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Xero vs Zoho Invoice
Priced at four client counts, the features checked against both pricing pages.
Take Xero if you want what accountants expect, a mature platform with a large ecosystem and one price for everyone. Take Zoho Invoice if you want a free plan you can run on, getting paid first and the cheapest way to invoice. Zoho Invoice is cheaper at every size we price.
What each one actually costs
The real monthly figure at four client counts with the add-ons each platform forces on you included, from the same engine the shortlist quiz uses. The cheaper of the two is marked on every row.
| Xero | Zoho Invoice | Difference | |
|---|---|---|---|
| 5 clients | $27 | $0 | $27 |
| 25 clients | $59 | $0 | $59 |
| 50 clients | $59 | $0 | $59 |
| 100 clients | $59 | $0 | $59 |
What is actually different
- Xero lists bank feeds, inventory, multi-currency, payroll, receipt capture and VAT or sales tax filing where Zoho Invoice does not, which is their own wording rather than something we verified.
- Zoho Invoice lists an API and integrations, a mobile app and recurring invoices and subscriptions where Xero does not, which is their own wording rather than something we verified.
No verdict from me yet
I have not used Xero or Zoho Invoice on camera, so everything on this page comes from their own pricing pages, re-read weekly, and nothing from my own experience. When I review either, it will be here.
Before you sign up to either
| Xero | Zoho Invoice | |
|---|---|---|
| Free trial | 30 days | None published |
| Free plan | None | None |
| Contract | Monthly, auto-renews until cancelled; first month free; downgrade one month after upgrading | Free; no subscription |
| Payment fee | None on top | None on top |
Reading further
The full price ladder, every plan and the add-ons charged on top are on each platform's own page. If neither of these two is quite it, each page also has the alternatives ranked against it.
People search for this comparison as: zoho invoice vs xero.
Questions people ask about these two
Is Xero or Zoho Invoice cheaper?
Zoho Invoice is cheaper at every size we price.
How much does Xero cost a month?
Xero is $27 a month at 5 clients and $59 at 100 clients, read off their own pricing page and re-checked every week.
How much does Zoho Invoice cost a month?
Nothing, at the sizes we price. Zoho Invoice's Free plan covers 5 to 100 clients, so the figure in our table is $0 at all four. Paid plans add features rather than seats.
Does Xero or Zoho Invoice have a free trial?
Xero publishes a 30-day free trial. Zoho Invoice has a Free plan at $0.
Make a third option? If you make accounting and invoicing platforms and it is missing from this list, ask to be shortlisted. Listings are free and cannot be bought.
Neither, or not sure?
A head to head only helps once you have picked the two. The shortlist asks 7 questions about what you need the books to do and where you are based, and gives you four picks priced at your own numbers, from all 14.
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