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Zoho Books vs ZarMoney: Which Accounting Software Is Better?


Disclosure: We may earn commissions if you shop through the links below.

Last Updated: May 22, 2025

Both Zoho Books and ZarMoney are leading accounting software solutions, but which one is better for you and your business?

Below we compare Zoho Books and ZarMoney across nearly 50 different data points to help you make find the right one.

Zoho Books vs ZarMoney Reviews

Zoho BooksZarMoney
Trustpilot Rating4.43.9
Number of Trustpilot Reviews4,58813
iPhone App Rating4.8No Rating
Number of iPhone App Reviews2,100No Reviews
Android App Rating4.6No Rating
Number of Android App Reviews14,500No Reviews

Zoho Books vs ZarMoney Pricing

Zoho BooksZarMoney
Free TrialYesYes
Free Trial Length14 days14 days
Cheapest Plan NameStandardEntrepreneur
Cheapest Plan Cost Per Month$70$20
Mid Priced Plan NamePremiumSmall Business
Mid Priced Plan Cost Per Month$70$20
Top Plan NameUltimateEnterprise
Top Plan Cost Per Month$275$350

Zoho Books vs ZarMoney Features

FeaturesZoho BooksZarMoney
Target Business SizeMediumMedium
Tax HelpYesYes
Income & ExpensesYesYes
BookkeepingYesYes
Send InvoicesYesYes
Collect Payments Via Bank TransferYesYes
Collect Payments Via Credit CardYesYes
Recurring PaymentsYesYes
Enter BillsYesYes
Reconcile Bank TransactionsYesYes
Bank Account IncludedNoNo
Cash Flow ReportYesYes
W-9 + 1099 ManagementYesYes
Help With Sales TaxYesYes
Use Multiple CurrenciesYesYes
Expense TrackingYesYes
Payroll Software IntegrationYesYes
Tax DeductionsYesYes
Receipt CaptureYesNo
Mileage TrackingYesNo
Time ManagementYesYes
Inventory ManagementYesYes
User Access ControlsYesYes
Financial PlanningYesYes
Import/Export To & From ExcelYesYes
Free SupportYesYes
APIYesYes

List of Other Software Integrations

Zoho BooksZarMoney
  • Zendesk
  • Stripe
  • PayPal
  • Authorize.Net
  • Square
  • 2Checkout
  • Braintree
  • CSG Forte
  • Stripe
  • Zapier
  • Gusto
  • Mailchimp
  • Authorize.net
  • AutoEntry
  • WePay

Zoho Books Standard Features

  • Users
  • Schedule Reports
  • Manage Clients
  • Manage Items
  • Quotes
  • Manage Invoices
  • Customer Portal
  • Record Offline Payments
  • Online Payments
  • Generate Payment Links
  • Automate Payment Reminders
  • Multi-lingual Invoicing
  • Credit Notes
  • Recurring Invoices
  • Expenses
  • Track Mileage Expenses
  • Add Multiple Bank and Credit Card Accounts
  • Import Bank and Credit Card Statements
  • Bank Rules
  • Bank Reconciliation
  • Invite Accountant
  • Chart of Accounts
  • Sub-Accounts
  • Manual Journals
  • Reports
  • Invoice Customization
  • Email Template Customization
  • Manage 1099 Contractors
  • Recurring Expenses
  • Connect and fetch bank & credit card feeds via bank feeds provider
  • Predefined User Roles
  • Bulk Updates – Accounts
  • Transaction Locking
  • Custom Views
  • Custom Fields
  • Reporting Tags
  • Custom Reports
  • Journal Templates
  • Zoho Apps
  • Other Apps
  • Avalara
  • Zendesk
  • Stripe
  • PayPal
  • Authorize.Net
  • Square
  • 2Checkout
  • Braintree
  • CSG Forte
  • PayPal Payflow Pro
  • PayPal Payments Pro
  • Track Sales Tax
  • Email
  • Chat
  • Voice

ZarMoney Entrepreneur Features

  • 1 User Only
  • Unlimited Transactions
  • Same Features as Small Business
  • U.S. Based Customer-Service

Zoho Books Ultimate Features

  • Users
  • Schedule Reports
  • Manage Clients
  • Manage Items
  • Quotes
  • Manage Invoices
  • Customer Portal
  • Record Offline Payments
  • Online Payments
  • Generate Payment Links
  • Automate Payment Reminders
  • Multi-lingual Invoicing
  • Credit Notes
  • Recurring Invoices
  • Expenses
  • Track Mileage Expenses
  • Add Multiple Bank and Credit Card Accounts
  • Import Bank and Credit Card Statements
  • Bank Rules
  • Bank Reconciliation
  • Invite Accountant
  • Chart of Accounts
  • Sub-Accounts
  • Manual Journals
  • Reports
  • Invoice Customization
  • Email Template Customization
  • Manage 1099 Contractors
  • Cashflow Forecasting Report
  • Multi-currency Contacts
  • Multi-currency Transactions for Each Contact
  • Recurring Expenses
  • Connect and fetch bank & credit card feeds via bank feeds provider
  • Predefined User Roles
  • Bulk Updates – Accounts
  • Transaction Locking
  • Custom Views
  • Custom Fields
  • Reporting Tags
  • Custom Reports
  • Track Project Expenses and Invoice
  • Project Tasks
  • Timesheet and Billing
  • Sales Approval
  • Retainer Invoices
  • Bills
  • Payments Made
  • Vendor Credits
  • Recurring Bills
  • Sales Orders
  • Purchase Orders
  • Purchase Approval
  • Automatic Exchange Rate
  • Currency Adjustments
  • Stock Tracking
  • Price Lists
  • Landed Costs
  • Custom Roles
  • Timesheet Approval
  • Timesheet – Customer Approval
  • Contextual Chat
  • Retained Invoice for Projects
  • Project Profitability
  • Journal Templates
  • Tasks
  • Recurring Journals
  • Custom Domain
  • Vendor Portal
  • Multi-Transaction Number Series
  • Budgeting
  • Custom Buttons
  • Validation Rules
  • Related Lists
  • WebTabs
  • Workflow Rules (Up to 200)
  • Custom Schedulers
  • Custom Modules
  • Record Locking
  • Integrate Shopify Stores (Up to 2 stores)
  • Warehouse Management (Up to 5 warehouses)
  • Serial Number Tracking
  • Batch Tracking
  • Print Shipping Label
  • Shipment Tracking
  • View real-time reports and dashboards
  • Analyze and track key financial metrics
  • Customize reports and dashboards
  • Analyze Zoho Books data along with other data sources
  • Collaboratively create reports with colleagues
  • Export and print reports as excel or PDF
  • Embed reports in web sites/applications
  • Records/Rows (5 Million)
  • Zoho Apps
  • Other Apps
  • Zoho People
  • Zoho Projects
  • Avalara
  • Zendesk
  • Zoho Sign
  • Twilio
  • Stripe
  • PayPal
  • Authorize.Net
  • Square
  • 2Checkout
  • Braintree
  • CSG Forte
  • PayPal Payflow Pro
  • PayPal Payments Pro
  • Track Sales Tax
  • Email
  • Chat
  • Voice

ZarMoney Enterprise Features

  • 30+ Users
  • Custom Features
  • Specialized Training
  • Dedicated Account Rep
  • Priority Support

Zoho Books vs ZarMoney Pro & Cons

Zoho BooksZarMoney
Pros
  • Free plan
  • Feature-packed
  • Integrates with other Zoho products like Zoho CRM and Zoho People
  • Exceptional reporting capabilities
  • Advanced inventory management
  • Automation features for monotonous tasks
Cons
  • Maximum of 15 users for highest-tier plan
  • Transaction limit of 5,000
  • Limited third-party integrations
  • No mobile app
  • Not suitable for tax filing
  • Occasionally counter-intuitive

Other Accounting Software Comparisons

  • NetSuite vs Kashoo
  • Sage Accounting vs Vic.ai
  • Sage Accounting vs Akaunting
  • Patriot Software vs Striven
  • Zoho Books vs Wave Accounting
  • FreeAgent vs TrulySmall Accounting
  • FreshBooks vs TrulySmall Accounting
  • QuickBooks Online vs HoneyBook
  • Sage Accounting vs Botkeeper
  • LessAccounting vs ZarMoney

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