Xero vs Zoho Books

Two accounting tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	XeroXero Ltd	Zoho BooksZoho
In one line	Cloud accounting with unlimited users on every plan	Free for small revenue, strong with the Zoho suite
Starting price	From $27/mo	Free
Six-person team	$27/mo	$0/mo
Plans	Early $27/mo (20 invoices); Growing $59/mo; Established $97/mo; unlimited users, no per-user fees; intro offers often cut the first 3 months	Free under $50k revenue; Standard $15/mo; Professional $40/mo; Premium $60/mo; Elite $120/mo; Ultimate $240/mo (billed annually)
Pricing model	Free trial	Free tier
Free trial	30 days	—
Users	Unlimited	1 on free; 3 on Standard
Both connect to	Square POS, Stripe Invoicing, Ramp, Helcim, Zoho Expense, PayPal Invoicing, Wise Business, Payoneer Workforce Management
Also connects to	Shopify POS, Gusto, Rippling, Deel, Shopify, Mercury, Relay, Bluevine +24 more1,000+ listed by the vendor	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US · UK · CA · AU	US · UK · CA · AU
Phone support	None listed	Standard and up
Live chat	None listed	Standard and up
Support hours	Web form: 24/7	Email: Monday to Friday, 9 am to 9 pm ET · Phone: Mon- Fri ( 9:00AM to 9:00PM ET )
Incidents posted	26 incidents posted on Xero Ltd's status page, which covers all Xero Ltd products and regions, in the 90 days to Oct 27, 2026; 10 marked major or critical by Xero Ltd. Status page	Zoho has a public status page. Status page
Capterra score	4.4 / 5 from 3,332 reviews	4.4 / 5 from 681 reviews
Trustpilot score	4.1 / 5 from 11,478 reviews	Not listed
Fit: Retail shop	84	66
Fit: Restaurant or café	80	55
Fit: Service business	88	75
Fit: Agency or studio	90	72
Fit: Trades or contractor	84	65
Fit: Online store	85	70
Why people pick it	Unlimited users Clean interface Good for multi-currency	Generous free tier Deep Zoho ecosystem
Where it falls short	Early plan limits are tight Fewer US accountants use it	Fewer accountants know it UI is dense
	Visit Xero ↗	Visit Zoho Books ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices