Generally, yes, and significantly so for mid-market businesses. Core Zia features are included in standard Zoho subscriptions with no additional AI license. This is possible because Zoho owns its infrastructure end-to-end and has invested in AI R&D since 2015 rather than licensing capabilities from OpenAI or other providers. Salesforce Einstein requires separate per-seat or per-conversation AI licensing on top of already-high base CRM costs. Advanced Zoho AI capabilities like Zia Agents have their own tier, but the total cost of ownership across an equivalent feature set is substantially lower than Salesforce’s stack.