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: Xero starts at $2/mo, making it $1/mo cheaper than Zoho Books ($2.5/mo). Neither offers a free plan.
Last updated: August 31, 2026
Xero - Xero starts at $0.5/mo lower ($2/mo vs $2.5/mo).
Xero vs Zoho Books: Quick Pricing Facts
| Feature | Xero | Zoho Books |
|---|---|---|
| Starting Price | $2/mo | $2.5/mo |
| Number of Plans | 3 | 5 |
| Free Tier | No | No |
| Pricing Model | per-seat | per-seat |
| Annual Discount | N/A | N/A |
Xero is the more affordable option, starting at $2/mo compared to Zoho Books' $2.5/mo. Both are Accounting tools with 8 combined pricing plans and 32 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 Try free |  Zoho Books Try freeAffiliate |
|---|---|---|
| Tier 1 | Early $2/monthCheapest Includes
| Users $3/month |
| Tier 2 | Growing $5/monthCheapest Includes
| Document autoscans $8/month |
| Tier 3 | Established $9/monthCheapest Includes
| Locations $10/month |
| Tier 4 | - | Expense claim $7/monthCheapest |
| Tier 5 | - | BillPay $59/monthCheapest |
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Xero
Cloud-based accounting platform with unlimited users on every plan, designed for small businesses and accountants
View all Xero plansZoho Books
End-to-end accounting software with inventory, project tracking, and deep integration across the Zoho suite
View all Zoho Books plansFrequently Asked Questions: Xero vs Zoho Books
Which is cheaper, Xero or Zoho Books?
How many pricing plans does Xero have vs Zoho Books?
How do Xero and Zoho Books compare for Accounting?
Sources
- Xero Official Pricing- Vendor pricing page
- Zoho Books Official Pricing- Vendor pricing page
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