Xero vs Zoho Books
No clear leader: Xero (74.0) and Zoho Books (71.0) are within the 5-point margin; treat as a tie. The attribute-by-attribute breakdown below, with a source and date on every value, is the honest way to compare them.
Capabilities
Feature-by-feature on the axes that matter for accounting software. “-” means undocumented, not absent.
What each one is
The product in its own terms, so the numbers below have context.
Xero
A cloud accounting solution that consolidates invoicing, payroll management, tax compliance, and financial reporting in one place, with AI-assisted automation to minimize manual data entry.
Zoho Books
Web-based accounting software that helps small businesses manage invoicing, reconcile bank transactions, track inventory, and bill for project work. Built with tax compliance features for UK businesses.
Pricing
List pricing as published by each vendor, with the date we read it. Always verify at the source before you buy.
Xero
From £18/month. First month free.
- Ignite£18/month
- Send quotes and 20 invoices
- Accept online invoice payments
- MTD for Income Tax ready
- Make online bill and payroll payments
- Optional company accounts and tax
- Grow£39/month
- All Ignite features
- Send invoices and quotes
- Accept online invoice payments
- Reconcile transactions
- Smart document capture
- +6 more
- Comprehensive£55/month
- Ultimate£70/month
Platform & deployment
Where each product runs and how it can be hosted. A dash means undocumented, not unsupported.
Integrations
What each product connects to. Counts come from the vendor's own integration directory where one exists.
Xero
- Hubdoc
- TaxCycle
- Countable
- Stripe
- GoCardless
Zoho Books
- Google APIs
- YouTube APIs
- Zoho Mail
- Zoho Cliq
- Zoho Projects
- Zoho Inventory
- Zoho Invoice
- Zoho People
- Zoho Checkout
- Zoho Analytics
- Zoho Sprints
- Zoho Desk
- Zoho WorkDrive
- Zoho Meeting
- Zoho Subscriptions
- Zoho Expense
Xero or Zoho Books: which one depends on you
A composite score cannot know your constraints. Describe them and both get re-weighted against what you actually need, with the evidence behind every position.
Free to run, no account needed to start. How the evaluation works
Comparison generated from independently-sourced facts. Every value links to its source and retrieval date. See the method.