# Zoho Books — Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. > Source: Tick Mark Books — https://tickmarkbooks.com/zoho-books (structured, researched, re-verified) Zoho Books is cloud accounting software for small businesses, covering invoicing, bank feeds and reconciliation, expenses, sales tax and 1099 filing in one ledger. Zia, its built-in AI, answers finance questions, pre-fills bank categorization and drafts documents from prompts. **Best for:** Small businesses and startups that want one ledger plus the wider Zoho app suite | Fact | Value | | --- | --- | | Website | https://www.zoho.com/us/books/ | | Category | Accounting software, Bookkeepers and accounting firms, Cheapest accounting software, Freelancers and the self-employed, Free accounting software, Small businesses, Startups | | Open source | No | | Price | Free | | Price checked | 26 October 2026 | Screenshot of Zoho Books: https://tickmarkbooks.com/img/1920/screenshots/zoho-books.webp, captured 26 October 2026 **What we checked** - Pages last read: 26 October 2026 - Price on its site: Free plan (From its pricing page) ## Zoho Books in our research **Also named in** - [Freelancer accounting software with bank feeds](https://tickmarkbooks.com/collections/freelancer-accounting-software-with-bank-feeds) · Collection ## What it costs A month of books at 100 transactions: $20 a month at 100 transactions, on Standard ## Zoho Books price and plans Prices excluding tax, as Zoho Books publishes them. | Plan | Price | What's included | | --- | --- | --- | | Free | Free | Trial; Flat fee | | Standard | $20 a month | Flat fee | | Professional | $50 a month | Flat fee; adds Cost at 500 transactions a month; adds Inventory; adds Other currencies; adds Billable time; adds Profit by project or job | | Premium | $70 a month | Flat fee | | Elite | $150 a month | Flat fee | | Ultimate | $275 a month | Flat fee | Pricing page as we captured it: https://tickmarkbooks.com/img/1920/screenshots/zoho-books/pricing.webp, captured 26 October 2026 Read on https://www.zoho.com/us/books/pricing/, 26 October 2026. ## What Zoho Books costs at your volume | Transactions | Cost | Plan | | --- | --- | --- | | 100 | $20 a month | Standard | | 500 | $50 a month | Professional | ## What we checked on Zoho Books ### What it costs to keep your books **Cost at 100 transactions a month** · Yes — $20 a month on Standard for 100 transactions. > Efficiently organize your transactions, accounts, reports, and books > — https://www.zoho.com/us/books/pricing/ · Plan cards, STANDARD card, checked 26 October 2026 **Cost at 500 transactions a month** · Yes — $50 a month on Professional for 500 transactions. Standard ($20) holds up to 5,000 transactions a year; the workload priced has 6,000 transactions a year. > Confidently take on projects, track your inventory, and handle purchases > — https://www.zoho.com/us/books/pricing/ · Plan cards, PROFESSIONAL card, checked 26 October 2026 **Cost for a solo freelancer** · Yes — A freelancer with bank feeds and receipt capture needs the Standard plan at $20 per organization a month billed monthly, since bank feeds start there. > Efficiently organize your transactions, accounts, reports, and books > — https://www.zoho.com/us/books/pricing/ · Plan cards, STANDARD card with the billing toggle set to Monthly, checked 26 October 2026 **Promotion and regular price** · No — none — the $20 Standard rate is the standing month-to-month price; the lower $15 figure is simply the yearly billing rate, not a time-limited introductory offer. > Price/Org/Month Billed Annually > — https://www.zoho.com/us/books/pricing/ · Plan cards, STANDARD card price label in the Yearly toggle state, checked 26 October 2026 **Ledger included** · Yes — Zoho Books is the accounting ledger itself, so no QuickBooks or Xero subscription sits underneath it; the plan fee covers invoicing, banking, journals and the reports. > Create invoices, quotes, expenses & journals > — https://www.zoho.com/us/books/pricing/ · Plan cards, FREE plan feature list, checked 26 October 2026 **What the price is based on** · Yes — Flat per organization per month, independent of transaction volume; extra users, locations and bill pay are separately priced add-ons on top. > Price/Org/Month > — https://www.zoho.com/us/books/pricing/ · Plan cards, price label under every plan's amount, checked 26 October 2026 **Users included** · Yes — Free includes one user plus an accountant, Standard three, Professional five, Premium and Elite ten, Ultimate fifteen; extra users cost $3 each a month. > If you need more users, you can add them with the Zoho Books user add-on for $3 per user/month or $2.50 per user/month, billed annually. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'How can I add additional users to my organisation?', checked 26 October 2026 **Past your plan’s limits** · Partly — Each plan caps annual invoices and bills/expenses (5,000 a year on Standard) and the vendor's stated remedy is to email sales for a higher limit rather than a published overage rate. > If your company requires a higher invoice limit or needs further assistance, please don't hesitate to reach out to us at sales@zohocorp.com. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'How many invoices can I create in a year?', checked 26 October 2026 ### What the AI does with your books **What the AI does** · Yes — Zia answers finance questions in plain English, flags anomalies in report data, pre-fills bank statement categorization, drafts emails and generates invoices, quotes and reports from a prompt. > AI in Zoho Books is built to improve real workflows, grounded on real data, and designed to save time where it matters. > — https://www.zoho.com/us/books/accounting-software/ai-in-accounting/ · 'How does AI work in Zoho Books?' section, checked 26 October 2026 **What the AI costs** · Yes — included — the AI page carries no separate price and the receipt autoscan allowance is part of the subscription, from 50 scans a month on Free to 1,000 on Premium and above. > The "receipt autoscans" feature can be availed as part of your subscription. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'How many receipt autoscans do I get?', checked 26 October 2026 **Categorizes transactions** · Partly — Zia pre-fills the account and vendor against each imported bank line, so it suggests rather than posts by itself, and the page does not claim it learns from your corrections. > Lighten your categorization. Zia pre-fills details against the statement based on available data saving you valuable time. > — https://www.zoho.com/us/books/accounting-software/ai-in-accounting/ · 'AI for categorizing bank statements' section, checked 26 October 2026 **Reconciles your accounts** · Yes — Bank and card accounts are reconciled inside the product, with matched and pending transactions in one view and reconciliation statements exportable as PDF per account and date range. > Filter by date or bank account and export comprehensive PDF bank reconciliation statements as you need. > — https://www.zoho.com/us/books/accounting-software/bank-reconciliation/ · Bank reconciliation feature list, reconciliation statements, checked 26 October 2026 **Reads receipts and bills** · Yes — Receipts can be photographed in the mobile app, uploaded or auto-forwarded from an email inbox, and autoscans turn them into transactions within a plan-wise monthly scan allowance. > Auto forward receipts from email inbox Receipt autoscans 50 per month 200 per month 200 per month 1,000 per month > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Expenses section, receipt autoscans row, checked 26 October 2026 **Pays your bills** · Partly — Bills and vendor approvals are in the paid plans, but paying vendors by ACH with two- and three-way matching is the separate BillPay add-on at $59 a month billed annually ($69 monthly). > 100 ACH vendor payments > — https://www.zoho.com/us/books/pricing/ · Our Add-On Repository, BillPay card, checked 26 October 2026 **Sends invoices** · Yes — Invoices, recurring invoices, credit notes, payment reminders and a customer portal are on every plan, with online payment links and offline payments recorded against the invoice. > Recurring invoices Credit Notes Sales receipts Invoice customization Customer portal Multi-lingual invoicing Payment reminders Online payments Generate payment links Record Offline Payments > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Sales section, checked 26 October 2026 **Accrual books and reports** · Yes — Profit and loss, balance sheet and cash flow sit among 70+ built-in reports you can run at any time; the pages read do not state whether the books are kept on a cash or accrual basis. > Run any report, including profit & loss, balance sheet, and cash flow, any time you need. > — https://www.zoho.com/us/books/accounting-software/accounting-financial-reports/ · 'Access 70+ built-in reports' section, checked 26 October 2026 ### Who checks the AI’s work **Your accountant can sign in** · Partly — The Free plan is quoted as one user plus one accountant, so an accountant seat is free there; the paid plans are quoted only as user counts, with extra users at $3 a month. > 1 User + 1 Accountant > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Users row, Free column, checked 26 October 2026 ### Where your books live and what it connects to **Bank and card feeds** · Yes — Banks and cards connect through third-party feed providers and statements are fetched periodically by themselves, with email auto-forwarding and file upload as fallbacks; feeds start on Standard, not Free. > Securely connect multiple bank and credit cards to automatically fetch bank statements periodically through third party partners/providers > — https://www.zoho.com/us/books/accounting-software/bank-reconciliation/ · 'Connect banks and Automatically fetch bank feeds' feature block, checked 26 October 2026 **Stripe** · Partly — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two) > Stripe PayPal Authorize.Net Verifone (formerly 2Checkout) BrainTree CSG Forte Square > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Integrations section, Payment Gateways rows, checked 26 October 2026 **Shopify** · Partly — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two) > Stripe PayPal Authorize.Net Verifone (formerly 2Checkout) BrainTree CSG Forte Square > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Integrations section, Payment Gateways rows, checked 26 October 2026 **PayPal** · Partly — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two) > Stripe PayPal Authorize.Net Verifone (formerly 2Checkout) BrainTree CSG Forte Square > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Integrations section, Payment Gateways rows, checked 26 October 2026 **Square** · Partly — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two) > Stripe PayPal Authorize.Net Verifone (formerly 2Checkout) BrainTree CSG Forte Square > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Integrations section, Payment Gateways rows, checked 26 October 2026 **Gusto payroll** · No — the integrations directory returns no Gusto entry, listing SurePayroll and Zoho Payroll for payroll. > Stripe PayPal Authorize.Net Verifone (formerly 2Checkout) BrainTree CSG Forte Square > — https://www.zoho.com/us/books/pricing/pricing-comparison.html · Comparison table, Integrations section, Payment Gateways rows, checked 26 October 2026 **Payroll** · Partly — integration — payroll is not in Zoho Books itself: it comes from the separately paid Zoho Payroll, or from a SurePayroll connection that posts payroll journal entries back. > A simple yet powerful accounting and payroll integration solution. Pay your employees on time, automate payroll journal entries and do much more through Surepayroll and Zoho Books integration. > — https://www.zoho.com/us/books/addons/ · Integrations directory, Payroll Apps section, checked 26 October 2026 **Moves your history in** · Yes — Zoho moves your existing books across from QuickBooks or Xero at no charge, with assisted migration support rather than a paid onboarding package. > Switch to Zoho Books at no cost and experience stress-free, premium accounting. > — https://www.zoho.com/us/books/migration.html · Hero, 'Free migration for all businesses with Zoho Books', checked 26 October 2026 **Platforms** · Yes — Runs in the browser on web, as a Windows desktop app from the Microsoft Store, on Mac through the browser (no Mac app named), and as native iPhone and Android apps. > Zoho Books is compatible with a wide range of devices, including desktops, Mac and Windows laptops, smartphones (including iPhones and Android phones), tablets (including iPads or Android tablets), and smartwatches (both Apple and Android). Dedicated iOS and Android applications are available > — https://www.zoho.com/us/books/pricing/ · FAQ, 'Do I need to install anything to access Zoho Books?', checked 26 October 2026 **Getting your books out** · Yes — Every report, profit and loss and balance sheet included, exports to PDF or spreadsheet; instant exports cap at 5,000 records for PDF and 20,000 for spreadsheets, larger ones run asynchronously. > For PDF reports, you can export reports with up to 5,000 records instantaneously. Other file formats (Zoho Sheet, CSV, XLS, and XLSX), support 20,000 records in an instantaneous export. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'What is the limit for exporting reports in different formats?', checked 26 October 2026 ### Taxes **Files 1099s** · Yes — 1099 contractors and W-9s are tracked on every plan and 1099-MISC and 1099-NEC can be e-filed with the IRS from inside Zoho Books, or exported for Tax1099 and Yearli. > Directly e-file your 1099-MISC and 1099-NEC forms with the IRS from Zoho Books, or export your 1099 data in an IRS-compatible format > — https://www.zoho.com/us/books/accounting-software-features/1099-tracking-w9-forms/ · 1099 e-filing section, checked 26 October 2026 **Calculates sales tax** · Yes — Sales and use tax is applied to invoices and tracked across the states where you register, with nexus guidance and sales tax reports for what you owe. > Zoho Books calculates tax across the states where you have added tax registrations > — https://www.zoho.com/us/books/sales-tax-accounting-software/ · 'Built for multi-state businesses' section, checked 26 October 2026 **Files sales tax** · Partly — Zoho Books reports what you owe and tracks sales and use tax, but filing, nexus monitoring and registration come from the paid Avalara integration on the Zoho Marketplace. > If your business has more advanced or complex tax requirements—such as requiring deeper compliance workflows, tax filing, nexus monitoring, registration support, detailed product taxability, or jurisdiction-level tax rules below the state level—you can extend Zoho Books with the Avalara integration > — https://www.zoho.com/us/books/sales-tax-accounting-software/ · 'the Avalara Marketplace integration' section, checked 26 October 2026 ### What it keeps track of **Inventory** · Partly — Stock quantities, reorder points and price lists arrive on Professional at $50 a month, with warehouses, batch and serial tracking only on Elite; Standard has no inventory. > Track inventory > — https://www.zoho.com/us/books/pricing/ · Plan cards, PROFESSIONAL feature list, checked 26 October 2026 **Other currencies** · Partly — Multi-currency invoicing and transactions with automatic exchange rates need Professional at $50 a month; Free and Standard are single-currency. > Record multi-currency transactions > — https://www.zoho.com/us/books/pricing/ · Plan cards, PROFESSIONAL feature list, checked 26 October 2026 **Mileage** · Yes — Mileage tracking is on every plan including Free: trips are logged by distance or odometer reading, and the mobile apps track the distance with GPS and convert it to an expense. > Automatically track mileage distances with GPS and convert it to expenses. > — https://www.zoho.com/us/books/accounting-mobile-apps/ · Mobile app feature list, 'Track & Convert', checked 26 October 2026 **Billable time** · Partly — Timesheets can be billed onto invoices from Professional at $50 a month; the two cheaper plans do not carry timesheet billing. > Bill timesheets > — https://www.zoho.com/us/books/pricing/ · Plan cards, PROFESSIONAL feature list, checked 26 October 2026 **Profit by project or job** · Partly — Project profitability reporting starts on Professional at $50 a month, where projects, retainers and timesheets live; it is not in Free or Standard. > Project profitability > — https://www.zoho.com/us/books/pricing/ · Plan cards, PROFESSIONAL feature list, checked 26 October 2026 ### Your data and its security **SOC 2 report** · Yes — Zoho publishes a SOC 2 Type 2 report covering all of its cloud services, audited annually, with documented steps for customers to download it. > Zoho is SOC 2 Type 2 compliant. SOC 2 is an evaluation of the design and operating effectiveness of controls that meet the AICPA's Trust Services Principles criteria. > — https://www.zoho.com/compliance.html · Compliance page, SOC 2 Type 2 section, checked 26 October 2026 ### Who it is built for **For accounting firms** · Yes — There is a partner program for accountants and bookkeepers with free Zoho One access, a dedicated partner account manager and a public partner listing; firm-level client billing and white-labeling are not described. > Leverage the power of a modern accounting platform for you and your clients. Join our partner program today > — https://www.zoho.com/us/books/accountant/ · Hero, 'Connect & grow with Zoho Books', checked 26 October 2026 **Several businesses** · Yes — Several businesses can run as separate organizations under one login, and because the fee is quoted per organization each additional business carries its own subscription. > Yes, absolutely. You can have multiple businesses set up as different organizations associated with your Zoho Books account > — https://www.zoho.com/us/books/pricing/ · FAQ, 'Can I run more than one business?', checked 26 October 2026 **Canada** · Yes — Sold to US businesses with US sales tax and 1099 e-filing, and in separate country editions: Canada with GST/HST, the UK with MTD VAT filing to HMRC, and Australia with GST. > Sign up for MTD and file VAT returns directly to the HMRC. > — https://www.zoho.com/uk/books/ · UK edition homepage, 'File VAT' feature block, checked 26 October 2026 **Australia** · Yes — Sold to US businesses with US sales tax and 1099 e-filing, and in separate country editions: Canada with GST/HST, the UK with MTD VAT filing to HMRC, and Australia with GST. > Sign up for MTD and file VAT returns directly to the HMRC. > — https://www.zoho.com/uk/books/ · UK edition homepage, 'File VAT' feature block, checked 26 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Yes — A standing Free plan lets you keep real books while your yearly revenue stays under $50K, and the paid plans come with a 14-day trial, so you can try it on your own data first. > As long as your revenue for the financial year does not exceed the threshold of $50K, Zoho Books's Free Plan is available indefinitely. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'For how long is the free plan free?', checked 26 October 2026 **Sign up without a sales call** · Yes — You sign up with a company name, email and phone number and start immediately; the demo request and sales line are optional rather than a gate on buying. > It's simple to sign up for Zoho Books. Provide your company name, email address, and phone number on the Sign-up page, select a secure password, and you're ready to begin. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'How do I sign up?', checked 26 October 2026 **Contract and cancelling** · Yes — Month to month by default with no contract required, cancellable yourself at any time; paying yearly is optional and drops Standard from $20 to $15 a month. > As Zoho Books is a pay-as-you-go service, you are not obligated to sign a contract or commit to continuing your subscription. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'Am I bound to Zoho Books forever?', checked 26 October 2026 **Support** · Yes — Free gets email support only; every paid plan adds voice and chat, with the US line and mailbox staffed Monday to Friday, 9am to 9pm ET. > Yes, basic support is available for all plans. The free plan comes with email support. Send your queries to support.usa@zohobooks.com any time. We are available Monday to Friday, 9 am to 9 pm ET. > — https://www.zoho.com/us/books/pricing/ · FAQ, 'I use the free plan. Can I get product support?', checked 26 October 2026 ## Zoho Books alternatives - [FreeAgent](https://tickmarkbooks.com/freeagent) · From £10 a month (about $13): UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online) · Free plan, then $38 a month: Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors. - [Xero](https://tickmarkbooks.com/xero) · From $27 a month: Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan. - [Sage Accounting](https://tickmarkbooks.com/sage-accounting) · From £20 a month (about $27): Sage's cloud small-business ledger with built-in payroll and the Sage Copilot assistant; US edition retired. - [FreshBooks](https://tickmarkbooks.com/freshbooks) · From $23 a month: Double-entry small-business ledger built around invoicing, with a read-only Claude connector for questions. 6 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/zoho-books/alternatives/) ## Sources and changes Last changed 26 October 2026 **Sources on zoho.com** (13) - https://www.zoho.com/us/books/pricing/, read 26 October 2026 - https://www.zoho.com/us/books/pricing/pricing-comparison.html, read 26 October 2026 - https://www.zoho.com/us/books/accounting-software/ai-in-accounting/, read 26 October 2026 - https://www.zoho.com/us/books/accounting-software/bank-reconciliation/, read 26 October 2026 - https://www.zoho.com/us/books/sales-tax-accounting-software/, read 26 October 2026 - https://www.zoho.com/compliance.html, read 26 October 2026 - https://www.zoho.com/uk/books/, read 26 October 2026 - https://www.zoho.com/us/books/accountant/, read 26 October 2026 - https://www.zoho.com/us/books/accounting-mobile-apps/, read 26 October 2026 - https://www.zoho.com/us/books/accounting-software-features/1099-tracking-w9-forms/, read 26 October 2026 - https://www.zoho.com/us/books/accounting-software/accounting-financial-reports/, read 26 October 2026 - https://www.zoho.com/us/books/addons/, read 26 October 2026 - https://www.zoho.com/us/books/migration.html, read 26 October 2026 ## Is this yours? Claim Zoho Books: https://tickmarkbooks.com/claim/zoho-books Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: Zoho Books (zoho-books)".