Zoho Books Pricing Guide for US Plans (2026)

As of October 2026, Zoho Books has a Free plan and five paid plans, according to its pricing page. The paid plans cost $15 to $240 per organization per month billed annually, or $20 to $275 billed monthly.

Prices exclude local taxes.

To compare costs, see the QuickBooks pricing guide and the Xero pricing guide. For feature differences, see the QuickBooks vs Zoho Books comparison and the Xero vs Zoho Books comparison.

Zoho Books Pricing by Plan

Plans differ by included users (1 on Free, up to 15 on Ultimate), yearly invoice and bill caps, and features. Add-ons cost extra, and the list below gives each plan's monthly and annual price.

Annual billing provides a discounted effective monthly rate compared to monthly billing across every paid tier. Prices are per organization, and several organizations can sit under one Zoho Books account.

• Free: $0 per month. Includes 1 user plus 1 accountant, 1,000 invoices and 1,000 bills per year, 50 receipt autoscans per month, and 5 scheduled reports. Email customer support is included for organizations earning up to $50,000 in annual revenue.
• Standard: $15 per month billed annually, or $20 per month billed monthly. Includes 3 users, 5,000 invoices per year, 5,000 bills per year, 200 receipt autoscans per month, 50 scheduled reports, and voice, chat, and email support.
• Professional: $40 per month billed annually, or $50 per month billed monthly. Includes 5 users, 10,000 invoices per year, 10,000 bills per year, 200 receipt autoscans per month, 200 scheduled reports, and project profitability.
• Premium: $60 per month billed annually, or $70 per month billed monthly. Includes 10 users, 25,000 invoices per year, 25,000 bills per year, 1,000 receipt autoscans per month, 200 scheduled reports, and budgeting tools.
• Elite: $120 per month billed annually, or $150 per month billed monthly. Includes 10 users, 100,000 invoices per year, 100,000 bills per year, 1,000 receipt autoscans per month, 200 scheduled reports, and advanced inventory control.
• Ultimate: $240 per month billed annually, or $275 per month billed monthly. Includes 15 users, 100,000 invoices per year, 100,000 bills per year, 1,000 receipt autoscans per month, 200 scheduled reports, and advanced analytics for 3 million records.

Free Plan Features and Revenue Limits

The Zoho Books Free plan costs $0 per month indefinitely for businesses generating up to $50,000 in revenue per financial year. Free includes 1 user plus 1 accountant.

Organizations receive access to core bookkeeping features, including creating customer invoices, sales quotes, expense entries, manual journals, and sales receipts. The tier also supports mileage tracking, customer payment portal access, automated payment reminders, bank account reconciliation, recurring invoices, and supplier management. In addition, Free includes 50 receipt autoscans per month.

Tax and reporting tools on the Free tier include Form W-9 record management, tracking Form 1099 independent contractors, and preparing and filing Form 1099 returns. Users can generate Profit and Loss (P&L) statements, balance sheets, and more than 50 standard business reports. Customer assistance on this tier is limited to email support available Monday through Friday between 9 am and 9 pm Eastern Time (ET).

Zoho describes the Free plan as free only while revenue for the financial year does not exceed $50K. What happens after that is not published in the pricing page text, so confirm the terms on the Zoho Books pricing page.

Transaction Caps and Usage Thresholds

Zoho's pricing page lists a yearly invoice and bill cap for each plan. The Free plan caps activity at 1,000 invoices and 1,000 bills per year.

Standard raises capacity to 5,000 invoices and 5,000 bills annually. Professional accommodates 10,000 annual invoices and bills. Premium accommodates 25,000 annual invoices and bills, while Elite and Ultimate allow up to 100,000 annual invoices and bills.

Receipt autoscanning limits also scale across tiers. The Free plan includes 50 receipt autoscans per month, Standard and Professional include 200, and Premium, Elite, and Ultimate provide 1,000. Zoho also lists a separate document autoscan add-on at $8 per 50 scans per month billed annually, or $10 billed monthly. The pricing page text does not say whether it raises the receipt autoscan limit, so confirm that on the Zoho Books pricing page.

Scheduled reports are capped too. The Free tier restricts accounts to 5 scheduled reports. Standard allows 50 scheduled reports, whereas Professional, Premium, Elite, and Ultimate allow up to 200 scheduled reports.

Feature Progression Across Subscription Tiers

Each step up from Free adds features. Professional is the first plan with inventory tracking and multi-currency transactions.

The Standard tier adds progress invoicing, sales tax and use tax tracking, and e-filing for Form 1099-MISC and 1099-NEC. It also adds bank feeds, recurring expenses, transaction period locking, custom fields and reports, journal templates, and API access. Standard also upgrades customer support to include voice and chat assistance alongside email support.

Professional adds sales and purchase orders, multi-currency transactions, billing timesheets, project profitability, retainers, and inventory tracking. It also adds price lists, sales and purchase approvals, custom user roles, and collaboration tools (chat, voice, video, screen sharing).

The Premium tier adds basic revenue recognition, fixed asset management, profit margin, budgets, and cash flow forecasting. It also adds a vendor portal, custom domain, custom modules, custom buttons, custom field validation rules, embedded web pages, and custom functions.

Elite adds advanced revenue recognition, customizable dashboards, process blueprints, advanced inventory control, multiple warehouses, composite item bundling, serial number tracking, and batch tracking. Elite also adds shipping labels, shipment tracking, bin locations, and sales channel connections plus up to 2 Shopify stores. Ultimate adds advanced analytics, more than 50 pre-built visualizations, Key Performance Indicator (KPI) tracking, custom report embedding, and capacity for 3 million records.

Which Zoho Books Plan Fits

Free is enough for one user plus one accountant, with annual revenue of $50,000 or less and no more than 1,000 invoices and 1,000 bills a year. A second user who is not an accountant needs a paid plan.

Standard is the first plan with bank feeds, 1099 e-filing, and API access, and it includes 3 users and 5,000 invoices and bills a year. Professional is the first with purchase orders, inventory tracking, and multi-currency transactions. It includes 5 users. Premium adds budgets and cash flow forecasting at 10 users, and Elite raises the invoice and bill cap from 25,000 to 100,000 a year. Ultimate adds advanced analytics and 15 users.

Before subscribing, count your yearly invoices and bills and the users you need, then compare them with the caps above and on the Zoho Books pricing page.

Monthly Add-On Fees and Service Costs

Zoho Books sells optional monthly add-on modules on paid plans to add users, document scans, locations, expense claims, and vendor payments (BillPay).

The Free plan only supports document autoscan add-ons. Extra users cost $2.50 per user per month billed annually, or $3.00 monthly. Tracking locations cost $10 per location per month billed annually, or $12 monthly.

The expense claim add-on costs $7 per active user per month billed annually, or $9 monthly. The BillPay add-on costs $59 per month billed annually, or $69 monthly. BillPay includes 100 Automated Clearing House (ACH) vendor payments per month, advanced purchase approvals, vendor portal onboarding, two-way and three-way Purchase Order (PO) matching, and batch vendor payments.

The document autoscan add-on costs $8 per 50 scans per month billed annually, or $10 monthly. Buyers can review full add-on details directly on the Zoho Books pricing page prior to configuring optional services.

Team Size Calculations for Zoho Books Pricing

Using Zoho's published prices, the totals below add the base plan price and any extra users, at $2.50 per user per month billed annually or $3 billed monthly.

For a 3-person team, the Standard plan includes 3 users. It costs $15 per month billed annually ($180 per year) or $20 per month billed monthly ($240 per year). The Free plan cannot support 3 users because it caps access at 1 user and 1 accountant without permitting user add-ons.

For a 5-person team, organizations can choose between the Professional plan and the Standard plan with add-on seats. The Professional plan includes 5 users for $40 per month billed annually ($480 per year) or $50 per month billed monthly ($600 per year). Standard plus 2 extra users costs $20 a month billed annually ($15 base plus 2 x $2.50), or $240 a year. Billed monthly it is $26 ($20 plus 2 x $3), or $312 a year. While Standard with add-ons costs less, Professional includes purchase orders, inventory, and multi-currency tracking.

For a 10-person team, the Premium plan includes 10 users for $60 per month billed annually ($720 per year) or $70 per month billed monthly ($840 per year). By comparison, the Professional plan with 5 extra users costs $52.50 a month billed annually ($40 base plus 5 x $2.50), or $630 a year. Billed monthly it is $65 ($50 plus 5 x $3), or $780 a year. The Standard plan with 7 extra users costs $32.50 a month billed annually ($15 base plus 7 x $2.50), or $390 a year. Billed monthly it is $41 ($20 plus 7 x $3), or $492 a year. Standard with 7 extra users is the cheapest of the three, but it lacks the Professional and Premium features listed above.

Trial Periods and Account Management Policies

Zoho Books offers a 14-day free trial before subscribing, with no contract. Zoho Books is cloud-based with no installation. Mobile applications are available for iOS and Android devices. Security protections include two-factor authentication and Secure Sockets Layer (SSL) encryption, and Zoho Books does not store customer payment card details.

Subscriptions are pay-as-you-go, and subscriptions can be cancelled at any time under the published refund policy. Multiple businesses can be set up as separate organizations under one Zoho Books account, and prices are per organization.