Zoho Books

Zoho Books starts at £10/mo (Standard) for the Standard plan (billed annually), which includes 3 (Standard) and unlimited invoicing. The Professional plan is £20/mo (Professional, annual), and the top Ultimate plan is £165/mo (Ultimate, annual). A free plan is also available for businesses under an annual revenue threshold.

Yes. Zoho Books offers a free tier for businesses with annual revenue below a qualifying threshold and 1 user. The free plan covers core accounting, invoicing, and bank reconciliation. Once revenue exceeds the threshold, or you need more than 1 user, you move onto a paid plan.

User inclusions increase by plan: Standard includes 3 (Standard), with more users on Professional and above. This makes Zoho Books strong value for small teams compared with competitors that cap users at one on the entry tier.

Zoho Books does not include payroll in the base subscription (N/A). UK payroll runs through a separate product, so RTI submissions and pension auto-enrolment are handled outside Zoho Books itself.

Yes. Zoho Books is HMRC-recognised for Making Tax Digital and supports direct VAT return filing. It is a global platform, so some users find Xero or Sage offer a more UK-specific experience, particularly around CIS and payroll.

Zoho Books' paid plans are considerably more affordable than Xero's equivalent tiers, and its free plan has no parallel in Xero's offering. The trade-off is a smaller UK accountant and bookkeeper network, no built-in payroll, and less CIS-specific tooling. For cost-sensitive businesses comfortable managing payroll and compliance separately, Zoho Books offers strong value.

Yes. Zoho Books is part of the broader Zoho ecosystem and integrates natively with Zoho CRM, Zoho Inventory, and Zoho Expense, among others. For businesses already using Zoho products, this tight integration reduces duplicate data entry and makes the suite more attractive as a whole.