Zoho Books Pricing
- Finance pricing
- $15/mo at the smallest
- Free plan
Zoho Books pricing starts at $15 a month, which is $180 over twelve months. There is a free plan, and a trial on the paid tiers: 14 days on paid plans.
Opens the vendor's own pricing page. Figures here were read from it on 19 August 2026.
Zoho Books pricing at a glance
| Entry price | Free under $50,000 of annual revenue; Standard $15 per organisation/month billed annually |
|---|---|
| Smallest invoice | $15 a month, or $180 a year |
| How that is reached | Standard at $15 a month |
| Seat minimum | None on the entry plan |
| Free plan | Yes |
| Free trial | 14 days on paid plans |
| How it charges | freemium |
| Prices read from | The vendor's own pricing page |
| Last checked | 19 August 2026 |
Every Zoho Books plan and what it costs
Read from the vendor's own pricing page on 19 August 2026. Charged as freemium. Free trial: 14 days on paid plans.
| Plan | Price | Billing | What it is |
|---|---|---|---|
| Free | $0 | per month | 1 user plus 1 accountant - Available indefinitely while revenue for the financial year stays under $50,000, capped at 1,000 invoices a year. Includes invoices, expenses, bank reconciliation, 1099 tracking and 50+ reports |
| Standard | $15 | per month | 3 users, per organisation - Billed annually; $20 billed monthly. Up to 5,000 invoices a year. Adds bank feeds, API access, custom fields and reports, recurring expenses and 1099 e-filing |
| Professional | $40 | per month | 5 users, per organisation - Billed annually; $50 billed monthly. Up to 10,000 invoices a year. Adds purchase orders, inventory tracking, project profitability, retainers and multi-currency |
| Premium | $60 | per month | 10 users, per organisation - Billed annually; $70 billed monthly. Up to 25,000 invoices a year. Adds budgets, cash-flow forecasting, fixed assets, basic revenue recognition and a custom domain |
| Elite | $120 | per month | 10 users, per organisation - Billed annually; $150 billed monthly. Up to 100,000 invoices a year. Adds warehouse management, serial and batch tracking and sales-channel connections |
| Ultimate | $240 | per month | 15 users, per organisation - Billed annually; $275 billed monthly. Adds advanced analytics over three million rows |
| Extra users Add-on | $2.50 | per month | per user - Billed annually; $3 billed monthly. The mechanism that makes a fourth user cost $30 a year rather than a tier change |
| Zoho Payroll Add-on | $29 | per month | A separate product. Standard is $29 an organisation a month billed annually plus $5 an employee, or $39 plus $6 billed monthly |
What Zoho Books costs beyond the advertised price
Each of these is a figure you can check on the vendor's own page. The arithmetic is shown so you can redo it rather than take our word for it.
- Charged on top of a plan$348 a year
Zoho Payroll is charged on top of a plan rather than instead of one: $29 a month, which is $348 a year on top of whichever tier you hold.
Working$29 a month x 12 = $348 a year, added to a tier price rather than replacing it.
Computed from the plan table on Zoho Books pricing , read 19 August 2026
- Monthly billing costs more$60 a year
The advertised $15 on Standard is the annual-payment rate. Paying monthly is $20, so the commitment is worth $60 a year per organisation.
Working$20 - $15 = $5 a month, x 12 = $60 a year per organisation.
Computed from the plan table on Zoho Books pricing , read 19 August 2026
- Charged on top of a plan$30 a year
Extra users is charged on top of a plan rather than instead of one: $2.50 a month, which is $30 a year on top of whichever tier you hold.
Working$2.50 a month x 12 = $30 a year, added to a tier price rather than replacing it.
Computed from the plan table on Zoho Books pricing , read 19 August 2026
Fixed mechanics above add $438 a year to the advertised price. Usage-dependent charges are listed but not summed, because a figure that depends on how much you use cannot be added to one that does not.
What Zoho Books actually costs over a year
A monthly price is not the same thing as a monthly contract. These are the plans above resolved both ways, per seat or unit where the plan is charged that way. Where a vendor quotes only a yearly figure it is divided by twelve rather than left out, and the Quoted column says which figure the vendor actually publishes.
| Plan | Quoted | Monthly | Over 12 months |
|---|---|---|---|
| Standard3 users, per organisation | per month | $15 | $180 |
| Professional5 users, per organisation | per month | $40 | $480 |
| Premium10 users, per organisation | per month | $60 | $720 |
| Elite10 users, per organisation | per month | $120 | $1,440 |
| Ultimate15 users, per organisation | per month | $240 | $2,880 |
| Extra users add-onper user | per month | $2.50 | $30 |
| Zoho Payroll add-on | per month | $29 | $348 |
Cancelling Zoho Books, and getting money back
Read from the published Zoho Books terms on 18 September 2026. These are the terms, not legal advice: consumer law where you live may give you rights the terms do not mention.
| When you cancel | Subscriptions auto-renew until cancelled, with an email before each renewal stating the amount and a receipt after it. Zoho refunds in full if you cancel up to five business days after a monthly renewal, or fifteen days after an annual one. |
|---|---|
| Changing mid-term | Partially downgrading an annual subscription - fewer licences, a lower edition, a dropped add-on - is credited as an extension of the subscription rather than money back. An account terminated for a terms violation gets no refund, full or pro-rated. |
Zoho FAQ, refund policy ↗ · read 18 September 2026
Zoho Books pricing against its competitors
Compared on the smallest invoice each vendor will accept, not on the advertised per-seat rate. Where a product has a seat minimum, the figure below is the minimum times the rate, because that is the cheque you would actually write.
| Product | Cheapest paid entry | Free plan | Against Zoho Books |
|---|---|---|---|
| Zoho Books | $15 a month | Yes | This product |
| Wave | $19 a month | Yes | +$4 a month (+27%) |
| Xero | $25 a month | No | +$10 a month (+67%) |
| QuickBooks Online | $38 a month | Yes | +$23 a month (+153%) |
Which Zoho Books plan should you buy?
| Your situation | Recommended | Why |
|---|---|---|
| Your annual revenue is under $50,000 | Free | Indefinitely free with double-entry accounting, one user plus an accountant, and up to 1,000 invoices a year. |
| A small business with two or three people in the books | Standard | $15 an organisation a month billed annually with three users included, plus bank feeds and API access. This is the cheapest credible multi-user accounting in our comparison. |
| You hold stock or bill projects | Professional | $40 a month billed annually. Inventory, purchase orders and project profitability start here. |
| You issue more than 5,000 invoices a year | Professional, for volume rather than features | Standard caps at 5,000 invoices a year, so the upgrade is forced by throughput. |
| You need budgets, forecasting or fixed assets | Premium | $60 a month billed annually, with ten users included. |
| You need US payroll on the same bill | Consider QuickBooks or Wave instead | Zoho Payroll is a separate product and a separate subscription. |
Zoho licensing costs
Every other Zoho product priced on this site, with the smallest invoice each will accept and the specific questions answered for it.
- Zoho CRM pricing - from $14 a month on Standard
Per organisation, not per person
This is the whole argument. Accounting software gets expensive because the people who need to see the books multiply, and every rival we price in finance responds to that either by charging per person or by gating people behind tiers.
| At three users | A year |
|---|---|
| Zoho Books Standard | $180 |
| Wave Pro | $190 |
| Xero Early | $300 |
| FreshBooks Lite plus two users | $540 |
| QuickBooks Essentials | $900 |
The per-tier rates are the vendors’ own; the annual figures are arithmetic on them. A fourth user here costs $2.50 a month. On QuickBooks the fourth user is a tier change from Essentials to Plus, which is $40 a month more.
The cap is on invoices, and it is real
What you give up for per-organisation pricing is invoice volume. The pricing FAQ publishes the limits:
| Plan | Invoices a year | Users |
|---|---|---|
| Free | 1,000 | 1 plus an accountant |
| Standard, $15 a month | 5,000 | 3 |
| Professional, $40 a month | 10,000 | 5 |
| Premium, $60 a month | 25,000 | 10 |
| Elite and Ultimate | 100,000 | 10 and 15 |
Five thousand a year is roughly 400 a month, which most small businesses will never approach and a subscription business will pass in a quarter. Price against your real volume, because on this product the upgrade is forced by throughput rather than by features.
The free plan is a plan, not a trial
Free lasts indefinitely while your revenue for the financial year stays under $50,000, and it is real double-entry accounting - invoices, expenses, bank reconciliation, 1099 tracking, fifty-plus reports. One user plus an accountant, 1,000 invoices a year.
Set that against the free tiers in the same category: QuickBooks allows one user, two invoices a month and no accountant access; Wave is unlimited on both but only serves US and Canadian payments and payroll; Xero and FreshBooks have no free plan at all.
What sits on a separate bill
Payroll. Zoho Payroll is a different product: $29 an organisation a month plus $5 an employee on annual billing. Xero’s Gusto-powered payroll is $36 a month plus $6, and QuickBooks sells payroll only bundled with accounting from $88 a month plus $7 an employee - so Zoho is the cheapest of the three, on two invoices rather than one.
Your accountant’s time. This is the cost this profile cannot put a number on. In the United States most accountants and bookkeepers work in QuickBooks, and a ledger they have to learn can cost more in fees than the $720 a year the software saves. Ask them first. It is a five-minute question with a large answer.
What we have not done
Nobody here has kept a set of books in Zoho Books, closed a month in it, or tested how many banks its feeds reach. What is checked here is the price list, the user allowances, the invoice caps and the free plan’s revenue threshold, all read from Zoho’s own pricing page on 19 August 2026.
Zoho Books questions, answered
- Does Zoho Books have a free plan or free trial?
- Zoho Books has a free plan. A free trial is available: 14 days on paid plans.
- Can I self-host Zoho Books?
- No. Zoho Books is a hosted service only, so your data lives on the vendor's infrastructure.
Opens the vendor's own pricing page. Figures here were read from it on 19 August 2026.
What this profile is based on
Nobody here has used Zoho Books. This profile is desk research: prices read from the pages cited below, on the dates shown , from 2 primary sources , with a capture taken by us . How we research a profile.
Desk research from Zoho's own pricing pages for Books and Payroll, read on 19 August 2026 through a United States egress. The user allowances, extra-user price and annual invoice limits come from the pricing page's own FAQ rather than the plan cards, which do not carry the invoice figures. Nobody here has kept books in Zoho Books, and bank-feed coverage was not tested.
Where Zoho Books appears on this site
- Another profile Akaunting names it as a competitor
Counts pages on this site that name the product by choice - price guides, pricing question pages, deal records and other profiles. Category and directory indexes list everything automatically and are not counted.
Provenance and freshness
Individually sourced claims
-
Standard is $15 an organisation a month billed annually, or $20 billed monthly
Zoho Books pricing ↗ · checked
-
Users included by tier are 1 plus an accountant on Free, 3 on Standard, 5 on Professional, 10 on Premium and Elite and 15 on Ultimate
Zoho Books pricing FAQ ↗ · checked
-
Extra users are $2.50 a user a month billed annually, or $3 billed monthly
Zoho Books pricing FAQ ↗ · checked
-
The free plan is available indefinitely while revenue for the financial year does not exceed $50,000
Zoho Books pricing FAQ ↗ · checked
-
Annual invoice limits are 1,000 on Free, 5,000 on Standard, 10,000 on Professional, 25,000 on Premium and 100,000 on Elite and Ultimate
Zoho Books pricing FAQ ↗ · checked
-
Zoho Payroll Standard is $29 an organisation a month plus $5 an employee billed annually, or $39 plus $6 billed monthly
Zoho Payroll pricing ↗ · checked
What has changed
-
August 2026
- First published, with every tier, user allowance and invoice cap read from the vendor's pricing page
- Recorded that pricing is per organisation rather than per user
- Recorded the annual invoice limits, which force upgrades before features do
Sources & verification
Facts on this page were read from the sources below on the dates shown. Where a vendor does not publish a figure, we record it as not disclosed rather than estimating it.
- Zoho Books pricing - checked 19 August 2026
- Zoho Payroll pricing - checked 19 August 2026
Spotted something out of date? Email contact@everyany.one and we will re-check it. Corrections are logged on the page.