Xero vs Zoho Books
Accounting pricing comparison · 2026
Xero pricing ranges from $25–$90/month, while Zoho Books ranges from $0–$275/month. Xero is typically 21% more affordable, though your actual cost depends on tier and team size.
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Xero and Zoho Books both operate in the accounting category. This page compares their list pricing.
Plan-by-Plan Pricing
| Plan | Xero | Zoho Books |
|---|---|---|
| Early | $25 /month | Free /month |
| Growing | $55 /month | $20 /month |
| Established | $90 /month | $50 /month |
| Premium | — | $70 /month |
| Elite | — | $150 /month |
| Ultimate | — | $275 /month |
Cost at Scale
Total cost of ownership — licenses, implementation, and hidden costs included.
Xero
8 scenarios$25/month
Freelancer with few clients
for Early plan
$55/month
Growing service business
for Growing plan
$90/month
International e-commerce business
for Established + Gusto payroll (~$100/month) = ~$190/month
Zoho Books
4 scenarios$0/month
Side hustle or new business
on the Free plan
$20/month
Small consulting firm
for Standard ($15 if annual)
$50/month
Growing e-commerce business
for Professional + extra users ($5) = $55/month
Market Intelligence
Xero
- Median annual cost
- $564
- Based on
- 147 deals
Zoho Books
- Median annual cost
- $500
- Based on
- 79 deals
Contract Terms
| Term | Xero | Zoho Books |
|---|---|---|
| Auto-renewal | — | Yes |
| Cancellation | — | Not specified in sources |
| Minimum commitment | — | Monthly or annual billing available |
| Price escalation | Xero has implemented multiple price increases in recent years, with changes typically happening around the beginning of the year or in the second half of the year. For example, a significant price increase occurred on July 1, 2024, and another was implemented on September 13, 2023. Additionally, there were price adjustments in March 2023 and September 15, 2022. | Not specified in sources |
| Can downgrade | — | Yes |