Go from Xero to Zoho Books
The job: Small business accounting (Invoices and quotes, Bank feeds, Bank reconciliation, Real-time financial reports). Pick where you are today and where you want to land; the move below follows your pick.
Every way to do this job · pick one
Switch app
Open source
Agent skill
The money
$55/mo today , then $20/mo
Xero Growing
Modeled from public list prices, with your time at $50 an hour. Show the math
Does it do the job? 4 of 4 covered
- Covered: Invoices and quotes
- Covered: Bank feeds
- Covered: Bank reconciliation
- Covered: Real-time financial reports
The work
- Setup
- About 1 h
- Upkeep
- None
- Watch out
- Check first: You only rely on: Invoices and quotes, Bank feeds, Bank reconciliation, Real-time financial reports
Make the move in four steps
Export from Xero
Download your data and files before you change anything.
Set up Zoho Books
Teams of up to 3 users (extra users $3 each) who want bank feeds and sales tax for $20 a month.
DetailsSwitch links and integrations
Point links, embeds and integrations at Zoho Books, then send a test through every one.
Cancel Xero
Turn off renewal before your renewal date, once the new setup works. Access runs until: The day termination takes effect, one month after notice.
How to cancel Xero
The whole recipe: 6 ways out, best first
What you use
- Invoices and quotes
- Bank feeds
- Bank reconciliation
- Real-time financial reports
Not covered
- Bills and bill payments
- Unlimited users, no per-user fees
- Sales tax
- Project time and cost tracking (Established)
Check before switching
- You only rely on: Invoices and quotes, Bank feeds, Bank reconciliation, Real-time financial reports
- Export your data from Xero before canceling
Agents: get_recipe("replace-xero") on the Stackcut MCP server.
6 ways out, best first
How we got this
| You pay now: Xero Growing | flat price | $55/mo |
|---|---|---|
| New cost: Zoho Books (free tier) | free plan | $0/mo |
| Difference each month | $55 − $0 | +$55/mo |
| Over 12 months | +$55 × 12 | +$660 |
| Setup, once | 1 h × $50/h | −$50 |
| Year one | +$660 − $50 | +$610 |
- Not counting your time (1 h in year one): saves $660 in year one.
Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team
How we got this
| You pay now: Xero Growing | flat price | $55/mo |
|---|---|---|
| New cost: Wave | Pro plan | $19/mo |
| Difference each month | $55 − $19 | +$36/mo |
| Over 12 months | +$36 × 12 | +$432 |
| Setup, once | 1 h × $50/h | −$50 |
| Year one | +$432 − $50 | +$382 |
- Not counting your time (1 h in year one): saves $432 in year one.
Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team
How we got this
| You pay now: Xero Growing | flat price | $55/mo |
|---|---|---|
| New cost: Zoho Books | Standard plan | $20/mo |
| Difference each month | $55 − $20 | +$35/mo |
| Over 12 months | +$35 × 12 | +$420 |
| Setup, once | 1 h × $50/h | −$50 |
| Year one | +$420 − $50 | +$370 |
- Not counting your time (1 h in year one): saves $420 in year one.
Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team
How we got this
| You pay now: Xero Growing | flat price | $55/mo |
|---|---|---|
| New cost: rustledger (Beancount-compatible plain-text accounting; MCP server and agent CLI) | runs in the agent you already pay for | $0/mo |
| Your upkeep time | 0.5 h/mo × $50/h | $25/mo |
| Difference each month | $55 − $0 − $25 | +$30/mo |
| Over 12 months | +$30 × 12 | +$360 |
| Setup, once | 2 h × $50/h | −$100 |
| Year one | +$360 − $100 | +$260 |
- Not counting your time (8 h in year one): saves $660 in year one.
Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team
How we got this
| You pay now: Xero Growing | flat price | $55/mo |
|---|---|---|
| New cost: Akaunting | Premium Cloud plan | $36/mo |
| Difference each month | $55 − $36 | +$19/mo |
| Over 12 months | +$19 × 12 | +$228 |
| Setup, once | 1 h × $50/h | −$50 |
| Year one | +$228 − $50 | +$178 |
- Not counting your time (1 h in year one): saves $228 in year one.
Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team
How we got this
| You pay now: Xero Growing | flat price | $55/mo |
|---|---|---|
| New cost: Bigcapital | a small server (modeled) | $5/mo |
| Your upkeep time | 2 h/mo × $50/h | $100/mo |
| Difference each month | $55 − $5 − $100 | −$50/mo |
| Over 12 months | −$50 × 12 | −$600 |
| Setup, once | 4 h × $50/h | −$200 |
| Year one | −$600 − $200 | −$800 |
- Not counting your time (28 h in year one): saves $600 in year one.
Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team
More Bookkeeping recipes
- Wave: Small business accounting $178
- QuickBooks Online: Small business accounting $166
- Zoho Books: Small business accounting
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