Xero vs Zoho Books
Quick verdict
As of 2026-09-04, Zoho Books is the cheaper accounting software tool, starting at $20/mo versus Xero at $25/mo. That's $5/mo less on the entry option. Zoho Books has a free plan; Xero does not. Xero has 3 priced options; Zoho Books has 5 priced options.
Xero starts at $25/mo and has no free plan. Zoho Books starts at $20/mo and has a free plan.
Xero's published priced options: Established, Growing, Early. Zoho Books's published priced options: Standard, Professional, Premium, Elite, Ultimate.
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Against the $21.50/mo median entry price across the 6 tools we track, Xero's $25/mo is 16% above and Zoho Books's $20/mo is 7% below. 4 of 6 accounting software tools include a free plan.
| Xero | Zoho Books | |
|---|---|---|
| Starts at | $25/mo | $20/mo |
| Free plan | ✗ | ✓ |
| Priced options | 3 | 5 |
| Pricing model | tiered | tiered |
| Visit site | Visit site → | Visit site → |
Sources: xero.com/us/pricing-plans, verified · zoho.com/us/books/pricing, verified
Xero — pros & cons
Pros
Cons
Zoho Books — pros & cons
Pros
Cons
Frequently asked questions
Is Xero or Zoho Books cheaper?
Zoho Books is cheaper to start. Xero begins at $25/mo and Zoho Books at $20/mo, a gap of $5/mo. Both usually bill less on an annual plan, so weigh yearly pricing before deciding. Every figure comes straight from our maintained, dated dataset, verified on 2026-09-04.
Does Xero or Zoho Books have a free plan?
Xero has no free plan and Zoho Books has a free plan. So Zoho Books is the one to try first if a free plan is a must-have for you. Every figure comes straight from our maintained, dated dataset, verified on 2026-09-04.
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