T:0 vs Zoho Books
T:0
t0.ai
Zoho Books
zoho.comSide by side
| Figure | T:0 | Zoho Books |
|---|---|---|
| Price from | $199/mo | $15/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| Plans published | 4 | 6 |
| Spec score · AI Accounting Software | 6.9 (#29) | 8.3 (#12) |
| Integrations | The Integrator connects to more than 12,000 financial platforms, including payroll, cards, billing, payments, and banks. | Zoho Books connects with apps through its integrations offering and online sales channels on Elite. |
Plans
T:0
- Platform-Only Access$199 a month
- Managed Bookkeeping$599 a month
- Managed Bookkeeping + Tax$749 a month
- CFO ServicesPriced on request
Zoho Books
- FreeFree
- Standard$15 a month
- Professional$40 a month
- Premium$60 a month
- Elite$120 a month
- Ultimate$240 a month
In their own words
Zoho Books
Zoho Books is an accounting service for invoices, bills, banking, inventory, expenses, projects, reporting, and online payments. It includes bank feeds, automated reconciliation, receipt capture, and accountant access, with dedicated iOS and Android apps. Inventory tools cover stock tracking, reorder alerts, warehouses, serial numbers, batch tracking, and bin locations. It supports foreign transactions with exchange rates applied in real time, and changes sync across devices with automatic cloud backup. Transactions use two-factor authentication and SSL encryption; Zoho Books does not store credit card information. The free plan includes one user and one accountant, allows five scheduled reports, and remains available indefinitely while annual revenue is at or below $50K. Standard costs $15 a month with annual billing. A 14-day free trial is available. Subscriptions are pay-as-you-go without a contract commitment and can be cancelled. Support hours are Monday to Friday, 9 am to 9 pm ET, with channels varying by plan.