Zoho Books: Complete Beginner’s Guide

Zoho Books is a cloud-based accounting application that helps you record, audit, and analyze your financial transactions—securely and efficiently. This guide walks you through first-time setup and the everyday workflows you’ll use most: sales, purchases, inventory, banking, reports, automation, and more.

1) Getting Started

Create/Access Your Organization

  • New user: Sign up with company name, your name, email, phone, password, and country.

  • Existing Zoho user: Choose Access Zoho Books to enter directly.

You’ll land on Quick Setup:

  • Organization details (name, address, portal name for client access).

  • Start date (when you begin tracking accounts in Zoho Books).

  • Industry & accounting method (from dropdowns).

  • Enable modules you need (Sales Orders, Purchase Orders, Retainer Invoices, etc.).

  • Taxes (add tax names and rates).

  • Online payments (start with PayPal; add more later).

Tip: You get a 14-day free trial—use it to model your real process end-to-end.

2) Foundation: Chart of Accounts & Opening Balances

Chart of Accounts

  • Go to Accountant → Chart of Accounts.

  • Use + New Account for one-offs (name, code, type, description).

  • Or Import a full list (CSV/TSV) using the sample template.

Opening Balances

  • Settings → Opening Balances (or via the gear in COA).

  • Set the opening balance date, then enter debits/credits for each account.

  • If totals don’t match, Books posts an Opening Balance Adjustments entry.

3) Contacts: Customers & Vendors

  • Sales → Contacts (or the global +).

  • Choose Customer or Vendor; add currency per contact (e.g., AUD).

  • Import customers/vendors from CSV—or sync from Zoho CRM.

  • Configure custom fields under Settings if you need extra attributes.

4) Items, Services & Inventory

Items/Services

  • Items → + New Item: set name, income account, taxes, description.

  • For services, uncheck purchase info; for products, add purchase details.

Inventory Tracking

  • Settings → Items → Enable “Track Inventory.”

  • Each tracked item can have opening stock, rate, reorder point, and preferred vendor.

  • Adjust stock via Inventory Adjustment (with reason + description).

5) Purchasing Flow

  1. Purchase Order (PO)

    • Create PO → choose vendor → add items, quantities, taxes, delivery date.

    • Use templates and T&Cs; email the PO to the vendor.

  1. Convert PO → Bill

    • Enter vendor bill number; attach vendor invoice (PDF, up to 5 MB).

  1. Record Payment

    • Click Record Payment on the bill; set date, mode, paid-through account, reference.

Reports → Inventory Summary and FIFO Cost Lot Tracking show quantity in/out and costing source bills.

6) Sales Flow

  1. Estimate

    • Add customer, sales rep, items, discount (flat/%), taxes, shipping.

    • Optional: Retainer Invoice (advance %) auto-create on estimate send.

  1. Convert Estimate → Sales Order (optional) → Invoice

    • Save draft or Save & Send with your chosen template.

    • Allow partial payments if needed; payment gateways auto-attach.

  1. Record Payment

    • Log offline receipts (bank charges, TDS/withholding), deposit account, reference.

Retainers (Advance Payments)

  • Auto-create from estimate or create in Retainer Invoices.

  • Later, apply retainer to an invoice (invoice becomes partially paid).

  • Retainers show “Withdrawn” once fully applied.

Credit Notes & Refunds

  • From an invoice: More → Create Credit Note (auto-links to the invoice).

  • Refund credits or Apply to Invoice.

  • Vendor Credits work similarly for bills.

7) Expenses & Billable Charges

  • Expenses → New Expense: category, amount, tax (incl./excl.), vendor, notes, attachment.

  • Mark as Billable and select customer to recharge later.

  • Recurring Expenses: convert an expense to recurring (profile, frequency).

  • Mileage: enable rates (mile/km) in Settings → Expenses, then log mileage entries.

8) Client Portal (Customer Self-Service)

  • Enable per contact (checkbox Allow portal or Configure Client Portal).

  • Customers can:

    • View/accept estimates and comment.

    • View/pay invoices.

    • Download Statements of Accounts.

    • See projects/time sheets (if enabled in preferences).

  • Your team sees client comments on each transaction; reply and display in portal.

9) Projects & Timesheets (Billable Work)

  • Projects → New Project: choose billing method (fixed, project hours, task hours, staff hours), budgets, tasks, users.

  • Log Time (manual or with timer) per task/user and mark billable.

  • Create Invoice from project; include unbilled expenses and apply retainers.

10) Banking & Reconciliation

  • Banking → Add Bank/Credit Card (Zoho supports ~90 days of fetch for many banks).

  • Categorize unmatched transactions or Match to existing invoices/bills.

  • Import Statements for older transactions (CSV) and categorize.

  • Reconciliation: set the closing balance and tick through matched entries.

Tip: If feeds aren’t available, use manual accounts and statement import—still works great.

11) Accountant Tools & Reports

  • Reports → Business Overview: Profit & Loss, Balance Sheet, Cash Flow.

  • Export to PDF/XLS, customize date ranges.

  • Accountant: General Ledger, Journal Report, Trial Balance, Account Transactions.

  • Manual Journals: post adjusting entries.

  • Base Currency Adjustment: revalue foreign balances on a date.

  • Transaction Locking: freeze back-dated periods to prevent edits.

12) Deep-Dive Settings

Organization & Users

  • Organization Profile: logo, fiscal year, tax basis, date format, tax IDs.

  • Manage Organizations: create multiple orgs, set default.

  • Users & Roles: granular permissions per module/action (view/create/edit/delete). Invite users with assigned roles.

Preferences

  • Choose active modules, address formats, custom fields for contacts/items/transactions, price lists, portal options (show projects/time sheets).

Taxes & Currencies

  • Create taxes and tax groups (composite taxes).

  • Add currency exchange rates by date; import if needed.

Templates (PDF & Email)

  • Pick from professional invoice layouts.

  • Customize: fonts, colors, headers/footers, labels (rename “Item” to “Services”), background images, bank details, authorized signature.

  • Email templates per module; add placeholders and from-addresses.

Reminders & Automation

  • Payment Reminders before/after due date (to you, the customer, or both).

  • Workflows (event/date-based): send alerts, update fields, call webhooks, add time-based actions (e.g., follow-ups X days after creation).

Integrations

  • Payment gateways (e.g., PayPal initially), plus other Zoho apps like CRM, Subscriptions, etc., under Integrations.

13) Help & Support

  • Help → User Guide for step-by-step docs.

  • Contact Support from within the app (form with details & phone).

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