Pluto vs Zoho Books: Which Should You Choose in 2026?
Choosing between Pluto and Zoho Books comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 22, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Pluto
Modern corporate card and spend management platform with AI-powered automation.
Best for you if:
- • Provides corporate cards with cashback and comprehensive spend management.
- • Automates expense, procurement, and AP processes with AI.
Zoho Books
Comprehensive accounting as part of the Zoho ecosystem
Best for you if:
- • You want the higher-rated option (8.4/10 vs 0.0/10)
- • Zoho Books is cloud accounting software for small businesses
- • It provides invoicing, expenses, and bank reconciliation
| At a Glance |  Pluto |  Zoho Books |
|---|---|---|
Price | Free + Paid | Free + Paid |
Best For | Accounting | Accounting |
Rating | —/100 | 84/100 |
| Feature | Pluto | Zoho Books |
|---|---|---|
| Pricing Model | Freemium | Freemium |
| Editorial Score | — | 84 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | AccountingInvoicing | AccountingInvoicing |
How Pluto and Zoho Books Compare
Pluto
Modern corporate card and spend management platform with AI-powered automation.
Free tier available
Zoho Books
Comprehensive accounting as part of the Zoho ecosystem
Free tier available · 84/100 score
Who Should Use What?
On a budget?
Both are freemium. Compare plans on their websites.
Go with: Pluto
Want the highest-rated option?
Zoho Books scores 84/100. Pluto is unrated.
Go with: Zoho Books
Value user reviews?
Neither has user reviews yet.
Go with: Zoho Books
3 Questions to Help You Decide
What's your budget?
Both are freemium. Pricing won't help you decide here.
What's your use case?
Both are accounting tools. Compare their specific features to decide.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Zoho Books
- Higher score: 84/100 vs unrated
- Free tier available
- Our pick for this comparison
Pluto
The Bottom Line
Zoho Books (84/100) is our pick.
Frequently Asked Questions
Is Pluto or Zoho Books better?
Zoho Books scores 84/100 in our evaluation. Both are freemium.
What are Pluto and Zoho Books used for?
Pluto: Modern corporate card and spend management platform with AI-powered automation.. Zoho Books: Comprehensive accounting as part of the Zoho ecosystem.
What does Pluto cost vs Zoho Books?
Pluto is freemium (free tier + paid plans). Zoho Books is freemium (free tier + paid plans). Visit their websites for detailed pricing.