Which accounting & finance tool is right for you? Compare features, pricing, and user reviews to make the best choice.
Small businesses and growing SMEs that want cloud accounting with strong bank reconciliation, invoicing, and a large integrations marketplace—especially teams working with external accountants/bookkeepers.
Small businesses and growing teams that want an affordable, automation-friendly cloud accounting system with strong invoicing, bank reconciliation, and integrations—especially those already using the Zoho ecosystem.
| Feature | Xero | Zoho Books |
|---|---|---|
| Pricing | $15-$78/month | Free–$275/month (plan-based; not per-user) |
| G2 Rating | 4.3 (6,500 reviews) | 4.4 (1,800 reviews) |
| Capterra Rating | 4.4 | 4.4 |
| Best For | Small businesses and growing SMEs that want cloud accounting with strong bank reconciliation, invoicing, and a large integrations marketplace—especially teams working with external accountants/bookkeepers. | Small businesses and growing teams that want an affordable, automation-friendly cloud accounting system with strong invoicing, bank reconciliation, and integrations—especially those already using the Zoho ecosystem. |