The main difference between Zoho Books and QuickBooks Online is that Zoho Books has a free plan for companies with an annual revenue of less than $50,000. QuickBooks Online is more expensive for businesses with fewer than 15 users, but it stands out with its vast network of QuickBooks ProAdvisors, which lets you find a local bookkeeper easily if you need support. Both are great for mobile accounting, but you might appreciate the extra features in Zoho Books’ app, such as the ability to record time worked.
After carefully evaluating Zoho Books vs QuickBooks, we found that:
- Zoho Books is ideal for small businesses that need a free solution and larger companies seeking an affordable QuickBooks Online alternative with strong mobile accounting features
- QuickBooks Online is better for businesses running their own payroll or wanting easy access to a wide network of local and online bookkeepers for help when needed
I evaluated each retail accounting system based on how well it supports real retail workflows, including inventory tracking, sales activity, and day-to-day financial management. I focused on what actually works in practice — how transactions flow, how inventory connects to accounting, and how easy it is to manage operations without extra tools.
- General features: I reviewed how each system handles core accounting tasks like general ledger, banking, accounts receivable, accounts payable, sales tax, and financial reporting. I gave more weight to platforms that deliver reliable, complete accounting without requiring workarounds.
- Retail-specific features: I examined tools that directly support retail operations, including inventory management, sales tax tracking, and POS integration. I prioritized systems that keep inventory and financial data aligned in real time.
- Pricing: I compared monthly costs, user limits, and feature availability across plans. I looked closely at whether key retail features are included in entry-level tiers or locked behind upgrades.
- Ease of use: I assessed how quickly a non-accountant can complete common tasks like invoicing, expense tracking, and reporting. I focused on navigation clarity and how much setup is required to get started.
- Customer support: I reviewed available support channels, including phone, chat, email, and help documentation, to see how easily users can get assistance when needed.
- User reviews: I analyzed average ratings from trusted review platforms to understand how each system performs in real-world use.
 |  | |
|---|---|---|
| Our Overall Rating (Out of 5★) | 4.40 ★ | 4.40 ★ |
| Monthly Pricing | $0 to $275 | $38 to $275 |
| Number of Users | 1 to 15 | 1 to 25 |
| Free Trial | 14 days for paid plans | 30 days |
| Free Plan | ✓ | ✕ |
| Deployment Type | Cloud | Cloud |
| Phone Support | ✓ | Callback—unless you upgrade to Advanced |
| Client Portal | ✓ | ✕ |
| Support Network of Independent Bookkeepers | Very limited in the US | Exceptional |
| Payroll | ✕ | Add-on |
| Automatic Sales Tax Calculations | ✕ | ✓ |
| Inventory Serial Tracking | ✓ | ✕ |
| Fixed Asset Management | ✕ | Advanced plan |
| Ease of Use | Easy | Easy |
| Visit Zoho Books | Visit QuickBooks Online | |
| Both Zoho Books and QuickBooks Online provide core accounting features, including banking, A/R and A/P management, inventory tracking, project accounting, and reporting. | ||
- Zoho Books vs QuickBooks Online Quiz
- Need help choosing between Zoho Books and QuickBooks Online?
- Use Cases and Pros & Cons
- Fit Small Business Case Study
- User Reviews: Tie
- Pricing: Zoho Books Wins
- Features: QuickBooks Online Wins
- Mobile App Functionality: Zoho Books Wins
- Ease of Setup: QuickBooks Online Wins
- Ease of Use: Tie
- Customer Support: Tie
- Integrations: Tie
- Frequently Asked Questions (FAQs)
- Bottom Line
Zoho Books vs QuickBooks Online Quiz
Need help choosing between Zoho Books and QuickBooks Online?
Use Cases and Pros & Cons
- Freelancers and very small businesses with a few clients: Unlike QuickBooks Online, Zoho Books offers a free plan that is suitable for companies with less than $50,000 annual revenue and those that require fewer than 1,000 invoices per year.
- Mobile accounting: The Zoho Books mobile app has more features than the QuickBooks Online app. For instance, it lets you record bills and bill payments, whereas QuickBooks can’t. This is one of the reasons why it makes Zoho Books our overall best QuickBooks alternative.
- Businesses using other Zoho products: Zoho Books is one of the apps within the Zoho suite. If you’re already using its other platforms, such as Zoho Expense and Zoho CRM, choosing Zoho Books is more practical because it’s easier to work with interconnected apps.
- Users needing a client portal: You can use the client portal to let customers view and manage their transactions. They can also see their accounts, accept or reject estimates, and pay invoices. In contrast, QuickBooks doesn’t have a client portal.
- Manufacturers that want to track high-value items: Manufacturing firms needing to monitor individual items rather than groups, such as consumer electronics manufacturers, can upgrade to Zoho Books’ Elite plan for serial inventory tracking.
Overall Score: 4.40 / 5
| RATING CRITERIA | Pricing | 3.80 out of 5 | |
|---|---|---|---|
| General | 5.00 out of 5 | ||
| Banking | 4.60 out of 5 | ||
| Accounts Payable (A/P) | 4.90 out of 5 | ||
| Accounts Receivable (A/R) | 4.80 out of 5 | ||
| Inventory Management | 5.00 out of 5 | ||
| Project Accounting | 4.60 out of 5 | ||
| Sales Tax Management | 3.90 out of 5 | ||
| Mobile App | 5.00 out of 5 | ||
| Reporting | 4.90 out of 5 | ||
| Integrations | 5.00 out of 5 | ||
| Ease of Setup | 3.30 out of 5 | ||
| Ease of Use | 4.20 out of 5 | ||
| Customer Support | 4.00 out of 5 | ||
| User Reviews | 4.40 out of 5 |
Pros
- Offers a free plan for businesses that make less than $50,000 a year
- Has the most powerful app among all the accounting software we’ve reviewed
- Is packed with features but more affordable than most similar programs
- Integrates with other Zoho products, like Zoho Inventory and Zoho CRM
- Includes phone support in all its plans
Cons
- Has limited invoices in the Free and Standard plans
- Lacks built-in payroll services
- Can’t track the actual inventory used in a project when comparing it to the budget
- Has a limited network of bookkeepers; can be difficult to seek help
- Businesses needing easy access to local bookkeepers: A remarkable feature of QuickBooks Online is that it has a vast network of QuickBooks ProAdvisors, making it easy to find a local bookkeeper in case you need one. This is one reason QuickBooks Online is our overall best small business accounting software.
- Processing your own payroll: QuickBooks Online integrates seamlessly with QuickBooks Workforce (formerly QuickBooks Payroll), which lets you pay employees, compute and withhold payroll taxes, and account for employee benefits in any state. Zoho Payroll is only available in New York, California, Texas, and Florida.
- Businesses with 15 to 25 users: QuickBooks Online is a more affordable option than Zoho Books if you have 15 to 25 users. Zoho Books is priced at $275 for 15 users, while QuickBooks Online is only $235 for 25 users.
- Fixed asset accounting: The new fixed asset accounting tool in QuickBooks Online Advanced allows you to enter and manage fixed assets. It lets you automatically calculate depreciation for fixed assets, set up depreciation schedules, and run fixed asset reports. Meanwhile, Zoho Books has no fixed asset accounting.
Overall Score: 4.40 / 5
| RATING CRITERIA | Pricing | 3.50 out of 5 | |
|---|---|---|---|
| General | 5.00 out of 5 | ||
| Banking | 5.00 out of 5 | ||
| Accounts Payable (A/P) | 5.00 out of 5 | ||
| Accounts Receivable (A/R) | 5.00 out of 5 | ||
| Inventory Management | 4.90 out of 5 | ||
| Project Accounting | 4.30 out of 5 | ||
| Sales Tax Management | 4.00 out of 5 | ||
| Mobile App | 3.50 out of 5 | ||
| Reporting | 5.00 out of 5 | ||
| Integrations | 5.00 out of 5 | ||
| Ease of Setup | 4.10 out of 5 | ||
| Ease of Use | 4.20 out of 5 | ||
| Customer Support | 4.00 out of 5 | ||
| User Reviews | 4.30 out of 5 |
Pros
- Has a huge network of QuickBooks ProAdvisors; makes it easy to find help if needed
- Is more affordable than Zoho Books for 15 to 25 users
- Offers detailed reporting, including income and expense tracking by class and location
- Is customizable to any type of business, such as ecommerce and farm
- Has payroll services through QuickBooks Workforce
- More affordable than Zoho Books for 15 to 25 users
Cons
- Doesn’t allow you to directly place a phone call to a support agent unless you upgrade to Advanced
- Offers project accounting and inventory management only in the higher plans
- Has lower tier plans, but they’re a bit more expensive than Zoho Books
Read our QuickBooks Online review
If neither fits the bill, check out our roundup of the
best small business accounting software
for additional solutions.
Fit Small Business Case Study
We compared Zoho vs QuickBooks using our internal case study and summed up the results in the chart below.
Zoho Books vs QuickBooks Online Case Study
Zoho Books vs QuickBooks Online
Touch the graph above to interact Click on the graphs above to interact
- Zoho Books From $0; $50 as tested
- QuickBooks Online From $35 per month; $99 as tested
User Reviews: Tie
Zoho Books and QuickBooks Online have similar ratings from users, with both receiving a mix of positive and negative feedback—which is why we consider this category a tie.
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Average Rating on Third-party Sites | 4.4★[1][2] | 4.3★[3][4] |
| Users Like |
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| Users Dislike |
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Many users like that Zoho Books has a clean and organized layout, making it easy to navigate. Some commented that it has a wide range of plans to accommodate diverse business needs, while others appreciate the Zoho Books integration with other Zoho products to address various business workflows. On the downside, some wish that the invoices were more customizable and that it had built-in payroll features.
Meanwhile, some QuickBooks Online users like that it’s easy to connect their bank accounts and that it has many time-saving tools, like recurring invoices. Many are also impressed that it integrates with plenty of business apps. However, one said they’re frustrated with QuickBooks’ customer support, explaining that support doesn’t call them back when they say they will. Others also complained that it’s a bit expensive and that some of the updates are not helpful (e.g., the new dashboard contains some useless information).
Pricing: Zoho Books Wins
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 3.8★ | 3.5★ |
| Monthly Pricing |
|
|
| Number of Users |
|
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| Cost per Additional User | $3 per month | N/A |
| Number of Invoices per Annum |
| Unlimited in all plans |
| Free Trial | 14 days for paid plans | 30 days |
| Discount | ✕ | 50% off for three months when you sign up without a free trial |
Zoho Books is more affordable than QuickBooks Online for less than 15 users, which is a common scenario for many small businesses. If you have a small business with five users and need inventory management and project accounting, you can save with Zoho Books’ Professional plan at $50 per month, compared with QuickBooks Online’s Plus at $115 a month.
Another important consideration is that Zoho Books has a low fee for adding extra seats ($3 per user, per month). When we do the math, a total of 15 users in the Professional plan would cost $80 per month, compared with QuickBooks Plus at $115 monthly but with only five seats.
However, QuickBooks Online is more affordable than Zoho Books for 15 to 25 users. Zoho Books Ultimate costs $275 monthly for 15 seats, while QuickBooks Advanced is only $275 monthly for up to 25 users. This doesn’t affect our pricing score because most small businesses don’t need that many seats.
If you’re unsure which version of QuickBooks Online is right for you, check out our
comparison of QuickBooks Online plans
to help you decide.
Features: QuickBooks Online Wins
While QuickBooks and Zoho Books are tied in all the categories below, we still believe QuickBooks generally has a more enhanced feature set. The accounting features are more flexible and easier to use, and the addition of fixed asset accounting in QuickBooks Online Advanced is a significant advantage.
Banking & Cash Management: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 4.6★ | 5★ |
| Upload Bank Statements | ✓ | ✓ |
| Connect to Bank Account | ✓ | ✓ |
| Reconcile Bank Account With Bank Feeds | ✓ | ✓ |
| Reconcile Bank Accounts Without Bank Feeds | ✓ | ✓ |
| Print Checks | ✓ | ✓ |
| Group Multiple Checks Into a Single Deposit | ✓ | ✓ |
| Enter Monthly Service Fees as Part of Reconciliation | ✕ | ✓ |
Despite a few limitations of Zoho Books, we consider this section a tie. They’re both capable of importing bank transactions and reconciling bank accounts, which is what’s important for businesses. With Zoho Books, you’ll need to be sure to enter monthly service fees as a transaction prior to starting your reconciliation, but we don’t consider that a major issue.
A/R Management: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 4.8★ | 5★ |
| Create & Issue Invoices | ✓ | ✓ |
| Customize Invoices | ✓ | ✓ |
| Email & Print Invoices | ✓ | ✓ |
| View Outstanding Invoices | ✓ | ✓ |
| Create Recurring Invoices | ✓ | ✓ |
| Accept Short Payments From Customers | ✓ | ✓ |
| View Balance by Customer | ✓ | ✓ |
| Calculates Sales Tax Rate Based on Customer Address | ✕ | ✓ |
| Issue a Refund Check | ✕ | ✓ |
QuickBooks Online and Zoho Books are equally great in terms of A/R management. Both come with powerful invoicing features, which are far more commendable than other similar software programs. QuickBooks, unlike Zoho, allows you to refund a customer’s credit balance with a check, but this isn’t a critical need for most businesses. Hence, we consider this section a tie.
A/P Management: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 4.9★ | 5★ |
| Manage & Track Unpaid Bills | ✓ | ✓ |
| Manage Vendor Information | ✓ | ✓ |
| Capture Expense Receipts | ✓ | ✓ |
| Set Up Recurring Expenses | ✓ | ✓ |
| Enter Purchase Orders (POs) | ✓ | ✓ |
| Enter a Vendor Credit | ✓ | ✓ |
| Track Payments to Independent Contractors | ✓ | ✓ |
| Short Pay an Invoice | ✓ | ✓ |
| Apply a Vendor Credit When Paying a Bill | ✕ | ✓ |
QuickBooks Online is slightly better than Zoho Books, as some of its A/P features are easier to use. For instance, you can apply a vendor credit when paying a bill instantly, unlike Zoho Books, which requires you to enter a vendor credit on a separate screen from paying the bill. However, despite this difference, both systems are efficient in handling A/P, making it a tie overall.
Inventory Management: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 5★ | 4.9★ |
| Create an Inventory Item | ✓ | ✓ |
| Track the Cost of Goods Available | ✓ | ✓ |
| View Inventory Available | ✓ | ✓ |
| Track Total Units & Costs | ✓ | ✓ |
| Adjust the Cost & Quantity of Inventory | ✓ | ✓ |
| View Inventory on PO | ✓ | ✓ |
| Record Inventory Returned Back Into Inventory | ✓ | ✓ |
| Inventory Management Feature Availability | Professional and higher plans | Plus and Advanced |
Product-based businesses will find Zoho Books and QuickBooks Online reliable for inventory management. Both let you create an inventory item and manage and track inventory and make any adjustments easily, if needed.
That said, we consider this another draw. Your choice may then boil down to pricing. If you have more than five users, you might choose Zoho Books. Inventory management in QuickBooks Online Plus costs $115 per month, while it’s only $50 monthly in Zoho Books’ Professional plan—both of which include up to five users. With Zoho Books, you can add extra users for only $3 each monthly.
Mobile App Functionality: Zoho Books Wins
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 5★ | 3.5★ |
| Accessibility | iOS and Android | iOS and Android |
| Create & Send Invoices | ✓ | ✓ |
| Accept Payments Online | ✓ | ✓ |
| Capture Expense Receipts | ✓ | ✓ |
| Categorize Expenses From Bank Feeds | ✓ | ✓ |
| View Reports | ✓ | ✓ |
| Enter Bills & Bill Payments | ✓ | ✕ |
| Record Time Worked | ✓ | ✕ |
| Assign Time Worked to a Customer or Project | ✓ | ✕ |
Both have great mobile accounting applications, but Zoho Books has some features you won’t find in QuickBooks Online, including the ability to enter bills and bill payments and track time worked. The Zoho Books mobile app, which offers all the features of the browser-based version, is great for those who are often on the go, especially those who need to track time and bill their clients. In fact, it leads our roundup of the leading mobile accounting apps.
Ease of Setup: QuickBooks Online Wins
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 3.3★ | 4.1★ |
| Onboarding Wizard | ✓ | ✓ |
| Client Import Tool | ✓ | ✓ |
| Vendor Import Tool | ✓ | ✓ |
| Service Item Import Tool | ✕ | ✓ |
| Overall Ease of Setup | Easy | Moderate |
QuickBooks Online is easier to set up due to its comprehensive onboarding wizard. Setting up your company file takes a bit of time, but every step is guided, so you won’t get lost throughout the process.
Meanwhile, Zoho Books also has a checkup list, but it sometimes doesn’t appear right away and is not as intuitive as that in QuickBooks Online. Also, unlike QuickBooks Online, Zoho Books doesn’t allow you to import service items in addition to client and vendor lists.
Ease of Use: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 4.2★ | 4.2★ |
| Accessibility | Cloud | Cloud |
| Shortcut Buttons | ✓ | ✓ |
| Customizable Dashboard | ✓ | ✓ |
| Overall Ease of Use | Easy | Easy |
Both are generally easy to use, so we consider this a tie. Both have time-saving features, like a customizable dashboard and shortcut buttons to easily create new transactions.
Customer Support: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 3.8★ | 4★ |
| Live Chat Support | ✓ | ✓ |
| Phone Support | ✓ | Callback only unless you upgrade to Advanced |
| Chatbot | ✓ | ✓ |
| Email Support | ✓ | ✕ |
| Self-help Resources | ✓ | ✓ |
Despite the score differences, we consider this a tie because both provide sufficient customer support channels for users. The main difference is in the quality of service from individual agents, which can be subjective and difficult to rate fairly.
We commend Zoho Books, as all its paid plans allow you to directly place a phone call to a customer support agent. With QuickBooks Online, you have to send a request first and then wait for someone to call you—unless you upgrade to Advanced. However, this isn’t a major issue, and wait times aren’t always long.
Integrations: Tie
| Zoho Books | QuickBooks Online | |
|---|---|---|
| Fit Small Business Score | 5★ | 5★ |
| Key Integrations | Other Zoho apps | Native and third-party integrations |
| Payroll Integration | Third-party | Native and third-party integrations |
| Time Tracking Integration | Native | Native and third-party integrations |
| Electronic Bill Pay Integration | Third-party integrations | Native and third-party integrations |
While QuickBooks Online offers more extensive integration options, both have ample libraries of integrated apps that you can use to automate different workflows, including time tracking, payroll, and electronic payment processing. That said, the two programs are tied in this category.
QuickBooks Online integrates with hundreds of third-party apps, but we believe there are a few that stand out. Explore our
best QuickBooks Online integrations for small businesses
.
How We Evaluated Accounting Software
We evaluated QuickBooks vs Zoho Books using our internal case study, as explained below.
In evaluating pricing, we considered the billing cycle (monthly or annual) and number of users.
This section focuses more on first-time setup and software settings. The software must be quick and easy to set up for new users. Even after initial setup, the software must also let users modify information like company name, address, entity type, fiscal year-end, and other company information.
The banking section of this case study focuses on cash management, bank reconciliation, and bank feed connections. The software must have bank integrations to automatically feed bank or card transactions. The bank reconciliation module must also let users reconcile accounts with or without bank feeds for optimal ease of use. Lastly, the software must generate useful reports related to cash.
The A/P section focuses on vendor management, bill management, bill payments, and other payable-related transactions. A/P features include creating vendors and bills, recording purchase orders and converting them to bills, creating service items, and recording full or partial bill payments.
This takes into account customer management, revenue recognition, invoice management, and collections. The software must have A/R features that make it easy for users to collect payments from customers, remind customers of upcoming or overdue invoices, and manage customer obligations through analytic dashboards or reports.
Businesses with inventory items should choose accounting software that can track inventory costs, manage cost of goods sold (COGS), and monitor inventory units.
Service or project-based businesses should choose accounting software that can track project costs, revenues, and profits. The software must have tools to track time, record billable hours or expenses, send invoices for progress billings, or monitor project progress and performance.
In this section, we’re looking at sales tax features. The software must have features that allow users to set sales tax rates, apply them to invoices, and enable users to pay sales tax liability.
Reports are important for managers, owners, and decision-makers. The software must have enough reports that can be generated with a few clicks. Moreover, we’d also like to see customization options to enable users to generate reports based on what they want to see.
Ease of use gets the highest weight in this case study because we want to give more credit to easy accounting software. For this section, we considered customer service, support network, and a subjective expert opinion score. Users must have easy access to customer service channels in case of problems, questions, or assistance. Support network refers to a community of software users that can extend professional help to businesses. Having an independent software expert perform the bookkeeping is good for overall ease of use. Lastly, our expert opinion score is our subjective rating based on our experience in trying the software.
The software must also have a mobile app to enable users to perform accounting tasks even when away from their laptops or desktops.
We went to user review websites to read first-hand reviews from actual software users. This user review score helps us give more credit to software products that deliver a consistent service to their customers.
Frequently Asked Questions (FAQs)
Zoho Books offers many of the same features found in QuickBooks Online at a lower price, making it a great QuickBooks alternative. It is preferable if you are a freelancer or a very small business owner who needs a free solution or an app with strong mobile accounting capabilities.
QuickBooks Online is more suitable for businesses that need a vast support network of independent bookkeepers. Companies with many employees should also consider QuickBooks as it has an integrated payroll system through QuickBooks Workforce.
If you can’t decide between QuickBooks and Zoho Books, then you may consider alternatives, such as FreshBooks and Wave. You may also check out our evaluation of the best small business accounting software for additional recommendations.
Bottom Line
When comparing Zoho vs QuickBooks, Zoho Books offers many of the same features available in QuickBooks—but with more affordable plans and an unbeatable mobile app. However, if price isn’t an issue and you want easy access to a local bookkeeper who can provide accounting support for your business, then QuickBooks Online may be the better option.
User review references:
[1]Capterra | Zoho Books
[2]G2 | Zoho Books
[3]Capterra | QuickBooks Online
[4]G2 | QuickBooks Online
