Updated June 19, 2025 at 9:32 AM
Zoho Books 2026: Benefits, Features & Pricing
Written by Eduardo Garcia
Content Analyst
Edited by Lindsay Page
Editor
Wondering if Zoho Books is right for your organization?
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- Our Summary
- Pricing and Plans
- Features
- Integrations
- Key Sentiments
- User Reviews
- Frequently Asked Questions
Our Summary
Pros:
- Integration with other apps
- Automated invoicing
Cons:
- Customer service issues
- High cost
Pricing
Starting at $20.00 per month
What is Zoho Books:
Zoho Books is a cloud-based accounting tool for small to midsize businesses wanting to manage their finances more efficiently. It includes standard accounting functions like invoicing, expense tracking, reconciliations, and financial reporting. Zoho Books seamlessly integrates with other Zoho apps.
Why we like Zoho Books:
Zoho Books is well-rated (4.4 out of 5 stars) and made our best accounts payable software list as the most popular option with a free plan. Reviewers most appreciate its electronic payments, invoice creation, and income and balance sheet functions. Its ratings for ease of use and value for money match the overall rating.
Who should use Zoho Books:
Zoho Books is a good option for small to midsize businesses (85% of our reviewers come from companies with one to 200 employees), as well as freelance accountants and bookkeepers who want to streamline their processes. Businesses using other Zoho apps should consider it as well.
Zoho Books Screenshots

Zoho Books Overview
Zoho Books is an end-to-end accounting solution for businesses of all sizes that manages finances across an entire organization. The system automates multiple financial processes such as accounts payable & receivable, time tracking, payroll, transaction management, inventory control and banking. Additionally, Zoho Books manages customer and supplier interactions through the client portal where customers can securely store their payment information for recurring transactions.
Zoho Books is a web-based system, which can be accessed from any web browser. Users can manage cus...
tomers and handle customer invoices either online or by mail by automating recurring invoices, setting up payment reminders and receive payments through online payment gateways. Zoho Books can be used by businesses of any size including freelancers that need assistance with the end-to-end accounting process. Zoho Books is available on both IOS and Android devices. Additionally, Zoho Books comes with automatic bank feeds, collaborative client portal, accounting and taxing, online payments, invoice templates and analytical reports. The system allows users to manage multiple time sheets of different projects and tracking of reimbursable expenses.Zoho Books Pricing and Plans
Free
$0.00
Plan includes:
- 1 User + 1 Accountant
- Add Multiple Bank and Credit Card Accounts
- Automate Payment Reminders
- Bank Rules & Reconciliation
- Chart of Accounts & Sub-Accounts
- Client Portal
- Credit Notes
- Expenses & Mileage Tracking
- Import Bank and Credit Card Statements
- Integrations (Zoho Apps
Standard
$20.00
Plan includes:
- Add Multiple Bank and Credit Card Accounts
- Automate Payment Reminders
- Bank Rules & Reconciliation
- Bulk Updates
- Chart of Accounts & Sub-Accounts
- Chat
- Client Portal
- Connect and Fetch Bank & Credit Card Feeds via Bank Feeds Provider
- Credit Notes
- Custom Fields
Professional
$50.00
Plan includes:
- Add Multiple Bank and Credit Card Accounts
- Automate Payment Reminders
- Automatic Exchange Rates
- Bank Rules & Reconciliation
- Bills
- Bulk Updates
- Chart of Accounts & Sub-Accounts
- Chat
- Client Portal
- Connect and Fh Bank & Credit Card Feeds via Bank Feeds Provider
Premium
$70.00
Plan includes:
- 10 Custom Modules
- Add Multiple Bank and Credit Card Accounts
- Automate Payment Reminders
- Automatic Exchange Rates
- Bank Rules & Reconciliation
- Bills
- Budgeting
- Bulk Updates
- Chart of Accounts & Sub-Accounts
- Chat
Elite
$150.00
Plan includes:
- Dashboard customization
- Manage warehouses
- Composite items
- Track serial numbers
- Batch tracking
- Print shipping label
- Track shipments
- Connect online sales channels (Etsy, eBay, Amazon)
Ultimate
$275.00
Plan includes:
- Revenue recognition
- Add and track KPIs for your business
- Analyze Zoho Books data along with other data sources
- Collaboratively create reports with colleagues
- Embed reports in web sites/applications

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Our Analysis of Zoho Books's Pricing Plans
We've conducted a comprehensive analysis of Zoho Books' pricing plans to help you determine which option aligns best with your business accounting needs. Zoho Books offers six distinct pricing tiers: Free, Standard, Professional, Premium, Elite, and Ultimate. Each plan is designed to accommodate businesses at different stages of growth and with varying accounting requirements. Understanding the strengths and limitations of each plan is essen...
tial for making an informed decision that optimizes both functionality and cost-effectiveness. **Free plan** The Free plan is designed for sole proprietors and very small businesses. It costs $0 per month and includes basic accounting features for one user plus one accountant. This plan allows you to create up to 1,000 invoices per year, track expenses, reconcile bank transactions, and generate essential financial reports. **Pros:** - **Zero cost entry point:** Access professional accounting features without any financial investment. - **Comprehensive reporting:** Includes profit and loss statements, balance sheets, and 50+ other reports. - **Customer portal:** Allows customers to view their invoices and make online payments. **Cons:** - **User and invoice caps:** With access limited to one user and one accountant, and a cap of 1,000 invoices per year, the Free plan isn’t built for collaboration or high-volume invoicing. - **Basic feature set:** Lacks advanced features like inventory tracking and purchase orders. - **Constrained growth potential:** Limits on 1099 filings and client records could block operational expansion or require an early upgrade. **Standard Plan** Priced at $15 per month (billed annually) or $20 per month (billed monthly), the Standard plan builds upon the Free plan with additional features designed for small businesses. This plan accommodates up to three users and includes more advanced accounting capabilities. **Pros:** - **Progress invoicing:** Bill in phases with partial invoices for long-term or milestone-driven projects. - **Robust tax tools:** Built-in tracking for both sales and use tax supports more accurate reporting. - **Flexible customization:** Add custom fields and build tailored reports to suit your workflow. **Cons:** - **No inventory management:** Lacks the tools product-based businesses need to track stock and fulfillment. - **Light project tracking features:** Missing profitability tracking and deeper project management functionality. - **User cap:** Limited to three users, which may not scale well for growing teams. **Professional plan** The Professional plan costs $40 per month (billed annually) or $50 per month (billed monthly) and is designed for growing small to midsize businesses. This plan supports up to five users and introduces more advanced features for inventory and project management. **Pros:** - **Robust inventory tools:** Makes it easy to track stock levels, manage inventory, and generate purchase orders as your product offerings grow. - **Detailed project billing:** Helps track billable time and expenses by project, providing visibility into profitability. - **Streamlined purchase order workflows:** Simplifies vendor management with built-in PO creation and tracking tools. **Cons:** - **Limited customization:** Business process automation is still constrained compared to more advanced solutions. - **Basic currency handling:** Supports multiple currencies, but lacks sophisticated tools for managing exchange rates or currency gains/losses. - **User restrictions:** Capped at five users, which may not scale well for larger teams or departments. **Premium plan** At $60 per month (billed annually) or $70 per month (billed monthly), the Premium plan caters to established businesses with more complex accounting needs. This plan supports up to ten users and includes advanced customization and workflow features. **Pros:** - **Streamlined workflows:** Custom approval flows for sales and purchases help automate and standardize internal processes. - **High-level customization:** Flexible configuration of roles, reports, and data fields supports unique operational needs. - **Built-in collaboration:** Features like chat, voice, and screen sharing improve internal communication and decision-making. **Cons:** - **Shallow inventory insights:** Inventory tracking is available, but lacks forecasting and deeper analytics features. - **Basic budgeting functionality:** Budgeting tools are included, but may fall short for businesses needing detailed financial planning. - **Integration challenges:** Integrations exist but may need extra setup or customization to work seamlessly. **Elite plan** The Elite plan, priced at $120 per month (billed annually) or $150 per month (billed monthly), is a high-tier option designed for larger businesses with complex accounting needs. It supports up to ten users and includes advanced inventory management and analytics features. **Pros:** - **Advanced inventory tools:** Offers warehouse management, batch and serial number tracking for detailed stock control. - **Powerful customization:** Build custom dashboards and reports with robust analytics capabilities. - **Streamlined workflows:** Automate complex approval processes and enforce business rules to increase operational efficiency. **Cons:** - **Steep learning curve:** Rich features may require time and training to implement effectively. - **No user expansion:** Still capped at ten users, despite the higher price. - **Potential overkill for smaller teams:** Businesses with simpler needs may not use all features, making the plan less cost-effective. **Ultimate plan** The Ultimate plan, priced at $240 per month (billed annually) or $275 per month (billed monthly), is Zoho Books' top-tier offering designed for larger enterprises with complex accounting and inventory needs. This plan supports up to 15 users and includes the most advanced features. **Pros:** - **Advanced analytics:** Robust data visualization tools and KPI dashboards support strategic decision-making. - **Enhanced inventory control:** Features like bin tracking and multi-warehouse management improve inventory precision. - **Revenue recognition tools:** Handles complex scenarios, including deferred revenue and compliance with accounting standards. **Cons:** - **High cost of entry:** Premium pricing may be out of reach for smaller businesses or teams with limited budgets. - **Steeper setup requirements:** May require extensive onboarding and training to leverage full functionality. - **System redundancy risk:** Overlapping features with existing enterprise tools could reduce ROI. **Add-on services** Zoho Books offers several add-on services that can be purchased separately to extend functionality. These add-ons are available for paid plans only (except for Advanced Autoscans, which is also available with the Free plan): - Additional users: $2.50 per user/month (billed annually) - Advanced Autoscans: $8 per 50 scans/month (billed annually) - Additional locations: $10 per location/month (billed annually) - Expense claim: $7 per active user/month (billed annually) - Billpay: $59 per month (billed annually) __Conclusion__ After analyzing Zoho Books' pricing structure, it's clear that they offer a comprehensive range of options designed to accommodate businesses at various stages of growth. __For freelancers and very small businesses:__ The free plan is a strong starting point, providing essential accounting tools at no cost. As needs expand, the Standard plan—priced at $20 per month or $15 when billed annually—adds multi-user support and more advanced features suited for small business operations. __For growing small to medium businesses:__ The Professional plan ($50/month or $40/month annually) delivers excellent value with added functionality like inventory management, project billing, and support for up to five users—ideal for businesses starting to scale operations. __For established midsize businesses:__ The Premium plan ($70/month or $60/month annually) introduces workflow automation, custom roles, and deeper reporting, making it a great fit for companies with multiple departments and more advanced accounting needs __For larger businesses with complex requirements:__ The Elite and Ultimate plans ($120 and $240 per month, respectively, billed annually) offer the most advanced features, including warehouse-level inventory controls, advanced analytics, and revenue recognition tools. These tiers suit organizations with layered processes, large teams, and enterprise-level requirements. When selecting a Zoho Books plan, consider not only your current needs but also your anticipated growth over the next 12-24 months. The scalable nature of Zoho's pricing structure allows businesses to start with a lower-tier plan and upgrade as their requirements evolve, ensuring you only pay for the features you need at each stage of your business journey.Compare Pricing
Compare pricing across our most frequently recommended Accounting products.
recommendations
recommendations
recommendations
recommendations
recommendations
*Defined as the price above any available free plan
Zoho Books Features
Drawn from insights across 671 verified reviews, we've outlined Zoho Books's best and worst rated features and how they stack up against the average rating.
Zoho Books's Best Rated Features
Electronic Payments
3.75 category average
Approval Process Control
4.15 category average
Reporting & Statistics
4.08 category average
Zoho Books's Worst Rated Features
Time & Expense Tracking
3.73 category average
Tax Management
3.76 category average
Inventory Management
4.01 category average
- Popular features found in AccountingBilling & InvoicingBudgeting/ForecastingExpense TrackingFund AccountingIncome & Balance SheetMulti-CurrencyPayroll ManagementProject AccountingPurchase Order ManagementTax Management
- More features of Zoho BooksAccountingAccounts PayableAccounts ReceivableAccrual AccountingACH Payment ProcessingAPIApproval Process ControlAudit TrailBank ReconciliationBillable & Non-Billable HoursBilling PortalCash Flow ManagementCash ManagementCatalog ManagementClient PortalCommission ManagementCompliance ManagementConsolidation/Roll-UpContact DatabaseContact ManagementContract/License ManagementCore AccountingCost ManagementCustomer StatementsCustomizable FieldsCustomizable InvoicesCustomizable TemplatesDashboardData Import/ExportData SecurityData VisualizationElectronic PaymentsExpense ClaimsFinancial AnalysisFinancial ManagementFinancial ReportingFor AEC IndustryFor Legal ProfessionalsFor Medical PurposesFor Real EstateFor Small BusinessesFor Trucking IndustryGeneral LedgerInventory ControlInventory ManagementInvoice CreationInvoice HistoryInvoice ManagementInvoice ProcessingK-12Mobile AppMobile PaymentsMulti-CompanyOnline InvoicingOnline PaymentsOnline Time TrackingOrder ManagementPartial PaymentsPayment ProcessingPayment ReconciliationProfit/Loss StatementProject BillingProjectionsProject ManagementPurchase Order ReconciliationPurchasing & ReceivingQuotes/EstimatesReal-Time DataReal-Time ReportingReceipt ManagementReceivables LedgerRecurring/Subscription BillingRemindersRemote Access/ControlReporting/AnalyticsReporting & StatisticsRequisition ManagementSales Tax ManagementSpend ManagementSupplier ManagementTask ManagementTax CalculationTax ComplianceTax FilingThird-Party IntegrationsTime & Expense TrackingTimesheet ManagementTime TrackingTransaction ManagementTrust AccountingVendor ManagementWorkflow Management
Zoho Books Integrations
Based on 671 verified reviews, we've identified products most frequently integrated with Zoho Books.
Kate Anderson
Director
Used for 1-2 years
Reviewed June 2022
"Zoho Expense easily transfers information into Zoho Books"
See all 52 integrations
Zoho Books Key Sentiments
We analyzed 671 verified reviews for Zoho Books to find out what actual users really think.
Most Positive Sentiments
Integration capabilities
Reviewers are impressed with Zoho Books' integration capabilities, particularly its seamless integration with other Zoho apps and third-party platforms. They find the API integration powerful, allowing for the development of custom tools and workflows. Users also appreciate the scalability and flexibility offered by the integrations, which enhance the overall functionality and efficiency of their business processes.
Invoicing
Users find Zoho Books highly efficient for managing invoices, with features that streamline the entire accounting process. They appreciate the comprehensive tools for invoicing, billing, and expense tracking, which save time and reduce manual errors. Additionally, users highlight the platform's ability to automate invoicing and payment tracking, making financial management more effective and less time-consuming.
Accounting software
Reviewers praise Zoho Books for its user-friendly interface, which simplifies accounting tasks even for those with limited accounting knowledge. They find the cloud-based platform particularly beneficial for small businesses, allowing easy access to financial data from anywhere. Users also appreciate the comprehensive features that support informed financial decision-making and efficient management of business finances.
Least Positive Sentiments
Reporting
Reviewers value the customization options and user-friendly reports provided by Zoho Books, which help in tailoring financial reports to specific business needs. They find the detailed and timely reports useful for tracking financial performance and preparing various financial statements. Nonetheless, some users feel the reporting capabilities are limited, particularly in terms of advanced reporting features and customization options.
Bank transactions management
Users appreciate Zoho Books' ability to integrate with banking accounts, simplifying the reconciliation process and reducing manual errors. They find the automatic import of bank transactions and synchronization with financial institutions beneficial for keeping their accounts up to date. However, users report issues with bank connections, such as delays in updates and difficulties in linking bank accounts, which can hinder smooth transaction management.
Payment management
Users appreciate Zoho Books' integration with various payment gateways, which facilitates smooth payment processing and online transactions. They find the integration with payment options like Stripe and PayPal beneficial for managing customer payments. However, some users are frustrated by the limited number of supported payment gateways and the lack of payroll services, which can complicate vendor payments and payroll management.
Zoho Books User Reviews
Overall Rating
4.4
Ratings Breakdown
5
56%
4
34%
3
7%
2
2%
1
2%
Secondary Ratings
Ease of Use
4.4
Value for money
4.4
Customer support
4.2
Functionality
4.2

Raj Shekhar S.
Verified reviewer
Information Technology and Services
2-10 employees
Used weekly for less than 2 years
Review sourceReviewed December 2025
Good tool for mid sized businesses
4
It has been very consistent to use it. Their has been no product failures or issues, and new features are regularly rolled out too.
Ratings Breakdown
Read More
Karen T.
Verified reviewer
Construction
2-10 employees
Used daily for less than 2 years
Review sourceReviewed December 2025
Zoho is great! Give it a try
5
I started using Zoho for it's affordability and decided to keep it for it's simplicity. Zoho does what I need it to do. The feature I like most is the Estimating and Invoicing. I can keep track of all my clients on one place.
Ratings Breakdown
Reasons for switching to Zoho Books
We switched due to Zoho being very affordable. We stayed for it's functionality and invoice management capacity.
Read More
Kevin V.
Verified reviewer
Internet
11-50 employees
Used daily for less than 2 years
Review sourceReviewed November 2025
Good to handle memberships and connects with the CRM
4
Ratings Breakdown
Read More
Charles C.
Verified reviewer
Computer Software
Self-Employed
Used daily for less than 2 years
Review sourceReviewed April 2025
Zoho Books a complete solutions especially with Zoho Billing
5
It's a complete solution. I also have automated billing I utilize with Zoho Billing and it integrates perfectly. The automated bills get charged and it records the results and if it's paid automatically in Zoho Books.
Ratings Breakdown
Reasons for switching to Zoho Books
Intuit quit innovating for the desktop versions of Quickbooks.
Vendor Response
Hello Charles - Thanks for your review. We are glad you enjoy using Zoho Books and Zoho Billing. Please feel free to reach out to us at support@zohobooks.com for any queries.
Replied June 2025
Read More
Luke T.
Verified reviewer
Education Management
Self-Employed
Used daily for free trial
Review sourceReviewed June 2025
Software that does what it says and runs rather well
4
A good piece of software that does what you need it to, but perhaps more suited to small - medium businesses rather than sole traders as quite complex. No real issues, but I did decide to choose an alternative software as it suited my sole trader needs more for a good price.
Ratings Breakdown
Reasons for choosing Zoho Books
I thought that Quickbooks was over-priced. However I did then switch back to Quickbooks in the end.
Vendor Response
Hi Luke - Thanks for your detailed review. We are working on certain product enhancements that will address some of your feedback. We hope you give us another try in the future.
Replied June 2025
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Alice C.
Verified reviewer
Consumer Electronics
2-10 employees
Used daily for less than 2 years
Review sourceReviewed January 2025
Zoho Books; Making sales process efficient and easy
5
I have loved working with Zoho since it make my work life very simple, turning a quotation to an invoice is all a matter of just clicking a button
Ratings Breakdown
Reasons for choosing Zoho Books
it was cost friendly as compared to Odoo
Reasons for switching to Zoho Books
Quickbooks can be too complicated and hard to learn for new people
Vendor Response
Thanks for your review, Alice. We are here to make business financial management easier and we are glad that you are experiencing it! :)
Replied March 2025
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Delfina B.
Verified reviewer
Marketing and Advertising
51-200 employees
Used daily for more than 2 years
Review sourceReviewed January 2025
A great tool to use
3
I use Zoho Books daily to issue invoices for my clients. I´ve created my data base and from there, I create the invoices, record payments, set payment reminders, and create some reports to keep my AP well organized.
Ratings Breakdown
Reasons for choosing Zoho Books
I prefer to use a tool that was designed for that and not create from scratch something that is not part of my company's business
Read More

Alfredo J.
Verified reviewer
Information Technology and Services
2-10 employees
Used weekly for less than 2 years
Review sourceReviewed September 2024
Easy peasy accounting platform
4
I’ve been using Zoho books for over a year successfully. I was able to easily migrate after a bad experience with quickbooks and from there been able to slightly customize it for my needs. I enjoy how it integrates with their expense tracker and with PayPal.
Ratings Breakdown
Reasons for choosing Zoho Books
At the time I only needed accounting and the pricing was more appealing.
Reasons for switching to Zoho Books
My QB account was cancelled for undisclosed (by them) issues after asking for sensitive data using a Google Form! I couldn’t even recover my data, but at least they refunded a couple months “service”
Read More
Tania C.
Verified reviewer
Construction
2-10 employees
Used daily for more than 2 years
Review sourceReviewed October 2024
Good CRM and Books website.
5
Zoho has been great so far. We have used Zoho for 4 years now. Really easy to use.
Ratings Breakdown
Reasons for choosing Zoho Books
It is much easier to use than QuickBooks in my opinion.
Read More

Sarp O.
Verified reviewer
Computer Software
Self-Employed
Used weekly for less than 6 months
Review sourceReviewed January 2025
Comprehensive and friendly-user accounting platform
5
Very pleasant experience! It takes only a few minutes to grasp the platform and onboarding process is helpful.
Ratings Breakdown
Reasons for choosing Zoho Books
Cost-efficient and feature-rich and also integrates seamlessly with my Zoho Bigin CRM.
Read More
Zoho Books FAQs
- What kind of software is Zoho Books?
Zoho Books is accounting software. It’s based in the cloud, meaning businesses can use it on any computer or smart device with an internet connection. Users turn to the software for expense and inventory management, invoice creation, and sales tax automation, among other functions.
- Is Zoho Books really free?
Zoho Books has a free plan with limited features for solopreneurs and microbusinesses. It allows one user and offers bank reconciliation, up to 1,000 invoices a year, payment reminders, a dashboard with standard reports, and more. Upgrading to a paid plan increases the limits and adds new features. Each paid plan comes with a free trial.
- Why should I use Zoho Books?
Many users choose Zoho Books because it has a user-friendly interface and relatively simple workflows. Some also find the software an affordable option because it costs $15 per month for the Standard plan, which comes with enough features to help smaller organizations manage their accounts. Users of other Zoho apps often consider Zoho Books for accounting.
- What companies use Zoho Books?
Small and midsize businesses are Zoho Books’ primary customers. Solopreneurs and microbusinesses also take advantage of the free plan. Although it doesn’t publish a comprehensive list of customers, Zoho Books touts users across dozens of industries, including education, healthcare, manufacturing, retail, and telecommunications.
Zoho Books Popular Comparisons

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