# Compare Xero vs Zoho Expense 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Zoho Expense and Xero based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/120109-142384/Xero-vs-Zoho-Expense --- # Zoho Expense vs Xero Features and Cost Comparison Last updated July 9th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: Zoho ExpenseXero2/4 selected [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.6 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) [## Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.6 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Starting Price $3.00/month Value-for-Money 4.6 Functionality 4.5 Ease of Use 4.6 Customer Service 4.5 Reviews Sentiment Based on [1,215 reviews](#user-reviews) Positive 1,176 Neutral 26 Negative 13 [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price $25.00/month Value-for-Money 4.2 Functionality 4.3 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [3,307 reviews](#user-reviews) Positive 2,906 Neutral 239 Negative 162 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. ## Summary * * * Key features rated by users Features selected based on 8,373 reviews from expense report software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 65%Fit Missing features Feature ratings Expense Tracking 4.7 Receipt Management 4.7 Expense Claims 4.6 Invoice Management NA Timesheet Management NA 72%Fit Missing features Feature ratings Expense Tracking 4.4 Receipt Management 4.6 Expense Claims 4.4 Invoice Management 4.5 Timesheet Management NA User satisfaction User satisfaction 4.6 User reviews[1,215](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Ease of use 4.6 Functionality 4.5 Value for money 4.6 Customer support 4.5 User satisfaction 4.4 User reviews[3,307](https://www.capterra.com/p/120109/Xero/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.2 Customer support 4.0 Price starts from Price starts from $3Per User, Per Month - Free version - Free trial Price starts from $25Flat Rate, Per Month - Free version - Free trial Best for Best for Zoho Expense is an expense and spend management solution for mid-market and large enterprises Best for Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more. ## User reviews Pros & cons VR Verified Reviewer Finance Comptroller > "For our operations, features like OCR receipt scanning, automated policy checks, and real-time mileage tracking are spot-on and "fit..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125431) Santiago G. Administrator > "The OCR receipt scanning can sometimes be a bit slow to process, and it occasionally misreads faded or crumpled receipts, requiring..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7176246) VR Verified Reviewer NA > "The automated receipt scanning (auto scan) feature is a massive timesaver; it accurately extracts data so users don't have to enter..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7152313) AM Albert M. Senior Operations Strategist > "One thing that's a more inconvenience than a con, is being able to select multiple reports to export to QuickBooks online at a time." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087893) VR Verified Reviewer Finance Comptroller > "The mobile app and web dashboard have clean, intuitive interfaces—no steep learning curve for our field reps submitting claims on..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125431) VR Verified Reviewer Finance Comptroller > "On the flip side, In a world of nation-state hackers and phishing pros, I worry about vulnerabilities in third-party integrations or..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125431) SB Sargam B. Founder's Office > "Auto-scan for receipts, multi-currency support, and seamless integration with Zoho Books are standout features." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125558) SN Sinethemba N. two IC > "The interface can be confusing at first, especially when working with advances, reimbursements, and company-paid expenses." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7162028) AO Adrian O. Finance > "Corporate card feeds and automatic matching of transactions to receipts further streamline reconciliation and give finance better..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125520) Lemuel W. owner > "I don't like how corporate cards can't be set for reimbursement. And deleting cards proved difficult." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7106926) CC Camille C. Operations and Finance Manager > "It seems to work well for day-to-day expense tracking and approvals, but it is less flexible for organizations with complex,..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087188) KS Kerri S. Creative Director > "I would like to be able to add in my own boxes for additional notes but cannot do this." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7078998) Sasha-Gaye E. Principal Designer > "It also supports delegation well, allowing a virtual assistant to handle expense logging without exposing sensitive financial data." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7149776) Dawn W. Controller > "Frankly, the training videos were difficult to understand, and I have yet to find a straight-forward, go-to user manual to share..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131695) Christian L. Police Officer > "What I liked most about the product is that I could link my business credit card and the software could track expenses in real time..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7058399) PS Pushpendra S. Travel Desk Executive > "Some of the features are not available for Indian version like currency change." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131948) Kayode A. Co Founder > "The easy, real-time sync with Zoho Books ensures our expense data flows instantly into our ledgers without any hassle." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7146253) Ovi R. MD > "the initial setup and policy configuration can feel a bit overwhelming because there are so many settings." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7156894) AO Adrian O. Finance > "Reporting and analytics provide a clear view of spending patterns, which helps with budgeting and internal controls" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125520) Viraj G. Professional Golfer > "With uploading/linking a specific card, it takes a long time and can be difficult to sift through credit card statements to find..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6517824) NW Nathan W. CEO > "The matching is not perfect yet, and some expenses still require cleanup or manual attention, but the automation is still a major..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) VD Vishal D. Sales Manager > "Customization takes time as I had to watch tutorials just to configure certain policies properly." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7047486) PS Pushpendra S. Travel Desk Executive > "This also aligns with our goal of having a budget friendly but secure travel and expense portal to streamline our internal process." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131948) VD Vishal D. Sales Manager > "At times support responds quickly, but during peak days it feels like the queries go into the queue and take longer than expected." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7047486) EG Emily G. Designer > "I can keep and organize all of my receipts related to my business and categorize them. Plus I enjoy that it allows you to have..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7065806) RG Racquel G. Chief Innovation Officer > "I think the delegate notifications are not intuitive, and therefore, it's not useful as a CEO for my assistant." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6855085) RG Rushikesh G. Senior Manager of Operations > "The payment processing and approval workflow are smooth and customizable, making expense tracking and approvals hassle-free." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7046902) SB Susanna B. Controller > "We are seeking a reasonably priced expense program to end the reign of the terrible spreadsheets that get emailed around for..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7038982) AR Anna R. Owner > "Auto scan makes organizing and inputting receipts a breeze, and I love that I'm able to have all 3 of my businesses under one..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7060899) AR Anna R. Owner > "Honestly, there's nothing I don't like. Although I wish a few more auto scans were allowed each month with my level of subscription." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7060899) NW Nathan W. CEO > "What I like most about Zoho Expense is the receipt submittal process and the automated matching." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) VR Verified Reviewer Shareholder > "They never bothered to follow up, didn't offer an alternative appointment ( oh, I had to sift through their calendars!) and once I..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6586838) Jeff P. President > "I liked the integration with Quickbooks Online the best, it makes our life way easier to have an expense tool that doesn't have bugs" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7101617) Sasha-Gaye E. Principal Designer > "Without that structure, things can become disorganized." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7149776) JC Jonathan C. Service Manager > "The portal to a company card and mileage tracking cuts expense report time down significantly for my service department." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7053770) CF Chris F. Consultant > "Was a bit tricky to connect to my other Zoho account because I accidentally created a new account in Expense." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6867589) NW Nathan W. CEO > "It makes it much easier for users to submit expenses quickly and helps reduce manual review time." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) LF Li F. Treasurer > "Also, as an admin, it was difficult to go through CSG Forte." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7139804) CtM Cátia M. ServiceNow Consultant > "The platform is also highly customizable, with features like approval workflows, budget tracking, and detailed reporting to suit..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6525416) NW Nathan W. CEO > "The main downside is that there is a bit of a learning curve at first." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) MV Miguel V. Engeenering > "Zoho Expense offers automated receipt capture, a user-friendly interface, and seamless integrations with accounting tools like..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6686791) DS Deepesh S. Developer > "Sometimes, mobile apps can occasionally lag or crash when uploading multiple receipts at once." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6783143) VR Verified Reviewer Owner > "I can track my expenses easily and as well as my income which will help assist me with my professional reports in the near future" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6872438) TB Tara B. Human Resources Executive > "At first we didn't realize that we needed to create report to submit an expense." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7022062) VR Verified Reviewer Owner > "Seamless Invoice Management: The integration with invoice management keeps everything organized, ensuring that expenses and invoices..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6541211) JG Jay G. Marketing Manager > "The "admin view" can be quite overwhelming." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131654) JM Juan M. Owner > "Also like that it interfaces with Zoho Books, which although I haven't tried, appears to be very useful to make record keeping..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7088041) MB Marvyn B. Owner > "The only thing I do not like is that you cannot bundle services or companies." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7071911) JoA João A. manager > "Also an excellent automation for receipt capture and expense categorization." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7174175) PRO Pranav Raj O. Owner > "User interface is a bit issue." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7171881) JG Jay G. Marketing Manager > "It's user friendly and the approval "alerts" help staff feel comfortable that their expenses are being reviewed and processed." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131654) VD Vishal D. Sales Manager > "The reporting is good and functional but not very visually rich from my point of view." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7047486) Louren R. Director of Operations > "Zoho Expense has streamlined my organizations receipt submission process." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7078431) VR Verified Reviewer Director > "I suppose if I had to come up with another criticism it's that I often had to Google how to do something as the built in help was a..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6837220) PRO Pranav Raj O. Owner > "I like that how easy tracking the expenses the app has made specially integrated with other application.s" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7171881) MH Mark H. President > "That I cant enter without first pulling up the respective report and that you HAVE to have data to enter." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6802255) MA Mubashir A. Senior Accountant > "What I liked most about Zoho Expense is its intuitive and user-friendly interface, which simplifies the process of managing and..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6753353) VR Verified Reviewer Owner > "The export to excel was not customizable and had too many columns" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6809173) VR Verified Reviewer NA > "It integrates nicely into our workflow, and despite a slight learning curve at the start, it offers excellent value for the money." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7152313) Viraj G. Professional Golfer > "At times, the portal takes a long time and can produce error or timing out." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6517824) CW Chris W. Tennessee Area Sales Manager > "I like being able to snap a pic of my receipt and load all the info needed as soon as I get a receipt." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6883408) BH Bobby H. CEO > "Sometimes, matching receipts to existing expenses can be cumbersome." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6542444) AL Antonella L. Accountant > "The product is a reliable expense management platform with comprehensive suite of tools that ensures automation different business..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6601070) BM Brandon M. Owner > "The minimum uploads per day is low." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7054046) MV Miguel V. Engeenering > "It also provides customizable approval workflows and a mobile app for easy expense tracking." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6686791) BL Brooks L. Owner > "I found the initial setup and customization process to be somewhat time-consuming." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6533674) CT Christian T. Assistant Accountant > "Simple interface, Lots of customizations, bug free, ease of use for both admin and submitter access." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087609) GG Geremie G. SVP > "Categorizing receipts on the app is not as easy as it could be." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6763495) EB Erick B. Director of design and research > "The software is well suited in expense management and spend control." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7169875) SH Sachin H. Director > "Customer support was not very prompt and infact I still have the query not addressed" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7035722) DS Deepesh S. Developer > "Zoho Expense makes expense tracking effortless with its amazing interface and smart receipt scanning." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6783143) BL Brooks L. Owner > "The learning curve can be steep at first, especially for those new to expense management software." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6533674) Jishnu M. Project Manager > "the security of the software was outstanding as it provides more authentication features." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7141632) JM James M. Owner > "Find it difficult to connect and download with Zoho books." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6402979) CC Camille C. Operations and Finance Manager > "Support tickets are handled quickly, and follow-ups are consistent until issues are resolved." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087188) VR Verified Reviewer Registered Clinical Counsellor > "I can't figure out how to categorize my expenses." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6513870) NW Nathan W. CEO > "Zoho Expense has been a very solid expense management tool for our business." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) SC Shaun C. Manager > "It does not inegrate with all expense cards - we use Tide which does not work with Zoho but this is not a big major problem at all." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___5014056) SB Sargam B. Founder's Office > "The approval workflow and policy enforcement save us a lot of time." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125558) VR Verified Reviewer Owner > "Customer support is not in country or local" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6656732) [View Reviews](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) RR Rebecca R. Production manager > "I also appreciate the cloud-based access, which allows me to manage accounting from anywhere, along with the seamless bank integrations that help save time and keep records..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7155119) DT Danielle T. AP, AR, Payroll > "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297) NC Nikki C. permit technician > "What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing finances..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) BN Bill N. Senior Financial Accountant > "Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) NC Nikki C. permit technician > "It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) HL Hikmet L. Medical Assistance Specialist > "Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7100283) VR Verified Reviewer Treasury Accountant > "The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) AB Andrew B. Owner > "There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154928) NK Navpreet K. Manager and CPA > "I really like its clean and easy-to-use interface, which makes invoicing, expense tracking, payroll, and bank reconciliation simple to manage." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154223) VR Verified Reviewer Treasury Accountant > "I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) JL John L. CEO > "Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) DE Daryl E. Consultant > "Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) Craig H. General Manager > "I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677) DE Daryl E. Consultant > "This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) AL Amber L. Discharge Planner > "Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7002100) Bryce M. Founder > "I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or justification..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7091869) JL John L. CEO > "It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I had..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MH Martin H. Payroll Manager > "Sometimes I need to wait for a while before my authentication code comes through, delaying my login." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7102201) AF Amanda F. Licensed Real Estate Broker > "I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) AF Amanda F. Licensed Real Estate Broker > "However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) BN Bill N. Senior Financial Accountant > "Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) LC Laura C. Administration Manager > "There have been some occasional reliability issues, with updates sometimes taking a day or two after the incident to be communicated by their support team." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160982) JP John P. Transport Broker > "The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) KP Kelly P. Manager > "Cannot connect to CAF Bank which makes being a charity very difficult when doing the banking element" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7147951) VR Verified Reviewer Treasury Accountant > "I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) RD Rudo D. Accountant > "They increase prices so often and they sometimes do not offer discounts when you have multiple companies" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7174279) JL John L. CEO > "At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding aspect..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MK Michal K. IT engineer > "The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7080651) DM Dasha M. Consultant > "We are a small nonprofit without a formal accountant and were able to set up our business and run reports in ways that are simple but useful." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7134499) CG Cecilia G. Administration > "Xero’s subscription tiers have increased in cost, which can become expensive for users." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7157251) JM Jesse M. Senior Accountant > "The bank reconciliation feature works well enough for our needs and saves a lot of time compared to our old system." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7125220) EC Eric C. Engineering Manager > "Missing two features that our previous system could support - detailed export to .csv, and also we started to run into issues past 100 employees." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6748194) VR Verified Reviewer Treasury Accountant > "Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) DE Daryl E. Consultant > "I dread having to make changes to quotes and invoices because bugs in the UI are so common." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) EB Emma B. Financial Controller > "It has many different functions and capabilities which speed up reconciling and customisable reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084871) RG Rishi G. Software Engineer > "I do dislike how often I get logged out of Xero once I close the tab." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) NS Natalie S. Senior immigration Advisor > "Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7060176) JP John P. Transport Broker > "Bank feed links are sometimes broken automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) RG Rishi G. Software Engineer > "The calendar helps me track who owes me money and I am just glad I can finally see the dates." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) CB Chris B. Owner > "Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than this." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) Samuel L. Mortgage Loan Officer > "It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Adrien J. CEO > "Bank integration does not work as advertised." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271) MW Matt W. Founder and Director > "If fully utilised Xero is a very powerful business tool that can encapsulate everything financial - from integrated stock systems and product costing, to sales tracking and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6494302) MM Melanie M. Treasurer > "The UI is a tiny bit clunky--most notably the "check writing/entering" functionality comes to mind. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6874464) EH Erin H. Google Ads Specialist > "I like how I can reconcile transactions in Xero from my bank feeds and set up recurring bills -- so I do not have to stress / waste time searching through everything and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974) CW Christine W. Accounts > "It is not easy to transfer data from one entity to another entity, even basic information has to enter these manually." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871687) Rodrigo T. Director of Cyber Security > "Xero is an excellent tool that has allowed me to manage my department's expenses in a transparent and orderly way in simulation projects, prevention exercises and detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RG Rishi G. Software Engineer > "Then I have to sit through another annoying OTP code to get back into my account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) TVW Tim Van W. Senior Project Supervisor > "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the bounds..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687) NH Nina H. Hr Manager > "It isn't easy to calculate holiday in the same way as HR software." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7111292) GN Grace N. Volunteer > "Xero automates over 78% of manual repetitive accounting tasks such as AP,AR and GL which saves time and improve productivity leading to high performance and ROI." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6580047) RT Rachel T. Accounts Administrator > "Lately there have been some software issues which slowed things down, but these happen rarely. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7152161) Rodrigo T. Director of Cyber Security > "It allows me to manage my department's accounting in real time, giving me a clear and up-to-date visualization of expenses." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) JB John B. Treasurer > "For example, Xero can not suggest an annual budget based on prior year spending." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6857537) DS Dilak S. Senior Experience Designer > "Xero simplify accounting processes by automating workflow such as paying vendors, billing, invoicing and payments matching." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6505945) FS Faizan S. Payroll Manager > "It can be somewhat stagnant at times in terms of the lack of colour and user interface." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881268) JP John P. Transport Broker > "All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) DE Daryl E. Consultant > "Advertising plastered on the UI making the book keeper's job harder than it could be." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) CB Chris B. Owner > "The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) LR Lisa R. Office manager > "The reason I originally did not use Xero was because our bank does not connect with Xero. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7028182) Samuel L. Mortgage Loan Officer > "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Richey J. General Manager > "Some aspects of payroll aren't equipped for specialist HR requirements." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881639) MG Mike G. Project Manager > "You have the ability to create a quote, add your own notes and narrative, save templates, and convert quotes into invoices, all going directly to the customer and requesting them..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041) Debbie M. Owner > "It does not offer good value for money compared with competitor products, and customer support is not available by telephone." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7072510) CS Chloe S. Bookkeeper > "Xero is good for bank account reconciliation when it syncs with your account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160977) AB Abhishek B. Executive- Sales and Procurement > "Sometimes there are delays with customer service support which slightly hampers the experience of smooth workflow in case of techncial issues." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6452605) Samuel L. Mortgage Loan Officer > "It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) TE Timothy E. Owner > "They say that they can convert your old Quickbooks file to xero but after starting the process they turn around and say they couldn't do it." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6433289) JL John L. CEO > "Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) RH Russ H. Director > "The reports seem a little bit more difficult to work out if you do not know the correct accountancy term but you can normally work it out without too much hassle." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6818770) PM Preeti M. AVP > "There are so many search options and shortcut methods like cash coding and uploading bulk journals and credit notes in CSV are available, which make the life of accountant very..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055) WJ Will J. Director > "Good initially, but I had a lot of issues with square integration and the cost got too high in the end." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871639) TS Tom S. Director > "Being able to manage payroll, invoices, banking feeds and tax from one platform is nice." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6856926) SF Stephanie F. Owner > "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6820368) LA Luis A. Process Manager > "It’s a well-thought-out platform that simplifies complex financial tasks and offers a lot of flexibility through its integrations and customization options." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6602914) CC Christine C. Finance > "For report updates I find with updates they become more complex and busy with no way to edit to strip out the unwanted additions. If you have multiple companies/organizations and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___4904840) Rodrigo T. Director of Cyber Security > "It helps me a lot in generating reports with balance sheets and cash flow to reliably assess profitability and make better decisions in the future." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RV Robert V. Bookkeeper and Owner > "Frequently, you have to tell them to actually read your message carefully so that they realize you have an unexpected problem and don't need a useless "support article". " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6661641) JC Jasmine C. Accountant > "The bank feeds, journals, AP and AR function are all very straightforward and the layout is nice to use." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7136437) VR Verified Reviewer Editor > "Xero does not offer a dedicated phone support line." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038704) [View Reviews](https://www.capterra.com/p/120109/Xero/reviews/) ## User interface 4.62 (1,215) 4.40 (3,307) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Access Controls/Permissions 207 Important Accounting Integration 150 Important Activity Dashboard 120 Important Zoho Expense Top features 32/42 - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - API - Approval Process Control - Audit Trail - Automated Receipt Matching - Billable & Non-Billable Hours - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Corporate Card - Credit Card Management - Customizable Fields - Customizable Templates - Data Import/Export - Duplicate Detection - Electronic Payments - Expense Claims - Expense Tracking - Financial Analysis - Generative AI - Invoice Management - Mileage Tracking - Mobile Access - Mobile Receipt Upload - Multi-Currency - Optical Character Recognition - Policy Management - Real-Time Notifications - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Secure Data Storage - Single Sign On - Spend Control - Third-Party Integrations - Timesheet Management - Workflow Management [See all features](https://www.capterra.com/p/142384/Zoho-Expense/#features) Xero 21/42 - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - API - Approval Process Control - Audit Trail - Automated Receipt Matching - Billable & Non-Billable Hours - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Corporate Card - Credit Card Management - Customizable Fields - Customizable Templates - Data Import/Export - Duplicate Detection - Electronic Payments - Expense Claims - Expense Tracking - Financial Analysis - Generative AI - Invoice Management - Mileage Tracking - Mobile Access - Mobile Receipt Upload - Multi-Currency - Optical Character Recognition - Policy Management - Real-Time Notifications - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Secure Data Storage - Single Sign On - Spend Control - Third-Party Integrations - Timesheet Management - Workflow Management [See all features](https://www.capterra.com/p/120109/Xero/#features) ### Recognition Zoho Expense is recognized as a top-rated tool in 5 Capterra Shortlist reports Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports ### Deployment & support Zoho Expense Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Xero Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Zoho Expense - By Zoho - Located in United States - Founded in 1996 Xero - By Xero - Located in New Zealand - Founded in 2006 ## Popular Comparisons [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) $3/month Price $5/month 4.5 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-142384/Expensify-vs-Zoho-Expense) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/120109-190778/Xero-vs-QuickBooks-Online) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $3/month Price $7/month 4.5 Features 4.2 4.6 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-142384/Concur-Expense-vs-Zoho-Expense) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-174984/Xero-vs-QuickBooks-Enterprise) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [webexpenses](https://www.capterra.com/p/140646/webexpenses/)[4.52 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/) $3/month Price Contact vendor for pricing 4.5 Features 4.4 4.6 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/140646-142384/webexpenses-vs-Zoho-Expense) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/120109-135757/Xero-vs-NetSuite) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $3/month Price $38/month 4.5 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/142384-190778/Zoho-Expense-vs-QuickBooks-Online) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [Lanes & Planes](https://www.capterra.com/p/183676/Lanes-Planes/)[4.64 (685)](https://www.capterra.com/p/183676/Lanes-Planes/reviews/) $3/month Price €95/month 4.5 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/142384-183676/Zoho-Expense-vs-Lanes-Planes) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,564)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $25/month Price $1922/year 4.3 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [Circula](https://www.capterra.com/p/185116/Circula/)[4.62 (566)](https://www.capterra.com/p/185116/Circula/reviews/) $3/month Price €10/month 4.5 Features 4.5 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/142384-185116/Zoho-Expense-vs-Circula) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,045)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) $25/month Price $235/month 4.3 Features 4.4 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online)