Crunch vs Zoho Books Comparison
Compare Crunch vs Zoho Books features, pricing, and more.
Last updated: November 2026
Crunch
5.4/10
UK online accountancy service that pairs bookkeeping and invoicing software with ACCA-regulated accountants for sole traders, contractors and small limited companies.
Zoho Books
7/10
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.4/10 | 7/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 8/10 | 7/10 |
| Cost | 5/10 | 8/10 |
| Customization | 3/10 | 8/10 |
| Ease of Use | 7/10 | 7/10 |
| Integration | 3/10 | 7/10 |
| Scalability | 3/10 | 6/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | £27/mo Sole Trader Pro | $20/mo Standard |
| Estimated cost for 10 users | Free Crunch Free | $70/mo Premium |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Financial Reporting | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Payroll | Not listed | |
Crunch vs Zoho Books cost by team size
| Team size | Crunch | Zoho Books |
|---|---|---|
| 1 user | FreeCrunch Free | FreeFree |
| 5 users | FreeCrunch Free | $50/moProfessional |
| 10 users | FreeCrunch Free | $70/moPremium |
| 25 users | FreeCrunch Free | FreeFree |
| 50 users | FreeCrunch Free | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Crunch
- Higher Support score (7/10 vs 5/10)
- Higher Compliance score (8/10 vs 7/10)
Why choose Zoho Books
- Higher Customization score (8/10 vs 3/10)
- Higher Integration score (7/10 vs 3/10)
- Better fit for e-commerce (7/10 vs 5/10)
- Better fit for enterprise (3/10 vs 1/10)
Pros & Cons
Crunch
Pros
- Paid plans include a qualified UK accountant who prepares and files Self Assessment, Corporation Tax, VAT and year-end accounts.
- Fixed monthly pricing through a published quote tool, backed by a price match guarantee and a 14-day free trial.
- MTD for Income Tax software comes at no extra cost on sole trader plans.
- Dividend vouchers, board minutes and distributable reserves are automated for limited company directors.
- Support is available by phone, live chat, video and email, and Trustpilot reviewers often praise named advisers.
Cons
- Far fewer third-party integrations than Xero or QuickBooks, and no app marketplace.
- Payroll for staff, director Self Assessment and multi-currency all cost extra on top of the base fee.
- Recent reviews complain about inconsistent support and software glitches, such as bank file formats not being recognised.
- A poor fit for complex companies with group structures or share schemes.
Zoho Books
Pros
- The free plan includes online payments, bank reconciliation, recurring invoices and 1099 tracking for one user plus an accountant.
- Pricing is per organization, not per user, so small teams avoid per-seat costs.
- It connects natively with Zoho CRM, Zoho Payroll, Zoho Inventory and Zoho Analytics.
- Professional and higher plans include custom workflows, custom roles and approvals, and Premium adds custom modules and functions.
- On the Elite plan, inventory features cover warehouses, serial and batch tracking, and marketplace sync.
Cons
- Budgets, multi-currency and advanced inventory are only available on higher-priced tiers.
- Reviewers on Capterra and in NerdWallet's write-up describe slow or unhelpful customer support.
- It has fewer third-party integrations than its main competitors, according to NerdWallet.
- A PeerSpot reviewer found it awkward to invoice the same customer in different currencies.
- Even the top plan has a hard cap of 15 users, plus annual transaction limits.
Not sold on either?
Frequently Asked Questions
Zoho Books scores higher on our Finance Software criteria: 7/10 against 5.4/10 for Crunch. The largest gap is in Customization: 3/10 for Crunch and 8/10 for Zoho Books.
Yes, both Crunch and Zoho Books have a free plan.
Zoho Books is the better fit for e-commerce: we rate it 7/10 for them, against 5/10 for Crunch.
