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Xero vs Zoho Books Comparison

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Overview

Category Leaders

Xero is a cloud-based small business accounting software with tools for managing invoicing, bank reconciliation, inventory,...

Category Leaders

Zoho Books is an online accounting software designed to streamline back office operations, automate workflows, and allow...

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

Pricing

Starting from

$

5.50

/momonth
  • Free trial available
  • No credit card required
  • Free account
  • Subscription based

Starting from

$

15

/momonth
  • Free trial available
  • No credit card required
  • Free account
  • Subscription based

User reviews

4.3

5

4

3

2

1

1,168

544

182

57

74

  • Value for money
  • Ease of use
  • Features
  • Customer support
92%
would recommend this app

5

4

3

2

1

249

149

35

10

8

  • Value for money
  • Ease of use
  • Features
  • Customer support
94%
would recommend this app

Pros

I love the app and gives me accounting on the go. Helps me track invoices and profits with ease.

AR

Anonymous Reviewer

The ease of use and reputation are by far the greatest part of this product. In addition to this, the range of potential integrations is fantastic.

RC

Ryan C.

Really easy to submit expenses, categorise them and check the progress of you submitted expense - super easy to do all from the app.

HS

Holly S.

Pros

I also like that I can attach receipts to my expenses. I'm very thankful for Zoho Books and hope they continue to meet the needs of sole proprietors like me.

NB

Nikki B.

To conclude, Zoho Books is easy to understand and its configuration is quick and easy. The automation of the system is great and you save a lot of time.

CB

Cheikh B.

That said, the Zoho family of products are solid, so if you have need for an accounting product and you are familiar with accounting software, this product would be a great choice.

EY

Eric Y.

Cons

There are no delivery notes/packing slips. They tout a "workaround" but be warned, it's exactly 10 extra clicks so it's really not an option if you need this feature.

FM

Fergus M.

Our main complaint is that Xero stopped doing payroll in 2018, so now you have to pay an additional fee to a payroll processor such as Gusto.

Craig F.

Changing accounting software from Xero is a horrible experience. They make it very difficult to pivot to other software.

CB

Chaz B.

Cons

The payment plans are a little frustrating. The limits are on the number of contacts and as a business with lots of contacts and only one transaction often per contact it gets really expensive.

Verity M.

Bad automatic matching, paypal multi-currency feed all over the place.

KB

Kamron B.

The another problem of this software is that this software is very difficult for the new users and it is not so easy to learn how to handle our accounts and invoices.

Martin D.

  • Vendor responds to reviews
  • Last review13 days ago
  • Vendor responds to reviews
  • Last review15 days ago

Key features

  • Total features162
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Account Reconciliation
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Audit Trail
  • Automated Quoting
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Cataloging/Categorization
  • Charting
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collections Management
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Core Accounting
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Statements
  • Customizable Branding
  • Customizable Fields
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Visualization
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • Electronic Payments
  • Email Management
  • Email Templates
  • Estimating
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For CPA Firms
  • For Government
  • For Private Schools
  • For Special Education
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • K-12
  • Kitting
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Overpayment Processing
  • Overrun Reporting
  • PO Reconciliation
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Price / Margin Management
  • Pricing Management
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Projections
  • Purchase Order Management
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real Time Analytics
  • Real Time Data
  • Real Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reminders
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Revenue Recognition
  • Sales Reports
  • Sales Tax Management
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Stock Management
  • Supplier Management
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timesheet Management
  • Transaction History
  • Vacation/Leave Tracking
  • Vendor Management
  • Visual Analytics
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management
  • Workflow Management
  • Total features78
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Account Reconciliation
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Audit Trail
  • Automated Quoting
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Cataloging/Categorization
  • Charting
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collections Management
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Core Accounting
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Statements
  • Customizable Branding
  • Customizable Fields
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Visualization
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • Electronic Payments
  • Email Management
  • Email Templates
  • Estimating
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For CPA Firms
  • For Government
  • For Private Schools
  • For Special Education
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • K-12
  • Kitting
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Overpayment Processing
  • Overrun Reporting
  • PO Reconciliation
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Price / Margin Management
  • Pricing Management
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Projections
  • Purchase Order Management
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real Time Analytics
  • Real Time Data
  • Real Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reminders
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Revenue Recognition
  • Sales Reports
  • Sales Tax Management
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Stock Management
  • Supplier Management
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timesheet Management
  • Transaction History
  • Vacation/Leave Tracking
  • Vendor Management
  • Visual Analytics
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management
  • Workflow Management

Integrations

  • Total integrations1084
  • Authorize.net
  • Dynamics 365
  • FreshBooks
  • Magento Commerce
  • Microsoft Dynamics 365 Business Central
  • Microsoft Dynamics GP
  • Microsoft Excel
  • NetSuite
  • PayPal
  • QuickBooks Online
  • QuickBooks Online Advanced
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier
  • Total integrations96
  • Authorize.net
  • Dynamics 365
  • FreshBooks
  • Magento Commerce
  • Microsoft Dynamics 365 Business Central
  • Microsoft Dynamics GP
  • Microsoft Excel
  • NetSuite
  • PayPal
  • QuickBooks Online
  • QuickBooks Online Advanced
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier

User reviews that mention these apps

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Xero logo

Xero

Moving from Zoho Books

Reviewed 6 years ago

I started using Clientexec in-house version (year 2004) to generate invoices for our customers , then we move to Kbilling (year 2006) which is a standalone software, its a great software, but as it is not cloud based it is difficult to manage, then we move to Zoho Books (year 2013) which served most of our needs. I decided to give Xero a run as apparently it can integrate with lots of other apps. I am still trying to move data from Zoho books/Kbilling to Xero , May go back to Zoho Books...

Pros

Cloud based which allow many user to login to access system. Integrate with many appa

Cons

Not as easy to use as Zoho Books Cannot export data out Unable to sync banking in Singapore Unable to use Braintree as payment gateway Not easy to edit invoice template

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Xero logo

Xero

Great for accountants, confusing for business owners

Reviewed 5 years ago

From what I hear of people coming from Quickbooks, Xero is a full-featured breath of fresh air. But coming from Freshbooks, it's a nightmare of obscure settings, overly complex processes, and ugly/confusing interface. To be fair, I bank with a local credit union and so can't use the automatic bank reconciliation, which I see as removing a lot of the functionality from the program. Eventually I switched to Zoho Books and haven't looked back... although Zoho doesn't get much press I found it to have the depth of functionality of Xero with the ease-of-use and visually pleasing layout of Freshbooks.

Pros

- Built in budgeting software - Widely used by accountants and bookkeepers

Cons

- Steep learning curve for the non-professional - Tied to automatic bank feeds - Confusing support

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Zoho Books logo

Zoho Books

Simple, reasonable pricing

Reviewed 4 years ago
Pros

Zoho Books is a reasonable satisfactory accounting software for small and medium size businesses online

Cons

No integrations available and the functionality is not as user friendly as something like Quickbooks or Xero.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

Zoho Books logo

Zoho Books

95% Xero at 20% of the cost

Reviewed 5 years ago

Great functionality at a fantastic price.

Pros

The software is easy to use, stacks up well against Xero (the leading accounting package in use in Australia) for functionality, especially at a small-medium business level and at only 20% of the cost.

Cons

I'd like it to interface much more easily with external reporting packages, but that's endemic across the whole Zoho range (as they have their own reporting module)