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Xero vs Zoho Books: Which Is Better Accounting Software?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Which accounting software is better Xero or Zoho Books?

We compare them based on real user reviews, prices and what features they both offer.

Xero homepageZoho Books homepage
 

Xero vs Zoho Books Basics

XeroZoho Books
Software WebsiteXero WebsiteZoho Books Website
HMRC MTD StatusApprovedNot Included
Who Can Use It?Agents and businessesBusinesses
HMRC Listed FeaturesDigital record keeping, Updates to HMRC for self-employment, Tax estimates from HMRC based on provided updates, Updates to HMRC for UK propertyRecord keeping and simplified expenses
PlatformsWeb-based application, Android, iOSWeb application
Note data for this section comes from HMRC here and here

Xero vs Zoho Books Reviews

Wondering if Xero or Zoho Books has better user reviews. We compared them below.

XeroZoho Books
Trustpilot Rating4.34.4
Number of Trustpilot Reviews60174478
iPhone App Rating4.74.8
Number of iPhone Reviews12700551
Android App Rating4.64.8
Number of Android Reviews1190013800
Please note ratings we’re accurate at the time of writing but may have since changed

Xero vs Zoho Books Prices

Which is cheaper Xero or Zoho Books? Here are their prices compared.

Xero pricingZoho Books pricing

Free Plans & Trials

XeroZoho Books
Free Plan?NoYes
Free Trial?YesYes
Free Trial Length?30 days14 days
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

XeroZoho Books
Cheapest Plan Cost Per Month£7.50£12.00
Mid-Tier Plan Cost Per Month£15.00£30.00
Top Plan Cost Per Month£27.50£199.00
Data taken from each company’s website at the time of writing but may have since changed.

Xero vs Zoho Books Features

Xero featuresZoho Books features

Xero Basic Features

  • Send invoices and quotes
  • Enter bills
  • Reconcile bank transactions
  • Submit VAT returns to HMRC
  • Capture bills and receipts with Hubdoc
  • Automatic CIS calculations and reports
  • Short-term cash flow and business snapshot
  • Payroll
  • Claim expenses
  • Track projects
  • Analytics Plus
  • Submit CIS returns

Xero Software Integrations

  • BlueHub
  • LimeCloud
  • Outserve

Zoho Books Basic Features

  • Invite 3 users
  • Manage Invoices (Up to 5,000)
  • Recurring Expenses
  • Connect and fetch bank & credit card feeds via bank feeds provider
  • Predefined User Roles
  • Bulk Updates – Accounts
  • Transaction Locking
  • Custom Fields
  • Reporting Tags
  • Taxes
  • Payment Gateways
  • 10 Custom Reports
  • Journal Templates
  • Integrations – Uber, Zendesk
  • Support – Email, Voice, Chat

Zoho Books Software Integrations

  • Uber
  • Zendesk
  • Twilio
  • Stripe
  • Square
  • Zapier

Common Feature Comparison

XeroZoho Books
Payroll Software IntegrationYesNo
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesNo
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesYes
Forecast Cash FlowYesYes
Accept and Make Payments In Different CurrenciesYesYes
Employee Time TrackingYesYes
ProjectsYesYes
Bank Feed IntegrationYesYes
End of Year FilingsYesYes
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsYesYes

XeroZoho Books
Pros
  • User Friendly
  • User Interface
  • Saves Time
  • Integrations
  • Cloud Based
  • User Friendly
  • User Interface
  • Integration
  • Customer Service
  • Pricing
Cons
  • Expense Report Issues
  • Not User Friendly
  • Expensive
  • Room for Improvement
  • Technical Issues
  • Difficult to Customize
  • Learning Curve
  • Missing Features
  • Not User Friendly
  • Takes Time

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