I use Xero now, although Xero has limitations and does not integrate with Zoho well,  i like the period vs. period comparison reports. For example, i can easily see Month to Date for this months and the preceding months, up to 11 months side by side; same for annual.  YTD this year, vs. last year, vs. year before.   Does Zoho Books support this or is Zoho Analytics required?