Software · head to head
Bear Notes vs Zoho Books

Zoho Books
Software
Simple, smart accounting software for growing businesses
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Bear Notes apple only: Bear runs on Mac, iPhone and iPad with no Windows, Android or web app; Zoho Books payroll only available in Texas and California, limiting US usefulness
- They diverge on capability: Bear Notes covers Markdown-based notes, Zoho Books covers Invoicing.
Where they differ
Only the attributes on which Bear Notes and Zoho Books actually diverge.
| Attribute | Bear Notes | Zoho Books |
|---|---|---|
| Pricing model | freemium | Unknown |
| Platforms | MacOS, IOS, IPadOS | Web, iOS, Android |
| Founded | 2015 | 1996 |
Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Unknown).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Bear Notes
- Markdown-based notes
- Powerful tag system
- Rich text formatting
- Image support
- iCloud sync
- Dark and light themes
- Encryption support
- Backup and restore
Only in Zoho Books
- Invoicing
- Expense tracking
- Bank reconciliation
- Financial reports
- Tax compliance
- Zoho CRM
- PayPal
- Stripe
What people use each for
The jobs each tool is most often brought in to do.
Bear Notes
- Markdown note taking on Apple devicesnot Zoho Books
- Organising notes with nested hashtags rather than foldersnot Zoho Books
- Exporting notes to PDF, DOCX, HTML or ePubnot Zoho Books
Zoho Books
- Invoicingnot Bear Notes
- Expense managementnot Bear Notes
- Tax preparationnot Bear Notes
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Bear Notes
- Apple only: Bear runs on Mac, iPhone and iPad with no Windows, Android or web app
- Sync across devices requires Bear Pro and works through iCloud only
- The free version is limited to 3 export formats, 3 themes and 1 app icon
- OCR search inside images and PDFs is Pro only
- Note encryption is Pro only
- The Pro trial lasts 7 days
Zoho Books
- Payroll only available in Texas and California, limiting US usefulness
- Limited access to historical financial data compared to competitors
- Customer support is slow with long response times and frustrating workarounds
- Fewer integrations than QuickBooks Online and Xero
- User limit restrictions (1-15 depending on plan) compared to Xero's unlimited users
- Occasional inaccuracies in automatic exchange rate updates for international transactions
Pricing, plan by plan
Bear Notes
Free- FreeFree
- Note creation and organization
- Tags
- Local sync
- Premium$1.99/month
- iCloud sync
- Themes
- Markdown export
Zoho Books
Free- FreeFree
- 1 user + accountant
- Unlimited invoices
- Standard$20/month
- 3 users
- Core accounting
- Professional$60/month
- 5 users
- Advanced reporting
- Premium$120/month
- 10 users
- Inventory management
Which should you pick?
Choose Bear Notes if
- You need markdown-based notes.
- You want to start without paying.
- You work on MacOS, IOS, IPadOS.
- You also want powerful tag system.
Choose Zoho Books if
- You need invoicing.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want expense tracking.
Questions people ask
- Is Bear Notes or Zoho Books better?
- Neither clearly leads. Bear Notes starts at Free and Zoho Books at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Bear Notes or Zoho Books?
- Bear Notes starts at Free and Zoho Books at Free.
- Does Bear Notes or Zoho Books run on more platforms?
- Bear Notes runs on MacOS, IOS, IPadOS. Zoho Books runs on Web, iOS, Android.
- Can I use Bear Notes for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Bear Notes best used for?
- Bear Notes is most often used for markdown note taking on apple devices, organising notes with nested hashtags rather than folders, exporting notes to pdf, docx, html or epub. Of those, markdown note taking on apple devices and organising notes with nested hashtags rather than folders are not what Zoho Books is typically brought in for.
- What can Bear Notes do that Zoho Books cannot?
- Bear Notes covers Markdown-based notes, Powerful tag system, Rich text formatting, Image support. Zoho Books covers Invoicing, Expense tracking, Bank reconciliation, Financial reports.
Answered from the vendors’ own pages
Zoho Books: Does Zoho Books support payroll?
Zoho Books offers limited payroll integration available only in Texas and California currently. Outside these states, users must use separate payroll software.
SourceZoho Books: How many users can access one account?
User limits vary by plan: Free tier (1 user + accountant), Standard (3 users), Professional (5 users), Premium (10 users), Elite (15 users). Each business requires separate subscription.
SourceZoho Books: What integrations does Zoho Books support?
Zoho Books integrates with Shopify, WooCommerce, Razorpay, PayPal, Stripe, Salesforce, Google Sheets, and 500+ apps via Zapier. It integrates with other Zoho products like Zoho Inventory and Zoho Projects.
SourceRelated pages
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