Bokio vs Zoho Books Comparison
Compare Bokio vs Zoho Books features, pricing, and more.
Last updated: November 2026
Bokio
5.6/10
Swedish cloud accounting service for sole traders and small limited companies, covering bookkeeping, invoicing, payroll, VAT reporting and an integrated business account.
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 | 5.6/10 | 7/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 5/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 5/10 | 8/10 |
| Customization | 4/10 | 8/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | SEK 319/mo Basic | $20/mo Standard |
| Estimated cost for 10 users | SEK 319/mo Basic | $70/mo Premium |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Financial Reporting | ||
| General Ledger | ||
| Invoicing | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Bokio vs Zoho Books cost by team size
| Team size | Bokio | Zoho Books |
|---|---|---|
| 1 user | SEK 319/moBasic | FreeFree |
| 5 users | SEK 319/moBasic | $50/moProfessional |
| 10 users | SEK 319/moBasic | $70/moPremium |
| 25 users | SEK 319/moBasic | FreeFree |
| 50 users | SEK 319/moBasic | 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 Bokio
- Higher Ease of Use score (8/10 vs 7/10)
Why choose Zoho Books
- Has a free plan (Bokio does not)
- Higher Customization score (8/10 vs 4/10)
- Higher Scalability score (6/10 vs 3/10)
Pros & Cons
Bokio
Pros
- Bank connection suggests entries and matches incoming payments automatically, which cuts manual bookkeeping for small firms.
- VAT is calculated from the books and the VAT report is generated for Skatteverket, with a choice of monthly, quarterly, or yearly periods.
- Accounting consultants invited via Bokio Byrå count as free users.
- A forum user reports a smooth connection to årsredovisningonline for annual reports.
- Bookkeeping, invoicing, payroll, and a business account with a card come from a single vendor.
Cons
- The free plan was removed in September 2023 at short notice, which angered long-time users.
- Users and a Capterra reviewer call it expensive, at roughly 500 SEK per month with two employees.
- Many functions are paid extras, including extra users, Swish, e-invoices, advanced payroll, and the annual report.
- A forum user reports, secondhand and unverified, that payroll reporting cannot handle parental leave or VAB.
- It is focused on Sweden and suits only small businesses.
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 5.6/10 for Bokio. The largest gap is in Customization: 4/10 for Bokio and 8/10 for Zoho Books.
Zoho Books has a free plan; Bokio does not list one.
