Compare Xero and Zoho Books 
At a Glance
Market Segments
Small-Business (78.3% of reviews)
Small-Business (68.2% of reviews)
Entry-Level Pricing
$13.00 Per Month
$0 For businesses with turnover <50K USD per annum
Xero
Star Rating
(726)4.3 out of 5
Market Segments
Small-Business (78.3% of reviews)
Entry-Level Pricing
$13.00 Per Month
Free Trial is available
Browse all 3 pricing plansZoho Books
Star Rating
(302)4.4 out of 5
Market Segments
Small-Business (68.2% of reviews)
Entry-Level Pricing
$0 For businesses with turnover <50K USD per annum
Browse all 4 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- Users report that Xero excels in "Bank / Credit Card Integration" with a score of 8.7, making it easier for small businesses to manage their finances seamlessly. In contrast, Zoho Books, while still strong, has a slightly lower score of 8.4 in this area, indicating that users may find Xero's integration capabilities more robust.
- Reviewers mention that Zoho Books shines in "Ease of Use" with a score of 9.0, which suggests that new users may find it more intuitive compared to Xero's score of 8.7. This could be particularly beneficial for small businesses without dedicated accounting staff.
- G2 users highlight Xero's superior "Digital Invoices" feature, scoring 8.5, which allows for easy customization and delivery. Users on G2 have noted that this feature enhances their invoicing process significantly compared to Zoho Books' score of 8.2.
- Reviewers say that Zoho Books offers better "Recurring Billing" functionality, scoring 8.7, which is crucial for businesses with subscription models. Xero's score of 8.3 indicates that while it is effective, it may not be as user-friendly for managing recurring payments.
- Users report that Xero's "Quality of Support" is rated at 7.8, which some find lacking compared to Zoho Books' score of 8.3. This difference suggests that users may experience more responsive and helpful support with Zoho Books when issues arise.
- Users on G2 mention that Xero's "Expense Reports" feature, with a score of 7.9, could be improved, especially in "Smart Categorization" which scored 7.8. In contrast, Zoho Books has a higher score in this area, indicating a more efficient expense management process that users appreciate.
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Pricing
Entry-Level Pricing
Xero
Starter / Early
$13.00
Per Month
Good for sole traders, new businesses, and the self-employed.
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions
Zoho Books
FREE
$0
For businesses with turnover <50K USD per annum
- 1 User + 1 Accountant
- Manage Clients
- Manage Invoices (Up to 1,000)
Free Trial
Xero
Free Trial is available
Zoho Books
Free Trial is available
Ratings
Meets Requirements
8.5
577
8.8
263
Ease of Use
8.7
594
9.0
268
Ease of Setup
8.2
296
8.7
131
Ease of Admin
8.6
243
9.0
114
Quality of Support
7.7
517
8.3
254
Has the product been a good partner in doing business?
8.4
237
8.8
113
Product Direction (% positive)
8.2
562
9.3
254
Features by Category
Expense Reports
7.8
68
Not enough data
8.6
66
Not enough data
7.7
59
Not enough data
8.1
63
Not enough data
7.7
62
Not enough data
7.8
59
Not enough data
8.2
60
Not enough data
Travel Management
7.5
59
Not enough data
6.2
55
Not enough data
5.6
53
Not enough data
7.1
56
Not enough data
Client Invoicing
8.7
65
Not enough data
8.4
61
Not enough data
7.8
62
Not enough data
Mobile
7.7
63
Not enough data
6.6
52
Not enough data
6.0
52
Not enough data
Platform
6.8
54
Not enough data
6.7
56
Not enough data
Administration
7.0
49
Not enough data
Administration
7.9
68
Not enough data
7.8
66
Not enough data
7.7
67
Not enough data
7.6
61
Not enough data
8.2
68
Not enough data
Platform
8.2
71
Not enough data
8.2
62
Not enough data
7.7
59
Not enough data
8.7
69
Not enough data
7.5
60
Not enough data
5.7
56
Not enough data
General Ledger
8.4
306
|
Verified
8.6
127
|
Verified
7.8
272
|
Verified
8.2
115
8.3
284
|
Verified
8.4
125
|
Verified
Accounts Receivable
8.4
320
|
Verified
8.6
136
8.0
235
8.2
125
|
Verified
7.8
258
|
Verified
8.0
123
|
Verified
Accounts Payable
8.1
233
8.3
113
8.4
290
|
Verified
8.6
128
|
Verified
8.1
268
|
Verified
8.6
129
|
Verified
Other Functionality
7.3
218
8.2
114
|
Verified
7.4
222
8.1
116
|
Verified
7.4
214
|
Verified
8.0
114
|
Verified
7.4
241
|
Verified
8.3
118
|
Verified
8.1
270
|
Verified
8.1
114
8.8
315
|
Verified
8.5
125
|
Verified
7.8
251
|
Verified
8.0
109
7.9
258
8.4
118
|
Verified
Reporting & Analytics
8.7
326
|
Verified
8.8
132
|
Verified
8.4
310
|
Verified
8.5
121
|
Verified
7.8
233
|
Verified
8.2
117
|
Verified
8.5
325
|
Verified
8.7
135
|
Verified
Platform
7.8
280
|
Verified
8.3
126
|
Verified
7.8
270
8.3
127
|
Verified
8.4
313
|
Verified
8.9
131
|
Verified
8.0
237
|
Verified
8.4
116
|
Verified
8.7
319
|
Verified
8.9
130
|
Verified
8.4
282
|
Verified
8.5
127
|
Verified
Integration
8.4
299
|
Verified
8.7
123
|
Verified
8.4
224
8.2
120
8.2
262
|
Verified
8.3
117
|
Verified
Cash Flow
8.2
193
|
Verified
8.6
115
|
Verified
8.7
214
|
Verified
9.0
118
|
Verified
8.4
194
|
Verified
8.8
115
|
Verified
Budgeting & Forecasting
7.8
233
|
Verified
8.2
117
|
Verified
8.3
190
|
Verified
8.5
114
|
Verified
7.8
162
|
Verified
7.9
103
|
Verified
8.1
188
|
Verified
8.3
108
|
Verified
Revenue
8.5
200
|
Verified
8.6
110
|
Verified
8.3
194
|
Verified
8.6
106
|
Verified
7.7
171
|
Verified
8.0
105
|
Verified
Payroll
7.8
155
|
Verified
7.9
93
|
Verified
7.2
147
|
Verified
7.5
90
|
Verified
8.1
181
|
Verified
8.2
106
|
Verified
8.6
192
|
Verified
8.7
106
|
Verified
AI
6.1
27
6.5
8
6.2
27
7.8
9
6.3
27
7.8
9
5.8
27
6.0
8
6.2
28
7.5
8
5.4
26
7.5
8
7.3
27
8.0
9
6.9
25
8.3
9
6.0
26
6.7
9
6.2
26
6.3
9
Mobile Applications - Accounting
5.6
6
Not enough data
6.1
6
Not enough data
5.0
6
Not enough data
5.3
6
Not enough data
6.4
6
Not enough data
6.7
6
Not enough data
General Ledger
8.4
306
|
Verified
8.6
127
|
Verified
7.8
272
|
Verified
8.2
115
8.3
284
|
Verified
8.4
125
|
Verified
Accounts Receivable
8.4
320
|
Verified
8.6
136
8.0
235
8.2
125
|
Verified
7.8
258
|
Verified
8.0
123
|
Verified
Accounts Payable
8.1
233
8.3
113
8.4
290
|
Verified
8.6
128
|
Verified
8.1
268
|
Verified
8.6
129
|
Verified
Invoice Generation
7.9
76
Not enough data
8.5
75
Not enough data
8.6
72
Not enough data
Invoice Processing
7.9
71
Not enough data
8.0
72
Not enough data
7.4
72
Not enough data
8.5
79
Not enough data
Analytics
8.4
74
Not enough data
8.0
74
Not enough data
7.5
68
Not enough data
8.3
76
Not enough data
Integration
8.9
80
Not enough data
8.4
75
Not enough data
7.4
68
Not enough data
8.1
77
Not enough data
Multichannel inventory management
7.9
23
Not enough data
8.3
23
Not enough data
7.7
23
Not enough data
3PL inventory management
8.6
24
Not enough data
8.0
24
Not enough data
8.1
23
Not enough data
Inventory Management
8.5
24
Not enough data
8.1
24
Not enough data
8.2
23
Not enough data
8.0
23
Not enough data
8.8
23
Not enough data
Inventory Management Platform Features
8.3
24
Not enough data
8.6
25
Not enough data
7.9
25
Not enough data
7.8
23
Not enough data
7.8
23
Not enough data
8.3
26
Not enough data
8.0
24
Not enough data
8.6
23
Not enough data
8.9
25
Not enough data
9.1
25
Not enough data
Bill Generation
7.5
72
8.5
97
8.1
74
8.7
98
8.1
75
8.7
94
Bill Processing
7.2
74
8.6
98
7.8
73
8.4
93
8.0
74
8.7
102
Integration
8.6
83
8.9
102
8.2
77
8.9
99
7.0
67
8.5
89
Categories
Categories
Shared Categories
Xero and Zoho Books are categorized as Billing and Accounting
Unique Categories
Xero is categorized as Invoice Management, Inventory Control, Expense Management, and Nonprofit Accounting
Zoho Books has no unique categories
Reviews
Reviewers' Company Size
Xero
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Zoho Books
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
24.7%
Computer Software
8.7%
Information Technology and Services
7.8%
Marketing and Advertising
5.9%
Financial Services
3.4%
Other
49.5%
Information Technology and Services
18.5%
Accounting
14.4%
Computer Software
7.5%
Marketing and Advertising
6.5%
Education Management
2.7%
Other
50.3%
Most Helpful Reviews
Xero
Most Helpful Favorable Review
Dave O.
Verified User in Telecommunications
I switched from Quickbooks because Xero is online. Since then I've grown to love many other things compared to Quickbooks. Bank feeds make data entry minimal and bank recs easy. Xero is rapidly growing and improving. Some features were limited a few years...
Most Helpful Critical Review
Dimitri S.
Verified User in Broadcast Media
As business grew I noticed most features felt unpolished and were lacking functionality that would make them feel complete. To add the functionality that you expect would have been built in required several apps each with their own monthly fee. Some...
Zoho Books
Most Helpful Favorable Review
Romil D.
Verified User in Computer Software
Its is very simple and user friendly. The way it is organised, you can learn it in couple of hours and then its a breeze to use & navigate. I have been using it for past 2 years and I haven't come across any thing which needed professional help. Zoho Team...
Most Helpful Critical Review
Chris P.
Verified User in Real Estate
More complicated for simple needs, not complex enough for moderate to complex bookkeeping.
Dave O.
Verified User in Telecommunications
I switched from Quickbooks because Xero is online. Since then I've grown to love many other things compared to Quickbooks. Bank feeds make data entry minimal and bank recs easy. Xero is rapidly growing and improving. Some features were limited a few years...
Romil D.
Verified User in Computer Software
Its is very simple and user friendly. The way it is organised, you can learn it in couple of hours and then its a breeze to use & navigate. I have been using it for past 2 years and I haven't come across any thing which needed professional help. Zoho Team...
Dimitri S.
Verified User in Broadcast Media
As business grew I noticed most features felt unpolished and were lacking functionality that would make them feel complete. To add the functionality that you expect would have been built in required several apps each with their own monthly fee. Some...
Chris P.
Verified User in Real Estate
More complicated for simple needs, not complex enough for moderate to complex bookkeeping.
Alternatives
Discussions
We run almost everything on Xero ourselves but can you recommend a remote bookkeeper who understands UK tax issues who I can consult occasionally to sort things out for me in the system.
2 comments
IC
Xero's advisor directory can help you find an accountant nearby.Read more
What is Xero software used for?
2 comments
BA
The process of recording financial transactions and managing financial records.Read more
Is XERO a good accounting software?
2 comments
RB
Xerox is user-friendly accounting software. Read more
Are Zoho Books good?
2 comments
DV
They are certainly amongst the top-tier !! They stand out in many ways. Very attractive and intuitive UI (web as native desktop and mobile), very stable...Read more
How to use Zoho books dashboard effectively??
1 comment
KR
Understand the bar diagram of monthly income and expenses to analyse the company performance monthly Read more
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