Zoho Books Pricing 2026: Every Plan, Add-On and Real Cost Explained
Zoho Books pricing for 2026 explained by an accountant: the free plan, Standard to Ultimate, extra users and add-ons, and how it compares with Xero and QuickBooks as your team grows.
So, how much does Zoho Books cost? Less than almost any other full accounting software. There’s a genuinely free plan, paid plans start at $15 a month billed yearly, and extra users are just $2.50 a month.
I’m an accountant, and I’ve gone through Zoho Books’ 2026 US pricing plan by plan. Below is what each plan costs and includes, the limits that push you up a tier, the add-ons, and how it compares with Xero and QuickBooks as your team grows.
Quick answer
- Free: $0 while your revenue is $50K a year or less. 1 user plus your accountant.
- Standard: $20 a month, or $15 billed yearly. 3 users and bank feeds. The plan most small businesses need.
- Professional: $50, or $40 yearly. Adds inventory, multi-currency and projects.
- Higher plans: Premium $70, Elite $150 and Ultimate $275 a month ($60, $120 and $240 yearly).
- Extra users: $3 a month, or $2.50 billed yearly. 14-day free trial on paid plans.
Zoho Books · checked 2 Nov 2026
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Paid plans from $15 a month billed yearly, or stay on the free plan while your revenue is $50K or less.
Zoho Books Plans and Prices in 2026
| Plan | Monthly | Billed yearly | Users | Invoices a year |
|---|---|---|---|---|
| Free | $0 | $0 | 1 + accountant | 1,000 |
| Standard | $20 | $15/mo | 3 | 5,000 |
| Professional | $50 | $40/mo | 5 | 10,000 |
| Premium | $70 | $60/mo | 10 | 25,000 |
| Elite | $150 | $120/mo | 10 | 100,000 |
| Ultimate | $275 | $240/mo | 15 | 100,000 |
Drawn from the table above. Lowest price highlighted.
Is Zoho Books Really Free?
Yes, with limits. The Free plan stays free while your revenue is $50K a year or less. It includes invoices, quotes, expenses, journals, bank reconciliation, recurring invoices, online payments, a customer portal, 1099 tracking and more than 50 reports.
The main thing it lacks is bank feeds. You import statements yourself, or move to Standard for automatic feeds. See my best free accounting software guide for how it compares with Wave and others.
What Each Paid Plan Adds
Standard: $15 a month billed yearly
Bank feeds, sales and use tax tracking, 1099 e-filing, recurring expenses, period locking, custom fields and reports, and 3 users. This is where most small businesses should start.
Professional: $40 a month billed yearly
Inventory tracking, multi-currency, sales and purchase orders, timesheet billing, project profitability, retainers, price lists, approval workflows and 5 users. The plan for product businesses and anyone trading in other currencies.
Premium: $60 a month billed yearly
Budgets, cash flow forecasting, fixed assets, a vendor portal and custom modules, with 10 users.
Elite: $120 a month billed yearly
Advanced inventory with multiple warehouses, serial and batch tracking, shipping labels, and connections to Amazon, Etsy, eBay and up to 2 Shopify stores.
Ultimate: $240 a month billed yearly
Advanced analytics, 50+ visualisations, KPI tracking and 15 users.
Add-Ons and Extra Costs
| Add-on | Monthly | Billed yearly |
|---|---|---|
| Extra user | $3 | $2.50 |
| Receipt autoscans (50 a month) | $10 | $8 |
| Extra location | $12 | $10 |
| Expense claims (per active user) | $9 | $7 |
| BillPay (100 ACH vendor payments) | $69 | $59 |
Drawn from the table above. Lowest price highlighted.
Payroll isn’t part of Zoho Books. Zoho sells Zoho Payroll as a separate product. Card processing fees depend on the payment provider you connect.
How Zoho Books Compares as Your Team Grows
This is where Zoho Books stands out. Three people on Standard cost $180 a year. Add 7 more users at $2.50 a month and 10 people still cost just $390, against $708 on Xero and $4,080 on QuickBooks Advanced.
Accountant’s tip
Check which plan you need, not just which users. If you need inventory or multi-currency, compare Professional ($480 a year) rather than Standard. That’s still well below Xero Established or QuickBooks Plus.
Zoho Books vs Xero vs QuickBooks on Price
| Zoho Books Standard | Xero Growing | QuickBooks Essentials | |
|---|---|---|---|
| Monthly (yearly billing for Zoho) | $15 | $59 | $85 |
| Users included | 3 | Unlimited | 3 |
| Extra users | $2.50 each | Free | Higher plan |
| Free plan | Yes, up to $50K revenue | No | No |
| Accountant familiarity | Lower | High | Highest |
Zoho Books wins on price. Xero and QuickBooks win on how many accountants and apps already work with them. If your accountant uses Xero or QuickBooks, that can save more in fees than Zoho saves in subscriptions. See my Xero vs Zoho Books comparison.
Xero partner offer · ends 31 March 2027
Prefer Xero? Get 80% off for 6 months
Unlimited users on every plan and 1,000+ connected apps. New customers only.
Which Zoho Books Plan Should You Choose?
| If you… | Choose |
|---|---|
| Earn under $50K a year and can import bank statements | Free |
| Want bank feeds and up to 3 users | Standard |
| Hold stock or trade in other currencies | Professional |
| Need budgets and cash flow forecasts | Premium |
| Sell on Amazon, Etsy, eBay or Shopify with several warehouses | Elite |
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My Verdict
Zoho Books is the best value full accounting software I know. The free plan is genuinely usable, Standard at $15 a month billed yearly covers most small businesses, and extra users cost almost nothing.
The trade-offs are fewer accountants who know it, and a smaller app ecosystem than Xero or QuickBooks. If those don’t worry you, it’s hard to beat on price.
Zoho Books · checked 2 Nov 2026
Start with Zoho Books
Free plan up to $50K revenue, or a 14-day free trial of any paid plan.
Frequently Asked Questions
How much does Zoho Books cost?
In the US, Standard is $20 a month or $15 billed yearly, Professional $50 or $40, Premium $70 or $60, Elite $150 or $120, and Ultimate $275 or $240. There’s also a free plan.
Does Zoho Books have a free plan?
Yes. It’s free for 1 user plus your accountant while your revenue is $50K a year or less, with up to 1,000 invoices a year. It doesn’t include bank feeds.
Does Zoho Books charge for extra users?
Yes, $3 a month per user, or $2.50 billed yearly. Each plan includes some users: 3 on Standard, 5 on Professional and 10 on Premium.
Is Zoho Books cheaper than QuickBooks?
Yes, by a long way. Three users cost $180 a year on Zoho Books Standard, against $1,020 on QuickBooks Essentials.
Is Zoho Books cheaper than Xero?
For most small teams, yes. Xero Growing is $708 a year with unlimited users, while Zoho Books Standard is $180 for 3 users and $390 for 10.
Does Zoho Books have a free trial?
Yes, 14 days on paid plans.
Does Zoho Books include payroll?
No. Zoho sells Zoho Payroll as a separate product.
Next steps: Zoho Books review · Xero vs Zoho Books · best free accounting software · best accounting software for small business.
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