings
Benefit plan administration8.123 Ratings00 Ratings
Direct deposit files7.849 Ratings00 Ratings
Salary revision and increment management7.741 Ratings00 Ratings
Reimbursement management7.254 Ratings00 Ratings
Customization
Comparison of Customization features of Product A and Product B
Xero
7.5
128 Ratings
6% above category average
Zoho Expense
-
Ratings
API for custom integration7.779 Ratings00 Ratings
Plug-ins7.4115 Ratings00 Ratings
Security
Comparison of Security features of Product A and Product B
Xero
8.0
163 Ratings
0% above category average
Zoho Expense
-
Ratings
Single sign-on capability7.272 Ratings00 Ratings
Role-based user permissions8.8161 Ratings00 Ratings
Reporting & Analytics
Comparison of Reporting & Analytics features of Product A and Product B
Xero
8.1
184 Ratings
7% above category average
Zoho Expense
-
Ratings
Dashboards8.0180 Ratings00 Ratings
Standard reports8.3183 Ratings00 Ratings
Custom reports8.1163 Ratings00 Ratings
General Ledger and Configurable Accounting
Comparison of General Ledger and Configurable Accounting features of Product A and Product B
Xero
7.4
193 Ratings
0% below category average
Zoho Expense
-
Ratings
Accounts payable8.8180 Ratings00 Ratings
Accounts receivable9.0181 Ratings00 Ratings
Cash management8.1165 Ratings00 Ratings
Bank reconciliation9.1188 Ratings00 Ratings
Expense management8.0171 Ratings00 Ratings
Time tracking7.962 Ratings00 Ratings
Fixed asset management7.9117 Ratings00 Ratings
Multi-currency support7.7112 Ratings00 Ratings
Multi-division support7.594 Ratings00 Ratings
Regulations compliance8.396 Ratings00 Ratings
Electronic tax filing8.997 Ratings00 Ratings
Self-service portal7.8108 Ratings00 Ratings
Global Financial Support6.453 Ratings00 Ratings
Primary and Secondary Ledgers7.451 Ratings00 Ratings
Intercompany Accounting5.840 Ratings00 Ratings
Localizations8.039 Ratings00 Ratings
Journals and Reconciliations9.390 Ratings00 Ratings
Enterprise Accounting4.033 Ratings00 Ratings
Configurable Accounting5.459 Ratings00 Ratings
Centralized Rules Framework4.833 Ratings00 Ratings
Standardized Processes5.859 Ratings00 Ratings
Inventory Management
Comparison of Inventory Management features of Product A and Product B
Xero
6.5
88 Ratings
8% below category average
Zoho Expense
-
Ratings
Inventory tracking6.484 Ratings00 Ratings
Automatic reordering6.924 Ratings00 Ratings
Location management6.829 Ratings00 Ratings
Manufacturing module6.216 Ratings00 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
Xero
6.8
89 Ratings
8% below category average
Zoho Expense
-
Ratings
Pricing6.762 Ratings00 Ratings
Order entry6.856 Ratings00 Ratings
Credit card processing7.258 Ratings00 Ratings
Cost of goods sold7.266 Ratings00 Ratings
Order Orchestration6.521 Ratings00 Ratings
End-to-end order visibility6.424 Ratings00 Ratings
Order exception Resolution6.517 Ratings00 Ratings
Expense Management
Comparison of Expense Management features of Product A and Product B
Xero
-
Ratings
Zoho Expense
6.3
2 Ratings
24% below category average
Employee Expense Reporting00 Ratings8.52 Ratings
Corporate Card Reconciliation00 Ratings4.02 Ratings
Payment Management
Comparison of Payment Management features of Product A and Product B
Xero
-
Ratings
Zoho Expense
7.7
2 Ratings
4% below category average
Customizable Approval Policies00 Ratings7.52 Ratings
Financial Document Management00 Ratings8.01 Ratings
Payment Status Tracking00 Ratings7.52 Ratings
Payment Audit Trail00 Ratings8.01 Ratings
Duplicate Bill Detection00 Ratings6.02 Ratings
Advanced OCR00 Ratings9.01 Ratings
Electronic Funds Transfer00 Ratings8.02 Ratings
Best Alternatives
XeroZoho Expense
Small Businesses
QuickBooks Self-Employed
QuickBooks Self-Employed
Score 9.1 out of 10
Dext Prepare (with Receipt Bank)
Dext Prepare (with Receipt Bank)
Score 9.1 out of 10
Medium-sized Companies
Accounting Seed
Accounting Seed
Score 8.3 out of 10
BILL Spend & Expense
BILL Spend & Expense
Score 8.8 out of 10
Enterprises
Oracle Fusion Cloud ERP
Oracle Fusion Cloud ERP
Score 8.1 out of 10
Webexpenses
Webexpenses
Score 8.5 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
XeroZoho Expense
Likelihood to Recommend
8.6
(208 ratings)
7.6
(6 ratings)
Likelihood to Renew
9.9
(32 ratings)
-
(0 ratings)
Usability
8.8
(133 ratings)
10.0
(2 ratings)
Availability
9.0
(10 ratings)
-
(0 ratings)
Performance
10.0
(8 ratings)
-
(0 ratings)
Support Rating
9.0
(36 ratings)
10.0
(3 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
(93 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 Expense
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.
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Zoho
Zoho Expense is wonderful when you have a distributed or remote team or workforce that needs to submit expenses reports throughout the month into a single software and approval system. Zoho Expense does make it easy to train, onboard, and use all of the end-user features for submitting and generating expense reports.
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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.
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Zoho
  • The program will notify users if they have entered a duplicate charge.
  • Once the end-users understood that receipts were mandatory, attaching those receipts has become second-nature. The app makes it very easy to do so.
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Cons
Xero
  • Occasionally, the price increases and I feel that prices should be fixed for long-term users as there are very few changes in the software from when I started using it 6 years ago.
  • It would be useful to have the emails sent with invoices saved.
  • Visual dashboards are limited.
Read full review
Zoho
  • Could have more default options. Instead of making my users select payment method, allow us to default it to one of the options.
  • More room for customization by department. My service department needs different categories of expenses then my sales department.
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.
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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!
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Zoho
Probably the easiest Zoho Application to setup, which is to say quite easy. No user has complained about it being difficult. Admin staff like it as well.
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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.
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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 only reason I give Zoho a 9 is because of the issue with the Chart of Accounts skewing every time I export/import. I believe this is due to the fact that I use sub-accounts and Zoho cannot differentiate. Still hoping. :)
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In-Person Training
Xero
The format was great; someone was there to ask questions or help if you were stuck.
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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.
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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.
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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.
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Zoho
I've used Concur in the past for managing and submitting expenses. When comparing what I know about Zoho to Concur, Zoho seems to be a more simplified tool focused on simply managing expenses, inputting, tracking, submitting and getting reimbursed. Based on what I know, Zoho gets the job done with no frills.
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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
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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.
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Zoho
  • We have had some issues with the credit card reconciliation process which has made our monthly accounting / close process. This has been a negative
  • Positive ROI is that team members spend less time on expense reports due to the ease of reporting
  • Positive ROI is that substantial training and onboarding is not needed due to the features and simplicity.
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ScreenShots

Xero Screenshots

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