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Accounting · head to head

MYOB vs Zoho Expense

MYOB logo

MYOB

Accounting

Australian accounting and business management software for small and mid-sized businesses

From
12/year
Rated
-
Full reviewWebsite
Zoho Expense logo

Zoho Expense

Accounting

Expense reporting and travel management at three dollars per user per month

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zoho Expense has a free tier, so it costs nothing to try first.
  • Each has a real cost: MYOB every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months; Zoho Expense aI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which MYOB and Zoho Expense actually diverge.

Attributes where MYOB and Zoho Expense differ
AttributeMYOBZoho Expense
Starting price12/yearFree
Pricing modelsubscriptionPer user per month
Free tierNoYes
PlatformsWebWeb, iOS, Android

Identical on both: user rating (Not yet rated), category (Accounting).

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 MYOB

Nothing recorded that Zoho Expense does not also cover.

Only in Zoho Expense

  • Receipt OCR
  • Corporate card reconciliation
  • Per diem and mileage
  • Approval workflows
  • Travel requests and booking
  • Policy engine
  • Multi currency and multi entity
  • Accounting integration

What people use each for

The jobs each tool is most often brought in to do.

MYOB

  • Tracking income and unlimited expenses for tax lodgementnot Zoho Expense
  • Processing payroll with automated superannuation contributionsnot Zoho Expense
  • Managing GST compliance and Business Activity Statement filingnot Zoho Expense
  • Reconciling bank transactions and monitoring cash flownot Zoho Expense

Zoho Expense

  • A mid market company replacing spreadsheet expense claims without a five figure annual software budgetnot MYOB
  • An existing Zoho One customer extending the suite so expense data lands in Zoho Books without integration worknot MYOB
  • A business with staff travelling across several currencies that needs automatic exchange rate handling on claimsnot MYOB
  • A services firm rebilling project expenses to clients and needing them coded to projects at the point of claimnot MYOB

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

MYOB

  • Every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months
  • Adding payroll employees beyond the included allowance costs an extra AUD 3/month per additional employee on top of the plan price

Zoho Expense

  • AI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
  • Zoho Expense does not issue cards, so policy enforcement is retrospective and out of policy spend is caught after the money has left rather than declined at the terminal.
  • Additional users who create expenses are billed at the monthly rate rather than the annual rate, which makes a large population of occasional claimants more expensive than the headline three dollars implies.
  • Support quality is the recurring complaint across Zoho products, and at three dollars a seat there is no commercial room for the account management that mid market finance teams expect at renewal or during an audit.
  • Deep configuration such as complex approval matrices and custom fields is workable but fiddly, and there is no meaningful professional services organisation to hand implementation to.

Pricing, plan by plan

MYOB

12/year
  • Solo by MYOB$99/year
    • First year $12 (70% off)
  • Business Lite$315/year
    • First year $94.50 (70% off)
    • Payroll $3/month per employee max 2
  • Business Pro$70/month
    • First 6 months $21 (70% off)
    • Unlimited payroll employees
    • 14-day free trial
  • Business AccountRight Plus$165/month
    • First 3 months $66 (60% off)
    • Unlimited payroll
    • 14-day free trial

Zoho Expense

Free
  • FreeFree
    • Up to 3 users
    • Receipt capture with limited AI scans
    • Basic expense reports
  • Standard$3/month
    • Billed annually, minimum 3 users
    • Corporate card reconciliation
    • Approval workflows
  • Premium$5/month
    • Billed annually
    • Travel requests and self booking
    • Advanced approvals and policy rules

Which should you pick?

Choose MYOB if

Nothing in the data separates MYOB from Zoho Expense on the points above - pick on price and on how each one feels to use.

MYOB review

Choose Zoho Expense if

  • You need receipt ocr.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want corporate card reconciliation.
Zoho Expense review

Questions people ask

Is MYOB or Zoho Expense better?
Neither clearly leads. MYOB starts at 12/year and Zoho Expense at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, MYOB or Zoho Expense?
Zoho Expense has a free tier; the other does not. Paid plans start at 12/year for MYOB and Free for Zoho Expense.
Does MYOB or Zoho Expense run on more platforms?
MYOB runs on Web. Zoho Expense runs on Web, iOS, Android.
Can I use Zoho Expense for free?
Yes. Zoho Expense has a free tier, so you can try it without paying. MYOB starts at 12/year.
What is MYOB best used for?
MYOB is most often used for tracking income and unlimited expenses for tax lodgement, processing payroll with automated superannuation contributions, managing gst compliance and business activity statement filing, reconciling bank transactions and monitoring cash flow. Of those, tracking income and unlimited expenses for tax lodgement and processing payroll with automated superannuation contributions are not what Zoho Expense is typically brought in for.
What can MYOB do that Zoho Expense cannot?
Zoho Expense covers Receipt OCR, Corporate card reconciliation, Per diem and mileage, Approval workflows.

Answered from the vendors’ own pages

MYOB: How much does MYOB cost?

MYOB pricing starts at $12 AUD per year (first year only) for Solo, with plans ranging to $165 AUD per month for AccountRight Plus after introductory periods expire.

Source
Zoho Expense: Is the free plan usable in production?

Only for three users. Beyond that you move to Standard, which has a three user minimum anyway.

MYOB: What is MYOB's introductory pricing?

MYOB offers 60-70% off introductory pricing for the first 3-12 months depending on plan selection, after which regular pricing applies with no lock-in contracts.

Source
Zoho Expense: Does Zoho Expense issue corporate cards?

No. It reconciles card feeds but does not issue cards, so you need a card programme elsewhere if you want spend blocked before it happens.

MYOB: Does MYOB include payroll pricing?

Payroll starts at $3/month per employee (limited on lower tiers) and is included unlimited on Business Pro and AccountRight Plus plans.

Source
Zoho Expense: What is the real cost for a hundred users?

Around three thousand six hundred dollars a year on Standard annual billing, plus higher monthly rates for any additional occasional claimants beyond your licensed count.

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