# Zoho Books

> Online accounting from Zoho, with a free plan and six paid tiers

Zoho Books is online accounting software from Zoho for small and growing businesses. It covers quotes, invoices, bills, expenses, bank feeds, sales tax and 1099s, and the higher plans add projects, inventory, budgets, custom modules and business intelligence. It is sold in separate country editions, each with its own prices and tax features.

- **Category:** Accounting & Invoicing
- **Made by:** Zoho
- **Website:** https://www.zoho.com/us/books/
- **Runs on:** Web, Windows, iOS, Android
- **Facts last checked:** Oct 17, 2026

## Pricing

Zoho Books has a free plan. Paid plans start at $15 per organization / month, billed annually.

- **Pricing model:** Free plan
- **Free plan:** 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:** 14-day free trial of the paid plans.

| Plan | Price | What you get |
| --- | --- | --- |
| 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. |

Read from https://www.zoho.com/us/books/pricing/ on Oct 17, 2026. Prices change, so confirm with Zoho Books before buying.

## Ways to pay less

- **Save up to 25% with yearly billing** (Annual discount): 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. Source: https://www.zoho.com/us/books/pricing/

## Key features

- **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.

## Good for

- 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

- 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.

## ToolGPA grades

**GPA: 3.4 out of 4**, graded Oct 17, 2026. Zoho Books gives you proper double-entry books for free while your business turns over less than $50K a year, bank reconciliation and 1099s included. Paid plans start at $15 a month for the whole business and climb all the way to inventory and warehouses. Just know every plan caps users and invoices, so growing means moving up.

- **Value for money: B.** Standard 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: B.** Free 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: B.** Invoices, 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: A.** 4.81 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: A.** Web, 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.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Zoho's own pages on 17 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.

## Where it stands among accounting and invoicing tools

- Zoho Books's GPA of 3.4 is higher than 16 of the 17 other accounting and invoicing tools we grade.
- It stands best on platforms and integrations (A, above 14 of 17) and worst on free plan and trial (B, above 10).
- Its paid plans start at $15 a month, against a middle price of $19 for the category: 5 of the 16 others that charge start lower.
- On features, ease of use and platforms it scores 3.7 out of 4, and no tool on the category's chart scores higher without costing more.

The category's chart of price against score: https://toolgpa.com/charts/accounting

## Keep it, or make your own?

**Keep it.** To replace Zoho Books you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. It is one of the better ones too: its GPA of 3.4 is higher than 16 of the 17 other accounting and invoicing tools we grade. It costs $180 a year.

- You could make: Invoicing, expense tracking and reports: an app builder makes these well.
- You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them.
- You could not: Apps for Windows, iOS and Android that stay in step with each other.
- You could not: It plugs into other products, Shopify, Amazon and eBay among them, and has an API.
- You could not: AI features, unless you pay a model provider for each request yourself.
- You could not: The depth: we grade its features B, which means it covers the whole job.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.8 out of 5 from 5,247 ratings in the United States, read Oct 17, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id710446064

## Works with

Shopify, Amazon, eBay, Etsy, Zoho Analytics, Zoho Payments

**Tags:** Bookkeeping, Invoicing, Expense tracking, Reports, AI features, Public API

## Alternatives

- [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/quickbooks-vs-zoho-books)
- [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/xero-vs-zoho-books)
- [FreshBooks](https://toolgpa.com/tools/freshbooks): Invoicing and accounting for freelancers and service businesses. [Compare](https://toolgpa.com/compare/freshbooks-vs-zoho-books)
- [Wave](https://toolgpa.com/tools/wave): Free invoicing and bookkeeping for US and Canadian small businesses. [Compare](https://toolgpa.com/compare/wave-vs-zoho-books)
- [Odoo](https://toolgpa.com/tools/odoo): Business app suite whose Accounting app is free when used on its own. [Compare](https://toolgpa.com/compare/odoo-vs-zoho-books)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 17, 2026:

- https://www.zoho.com/us/books/pricing/
- https://www.zoho.com/us/books/
- https://www.zoho.com/us/books/accounting-mobile-apps/
- https://www.zoho.com/us/books/windows-accounting-app/

Page: https://toolgpa.com/tools/zoho-books
Listed by ToolGPA (toolgpa.com).