Direct answer: at annual public prices, ten users cost Zoho Analytics Basic USD 902.40/year, Metabase Starter 1,405/year or Power BI Pro 1,680/year; for larger models and advanced AI, Power BI Premium Per User 2,880 and Metabase Pro 6,210. Three users cost Zoho Basic 364.80, Power BI Pro 504 and Metabase Starter 1,080 (five users included); twenty-five users cost Zoho Basic 2,054.40, Metabase Starter 2,380 and Power BI Pro 4,200. But Zoho Basic has only 0.5M rows and 10K AI credits a month, so a row or AI overage forces Standard/Premium; Power BI Fabric capacity and Metabase AI/transform usage are billed separately.

This guide is for founders, data leads, IT and procurement teams buying a BI/reporting platform. Data cut-off: 5 November 2026; prices are US public list prices in USD, with tax treatment as stated on each site, and no FX conversion; the TCO is an editorial calculation, not a vendor quote. The billing structures differ: Power BI is per user, Metabase is platform fee + included users + overage users + usage, and Zoho is a plan with included users/rows/AI credits plus user add-ons. Comparing only the per-seat price misses the platform fee and usage.

Three rules to remember

Count the people who log in and the people who only view reports before counting seats; confirm the platform fee, included users and overage user price before comparing unit prices; finally add rows, AI credits/tokens, transforms, storage, viewers and Fabric capacity. A USD 24 Zoho base plan, a USD 14 Power BI seat and a USD 90 Metabase platform are not the same bill.

Three billing structures: per user, per platform, per plan

Power BI centres on users: Free can build reports but cannot share, Pro is USD 14/user/month paid yearly and Premium Per User USD 24/user/month paid yearly; large viewer populations can move to Fabric capacity (P1/F64+ allow unlicensed viewers), priced separately. Metabase centres on the platform: Starter is USD 90/month annual with five users included, Pro USD 517.50/month annual with ten included, and extra users cost USD 65/130 per user per year; AI can use your own key or USD 3.75 per 1M tokens, with transforms and storage metered. Zoho centres on plans: Basic USD 24/month annual includes two users/0.5M rows/10K AI credits, Standard 48 includes five users/1M rows, Premium 115 includes fifteen users/5M rows and Enterprise 455 includes fifty users/50M rows; extra users are USD 6.40/user/month and viewers USD 80 per 25 viewers.

PlatformBilling unitIncluded users/allowanceOverageBest fit
Power BIPer user; or Fabric capacityPro 1 user; PPU 1 user; capacity by SKUAdd Pro/PPU seats; capacity priced separatelyMicrosoft 365 ecosystem, enterprise reporting
MetabasePlatform fee + included users + usageStarter 5 users; Pro 10 usersUSD 65/130 per user/year; AI/transform/storage meteredOpen-source self-hosting, embedding, data control
Zoho AnalyticsPlan with users/rows/AI credits2/5/15/50 users; 0.5M–50M rowsUSD 6.40/user/month; row/viewer/AI add-onsBudget-first, Zoho ecosystem, lightweight BI

Sources: Microsoft Power BI Pricing, Metabase Pricing and Zoho Analytics Pricing (all accessed 5 November 2026). This is editorial grouping, not a vendor taxonomy; “best fit” covers only what the pricing pages verify and does not judge query performance, visual quality or AI accuracy.

The official 2026 price lists

Power BI: Free 0; Pro 14/user/month paid yearly (168/user/year); Premium Per User 24/user/month paid yearly (288/user/year); Embedded variable; Fabric capacity priced separately. Metabase: Starter 100 monthly or 90 annual (1,080/year, five users, overage 65/user/year); Pro 575 monthly or 517.50 annual (6,210/year, ten users, overage 130/user/year); Enterprise custom from 20,000/year. Zoho: Free two users/10K rows; Basic 24/month annual (two users/0.5M rows/10K AI credits); Standard 48 (five/1M/20K); Premium 115 (fifteen/5M/40K); Enterprise 455 (fifty/50M/100K); extra users 6.40/user/month and viewers 80 per 25.

Platform / planAnnual price (USD)Included usersRows / modelAI / usage
Power BI Free011 GB model; 8 refreshes/dayBuild reports; sharing requires paid
Power BI Pro14/user/month (168/year)11 GB model; 8 refreshes/day; 10 GB/licenseAdvanced AI/Copilot needs PPU or Fabric capacity
Power BI Premium Per User24/user/month (288/year)1100 GB model; 48 refreshes/day; 100 TBAdvanced AI, dataflows/datamarts, XMLA read/write
Power BI Embedded / FabricVariable / by SKUBy capacityBy SKUP1/F64+ allows unlicensed viewers
Metabase Starter90/month annual (1,080/year)5Unlimited questions/dashboards; 20+ sourcesBYO key or 3.75/1M tokens; 1,000 transform runs
Metabase Pro517.50/month annual (6,210/year)10Adds row/column permissions, SSO, caching, auditSame; embedding/whitelabel; AI usage audit
Metabase EnterpriseCustom, from 20,000/yearCustomAir-gap, 1-day SLA, dedicated success engineerCustom
Zoho Analytics Free0210K rows; 5 workspaces—
Zoho Analytics Basic24/month annual (288/year)20.5M rows10K AI credits/month; 10K external LLM one-time
Zoho Analytics Standard48/month annual (576/year)51M rows20K credits/month; 20K external LLM one-time
Zoho Analytics Premium115/month annual (1,380/year)155M rows40K credits/month; 40K external LLM one-time
Zoho Analytics Enterprise455/month annual (5,460/year)5050M rows100K credits/month; 100K external LLM one-time

Sources: Power BI Pricing (Free/Pro/PPU/Embedded; Pro 14 and PPU 24, both paid yearly; model/refresh/storage comparison), Metabase Pricing (monthly/annual toggle; Starter 100/90, Pro 575/517.50; five/ten users included; overage 65/130 per user/year; Enterprise from 20,000/year), Zoho Analytics Pricing (annual saves 20%; Basic 24, Standard 48, Premium 115, Enterprise 455; 2/5/15/50 users; 0.5M/1M/5M/50M rows; 10K/20K/40K/100K AI credits). USD; Zoho's tax wording is inconsistent (one place says local taxes included, another says VAT/GST additional), so checkout governs; the other two exclude tax.

1 / 3 / 10 / 25 users: annual TCO

One user: Power BI Pro 168, Zoho Basic 288 (two-user minimum), Metabase Starter 1,080 (five users included). Three users: Zoho Basic 364.80, Power BI Pro 504, Metabase Starter 1,080. Ten users: Zoho Basic 902.40, Metabase Starter 1,405, Power BI Pro 1,680, Power BI PPU 2,880, Metabase Pro 6,210. Twenty-five users: Zoho Basic 2,054.40, Metabase Starter 2,380, Power BI Pro 4,200, Power BI PPU 7,200, Metabase Pro 8,160. Zoho is cheapest, but Basic has only 0.5M rows/10K credits, so a row or AI overage forces an upgrade.

Option (annual)1 user/year3 users/year10 users/year25 users/year
Power BI Pro 141685041,6804,200
Power BI PPU 242888642,8807,200
Metabase Starter (5 users included)1,0801,0801,4052,380
Metabase Pro (10 users included)6,2106,2106,2108,160
Zoho Basic (2 users + add-ons)288 (2-user minimum)364.80902.402,054.40
Zoho Premium (15 users included)1,3801,3801,3802,148

Editorial calculation, not a quote. Power BI = 14/24 × users × 12; Metabase = annual fee + overage users × 65/130; Zoho = plan annual fee + overage users × 6.40 × 12. Zoho Basic has a two-user minimum, so one user is priced as two; the 25-user Zoho Basic figure adds 23 users and does not verify the plan's row/user cap, so the real choice should be Standard/Premium/Enterprise. Excludes tax, viewers, AI/transform/storage, Fabric capacity, implementation and training.

The point is not “Zoho is cheapest” but that the three cross over at different sizes: at one to three users Power BI Pro is cheaper than Metabase; at ten users Metabase Starter 1,405 is below Power BI Pro 1,680; at twenty-five Metabase Starter 2,380 is less than half of Power BI Pro 4,200. Zoho is lowest at every size, but Basic also has the lowest row/AI allowance; with 2M rows or 30K AI credits a month, Basic is not enough and the gap to Standard/Premium narrows.

Ten-seat breakdown: platform fee + add-on users + usage

At ten users, Power BI Pro is pure seats at 1,680; Metabase Starter is 1,080 platform fee + five overage users × 65 = 325, total 1,405; Metabase Pro includes ten users at 6,210. Zoho Basic is 288 platform fee + eight add-on users × 6.40 × 12 = 614.40, total 902.40; Zoho Standard is 576 + five × 6.40 × 12 = 384, total 960; Zoho Premium includes fifteen users at 1,380. The higher the platform fee share, the worse it is for small teams; the more users a Zoho plan includes, the closer Premium gets to Metabase Starter at ten.

Option (10 users)Platform/base feeIncluded usersAdd-on user costAnnual total
Power BI Pro0010×14×12=1,6801,680
Power BI PPU0010×24×12=2,8802,880
Metabase Starter1,08055×65=3251,405
Metabase Pro6,2101006,210
Zoho Basic28828×6.40×12=614.40902.40
Zoho Standard57655×6.40×12=384960
Zoho Premium1,3801501,380

Editorial calculation, not a quote. Metabase annual Starter 1,080 includes five users and Pro 6,210 includes ten, with overage at 65/130 per user/year; Zoho annual Basic 288, Standard 576 and Premium 1,380 include 2/5/15 users, with add-ons at 6.40/user/month × 12; Power BI 14/24 × 10 × 12. Excludes tax, viewers, AI/transform/storage, Fabric capacity, implementation and training.

AI and usage: model size, refreshes, credits, tokens

Power BI ties AI/model capability to the tier: Pro has a 1 GB model, 8 refreshes/day and 10 GB per licence; PPU has a 100 GB model, 48 refreshes/day, 100 TB storage and advanced AI/dataflows/datamarts/XMLA read-write; Copilot/Fabric capacity is separate. Metabase AI can use your own key or the official service at USD 3.75 per 1M tokens (1M included); transforms include 1,000 runs, then USD 0.01 per run and USD 0.02 for advanced; storage is free for 1M rows, then USD 2 per 1M rows. Zoho Ask Zia uses AI credits: Basic 10K, Standard 20K, Premium 40K, Enterprise 100K per month; external models are a one-time 10K/20K/40K/100K pool, after which you bring a key or buy credits.

PlatformAI meterAllowance/priceModel/refreshOverage
Power BI ProTier capabilityIncluded at 14/user/month1 GB model; 8/dayUpgrade to PPU/Fabric
Power BI PPUTier capabilityIncluded at 24/user/month100 GB model; 48/dayFabric capacity separately
Metabase Starter/ProTokens3.75/1M tokens; 1M includedUnlimited questions/dashboardsPer token or bring your own key
Metabase transformsRuns1,000 runs included—0.01/run; advanced 0.02/run
Metabase storageRows1M rows free—USD 2/1M rows
Zoho BasicAI credits10K/month + 10K external one-time0.5M rowsBuy credits/BYO key
Zoho StandardAI credits20K/month + 20K external one-time1M rowsBuy credits/BYO key
Zoho PremiumAI credits40K/month + 40K external one-time5M rowsBuy credits/BYO key
Zoho EnterpriseAI credits100K/month + 100K external one-time50M rowsCustom

Sources: Power BI Pricing (Pro/PPU model size, refreshes, storage, advanced AI), Metabase Pricing (AI 3.75/1M tokens with 1M included; transforms 1,000 included, 0.01/0.02; storage USD 2/1M rows), Zoho Analytics Pricing (10K/20K/40K/100K AI credits; external LLM one-time pools). Accessed 5 November 2026; the units differ (tier capability, tokens, runs, credits) and are not 1:1 convertible.

The easiest allowance trap is Zoho: 10K AI credits a month sounds generous, but every Ask Zia question or agent action consumes credits; the external-model allowance is one-time, not monthly. Metabase's USD 3.75/1M tokens is the official service price; if you bring an OpenAI/Anthropic key, the cost moves to your API bill. Power BI does not meter tokens; it unlocks model size and advanced AI by tier, so if you only need basic reports, Pro is enough and PPU is not automatically justified.

Hidden costs: viewers, capacity, SSO, add-ons

Power BI's main hidden cost is Fabric capacity: Pro is 14 per user, and with many viewers capacity may be cheaper, but F SKUs are priced separately and publishing to capacity still requires Pro; only P1/F64+ allow unlicensed viewers. Metabase puts SSO/row-level permissions in Pro and air-gap/1-day SLA in Enterprise; overage users cost 65/130 per year, and AI/transform/storage are metered. Zoho viewers start at USD 80 per 25 (a 25-viewer minimum), add-on users are 6.40/user/month, rows can be added, and dedicated compute/Enterprise is custom; the trial is 15 days. None includes implementation, training or migration.

PlatformHidden cost/limitPublic priceWhen it applies
Power BIFabric capacityBy F SKU, separatelyMany viewers, unlicensed consumption
Power BIPPU upgrade24/user/month100 GB model/advanced AI
Power BIPublishing to capacity still needs Pro14/user/monthAll P/F SKUs
MetabaseOverage users65/130 per user/yearAbove 5/10 included users
MetabaseSSO/row-level permissionsFrom ProEnterprise login/fine-grained permissions
MetabaseAir-gap/1-day SLAEnterprise (from 20,000/year)Offline/critical operations
ZohoViewers80 per 25 viewersMany read-only users
ZohoAdd-on users6.40/user/monthAbove included users
ZohoRows/dedicated computeBy page/customAbove 0.5M–50M rows or isolation

Sources: Power BI Pricing (Fabric capacity, P1/F64+ unlicensed viewers, Pro publishing requirement, PPU 24), Metabase Pricing (overage 65/130, Pro/Enterprise features, from 20,000/year), Zoho Analytics Pricing (viewers 80 per 25, add-on 6.40, rows/dedicated compute). Accessed 5 November 2026; USD; excludes tax, implementation, training and migration; capacity/enterprise prices follow the contract.

Capability matrix: deployment, permissions, AI, embedding

Power BI is strong in the Microsoft 365/Entra ecosystem, enterprise reporting and Fabric capacity; Pro suits individuals and small teams, PPU gives data professionals larger models and advanced AI, and capacity suits large viewer populations. Metabase is strong in open-source self-hosting, fast setup, embedding/whitelabel and transparent “platform + users” pricing; Pro adds row/column permissions, SSO, caching and audit, and Enterprise adds air-gap/1-day SLA. Zoho is strong on budget, the Zoho ecosystem and plans with included users/rows/AI credits plus viewer add-ons; it fits lightweight BI, departmental reporting and organisations without a heavy data-engineering function.

CapabilityPower BIMetabaseZoho Analytics
DeploymentCloud/Embedded/capacityCloud/self-hostedCloud/on-premise
Pricing corePer user or capacityPlatform + users + usagePlan with users/rows/AI
Self-service reportingStrongStrong (click/SQL)Strong (80+ visuals)
Permissions/SSOMicrosoft ecosystem; tier to confirmSSO/row-level from ProTier to confirm
AICopilot/Fabric; advanced AI from PPUBYO key or 3.75/1M tokensAsk Zia credits
Embedding/whitelabelPower BI EmbeddedFrom ProAdd-on/custom
Self-host/air-gapNot a focusEnterpriseOn-premise/dedicated compute
TrialFree/trial14 days15 days

Sources: official Power BI, Metabase and Zoho Analytics pricing pages (accessed 5 November 2026). This is an editorial comparison, not a full feature list; “strong” means the category is a vendor focus, not that every sub-feature is in the lowest tier; query performance, visual quality, AI accuracy and permission details were not tested.

Which option fits which scenario?

One to three people, budget first: Zoho Basic 364.80/year (three users) or Power BI Pro 504; open-source self-hosting: Metabase Starter 1,080 (five users included). Ten people, lightweight departmental reporting: Zoho Basic 902.40; SQL/embedding: Metabase Starter 1,405; Microsoft 365 E5 already includes Pro: use Power BI Pro. Twenty-five people: Zoho Basic 2,054.40, Metabase Starter 2,380, Power BI Pro 4,200; with many viewers compare Power BI Fabric capacity and Zoho's 80/25 viewers. AI-heavy: Metabase with your own key or Zoho Premium 40K credits; enterprise governance: Metabase Pro/Enterprise, Power BI PPU/capacity, Zoho Enterprise.

  • One to three people: Zoho Basic 364.80/year (three users) is cheapest; Power BI Pro 504; Metabase Starter 1,080 includes five users, useful if you will grow to five.
  • Ten people, lightweight BI: Zoho Basic 902.40/year; for SQL/embedding/self-hosting, Metabase Starter 1,405; if Microsoft 365 E5 already includes Pro, use Power BI.
  • Twenty-five people: Zoho Basic 2,054.40, Metabase Starter 2,380, Power BI Pro 4,200; Zoho's 0.5M rows may be too low, so 2M rows means Standard/Premium.
  • Many viewers: Power BI Fabric capacity (P1/F64+ avoids Pro licences) or Zoho viewers at 80 per 25; count the viewer/author ratio first.
  • AI-heavy: Metabase with an OpenAI/Anthropic key or 3.75/1M tokens; Zoho Premium 40K credits/month; Power BI PPU/capacity.
  • Enterprise governance: Metabase Pro/Enterprise (SSO/row-level/air-gap), Power BI PPU/capacity, Zoho Enterprise; confirm SSO, audit and data residency separately.

What should procurement and acceptance specify?

At least eight things: authors and viewers, rows and data volume, refresh frequency, AI usage, platform fee/included users/overage user price, SSO/permissions, deployment (cloud/self-hosted/air-gap), and a two-week real-data POC. The POC should use the same data and record modelling time, refresh failures, query latency, permissions, AI answer quality and the monthly bill, not just the demo.

  • People: count authors (build reports) and viewers (read only) separately; Power BI is per user, Zoho viewers start at 80 per 25, Metabase bills per logged-in user.
  • Data: rows/model size/refresh frequency; Power BI Pro 1 GB/8 per day, PPU 100 GB/48; Zoho 0.5M–50M rows; Metabase unlimited questions but storage/transform metered.
  • AI: confirm the meter (tier capability/tokens/runs/credits), whether external models are included and the overage price; Zoho's external pool is one-time.
  • Platform fee: Metabase from 1,080/6,210; small teams should check whether the five/ten included users are usable.
  • Add-ons: Metabase 65/130 per user/year; Zoho 6.40/user/month and viewers 80 per 25; Power BI Fabric capacity by SKU.
  • Permissions/SSO: Metabase from Pro; Power BI/Zoho by tier; row-level permissions, audit and data residency.
  • Deployment: Metabase self-hosted/air-gap, Zoho on-premise, Power BI cloud/Embedded; confirm cross-border data and operations ownership.
  • POC: two weeks, real data, 5–10 people; record modelling time, refresh failures, query latency, permissions, AI quality and the bill.

FAQ

One to three people: what is cheapest?

Zoho Basic for three users is 364.80/year (two included + one add-on at 6.40/month); Power BI Pro for three is 504/year; Metabase Starter is 1,080/year with five users included, useful if you will grow to five. For simple reports choose Zoho; for the Microsoft ecosystem choose Power BI; for SQL/self-hosting choose Metabase.

What about a ten-person team?

Zoho Basic 902.40/year, Metabase Starter 1,405/year, Power BI Pro 1,680/year; for larger models/advanced AI: Power BI PPU 2,880, Metabase Pro 6,210. Zoho Basic has only 0.5M rows/10K credits, so if ten users bring more data or AI usage, price the upgrade to Standard/Premium first.

What about twenty-five people?

Zoho Basic 2,054.40/year, Metabase Starter 2,380/year, Power BI Pro 4,200/year; Power BI PPU 7,200 and Metabase Pro 8,160. The Zoho 25-user figure adds 23 users to Basic, but 0.5M rows is likely too low; for 5M rows choose Premium with 15 included + 10 add-ons = 2,148/year, still below Metabase/Power BI.

What is the difference between Power BI Pro and PPU?

Pro at 14/user/month paid yearly: 1 GB model, 8 refreshes/day, 10 GB per licence; PPU at 24/user/month: 100 GB model, 48 refreshes/day, 100 TB storage, advanced AI/dataflows/datamarts/XMLA read-write. Choose PPU only for larger models or advanced AI; Pro is enough for viewing reports and basic dashboards.

Why is Metabase more expensive than Power BI?

Metabase charges a platform fee: Starter 1,080/year includes five users and Pro 6,210/year includes ten; when a small team cannot use all included users, the per-person cost is high. At ten users Starter is 1,080 + 5×65 = 1,405, below Power BI Pro 1,680; at twenty-five it is 2,380, below 4,200. Its value is self-hosting, embedding, SQL and permissions, not the lowest unit price.

How do Zoho AI credits work?

Basic 10K, Standard 20K, Premium 40K and Enterprise 100K credits/month; every Ask Zia question or agent action consumes credits. External-model credits are a one-time 10K/20K/40K/100K pool, after which you bring a key or buy credits. The Zoho LLM credits reset monthly; the external pool does not.

How are viewers/read-only users charged?

Power BI viewers usually need Pro unless you use Fabric capacity P1/F64+ with unlicensed viewing; Zoho viewers are USD 80 per 25 (a 25-viewer minimum); Metabase bills every logged-in user, so all viewers count. With many viewers, calculate the author + viewer bill before comparing unit prices.

What other costs are hidden?

Power BI: Fabric capacity is priced separately and publishing to capacity still needs Pro; PPU is 24/user/month. Metabase: overage users 65/130 per year, SSO/row-level permissions on Pro, air-gap/1-day SLA on Enterprise (from 20,000/year), AI/transform/storage metered. Zoho: add-on users 6.40/user/month, viewers from 80 per 25, rows/dedicated compute add-ons. None includes implementation, training or migration.

Research method and limitations

This article separates “official facts” from “editorial modelling”: plan prices, included users, overage user prices, rows, AI usage and model/refresh limits come from the three official pricing pages; the 1/3/10/25-user TCO and ten-seat breakdown are page price × users × 12 arithmetic, not a vendor quote. It does not compare query performance, visual quality, AI accuracy, migration cost or operational burden.

Eight limitations: (1) only US public list prices are compared, excluding tax, viewers, AI/transform/storage, Fabric capacity, implementation and training; (2) Power BI Fabric capacity is priced by F SKU and no capacity price is given here; the article only notes that P1/F64+ can make viewers unlicensed; (3) Metabase prices are the Cloud default, and self-hosted infrastructure/licence must be confirmed separately; (4) the Zoho 25-user Basic figure uses the published 6.40/user/month add-on and does not verify whether Basic allows 23 add-on users, so the real choice should be based on rows and may be Standard/Premium/Enterprise; (5) Zoho's tax wording is inconsistent (local taxes included vs VAT/GST additional), so checkout governs; (6) the three AI units (tier capability/tokens/runs/credits) are not 1:1 convertible; (7) SSO/SCIM, row-level permissions, data residency and certification availability by tier were not verified; (8) mainland China network, data compliance and local pricing are excluded. Treat this as a unit-alignment template and replace assumptions with a two-week real-data POC.

Sources and basis

  • Microsoft, Power BI pricing: microsoft.com/power-bi/pricing. Free 0; Pro 14/user/month paid yearly (168/year); Premium Per User 24/user/month paid yearly (288/year); Embedded variable; Fabric capacity separately; Pro 1 GB model/8 refreshes/10 GB licence; PPU 100 GB/48/100 TB; P1/F64+ allows unlicensed viewers; Pro included in Microsoft 365 E5/Office 365 E5. Accessed 5 November 2026.
  • Metabase, Pricing: metabase.com/pricing. Starter 100 monthly/90 annual (1,080/year, five users, overage 65/user/year); Pro 575 monthly/517.50 annual (6,210/year, ten users, overage 130/user/year); Enterprise custom from 20,000/year; AI 3.75/1M tokens (1M included); transforms 1,000 included, 0.01/0.02 per run; storage USD 2/1M rows (1M free); 14-day trial. Accessed 5 November 2026.
  • Zoho, Analytics Pricing: zoho.com/analytics/pricing.html. Free two users/10K rows; Basic 24/month annual (two users/0.5M rows/10K AI credits); Standard 48 (five/1M/20K); Premium 115 (fifteen/5M/40K); Enterprise 455 (fifty/50M/100K); add-on users 6.40/user/month; viewers 80 per 25; external LLM credits one-time 10K/20K/40K/100K; annual saves 20%; 15-day trial. Accessed 5 November 2026.

Data cut-off 5 November 2026; prices are public list prices with each site's tax treatment; all models are editorial calculations. This is not procurement advice.

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