Software price guides Accounting Zoho Books
Last updated
Zoho Books pricing in the US
Zoho Books sells six US plans, from Free to Ultimate at US$275 a month, each priced per organisation before sales tax. Yearly billing cuts the price by 13% to 25%, and extra users, Zoho Payroll and card payments cost extra.
Country
- Starting price
- Free plan
- Paid from US$20/month (Standard)
- Pricing model
- Free plan plus flat plans per organisation
- Extra users and add-ons per month
- Billing
- Monthly or yearly
- Yearly saves 13% to 25%
- Tax
- Sales tax extra
- All prices in USD
- YOY change
- Not enough history
- Last updated
- 12 Oct 2026
How much does Zoho Books cost in the US?
Plans
Six plans per organisation, billed monthly or yearly, sales tax excluded.
| Plan | Monthly | Annual, per month | Who it is for | Key limits |
|---|---|---|---|---|
| Free | US$0 | Not offered | Get started with free accounting software for solopreneurs and micro businesses | Key limits
|
| Standard | US$20 | US$15 | Efficiently organize your transactions, accounts, reports, and books | Key limits
|
| Professional | US$50 | US$40 | Confidently take on projects, track your inventory, and handle purchases | Key limits
|
| Premium | US$70 | US$60 | Enhanced customization and automation to streamline business processes | Key limits
|
| Elite | US$150 | US$120 | Advanced accounting bundled with full-fledged inventory management | Key limits
|
| Ultimate | US$275 | US$240 | Gain deeper insights with advanced business intelligence capabilities | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| Extra users | US$3 a month; US$2.50 billed yearlyPer user a month, paid plans only | |
| Zoho Payroll Standard | US$39 a month + US$6 per employee; US$29 + US$5 billed yearlyPer organisation plus per employee | |
| Zoho Payroll Professional (multi-state) | US$59 a month + US$8.50 per employee; US$49 + US$7 billed yearlyPer organisation plus per employee | |
| Payroll extra services | US$3 per employee for next-day processing; US$3 per W-2 posted; US$10 per wire; US$150 per amended returnPer use | |
| Payroll exception charges | US$150 per delayed tax filing; US$100 per failed employer fund transfer; US$8 per failed employee paymentPer event | |
| Document autoscans | US$10 a month; US$8 billed yearlyPer 50 scans a month | |
| Locations | US$12 a month; US$10 billed yearlyPer location a month | |
| Expense claims | US$9 a month; US$7 billed yearlyPer active user a month | |
| BillPay | US$69 a month; US$59 billed yearlyMonthly add-on with 100 ACH vendor payments | |
| Card payments (Zoho Payments) | 2.9% + US$0.30 domestic; 1.5% more international; 1% currency conversionPer transaction | |
| ACH Direct Debit (Zoho Payments) | 0.8%, capped at US$5; US$1 per instant bank verification; US$5 per failed paymentPer transaction | |
| Disputes and instant payouts (Zoho Payments) | US$15 per dispute; 1.4% per instant payoutPer event | |
| Free plan revenue limit | Up to US$50,000 a year, then Standard at US$20Annual revenue | |
| Annual invoice limits | 1,000 Free; 5,000 Standard; 10,000 Professional; 25,000 Premium; 100,000 Elite and UltimateHard cap per plan | |
| Receipt autoscan limits | 50 Free; 200 Standard and Professional; 1,000 Premium and upMonthly cap per plan | |
| 1099 e-filing through Tax1099 | Not publicly listedPer form, paid to Tax1099 | |
| Each additional organisation | Full plan price per organisationSeparate subscription | |
| Sales tax on the subscription | Varies by state and localityAdded to the plan price | |
| Cancelling and refunds | Full refund in the first 30 days (monthly) or 45 days (yearly), or within 5 business days of a monthly renewal and 15 days of a yearly oneNo contract; cancel any time |
Zoho Books cost calculator
Enter your numbers to price every plan. Estimates in USD, excluding sales tax.
Your numbers
Plan
Estimated cost, Standard
US$20a month
- Per year, billed monthly
- US$240
- Per year, billed annually
- US$180Saves US$60
Line items, monthly
- Standard subscription
- US$20
- Estimated monthly total
- US$20
Estimated, USD, excluding sales tax.
What Zoho Books costs by company size
Estimated cost by number of employees, using the cheapest plan that fits each end of the band.
| Employees | Plans | Monthly cost | Annual cost | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 to 10 | Standard | US$65 to US$119 | US$65 | to | US$119 | US$780 to US$1,428 | US$780 | to | US$1,428 | |||
| 11 to 50 | Standard | US$125 to US$374 | US$125 | to | US$374 | US$1,500 to US$4,488 | US$1,500 | to | US$4,488 | |||
| 51 to 200 | Standard to Professional | US$380 to US$1,334 | US$380 | to | US$1,334 | US$4,560 to US$16,008 | US$4,560 | to | US$16,008 | |||
| 201 to 500 | Professional to Premium | US$1,340 to US$3,199 | US$1,340 | to | US$3,199 | US$16,080 to US$38,388 | US$16,080 | to | US$38,388 | |||
Zoho Books discount codes and offers
Current Zoho Books offers in the US, checked 12 October 2026.
-
Free trial
14 days of any paid plan, free
New sign-ups; Standard to Ultimate; switch to Free or a paid plan after
-
Yearly billing
Up to 25% off: Standard US$15 a month instead of US$20
Pay for a year upfront; 13% to 25% off depending on plan
-
Zoho Payments credits
1% back in Zoho Credits on card payments, up to US$2,500
New Zoho Payments sign-ups by 31 December 2026; earned for 6 months; credits cover up to 75% of a bill and last 2 years
-
Nonprofit discount
15% off the list price
Registered charities, trusts and societies
-
Zoho for Nonprofits credit
US$5,000 wallet credit that pays half of each Zoho bill
Via Zoho or TechSoup
Registered nonprofits after verification of up to 10 working days; credits last 5 years
-
Zoho Payroll trial
14 days of Zoho Payroll free
New sign-ups; no card needed
-
Through an accountant or bookkeeper
Partner pricing; size not published
Clients of a Zoho partner practice
How to negotiate Zoho Books's price
Zoho Books does not advertise negotiated deals, so these levers come from how it charges in the US, ranked by likely saving.
| Rank | Lever | How it works | What it can save |
|---|---|---|---|
| [01] | Pay yearly | Yearly billing drops Standard from US$20 to US$15, Professional from US$50 to US$40, Elite from US$150 to US$120 and Ultimate from US$275 to US$240 a month. Extra users fall from US$3 to US$2.50. | Up to US$35 a month |
| [02] | Stay on Free while you qualify | Free covers 1 user and 1,000 invoices a year while revenue stays under US$50,000. Standard is the next step at US$20 a month. | US$20 a month |
| [03] | Buy extra users before a bigger plan | Extra users are US$3 each a month. Five users on Standard cost US$26 a month, against US$50 for Professional, if you do not need its features. | Up to US$24 a month |
| [04] | Right-size between Premium and Elite | Elite adds warehouses and advanced inventory for US$80 a month more, with the same 10 users. Without them, Premium covers 25,000 invoices a year. | US$80 a month |
| [05] | Pick the payroll plan by state count | Payroll Standard is US$39 plus US$6 per employee for single-state payroll; Professional is US$59 plus US$8.50 for multi-state. Yearly drops Standard to US$29 plus US$5. | US$20 a month plus US$2.50 per employee |
| [06] | Steer customers to ACH | Cards cost 2.9% + US$0.30; ACH Direct Debit is 0.8%, capped at US$5. On a US$2,000 invoice: about US$58 by card, US$5 by ACH. | Up to 2.9% of every card-paid invoice |
| [07] | Claim Zoho Payments credits | New Zoho Payments accounts earn 1% back on card payments for 6 months, up to US$2,500, usable on up to 75% of a Zoho Books bill. | Up to US$2,500 in credits |
| [08] | Price Zoho One if you use other Zoho apps | Zoho One includes Books and Payroll Standard among its apps at US$37 per employee a month, billed yearly, if every employee is licensed. Alone, Books is cheaper. | Depends on the apps it replaces |
| [09] | Nonprofits: use the wallet credit | The US$5,000 nonprofit credit pays half of each bill until used, against the standard 15% nonprofit discount. | 50% of each bill until US$5,000 is used |
Zoho Books price history
Monthly list prices over the last two years, excluding sales tax. Pick a plan, or hover for each change.
Show
Key points
Zoho Books alternatives
Other tools in our price guides for the US, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| QuickBooks | Free plan; paid from US$20 a month (Lite) | Flat monthly plans capped by users, payroll per employee and payment fees extra | No paid extra users; adding staff can force a tier change | Price guides |
| Xero | US$27 a month (Early) | Flat monthly plans, plus add-ons and payment fees | No free plan or yearly billing; payroll through Gusto US$36 a month plus US$6 per person | Price guides |
| FreshBooks | US$23 a month (Lite) | Tiers capped by billable clients, plus US$11 per team member and add-ons | Team members US$11 each a month; payroll US$40 plus US$6 per person | Price guides |
| Sage | US$73 a month (Sage 50 Desktop Pro) | One-year subscriptions by user band, cloud and Desktop editions priced separately, plus payroll and add-ons | Sage 50 only; Sage Accounting closed in the US | Price guides |
| FreeAgent | US$27 a month (US Businesses) | One flat plan for every US business type, plus optional add-ons | One flat price for every US business type, unlimited users | Price guides |
Zoho Books pricing questions
US$0 to US$275 a month per organisation, billed monthly, before sales tax: Free US$0, Standard US$20, Professional US$50, Premium US$70, Elite US$150 and Ultimate US$275.
Yes, for 1 user plus 1 accountant and up to 1,000 invoices a year, while annual revenue stays under US$50,000.
13% to 25%. Standard is US$15 a month billed yearly instead of US$20, and Ultimate US$240 instead of US$275.
US$3 a user a month, or US$2.50 billed yearly, on any paid plan. Free cannot add users.
No. Zoho says prices are exclusive of local taxes.
No. Zoho Payroll is separate: Standard is US$39 a month plus US$6 per employee, and Professional US$59 plus US$8.50, less when billed yearly.
No. The monthly prices have been the same on archived copies of the pricing page since November 2024.
Yes. Registered charities get 15% off, and verified nonprofits can apply for a US$5,000 Zoho credit that pays half of each bill.
Zoho Books pricing sources and methodology
From Zoho Books's US pricing pages on 12 October 2026. Where sources disagree, Zoho's own page wins.
Estimates from list prices, excluding sales tax, before payment fees.
Archived copies of Zoho Books's pricing pages from October 2024 to October 2026, plus Zoho's announcements. Standard prices, no promotions.
Drawn from how Zoho Books charges, not from records of negotiated deals.
Ordered by Ensurva's estimate of each vendor's share of business customers in this country, from surveys, vendor customer counts, government software registers and review volume. Only tools with their own Ensurva price guide are listed.
Checked monthly. The date at the top is the last check.
- Zoho Books US pricing 12 Oct 2026
- Zoho Books US plan comparison 12 Oct 2026
- Zoho Books plans help 12 Oct 2026
- Zoho Payroll US pricing 12 Oct 2026
- Zoho Payments US pricing 12 Oct 2026
- Zoho Payments credits offer 12 Oct 2026
- Zoho Books for nonprofits 12 Oct 2026
- Zoho for Nonprofits 12 Oct 2026
- TechSoup: Zoho for Nonprofits 12 Oct 2026
- Zoho refund policy 12 Oct 2026
- Zoho One pricing 12 Oct 2026
- Zoho Books help: filing 1099s through Tax1099 12 Oct 2026
- Zoho Books for accountants 12 Oct 2026
- Zoho Books US pricing (archived 2024-11-23) 12 Oct 2026
- Zoho Books US pricing (archived 2025-01-14) 12 Oct 2026
- Zoho Books US pricing (archived 2025-04-16) 12 Oct 2026
- Zoho Books US pricing (archived 2025-07-15) 12 Oct 2026
- Zoho Books US pricing (archived 2025-10-14) 12 Oct 2026
- Zoho Books US pricing (archived 2026-01-16) 12 Oct 2026
- Zoho Books US pricing (archived 2026-03-30) 12 Oct 2026
- Zoho Books US pricing (archived 2026-07-12) 12 Oct 2026
- QuickBooks Online pricing 12 Oct 2026
- Xero US pricing plans 12 Oct 2026
- FreshBooks pricing 12 Oct 2026
- Wave pricing 12 Oct 2026
- Sage 50 US pricing 12 Oct 2026
- Patriot Software pricing 12 Oct 2026
- Small Business Majority accounting software survey 12 Oct 2026
- Capterra accounting software 12 Oct 2026
Estimates from published list prices on 12 October 2026. Check Zoho Books's own pricing page before buying. Ensurva is not affiliated with Zoho.