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QuickBooks Online vs Zoho Books

QuickBooks Online: The default choice for most US accountants. Payroll, payments and time tracking are separate paid add-ons. Zoho Books: Has a free plan for small revenue and inventory features on paid plans. Prices listed are per organization.

US list prices in USD, read from each vendor's public pricing page on Nov 14, 2026. Intro discounts are not counted. Sources.

Plans and prices

ToolPlanPriceIncluded
QuickBooks OnlineSimple Start$38/mo1
QuickBooks OnlineEssentials$85/mo3
QuickBooks OnlinePlus$140/mo5
QuickBooks OnlineAdvanced$340/mo25
Zoho BooksFreeFree1 user + 1 accountant. 1,000 invoices a year; while revenue stays under $50K
Zoho BooksStandard$20/mo3
Zoho BooksProfessional$50/mo5
Zoho BooksPremium$70/mo10

The cheapest paid plan is $38 a month at QuickBooks Online and $20 a month at Zoho Books, a gap of $216 a year ($648 over three years).

Where each one rates higher

Our fit ratingQuickBooks OnlineZoho Books
PayrollStrongLimited
InventoryStrongStrong
InvoicingGoodGood
Accountant accessStrongGood
Several usersStrongGood
Ease of learningGoodGood
Free planMinimal or noneGood

Ratings are our editorial judgments, published on How we score. They are not vendor claims.

Who wins for four typical setups

Same scoring as the quiz, limited to these two tools, for US businesses.

SetupBetter fit
Solo freelancer, 5 invoices a month, wants freeZoho Books
Product shop, 3 users, works with an accountantQuickBooks Online
Small team with payroll and an accountantQuickBooks Online
Invoice-heavy, wants to stay under $30 a monthZoho Books

Visit QuickBooks Online Visit Zoho Books

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