Zoho Books
Accounting
Sage
Accounting
Zoho Books vs Sage in Singapore — which is right for your business?
Both are accounting tools used by Singapore businesses. Here is a side-by-side comparison covering SGD pricing, PSG eligibility, PDPA compliance, and local context to help you decide.
Singapore-specific comparison
| Criterion | Zoho Books | Sage |
|---|---|---|
| SGD pricing (incl. 9% GST) | S$0/mo | S$22.04/mo |
| Free tier | Yes | No |
| PSG grant eligible | Checking | Yes — up to 50% |
| PDPA compliant | No | No |
| SG / APAC data centre | Not confirmed | Not confirmed |
| GST / InvoiceNow ready | No | No |
| PayNow / local bank feeds | No | No |
| CPF payroll support | No | No |
| SkillsFuture eligible | No | Yes |
Stackd verdict
Zoho Books
The free plan offers a cost-effective entry for Singaporean micro-SMEs, but businesses must conduct due diligence to confirm its specific support for critical local requirements like GST filing and InvoiceNow readiness.
Sage
Sage is strongly positioned in Singapore for SMEs looking to leverage government grants like PSG and SFEC to automate processes and improve productivity, aligning with national digital transformation initiatives.
Pros & cons — Singapore view
Zoho Books
Pros
+Free plan for businesses with revenue up to S$50K
+Scalable with user add-ons (from $3/user/month)
+Assists with compliance headaches and late invoicing
+Indefinitely free for low revenue (under S$50K)
Cons
–Specific paid plan pricing not detailed in search results
–PSG eligibility unconfirmed
–Singapore-specific compliance (e.g., GST, InvoiceNow) not explicitly confirmed for Zoho Books itself
Sage
Pros
+PSG-eligible for Sage 300 ERP (up to 50% subsidy)
+Supports digital transformation for SMEs
+Enhances business processes and productivity
+Eligible for SkillsFuture Enterprise Credits (SFEC)
Cons
–Requires partner engagement for PSG application
–Implementation complexity for larger ERP systems
–Specific solutions like Sage 300 are mentioned, not all products
Who should choose which
Choose Zoho Books if...
›Small Businesses
›SMEs (under S$50K revenue)
›Startups
›Freelancers
Choose Sage if...
›SMEs (PSG eligible)
›Medium businesses
›Companies seeking digital transformation grants
›Not applicable for personal use
Singapore FAQ
Is Zoho Books available in Singapore?
Yes, Zoho Books is listed as one of the accounting software options available for Singapore SMEs.
Does Zoho Books support SGD pricing?
Zoho Books is mentioned as offering pricing information specific to Singapore, though its base plan is stated as free.
Is Zoho Books PSG-eligible?
The provided search results do not explicitly confirm if Zoho Books is a pre-approved PSG solution, thus its eligibility is unconfirmed.
Is Zoho Books PDPA compliant?
The provided search results do not contain information regarding Zoho Books' PDPA compliance, so it is unconfirmed.
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Read our full Singapore reviews before deciding.