Xero vs Zoho Books
Zoho Books charges per organisation, gives each plan a set number of users and shows annual billing first. Xero lists a monthly price for each plan and charges no per-user licence fees. Below is how the two Australian pricing pages set out Ignite, Standard and the plans above them.
- By Book Keeping Pros
- Sources checked 15 Oct 2026
Where Xero and Zoho Books differ
- Zoho's Standard plan is priced per organisation, billed annually, and invites 3 users. Xero shows Ignite as a monthly price and charges no per-user licence fees.
- Zoho Books fetches bank and card feeds automatically from Standard up, through a bank feeds provider. Xero's pricing page does not set feeds out plan by plan.
- Multi-currency contacts and automatic exchange rates arrive with Zoho's Professional plan. Xero adds multiple currencies at Comprehensive.
- Zoho says you are not bound by any contract and can cancel at any time. A Xero subscription renews each month until you cancel it.
Xero Ignite next to Zoho Books Standard
| What each page lists | Xero | Zoho Books |
|---|---|---|
| Ignite or Standard plan, billed monthly, after any offer | $37 | Not quoted: its page shows annual billing by default |
| Ignite or Standard plan, per month when billed annually | No annual price listed on its Australian page | $16.50 |
| Users on the Ignite or Standard plan | No per-user licence fees | 3 users |
| Bank and card feeds fetched automatically | Not set out by plan on its Australian pricing page | Standard plan and up, through a bank feeds provider |
| First plan with multi-currency features | Comprehensive plan and up | Professional plan and up |
| Budget feature named on each page | Budget with smart suggestions, Comprehensive plan and up | Budgeting, Premium plan and up |
| Renewal, contract and cancelling | Monthly, until cancelled | None, cancel at any time |
Source: Xero Limited, Pricing plans (Australia); Zoho Corporation Private Limited, Zoho Books pricing (Australia). Checked 15 Oct 2026.
General information
Sources
- Pricing plans (Australia)
Xero Limited. Current at 15 October 2026, released 15 October 2026. Checked 15 October 2026.
Xero is a trademark of Xero Limited. Licence: Xero terms of use (facts quoted with attribution, no endorsement implied).
- Zoho Books pricing (Australia)
Zoho Corporation Private Limited. Current at 15 October 2026, released 15 October 2026. Checked 15 October 2026.
Zoho Books is a trademark of Zoho Corporation Private Limited. Licence: Zoho terms of service (facts quoted with attribution, no endorsement implied).