Xero
Finance
From$27/mo
10 people: $27 a month · $324 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 3 plans · priced per plan
Xero vs Zoho Books: pricing compared
Plans, list prices and what a team of 5, 10 or 25 pays on each, from Surba's catalog of Finance tools. Updated for 2026.
At a glance
Side by side
Xero starts at $27/mo (Early) and Zoho Books at $20/mo (Standard). For 10 people that's $27 vs $20 a month: Zoho Books is $7 a month (26%) cheaper than Xero on list price.
Zoho Books
Cheaper for 10 people
From$20/mo
10 people: $20 a month · $240 a year
- Free plan
- Up to 25% off yearly
- No startup credits listed
- 6 plans · priced per plan
Plans
Xero and Zoho Books plans
Every plan with a public price, in US dollars.
Xero
Early
Quotes and 20 invoices · 5 bills · 30-day cash flow forecast
$27/mo
Growing
60-day cash flow forecast · Auto-reconcile transactions
$59/mo
Established
180-day cash flow forecast · Multiple currencies · KPI analysis
$97/mo
US pricing. Promo: 90% off first 6 months for new US customers (ends Nov 2, 2026).
Prices from Xero's pricing page, checked 26 Oct 2026.
Zoho Books
Free
Invoices, quotes & expenses · Online payments · 50+ reports
Free
Standard
Progress invoicing · Sales tax tracking · Bank feeds
$20/mo
Professional
Sales & purchase orders · Inventory tracking · Multi-currency
$50/mo
Premium
Revenue recognition · Fixed assets · Cash flow forecasting
$70/mo
Elite
Advanced inventory · Warehouses · Serial number tracking
$150/mo
Ultimate
Advanced analytics · Pre-built visualizations · KPI tracking
$275/mo
US pricing per organization. Annual per month: Standard $15, Professional $40, Premium $60, Elite $120, Ultimate $240.
Prices from Zoho Books's pricing page, checked 26 Oct 2026.
Team cost
What each costs your team
Entry paid plans, per month and per year at list price.
| Team | Xero (Early) | Zoho Books (Standard) | Difference |
|---|---|---|---|
| 5 people | $27/mo$324/yr a year | $20/mo$240/yr a year | Zoho Books $7 less a month |
| 10 people | $27/mo$324/yr a year | $20/mo$240/yr a year | Zoho Books $7 less a month |
| 25 people | $27/mo$324/yr a year | $20/mo$240/yr a year | Zoho Books $7 less a month |
Xero is priced per plan. Zoho Books is priced per plan. Per-user prices are multiplied by the team; per-plan prices aren't. Before tax; yearly discounts not applied.
FAQ
Xero vs Zoho Books: questions
Which is cheaper, Xero or Zoho Books?
Xero starts at $27/mo (Early) and Zoho Books at $20/mo (Standard). For 10 people that's $27 vs $20 a month: Zoho Books is $7 a month (26%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Xero and Zoho Books have free plans?
Xero has no free plan in Surba's catalog. Zoho Books has a free plan (Free).
Are Xero and Zoho Books cheaper if you pay yearly?
Zoho Books lists up to 25% off yearly billing. Surba's catalog lists no yearly discount for Xero.
More comparisons
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Paying for Xero or Zoho Books? Track it in Surba.
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