Found vs Zoho Books
We give Found a 2.8 GPA and Zoho Books a 3.4, out of 4.0. Zoho Books grades higher on value for money, features and platforms. They get the same grade on the free plan and ease of use.
Price, platforms and features side by side. The table says where each price was read and when.
Found
Business bank account with bookkeeping and tax tools built in
Zoho Books
Online accounting from Zoho, with a free plan and six paid tiers
How we grade them
| 2.8GPAFoundGood | 3.4GPAZoho BooksVery good | |
|---|---|---|
| Value for money | CFound Plus is $35 a month, above the dearer quarter of accounting tools at $31.10, or $315 a year, about $26 a month. It buys imports from other accounts, rules, tags and in-app tax payments, plus 1.50% interest on up to $20,000. | BStandard is $15 a month billed yearly ($20 monthly) for the whole business with 3 users, right at the cheaper quarter of this category. It already has bank feeds, sales tax, 1099 e-filing and API access. |
| Free plan and trial | BThe free plan is business checking with a debit card, 20 sub-accounts, sorted spending, receipts, a P&L, tax estimates, unlimited invoices and free 1099 e-filing. One person could live on it, as long as all the business money goes through Found. | BFree for businesses under $50K revenue a year: 1 user plus an accountant, 1,000 invoices a year, bank reconciliation, 1099s and 50+ reports. One person could live on it, though automatic bank feeds need Standard. |
| Features | CIt sorts card spending into write-offs, keeps receipts and a P&L and balance sheet, sets tax aside, makes Schedule C forms, sends invoices and pays contractors. The gap is in the listing: it's a bank account, so the books only see other accounts on paid plans. | BInvoices, bills, bank feeds, sales tax, 1099s, projects, multiple currencies, inventory up to warehouses and batch tracking, budgets, custom modules and AI that answers questions about the books. That covers the whole job. |
| Ease of use | A4.79 from 34,650 App Store ratings, the top band. Spend on the card and the sorting happens as you go, so there's no separate bookkeeping app to feed. | A4.81 from 5,247 App Store ratings, the top band for accounting apps. Receipt autoscans work on every plan, the free one included, which saves typing. |
| Platforms and integrations | BWeb, iPhone and Android, with money in from Venmo and PayPal and a Mastercard debit card. There's no desktop app, and syncing other bank accounts needs a paid plan. | AWeb, Windows, iPhone and Android, with an API from Standard up and links to Shopify, Amazon, eBay, Etsy and the rest of Zoho. That's the full spread. |
| Best for | self-employed people who want banking and books together | a real free plan with room to grow |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Found and Zoho Books. How we grade
Price against what you get
Found starts at $35 a month and scores 3.0 out of 4 on features, ease of use and platforms. Zoho Books starts at $15 a month and scores 3.7.
Zoho Books scores higher and starts $20 a month lower. Of the other accounting and invoicing tools on the chart, 3 score higher than Found for less, and none scores higher than Zoho Books for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Found starts at $35 per month, billed monthly. Zoho Books starts at $15 per organization / month, billed annually.
- Only Zoho Books lists a Windows app.
At a glance
| Found | Zoho Books | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | $35 per month, billed monthly | $15 per organization / month, billed annually |
| Free plan | Found: business checking with a Mastercard debit card, team cards, 20 sub-accounts, expense categorizing, receipt scanning, P&L, tax estimates, unlimited invoices and 1099 e-filing. | Free plan for businesses with under $50K revenue a year: 1 user plus 1 accountant, invoices, quotes, expenses, bank reconciliation, 1099s and 50+ reports, with email support. |
| Free trial | 30-day free trial of Found Plus or Found Pro, then charged to your Found balance | 14-day free trial of the paid plans |
| Web | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | Found | Zoho |
| Price read from | found.com | zoho.com |
| Checked | Oct 17, 2026 | Oct 17, 2026 |
Who each one suits
Found
- US sole proprietors who want banking and books in one app
- Freelancers who want taxes set aside automatically as they are paid
- Small businesses that pay contractors and file 1099s
Zoho Books
- Very small businesses that want a free plan with real double-entry books
- Companies already using other Zoho apps
- Growing product businesses that will need inventory and warehouses later
Worth knowing
Found
- Found is a bank account, not standalone software: the bookkeeping works on money that runs through it, and other accounts can be imported only on paid plans.
- Only US-based businesses can open an account, and the owner needs a Social Security number.
- Some banking costs extra: domestic wires are $15 each ($10 on Pro) and paper checks $1 each (free on Pro).
- Found Assistant is in beta, and Found says it gives no legal or tax advice.
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.
Key features
Found
- Business checking and cards
- A checking account held at Lead Bank, Member FDIC, with physical and virtual Mastercard debit cards and team cards with spending limits.
- Automatic bookkeeping
- Card spending is categorized and flagged as write-offs, receipts attach by photo, and P&L, balance sheet and expense reports are kept current.
- Taxes set aside
- Found estimates taxes in real time and moves money into a Taxes Pocket as you are paid. It generates Schedule C and 1120 or 1120-S forms.
- Invoices
- Unlimited invoices, scheduled and recurring invoices, estimates and payment requests on every plan.
- Contractor payments
- Pay contractors by ACH, text or email with no per-contractor fee, collect W-9s and generate and e-file 1099-NECs for free.
- Found Assistant
- An AI assistant, in beta, that answers questions about your income and taxes and can draft invoices.
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.
Plans
Found
Found$0
Banking, automatic expense categorizing, receipts, P&L and balance sheet, tax estimates, unlimited invoices and contractor payments.
Found Plus$35
per month, billed monthly
Or $315 a year. Adds imports from up to 10 other accounts, categorizing rules, custom tags, in-app tax payments, 1.50% APY up to $20,000 and priority phone help.
Found Pro$80
per month, billed monthly
Or $720 a year. Adds 2.50% APY on all balances, 1% cash back on card purchases, free checks, cheaper wires and an account manager.
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.
Ways to pay less
Found
- Annual discount
Save 25% with yearly billing
Found Plus costs $315 a year instead of $35 a month, and Found Pro $720 a year instead of $80 a month.
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.
