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7 Best Quickbooks Alternatives With Invoicing

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Zoho Books vs Xero vs ZarMoney - Top Accounting Showdown

Get ready to dive deep into the world of accounting software. If you've ever been curious about the giants in the accounting software game, this piece is just for you. Zoho Books vs Xero and ZarMoney are all here, battling for supremacy. This article will look into the top accounting software competitors, their features, pros, cons, and every detail you need to know about them.

Quick Overview of Zoho Books vs Xero vs ZarMoney

1 - ZarMoney 


ZarMoney has quickly risen to become one of the most promising players in the Zoho Books vs Xero vs ZarMoney software game. Its mission? To simplify and streamline the complex accounting world for businesses big and small.

Key Features 

Top 3 Features

1 - Invoice & BillingInvoice & BillingAt the core of every successful business lies a robust invoicing system. ZarMoney offers a dynamic invoicing and billing feature that seamlessly helps business owners manage their finances. With this feature, creating personalized invoices becomes a breeze. Whether you're looking for basic invoice templates or highly customizable invoices, ZarMoney has you covered.

2 - Inventory Management

Inventory Management

For businesses with tangible products, inventory tracking is crucial for financial management and operational efficiency. ZarMoney's inventory management system is designed for businesses of all sizes. This feature provides detailed insights into your inventory's movements, From day-to-day tracking of products to understanding the broader trends in your stock levels.

3 - Financial Reporting
Financial ReportingIn today's fast-paced business world, having real-time access to financial data can be a game-changer. ZarMoney's financial reporting tool ensures that business owners and their accounting teams are always equipped with the latest data. These real-time reports give users a comprehensive snapshot of their business finances, from cash flow statements to detailed transaction histories.


  • Intuitive interface
  • Comprehensive feature set
  • Affordable pricing tiers
  • Robust inventory management
  • Reliable customer support


  • Lacks advanced integration options
  • The steeper learning curve for beginners


ZarMoney offers a range of pricing options to suit different business needs. They start with a Free version, which comes with limited features. For those needing more, the entrepreneur plan is priced at $15, the small business plan is $20, and the enterprise version comes in at $350.

Supported Platforms

ZarMoney is available on the web.

Customer Support

ZarMoney boasts an impressive range of customer support options, including phone support, email, live chat, and a comprehensive knowledge base.

Reviews and Testimonials 

These are the reviews and ratings of the users of ZarMoney as accounting software; 

zarmoney review

zarmoney review 1

Final Verdict 

ZarMoney stands out as an incredibly comprehensive accounting software option. Its robust features and intuitive design cater to businesses of various scales. If you're looking for a cloud accounting platform that will grow with your business, ZarMoney might be your best bet.

2 - Zoho Books

Zoho Books

In the competitive arena of business accounting software, especially when debating Zoho Books vs Xero, Zoho Books stands tall. A product designed to offer many functionalities, it resonates with the needs of businesses, from sole traders to medium-sized establishments.

Key Features

  • Invoice
  • Expense tracking
  • Project management
  • Inventory management
  • Automatic bank feeds
  • Multi-currency support
  • Tax compliance
  • Reporting tools

Top 3 Features 

1 - Invoice Generation
Invoice Generation

When it comes to crafting invoices, Zoho Books believes in giving businesses both basic and advanced features. From offering unlimited invoices to allowing personalized and customizable invoices, they ensure your brand's essence is reflected. For international companies, multi-lingual invoicing and multi-currency features streamline transactions, a point often mentioned in Zoho Books vs Xero discussions.

2 - Automatic Bank Feeds
Automatic Bank Feeds

Stay updated in real-time with Zoho Books. You can receive continuous updates on all accounting activities by linking your bank accounts. The bank reconciliation aspect further aligns your bank statements with accounting records, ensuring minimal discrepancies.

3 - Reporting Tools
Reporting Tools

Financial transparency is critical for any business. Zoho Books amplifies financial reporting, from basic cash-flow statements to intricate financial analysis. Real-time reports provide a holistic view of financial health, ensuring business owners can make informed decisions.


  • Built-in Time Tracking for billing accuracy.
  • Customizable Invoices with multiple templates.
  • It offers Unlimited Invoices even on some of the lower-tier plans.
  • Project Accounting tools for more organized financial management.


  • It might have a steeper learning curve for beginners.
  • Some users have reported glitches with Bank Reconciliation.
  • Additional User access may come at extra cost depending on the plan.


Zoho Books offers pricing starting at $20 per month. You can begin with a 14-day free trial and choose a subscription plan that best suits your business requirements. The available plans for Zoho Books are:

  • Free: $0, suitable for businesses with an annual turnover of less than $50K.
  • Standard: $15 per organization, billed annually monthly.
  • Professional: $40 per organization, billed annually monthly.
  • Premium: $60 per organization, billed annually monthly.

Supported Platforms

Keep your accounting records at your fingertips with Zoho Books, available on the Web, Android, iPad, and iPhone.

Customer Support 

Zoho Books offers customer support through email, Faq’s, Chat, and phone and provides a knowledge base, webinars, and tutorials.

Reviews and Testimonials 

These are the reviews and ratings of the users of Zoho Books as accounting software. 

zohobooks review

zohobooks review 1

Final Verdict 

In the ongoing debate of Zoho Books vs Xero, Zoho Books undoubtedly brings a robust set of features to the table, catering to businesses of various sizes. Its strengths lie in its comprehensive invoicing capabilities, real-time bank feeds, and detailed financial reports. The diverse customer support options further ensure a smooth user experience. 

3 - Xero


In the evolving landscape of accounting software, when looking into the Zoho Books vs Xero debate, it's essential to dig deep into what each platform offers. Let's take a moment to explore Xero, a cloud-based solution that's been recognized as an award-winning online accounting platform.

Key Features

  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control

Top 3 Features 

1 - Online Invoicing

Xero's prowess in online invoicing is hard to overlook. With personalized invoices, a range of invoice templates, and the capability for invoice customization, the platform enables businesses to make a professional impression on their clients. 

2 - Bank Connections
Bank Connections

Real-time bank feeds make Xero's bank connections a standout feature. Whether you're trying to reconcile bank transactions, handle credit cards, or manage multiple bank accounts, the platform offers a streamlined approach. With bank reconciliation and bank statement analysis tools, business owners gain a comprehensive view of their financial health.

3 - Reporting

The ability to make informed decisions rests heavily on robust financial reporting. Xero delivers this in spades. From cash flow statements to real-time reports on business finances, users get a detailed track of their financial progress. Xero's financial analysis tools help businesses understand their cash management, aiding in accurate financial decision-making.


  • Seamless Bank Connections for easy transaction imports.
  • Online Invoicing facilitates quick billing and payment processes.
  • Robust Reporting tools for a detailed financial overview.
  • Xero Accounting offers an intuitive user interface.


  • Some advanced features are only available in the higher-tier plans.
  • Lack of a built-in time tracking tool.
  • The mobile app might have some of the features of the desktop version.


The pricing structure is designed to cater to a wide range of businesses, from sole traders to medium-sized businesses. Starting with the Basic Plan at $5.50/month, scaling businesses can opt for more advanced features in the Professional Plan at $31/month.

Supported Platforms

The software is available on the Web, iPad/iPhone, and Android, ensuring uninterrupted business accounting activities regardless of where you are.

Customer Support

Xero shines in the customer service department. Apart from 24/7 online support, primarily via email, they offer Xero Central – a treasure trove of resources. Webinars, community forums, and user reviews further ensure a smooth user interface and experience.

Reviews and Testimonials

These are the reviews and ratings of the users of Xero as accounting software; 

xero review 1

xero review

Final Verdict 

In comparing Zoho Books vs Xero, Xero undoubtedly offers a compelling suite of features. From advanced invoice processing to meticulous bank feeds and comprehensive financial reports, it caters to the diverse needs of business owners. The flexibility in pricing and platform availability further makes it an attractive choice for modern businesses. 

Detailed Table Comparison - Zarmoney vs Zoho Books vs Xero

Given each platform's many features, we've broken them into distinct categories for easier comparison. Let's delve into a detailed comparison of the key features these software platforms provide:




Zoho Books



Online Invoicing

Expense Tracking


Multi-currency Support

Bank Reconciliation

Financial Reports


Product Database

Inventory Tracking

Purchase Orders

Billing & Payments

Automatic Bank Feeds

Customizable Invoices

Online Payments

Recurring Payments

Support & Accessibility

Web Availability

Mobile Availability (via web)

Email Support


Zoho Books vs Xero vs ZarMoney - Who Wins?

While all three platforms offer myriad tools to streamline your accounting, ZarMoney subtly takes the lead with its comprehensive offerings tailored to different business needs. Its intuitive interface, coupled with its strong customer support, makes it a top choice for many. Give ZarMoney a spin and see the difference it brings to your accounting needs.


While each software has strengths and weaknesses, ZarMoney has subtly proven to be a formidable contender in the accounting software arena. We've broken down all you need to know to make an informed decision. So, which software will you choose for your accounting endeavors?

Frequently Asked Questions (FAQs)

1. What key features differentiate Zoho Books, Xero, and ZarMoney?

While each tool boasts a wide range of features, their key features differ. Zoho Books offers features like Time Tracking, Customizable Invoices, and a Client Portal. Xero is renowned for its Online Invoicing, Bank Connections, and Financial Reporting. ZarMoney stands out with its advanced Expense Tracking, Cash Flow Statements, and Single Ledger system.

2. Which software is the best fit for sole traders and self-employed individuals?

Zoho Books and Xero offer features tailored for sole traders, such as Multi-Currency Handling, Invoice Templates, and Self-Employed Features. It's recommended to check their 'Standard Plan' or 'Professional Plan' to get a detailed understanding.

3. How do these platforms handle invoice creation and customization?

All three platforms support Invoice Creation and Processing. Zoho Books offers a unique advantage with its Personalized Invoices, Invoice Customization, and range of Invoice Templates. Xero and ZarMoney also provide features like Customizable Invoices and Invoice History.

4. Do these platforms support multi-currency features for businesses with global clients?

Yes, both Zoho Books and Xero offer Multi-Currency features. They can manage multiple bank accounts, reconcile bank transactions, and provide real-time reports for businesses in different currencies.

5. How do these software solutions handle day-to-day and recurring expenses?

ZarMoney excels in tracking Day To Day Expenses and offers detailed cash management tools. Zoho Books provides features like Expense Tracking and Vendor Credits, while Xero ensures you can handle Recurring Expenses efficiently.

6. Which software offers the best tools for financial analysis and reporting?

While each platform provides tools for financial analysis, Xero stands out with its Real-Time Reports and Financial Reports. Zoho Books also offers a detailed track of finances, and ZarMoney's strength lies in its Cash Flow Statements and Business Snapshot.

7. Are there any trial periods available for these software solutions?

Zoho Books offers a 30-day Free Trial, while Xero provides a 14-day Free Trial. For ZarMoney's trial period details or offers, it's best to check their official website or contact customer service.

8. Can I track project profitability with these platforms?

Yes, Zoho Books and Xero both offer tools to Track Project Profitability. They provide insights into individual projects' financial progress and help make informed decisions.

9. How do these platforms provide customer support?

Zoho Books offers support through voice, chat, and email phone, while Xero has a comprehensive online support system that includes webinars. ZarMoney's customer service specifics can be found on their official website.

10. What are the pricing plans for these accounting solutions?

Pricing varies widely based on features and the scale of business operations. For instance, Zoho Books has a Basic Plan to Premium Plans. Xero's pricing ranges from the Early plan at $9/month to Established at $60/month. It's advisable to visit their websites to compare the features available in each plan.

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