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Xero · Zoho Books

Xero wins on unlimited users and practice tools. Zoho wins on list price and a free tier. For a two-person Lagos company, Zoho is usually enough. For a ten-person finance team already in Xero HQ, switching to save $30 is a false economy.

CriterionXeroZoho BooksWinner
Users includedUnlimitedCapped by planvendor_a
Invoice caps on the cheap planEarly: 20 invoicesNo Early-style cap on Standardvendor_b
List price (paid start)$25 Early / $55 Growing$20 Standardvendor_b
Nigerian tax editionNoneNonetie