Zoho Books Pricing, Features, Reviews & Comparison of Alternatives

Zoho Books

Online accounting software for growing businesses

4.38/5 (423 reviews)

Zoho Books overview

What is Zoho Books?

Zoho Books is a smart online accounting software designed to help businesses streamline their back office operations, automate business workflows, and help securely collaborate with accountants online. It is designed for all business sizes, from small businesses to large enterprises, and can be used by services, consulting, and marketing companies. The accounting solution offers a range of features including cash flow management, invoicing, including one-off or recurring invoice generation, balance sheet management, inventory management, purchase order management, expense tracking, automated workflow creation, and much more.

With the inventory feature, retail businesses can keep track of their stock and make smart purchase decisions. Zoho Books allows users to invoice their clients in their currency and it's also available in 11 languages.Using Zoho as an accounting tool, businesses can gain a clear picture of how much money their business is generating. Users can manage customers and invoice them either online or by mail, automate recurring invoices, set up payment reminders and payment thank-you notes, and get paid faster with online payment gateways. Businesses can manage and control expenses and cash outflow with Zoho Books and record invoices and commitments for purchases, services, and even for reimbursable expenses like client travel.

With Zoho Books accounting software, users can share -or delegate- accounting duties to anyone in the organization, but set different permissions for employees. Get professional help with accounting by easily sharing your books with your accountant or financial advisor. Record and monitor bank and credit card transactions like deposits, fund transfers, checks, expenses, credits, and refunds. Easily reconcile them with bank and credit card statements. Zoho Books facilitates integration with other Zoho apps including Zoho Sign, Zoho CRM, Zoho Inventory, Zoho Analytics, and more, as well as third party solutions such as PayPal, Stripe, G Suite, Dropbox, Slack, and more.


Starting from
Pricing options
Free trial
Value for money
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Business size



United States, Canada, United Kingdom, Australia, China and 3 other markets, India, Japan, Germany

Supported languages

English, Chinese (Simplified), Dutch, French, German and 5 other languages, Italian, Japanese, Portuguese, Spanish, Swedish
Zoho Books screenshot: Zoho Books dashboardZoho Books in a NutshellZoho Books screenshot: Zoho Books bankingZoho Books screenshot: Zoho Books estimatesZoho Books screenshot: Zoho Books remindersZoho Books screenshot: Zoho Books invoice creation

Zoho Books user reviews

Value for money
Ease of use
Customer support
Deepak Banga

Great Collaboration

Used daily for 2+ years
Reviewed 2019-10-09
Review Source: Capterra

Great experience although after 2 years we are still learning, it is good for indian accounting system

The statement download from bank and reconciliation option is great GST filing options are great Dashboard is very well designed Android application is very useful

I would have prefered if it has quotation sending options also Process sometimes seems too long for creating manual vouchers

Rating breakdown

Value for money
Ease of use
Customer support

Likelihood to recommend: 10/10

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Eric Young

Great Product For Those Who Know Accounting

Used occasionally for 6-12 months
Reviewed 2020-10-19
Review Source: Capterra

My overall experience with Zoho Book was positive. I switched from Zoho Books to Bill4Time because I wanted a program that would keep track of time and expenses for hourly clients, track contingency fee clients, provide trust accounting, and generate invoices. Zoho Books would be able to do all of those tasks with the exception of contingency fee tracking. There was no easy way in Zoho to keep track of projects that were not hourly, flat, or on a set budget. 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.

I liked best the many features that Zoho Books provides. In terms of accounting software, this product does just about everything. I also liked being part of the Zoho suite of products, all of which are quite good. The product is stable, and the company offers solid tech support.

I purchased Zoho Books to use in my small business after using Zoho Invoice. I wanted a product that would do more than just invoice clients, such as track projects and accounting. However, I am not an accountant. The thing I liked least about Zoho Books is that, if you are not familiar with accounting, the product may seem unnecessarily complicated. There is definitely a learning curve with this product that I have not experienced with other Zoho products.

Rating breakdown

Value for money
Ease of use
Customer support

Likelihood to recommend: 7/10

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Michael Mutale

Zoho Books

Used daily for less than 6 months
Reviewed 2021-02-11
Review Source: Capterra

Zoho is very user friendly and once you have used any other accounting software it's easy to get up and running with Zoho Books.

Ease of use, it has all the features I was looking for in an accounting application. The security is another factor I like Zoho Books.

I wish there could be a way to get transactions directly firm wave accounting app.

Rating breakdown

Value for money
Ease of use
Customer support

Likelihood to recommend: 6/10

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Cassi H

It's easy to use but that's as far as it goes

Used daily for 6-12 months
Reviewed 2018-12-18
Review Source: Capterra

The overall experience with Zoho Books has been disappointing. We were told that they were capable of so much more than what they seem to be able to deliver on. There's no real good workflow capabilities and no real way to automate processes that the user imports over and over again. If you're just starting out and don't have many sales (especially online sales) or a big budget, this is great accounting software for the value. The fact that the software developers are unable to transfer books from their own platform to an upgraded version or new version of it makes it completely incompatible with any business that is hoping to scale or merge with another company unless you have a bunch of extra staff or hours on your hands as you will be importing every transaction one by one manually.

It's easy to use if you're doing simple bookkeeping

This software is not made for those wanting to automate as much of the workflow as possible. It is also not for businesses hoping to scale with the software. The software link to the bank account and credit card frequently breaks leaving the user to have to sync manually. I have contacted customer service regarding this issue but there does not seem to be a solution. If you're looking to upgrade from a beta or lower version of books to a newer version, Zoho is not capable of transferring your old books to a new account so the user is left having to manually important each entry one by one which is ridiculous and tedious. I cannot understand why the software developer is unable to do this simple task when they were able to do it when transferring the books from Xero or QuickBooks. I’m glad others are having such success with the software but from my standpoint as an accountant I just do not see the value of the software for any company looking to scale in a digital world of eCommerce and automation, especially if the company is utilizing Amazon’s platform. The workaround I have had to implement to balance the account receivables and payables from those sales instead of having a successful either add-on or API like those of QuickBooks and Xero has also resulted in extra work which could all be automated if only the software had the capability.

Rating breakdown

Value for money
Ease of use
Customer support

Likelihood to recommend: 2/10

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Bob Meyer

great option for accounting software

Used daily for 1-2 years
Reviewed 2020-11-17
Review Source: Capterra

There's been a little bit of a learning curve - there are a few things that are just done a little differently than in other software. However, I've been able to accomplish everything I had in previous software. The most significant aspect to me, though, has been that Zoho offers a lot of accompanying software - i.e., not software that's needed to make Books work, but software with complementary uses - without seeming like they're trying to squeeze every last dollar out of me. Quite unlike Intuit.

It does everything that I need it to do, and for far less than it's competition.

There are a couple things that could be streamlined, although they don't lessen to actual functioning of the software.

Rating breakdown

Value for money
Ease of use
Customer support

Likelihood to recommend: 10/10

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Zoho Books pricing

Starting from
Pricing options
Free trial
View Pricing Plans

Start with the 14-day free trial and later subscribe to a plan that fits your business needs.
Zoho Books is available in 3 plans:
Basic - $9 per organization, per month or $90 per organization, per year.
Standard - $19 per organization, per month or $190 per organization, per year.
Professional - $29 per organization, per month or $290 per organization, per year.

Zoho Books features

Accounting Management
Billing & Invoicing
Electronic Payments
Expense Tracking
Financial Analysis
Invoice Management
Invoice Processing
Real Time Data
Reporting & Statistics
Workflow Management

Accounting Integration (188 other apps)
Activity Dashboard (296 other apps)
Audit Trail (169 other apps)
Automatic Notifications (190 other apps)
Compliance Management (238 other apps)
Customizable Reporting (194 other apps)
Data Import/Export (226 other apps)
Third Party Integration (269 other apps)

Security and privacy


Encryption of sensitive data at rest
HTTPS for all pages

Access control

Multi-factor authentication options
This will ask you to sign in with LinkedIn

GetApp Analysis

As the number of small businesses and sole proprietorships has grown, a demand has emerged for easy-to-use, affordable software. Zoho Books makes the process both easy and affordable, giving SMBs and freelancers the ability to invoice clients, keep track of expenses and income, and get paid more quickly.

Because Zoho Books is cloud-based, all activity is conducted online, making it accessible from any internet-connected device. This also allows multiple team members to manage finances, ensuring business continues uninterrupted while someone is on vacation or busy with other tasks.

What is Zoho Books?

Many key business decisions are made based on finances. Zoho Books gives businesses complete visibility into the condition of their books, while also automating mundane tasks like sending invoices and tracking payments.

Designed specifically for freelancers and small businesses, Zoho Books recognizes that each business has its own unique needs. For that reason, the software prompts users to customize invoices to include discounts, add shipping costs, include sales personnel names for commission purposes, and more.

Who is Zoho Books For?

Zoho Books sets itself apart from other accounting solutions because it’s designed for freelancers and small business owners. The interface is easy to use, making Zoho Books a solution that even a person who isn’t financially minded can understand.

Among Zoho Books’ many clients are accountants, business owners, freelancers, designers, photographers, writers, marketing professionals, interior designers and many more. Because it integrates easily with Zoho CRM, it can help sales people quickly learn the credit status of each client within Zoho CRM.

Main Features

Create Invoices

Zoho Books automates the process of sending invoices to customers, allowing information to be entered directly into a customizable template that represents a business’s brand. Taxes and discounts can be applied to the invoice to the business’s specifications. With Price Lists, businesses can input up-to-date information on their pricing for both internal and external users. Projects and Time Sheets give businesses the ability to track time and stay on budget, ensuring they are compensated for the work they do.

Once the invoice has been completed, it can be emailed or sent by snail mail. After creation, the invoice is also saved in the business’s database for future reference.

Send Estimates

Before a customer can be invoiced, he must first agree to do the work. The first step of any job is to provide a cost estimate to the customer, which then gives him the information he needs to make a decision to hire a business or freelancer.

A business can view all estimates by those that have been viewed, accepted, invoiced, declined, or expired. This allows for easy follow-up to ensure no projects fall through the cracks.

Track Expenses

To input expenses, businesses need only to manually enter expenses individually or import from an existing source. Receipts can be attached to each expense as it is added.

Once entered, expenses can be tracked through reports that show where a business’s money is being spent during a specified period. Expenses can be broken into categories for tax accounting purposes.

Pay Bills

Just as businesses spend a great deal of time billing customers, they also are required to spend time paying bills, as well. Zoho Books lets users input bills and mark whether they’ve been paid or not. Recurring billing can also be set up for subscription-based billing. With a client portal, clients can gain access to the information pertaining to their specific account, paying bills online with just one click.

Bills can be prioritized by the date due, ensuring those that are due first are paid first. Through the dashboard, users can see all bills or only those that are open, overdue, unpaid, partially paid, paid, or void.


With Zoho Books, information is consistently updated, giving businesses access to information on finances. Users simply choose a date range and the type of report and information is immediately provided.

Once created, reports can be either sent to a printer or exported to a PDF for sharing with associates or accountants. These reports can also be used for reporting to investors or board members.


Purchase orders and sales orders can also be input and tracked in Zoho Books, helping a business better manage its inventory. Inventory can be managed to allow a business’s accounting to flow seamlessly from pre-sale to post-sale status.

Zoho Books’ inventory module includes products, price books, vendors, quotes, sales orders, purchase orders, and invoices.


Through settings, a business can set up Zoho Books to gather information directly from its bank account automatically. This information can also be imported manually on an as-needed basis. This makes Zoho Books a virtual representation of a business’s bank account.

With Zoho Books Bank Feeds, businesses can get bank transactions automatically in real time, saving time and effort on duplicate entry. Transactions can be categorized to make it easy to find a specific item.


Zoho Books integrates with several apps frequently used by freelancers and small business owners. The app’s integration with payment gateways like Stripe, PayPal, PayPal Payflow Pro, Braintree, Authorize.net, and 2Checkout.

Many of Zoho’s apps work together for a seamless user experience. Zoho Books works with Zoho CRM, Zoho Sheet, and Zoho Projects.


Zoho Books is priced at $24 per month with an annual plan available for $240 per year. This includes a two-month discount. All features are unlimited in Zoho Books’ paid plan.

Bottom Line

  • Create and send invoices that can later be tracked.
  • Track the status of bills.
  • Create estimates to initiate work.
  • Track expenses and attach receipts.
  • Run reports to determine the state of a business’s finances.

Videos and tutorials

Additional information for Zoho Books

Key features of Zoho Books

  • Credit notes
  • Send quotes or estimates
  • Chart of accounts
  • Manual journals
  • Log hours and invoicing projects
  • Record transactions for expense and deposit
  • Automatic bank feeds
  • Bank rules
  • PayPal, PayPal Payflow, and Authorize.net integrations
  • Accountant reports: trial balance, general ledger, and more
  • Automated banking
  • Collaborative client portal
  • Reporting
  • P&L (profit & loss), balance sheet, and cash flow statement
  • Prepare financial statements
  • Add tasks and assign project members
  • Log time via mobile phone
  • Track reimbursable expenses
  • Automate banking
  • Connect bank and credit card accounts
  • Match automated feeds with transactions
  • Create multiple purchase orders
  • Keep track of customer orders
  • Convert sales orders to purchase orders if stocks are low
  • Generate invoices
  • Auto charges
  • Payment thank you notes
  • Create sales reports
  • Produce purchase reports
  • Sales tax reports
  • Document management
  • Invoice templates
  • Project time tracking
  • Accounting and tax
  • Exhaustive reports
  • Mobile apps
  • Online payments
  • Payment reminders
  • Contact database
  • Expense tracking
  • Real-time inventory tracking
  • Multi-country
  • Multi-currency
  • Real time reporting
  • Recurring invoices
  • Recurring tasks & billing
  • SSL security
  • Timesheets
  • Two-factor authentication
  • Workflow management
  • Profit and loss (P&L)
  • Role-based access
View All Features


* Unlimited invoicing
* Recording and tracking bills from vendors
* Expense tracking
* Recording & monitoring bank/credit card transactions
* Reconciling bank and credit card accounts
* Full fledged multiple currency support
* Receiving online payments from customers
* Managing contacts – customers and vendors
* Financial reports – Tax Reports, Trial Balance, Profit & Loss, Balance Sheet, etc.
* Multi-user support and data access to your accountant
* Customizable templates and snail mailing of invoice and quotes
*Client Portal for users
*Purchase Order
*Calendar view of timesheets
*Weekly timesheet
*Upload Expense Receipt
*Attach files to Invoices and Bills
*Dashboard for quick insights
*Attach unbilled projects and expenses while creating invoices.