Xero vs Zoho Books
Zoho Books comes out ahead of Xero on 4 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.
The verdict
Zoho Books takes it, 4–2 on rounds.
On the published figures and the independent review sites, Zoho Books takes 4 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose Xero if…
- • You want Xero's edge on how many people can log in and what customers say on trustpilot
Choose Zoho Books if…
- • You want Zoho Books's edge on what it costs to start and trying it before you pay
Round by round
- Round 1What it costs to startZoho Books winsXero5/10
$27
Early plan, per month at list price (introductory $5.40 for three months)
- $27, against $20
Source: xero.com ↗
Zoho Books wins this round on what the company itself publishes.
- Round 2Trying it before you payZoho Books winsXero5/10
30-day free trial
a free trial, no free plan
- 30-day free trial, against Free plan
Source: xero.com ↗
Zoho Books8/10Free plan
free while revenue stays under $50K, capped at 1,000 invoices a year
Source: zoho.com ↗
Zoho Books wins this round on what the company itself publishes.
- Round 3Who picks up when you are stuckZoho Books winsXero5/10
24/7 online support, callback on request
no support phone line, but they will call you
- 24/7 online support, callback on request, against Phone, chat and email, weekdays
Source: xero.com ↗
Zoho Books8/10Phone, chat and email, weekdays
toll-free phone, live chat and email on the Standard plan, Monday to Friday 9am to 9pm ET
Source: zoho.com ↗
Zoho Books wins this round on what the company itself publishes.
- Round 4How many people can log inXero winsZoho Books5/10
3 users
Standard includes three users, extra users are $3 each
- 3 users, against Unlimited users
Source: zoho.com ↗
Xero wins this round on what the company itself publishes.
- Round 5Who runs your payrollZoho Books winsXero5/10
Optional add-on via Gusto
payroll is handed to a partner
- Optional add-on via Gusto, against Own payroll product
Source: xero.com ↗
Zoho Books wins this round on what the company itself publishes.
- Round 6What customers say on TrustpilotXero winsZoho Books5/10
3.9 out of 5
TrustScore from 6,138 reviews on Trustpilot
- 3.9 out of 5, against 4.1 out of 5
Source: trustpilot.com ↗
Xero wins this round on independent review-site data, not on its own claims.

