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Accounting

Xero vs Zoho Books: Pricing Comparison 2026

Side-by-side pricing comparison of Xero and Zoho Books. See all plans, features, and costs at a glance.

Bottom line: Zoho Books starts at $2.5/mo, making it $3/mo cheaper than Xero ($5/mo). Neither offers a free plan.

Last updated: July 6, 2026

Data compiled by Arthur Jacquemin
Updated July 6, 2026
Try Xero freeTry Zoho Books freeAffiliatePrice updated 11d agoUpdated this month
Best Value

Zoho Books - Zoho Books starts at $2.5/mo lower ($2.5/mo vs $5/mo), offers 5 tiers vs 3.

Xero vs Zoho Books: Quick Pricing Facts

FeatureXeroZoho Books
Starting Price$5/mo$2.5/mo
Number of Plans35
Free TierNoNo
Pricing Modelper-seatper-seat
Annual DiscountN/AN/A

Zoho Books is the more affordable option, starting at $2.5/mo compared to Xero's $5/mo. Both are Accounting tools with 8 combined pricing plans and 46 features compared.

Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your Accounting needs.

Pricing Plans
Xero
Zoho Books
Zoho Books
Try freeAffiliate
Tier 1
Established
$18/month
Includes
  • IncludedSend invoices and quotes
  • IncludedAccept online invoice payments^
  • IncludedAutomate bill entry and track bills
  • IncludedAuto-reconcile bank transactions (Beta)
  • IncludedSmart Document Capture
  • IncludedView real-time reports
  • IncludedW-9 + 1099 management
  • IncludedSales tax
  • IncludedVisualize performance with graphs
  • Included180 day cash flow forecast
  • IncludedMake online bill payments (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
  • IncludedCustomize performance dashboards
  • IncludedTailored financial health scorecards
  • IncludedAnalyze KPIs and ratios
  • IncludedUse multiple currencies
  • IncludedTrack time and costs for projects
  • IncludedEmployee expense and mileage claims
  • IncludedBenchmark against the industry
  • IncludedMake online bill payments (International)
Start with Established
Users
$3/monthCheapest
Start with Users
Tier 2
Growing
$11/month
Includes
  • IncludedSend invoices and quotes
  • IncludedAccept online invoice payments^
  • IncludedAutomate bill entry and track bills
  • IncludedAuto-reconcile bank transactions (Beta)
  • IncludedSmart Document Capture
  • IncludedView real-time reports
  • IncludedW-9 + 1099 management
  • IncludedSales tax
  • IncludedVisualize performance with graphs
  • Included60 day cash flow forecast
  • IncludedMake online bill payments (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
  • IncludedCustomize performance dashboards
  • IncludedTailored financial health scorecards
Start with Growing
Document autoscans
$8/monthCheapest
Start with Document autoscans
Tier 3
Early
$5/monthCheapest
Includes
  • IncludedSend quotes and 20 invoices†
  • IncludedAccept online invoice payments^
  • Included5 bills
  • IncludedReconcile bank transactions
  • IncludedSmart Document Capture
  • IncludedView real-time reports
  • IncludedW-9 + 1099 management
  • IncludedSales tax
  • IncludedVisualize performance with basic graphs
  • Included30 day cash flow forecast
  • IncludedMake online bill payments (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
Start with Early
Locations
$10/month
Start with Locations
Tier 4
-
Expense claim
$7/monthCheapest
Start with Expense claim
Tier 5
-
BillPay
$59/monthCheapest
Start with BillPay

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Xero

Cloud-based accounting platform with unlimited users on every plan, designed for small businesses and accountants

View all Xero plans

Zoho Books

End-to-end accounting software with inventory, project tracking, and deep integration across the Zoho suite

View all Zoho Books plans

Frequently Asked Questions: Xero vs Zoho Books

Which is cheaper, Xero or Zoho Books?
As of July 2026, Zoho Books starts at a lower price point. Xero starts at $5/mo while Zoho Books starts at $2.5/mo. However, the best value depends on the features you need at each tier.
How many pricing plans does Xero have vs Zoho Books?
Xero offers 3 pricing plans, while Zoho Books offers 5 plans. More plans typically means more flexibility to match your exact needs and budget.
How do Xero and Zoho Books compare for Accounting?
Both Xero and Zoho Books are Accounting tools. Xero offers 3 plans starting at $5/mo, while Zoho Books offers 5 plans starting at $2.5/mo. Review the feature breakdowns above to see which better fits your Accounting needs.
AI Recommendations

Sources

  1. Xero Official Pricing- Vendor pricing page
  2. Zoho Books Official Pricing- Vendor pricing page

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