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Zoho Books vs Xero: catalog facts
Zoho Books	Xero
Freemium Several subscription plans are offered; see the Zoho Books pricing page for details.	Paid Paid monthly plans with a free trial and introductory discounts.
Windows, Android, iOS, Web	Web
Covers invoicing, bills, banking, inventory and reports Sales tax and 1099 handling	Bank connections for reconciliation Invoicing, bills and payroll in one place
Cloud-only accounting data Fullest value comes with other Zoho products	Subscription only, with no free plan Features and plans vary by country
Downloadable app, Hosted service	Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.