Fiskl vs Zoho Books (2026): which should you pick?

Pick Fiskl if

• Fits if you invoice in several currencies as a freelancer
• Works for small firms that want an AI assistant to categorise transactions

Look elsewhere if

• Tight if you want a free plan, because there isn't one after the 30 days
• Watch out: Solo allows 1 user and 2 bank connections, and more needs Pro or Prime
• Watch out: extra AI tokens cost USD 50 for 30M and expire after 6 months
• Watch out: extra team members are billed per user monthly
• Watch out: prices are in ringgit and local taxes may apply

Pick Zoho Books if

• Fits if your business turns over less than $50K a year and you want to pay $0
• Works for businesses already running other Zoho apps

Look elsewhere if

• Tight if your team grows, since plans cap users at 3, 5, 10 or 15 and more cost $3 each a month
• Pricey if you need warehouses or Amazon and eBay channels, which start on Elite at $120 a month
• Not for you if you're past $50K revenue and hoping to stay free
• Tight if you bill a lot: invoices are capped at 1,000 a year on Free, 5,000 on Standard and 25,000 on Premium
• Watch out: automatic bank feeds need Standard, and the free plan can't take paid add-ons other than autoscans

Fiskl

• The pricing page was read in Malaysian ringgit and no dollar price was readable, so the figures here are RM and may differ for US buyers.
• User and bank limits rise by plan: Solo is 1 user and 2 banks, Pro is 5 and 4, Prime is 10 and unlimited.
• Extra AI tokens cost USD 50 for 30M and expire after 6 months, and extra team members are billed per user monthly.
• The pricing page says local taxes may apply.

Zoho Books

• The free plan stays free only while revenue is under $50K a financial year, and paid add-ons other than autoscans cannot be added to it.
• Each plan caps users at 3, 5, 10, 10 or 15; more cost $3 per user a month, or $2.50 billed annually.
• Every plan caps invoices and bills a year: 1,000 on Free, 5,000 on Standard, 10,000 on Professional and 25,000 on Premium.
• These are US prices; Zoho lists separate editions for 18 countries plus a global one, including the UK, Canada, India and Australia.

Fiskl

Multi-currency accounting

Supports 170+ currencies and 60+ invoice and payment languages, with automated FX gains and losses on Prime.

Bank connections

Connects to 21,000+ banks, with AI categorizing and matching of each transaction to invoices or bills.

Invoices, quotes and expenses

Sends invoices and quotes, tracks bills and expenses, and extracts details from receipts with AI.

Fi AI assistant

Fi answers questions about the ledger in many languages; higher plans add forecasting, scenario planning and anomaly detection.

Stripe reconciliation

Pro and Prime match Stripe payouts to the invoices and fees they contain.

Accountant access

Every plan allows accountant access, and a separate portal called Atlas shows an accounting firm all its client companies.

Zoho Books

Invoicing and online payments

Quotes, invoices, recurring invoices, retention payments and automatic reminders, with a customer portal for paying online.

Banking and reconciliation

Reconcile accounts on every plan. Automatic bank feeds start on Standard, along with recurring expenses and period locking.

US tax and 1099s

Track sales and use tax, manage W-9s and 1099 contractors, and e-file 1099-MISC and 1099-NEC forms from Standard up.

Projects and inventory

Professional adds timesheets, project profitability and basic inventory. Elite adds warehouses, serial and batch tracking and shipping labels.

Automation and customization

Workflows, approvals and custom roles from Professional; custom modules, buttons and functions from Premium; Blueprints on Elite.

AI in accounting

Ask questions about the books in plain English, spot anomalies and automate collections, plus receipt autoscans on every plan.

Fiskl

• SoloRM 83

  per month after a 30-day free trial

  For freelancers and solo businesses: 1 user, 2 bank connections, 2 brands and accountant access.

• ProRM 150

  per month after a 30-day free trial

  5 users, 4 banks and 4 brands, plus cash flow forecasting, Stripe reconciliation and payment reminders.

• PrimeRM 219

  per month after a 30-day free trial

  10 users, unlimited banks and brands, plus advanced FX handling and Fi-assisted period close.

Zoho Books

• Free$0

  Revenue under $50K a year. 1 user and 1 accountant, up to 1,000 invoices a year, recurring invoices, payment reminders and 1099 filing.

• Standard$15

  per organization / month, billed annually

  $20 billed monthly. 3 users, bank feeds, sales and use tax, 1099 e-filing, custom reports, API access and 5,000 invoices a year.

• Professional$40

  per organization / month, billed annually

  $50 billed monthly. 5 users, sales and purchase orders, multiple currencies, timesheets, project profitability, retainers and inventory.

• Premium$60

  per organization / month, billed annually

  $70 billed monthly. 10 users, fixed assets, budgets, cash flow forecasting, a vendor portal and custom modules.

• Elite$120

  per organization / month, billed annually

  $150 billed monthly. 10 users, advanced inventory with warehouses and batch tracking, Etsy, eBay and Amazon channels, and up to 2 Shopify stores.

• Ultimate$240

  per organization / month, billed annually

  $275 billed monthly. 15 users and built-in business intelligence with 50+ prebuilt visualizations, KPI tracking and embeddable reports.

Fiskl

No public discounts listed.

Zoho Books

• Annual discount

  Save up to 25% with yearly billing

  Yearly billing cuts Standard from $20 to $15 a month, Professional from $50 to $40, Premium from $70 to $60, Elite from $150 to $120 and Ultimate from $275 to $240.