Billing & Invoicing Software

Zoho Invoice vs Xero

Both are billing & invoicing software. The short answer: choose Zoho Invoice if you are freelancers and service businesses who just need professional invoices; choose Xero if you are small businesses and accountants in the UK, Australia and New Zealand.

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Zoho Invoice logo Zoho InvoiceXero logo Xero
Best forFreelancers and service businesses who just need professional invoicesSmall businesses and accountants in the UK, Australia and New Zealand
Free planYesNo (trial may exist)
PricingSee providerSee provider
Built for IndiaYesGlobal
CategoriesBilling & Invoicing SoftwareBilling & Invoicing Software, Accounting Software
Strengths
  • Free to use
  • Clean invoice templates
  • Recurring invoices and reminders
  • Clean, fast reconciliation
  • Unlimited users on plans
  • Big integration marketplace
Watch out for
  • No full bookkeeping
  • Upgrade to Zoho Books for accounting
  • Payroll availability depends on country
  • Lower plans cap some transactions
Visit Zoho InvoiceVisit Xero

Which should you choose?

Zoho Invoice: A focused invoicing app for quotes, invoices, time tracking and payment reminders.

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.