Billing & Invoicing Software · Accounting Software

Zoho Books vs Xero

Both are billing & invoicing software and accounting software. The short answer: choose Zoho Books if you are gST-registered small businesses that want accounting and invoicing together; choose Xero if you are small businesses and accountants in the UK, Australia and New Zealand.

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Zoho Books logo Zoho BooksXero logo Xero
Best forGST-registered small businesses that want accounting and invoicing togetherSmall businesses and accountants in the UK, Australia and New Zealand
Free planYesNo (trial may exist)
PricingSee providerSee provider
Built for IndiaYesGlobal
CategoriesBilling & Invoicing Software, Accounting Software, ERP SoftwareBilling & Invoicing Software, Accounting Software
Strengths
  • GST-compliant invoices and returns support
  • Integrates with Zoho CRM, Inventory and Payroll
  • Mobile apps and multi-user access
  • Clean, fast reconciliation
  • Unlimited users on plans
  • Big integration marketplace
Watch out for
  • Advanced features sit in higher plans
  • Can feel heavy for very small shops that only need billing
  • Payroll availability depends on country
  • Lower plans cap some transactions
Visit Zoho BooksVisit Xero

Which should you choose?

Zoho Books: Cloud accounting from Zoho with GST invoicing, e-way bills, bank feeds and integration with the wider Zoho suite.

Xero: Cloud accounting platform known for bank reconciliation, invoicing and a large app marketplace.

The best way to decide is to run the same week of real work through both — most offer a free plan or trial — and compare how long tasks take, what your team prefers, and the total cost for your number of users including renewal pricing.

Not sure either fits? See all billing & invoicing software compared.