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Xero vs Zoho Books

See how their public offers line up before you choose your own position. Prices stay in the currency, billing schedule, and charged unit each vendor publishes.

USD · US · source: www.xero.com

Plan Pricing Charged by Offer type
Early — default
USD 25 monthly · USD 25 / month with annual commitment

Then $25 per month

Flat · per month Standalone · Fixed
Growing — default
USD 55 monthly · USD 55 / month with annual commitment

Then $55 per month

Flat · per month Standalone · Fixed
Established — default Highlighted
USD 90 monthly · USD 90 / month with annual commitment

Then $90 per month

Flat · per month Standalone · Fixed

USD · US · source: www.zoho.com

Plan Pricing Charged by Offer type
Free
Free

$0 / free

Flat · per month Standalone · Free
Standard
USD 20 monthly · USD 15 / month with annual commitment

$20/month or $15/month billed annually

Flat · per month Standalone · Fixed
Professional
USD 50 monthly · USD 40 / month with annual commitment

$50/month or $40/month billed annually

Flat · per month Standalone · Fixed
Premium
USD 70 monthly · USD 60 / month with annual commitment

$70/month or $60/month billed annually

Flat · per month Standalone · Fixed
Elite
USD 150 monthly · USD 120 / month with annual commitment

$150/month or $120/month billed annually

Flat · per month Standalone · Fixed
Ultimate
USD 275 monthly · USD 240 / month with annual commitment

$275/month or $240/month billed annually

Flat · per month Standalone · Fixed

What each plan includes

Feature names follow each vendor’s own pricing page, so verify the wording before treating them as exact equivalents.

Xero

Early — default

Highlights

Send quotes and 20 invoices†

Included

Highlights

Accept online invoice payments^

Included

Highlights

5 bills

Included

Highlights

Reconcile bank transactions

Included

Highlights

Smart Document Capture

Included

Highlights

View real-time reports

Included

Highlights

W-9 + 1099 management

Included

Highlights

Sales tax

Included

Highlights

Visualize performance with basic graphs

Included

Highlights

30 day cash flow forecast

Included

Highlights

Make online bill payments (Domestic - Free ACH)

Included

Highlights

Make online bill payments (Cross Border)

Included

Growing — default

Highlights

Everything in Early, plus:

Included

Highlights

Send invoices and quotes

Included

Highlights

Automate bill entry and track bills

Included

Highlights

Auto-reconcile bank transactions

Included

Highlights

Visualize performance with graphs

Included

Highlights

60 day cash flow forecast

Included

Highlights

Customize performance dashboards

Included

Highlights

Tailored financial health scorecards

Included

Established — default

Highlights

Everything in Growing, plus:

Included

Highlights

180 day cash flow forecast

Included

Highlights

Analyze KPIs and ratios

Included

Highlights

Use multiple currencies

Included

Highlights

Track time and costs for projects

Included

Highlights

Employee expense and mileage claims

Included

Highlights

Benchmark against the industry

Included

Highlights

Make online bill payments (International)

Included

Zoho Books

Free

Plan card

Users

1 plus accountant

Included

Plan card

Invoices

1,000 annually

Included

Plan card

Bank reconciliation

Included

Standard

Plan card

Users

3

Included

Plan card

Bank feeds

Included

Plan card

Custom reports

Included

Professional

Plan card

Users

5

Included

Plan card

Inventory

Included

Plan card

Project profitability

Included

Premium

Plan card

Users

10

Included

Plan card

Budgets

Included

Plan card

Custom modules

Included

Elite

Plan card

Advanced inventory

Included

Plan card

Warehouses

Included

Plan card

Sales channels

Included

Ultimate

Plan card

Advanced analytics

Included

Plan card

Business KPIs

Included

Plan card

Analytics rows

3 million

Included

How their prices changed

Each dated row shows the public prices observed when that vendor’s pricing page changed.

Xero

  1. Source
    • Early — default: USD 25 monthly · USD 25 / month with annual commitment
    • Growing — default: USD 55 monthly · USD 55 / month with annual commitment
    • Established — default: USD 90 monthly · USD 90 / month with annual commitment

Zoho Books

  1. Source
    • Free: Free
    • Standard: USD 20 monthly · USD 15 / month with annual commitment
    • Professional: USD 50 monthly · USD 40 / month with annual commitment
    • Premium: USD 70 monthly · USD 60 / month with annual commitment
    • Elite: USD 150 monthly · USD 120 / month with annual commitment
    • Ultimate: USD 275 monthly · USD 240 / month with annual commitment