Zoho Books Free Plan Limits in the US, and Where the Caps Apply

As of 9 October 2026, Zoho Books’ US-edition Free plan allows 1,000 invoices and 1,000 expenses a year, one user plus one accountant, no automatic bank feeds; feeds start on Standard at $15 a month billed annually. Zoho says Free lasts while financial-year revenue does not exceed $50K. Zoho’s UK Free plan lists one bank feed, so “no feeds” is an edition fact (Zoho pricing pages, 9 October 2026).

🗓️ Pricing verified 9 October 2026. Software pricing changes frequently — confirm on the vendor’s site before purchasing.

Zoho Books Free plan: price and who qualifies

As of 9 October 2026, Zoho’s US pricing page lists the Zoho Books Free plan at $0, with one user plus one accountant and email support.

Price and revenue condition

Zoho’s pricing FAQ says Free is available indefinitely while financial-year revenue does not exceed $50K (retrieved 9 October 2026). Treat that revenue condition as Zoho’s plan wording, not a tax rule.

Edition covered: US

This page covers Zoho’s US edition; Section 6 shows the UK difference.

Zoho Books invoice limit and the other Free plan caps

As of 9 October 2026, Zoho’s US Free plan allows 1,000 invoices and 1,000 expenses a year (plan comparison).

What counts toward 1,000 invoices

Drafts count, and so do recurring child invoices (Zoho’s invoice-cap FAQ, retrieved 9 October 2026).

The other caps in one table

¹ Zoho’s pricing and comparison pages disagree on Standard’s figure, so none is shown.

The invoice cap per month, worked out

1,000 ÷ 12 ≈ 83 invoices a month if spread evenly: the site’s calculation, assuming a twelve-month year, which Zoho does not define.

Does the Zoho Books free plan have bank feeds?

Not in the US edition, as of 9 October 2026: Zoho’s plan comparison marks third-party bank feeds as not on Free and included on Standard (price in Section 4; UK in Section 6).

What Free does instead of feeds

The same table marks statement import, bank reconciliation, transaction rules and auto-forwarded statements as included on Free (9 October 2026). Zoho’s feed FAQ names Plaid and Yodlee as US providers (retrieved 9 October 2026).

Statement import formats Zoho lists

Zoho’s file-format page lists CSV, XLS, TSV, OFX, QIF, CAMT.053 and CAMT.054 (retrieved 9 October 2026).

What the Zoho Books free plan leaves out versus Standard

As of 9 October 2026, Zoho’s US plan comparison marks several rows as not on Free.

Features Standard adds

• Not on Free, per Zoho’s table: recurring expenses, custom fields, custom reports, transaction locking, progress invoicing and Zoho branding removal (a paid-plan feature per Zoho’s branding FAQ, retrieved 9 October 2026).
• Vendor bills are on neither Free nor Standard: Zoho’s table starts bills at Professional (9 October 2026).

We did not record which paid plan each row starts on; see Zoho Books pricing by plan.

Users, support and add-ons

🗓️ Pricing verified 9 October 2026 on Zoho’s US pricing page.

Add-ons are not supported on Free except document autoscans (retrieved 9 October 2026).

Tax rows (not advice)

Zoho’s table lists sales and use tax tracking as not on Free (9 October 2026). A CPA, not a plan table, decides which plan meets any filing duty.

If you only invoice and import statements, Free covers what Zoho lists. For seats, see what a five-person team pays.

What happens at the invoice cap and the $50K ceiling

Zoho states one consequence for the invoice cap and none for the revenue condition (9 October 2026).

🧾 Not Tested: No one on the team has a Zoho Books account; this records what Zoho’s pages state (retrieved 9 October 2026).

What Zoho states about the invoice cap

Zoho’s invoice-cap FAQ says new invoices cannot be created once the yearly count is used up, and points to upgrading or contacting sales (retrieved 9 October 2026). Zoho’s usage FAQ puts Usage Stats at Settings → Manage Subscription; it does not say its Sales count equals the invoice-cap count.

What Zoho does not state about the revenue ceiling

• We found no Zoho text on what happens when revenue passes the condition (checked 9 October 2026).
• We found no Zoho text on whether “a year” is the financial year or a rolling twelve months (checked 9 October 2026).

If you downgrade or cancel

🛟 Back This Up First: Save your invoice, expense and report records outside Zoho before any plan change.

Zoho’s downgrade page lists the downgrade to Free under “Cancel Your Subscription” and says the organization turns read-only after you cancel (retrieved 9 October 2026). We found no Zoho text on whether a downgrade to Free leaves it editable (checked 9 October 2026). See what happens to your data if you cancel.

Near a cap? Email Zoho support the three gaps above and keep the dated reply.

Zoho Books free plan limits outside the US edition

As of 9 October 2026, Zoho’s UK edition lists one automatic bank feed on Free, so “no feeds” holds for the US edition only.

UK edition: one bank feed on Free

Zoho’s UK help FAQ says Free supports one account for feeds through Token.io (retrieved 9 October 2026).

Revenue conditions by edition

Zoho’s UK pricing page calls Free “applicable for all business types” and shows no revenue-threshold FAQ (retrieved 9 October 2026). It does not say there is no limit. For other editions, check your own pricing page.

Zoho Books free plan questions answered

Zoho Books free plan verdict (US edition)

If you only invoice and import statements, stay on Free. If you need automatic feeds or no Zoho branding, price a paid plan. If you are near 1,000 invoices or the revenue condition, ask Zoho in writing first.