Xero vs QuickBooks: which is right for you?
Comparing QuickBooks alternatives? Every Xero plan includes unlimited users at no extra cost. Reconcile in a few clicks and see your cash flow as it happens.

Why small businesses choose Xero as a QuickBooks alternative
Link your apps, reconcile in a few clicks, and get expert help to start, so you can run your business, not your books.
Connect the tools you already use
Bring your favorite apps into Xero so your business data stays in one place.
Fast matching, fewer errors
Get matching suggestions for your bank transactions and reconcile in a few clicks, even in the Xero Accounting app.
Get started easily, with expert help
A Xero partner can move your QuickBooks data with Jet Convert, then a Xero expert helps you set up on a 1:1 call.
| Xero | QuickBooks Online | |
|---|---|---|
| Subscription plan | Early Growing Established | Simple Start Essentials Plus Advanced |
| Unlimited users | Unlimited | △ Each subscription has a restriction on the number of users. |
| Bank connections/bank feeds | ||
| Bank reconciliation | ||
| Auto bank reconcile | Supported in Growing & Established subscriptions via JAX. | Supported in Plus & Advanced subscriptions via Intuit Assist Agents. |
| Invoicing & quotes | Early limits to 20 invoices. All other subscriptions offer unlimited invoicing. | |
| Bill management | Early limits to 5 bills. All other subscriptions offer unlimited bills. | Supported in Essentials, Plus & Advanced subscriptions. |
| Online payments | ||
| Cloud based | ||
| Works on mobile | ||
| W-9 + E-File directly from platform | Optional add-on and E-Filing available for a fee. | |
| Payroll | Optional add-on via Gusto. | Optional add-on. |
| Sales tax | ||
| Smart Document Capture | ||
| PDF statement import | △ | |
| Basic inventory & tracking | Supported in Plus & Advanced subscriptions. | |
| Advanced inventory | Optional add-on via Inventory Plus in Growing & Established subscription plans. | Supported in Plus & Advanced subscriptions. |
| Manage fixed assets | Supported in Advanced subscription only. | |
| Foreign currency | Supported in Established subscription only. | Supported in Essentials, Plus & Advanced subscriptions. |
| Expense and mileage tracking | Supported in Established subscription only. | Supported in Advanced subscription only. |
| Project tracking & profitability | Supported in Established subscription only. | Supported in Plus & Advanced subscriptions. |
| Advanced business intelligence & financial insights | All features powered by Syft are exclusive to the Established subscription; some are available in the Early and Growing subscriptions. | All features are exclusive to the Advanced subscription; some are available in the Essentials and Plus subscriptions. |
| Quick online bill pay | Powered by Melio (ACH in 3 days; pay vendors by credit card) | QuickBooks Bill Pay (ACH 5 Days; CC not supported) |
| Onboarding & migration | Xero coaches (first 90 Days) | Beta (1st 30 Days) |
| AI Agent (automate tasks and surface real-time insights) | JAX | Intuit Intelligence |
Note: (✓) indicates a strong capability, (✗) indicates a significant limitation, and (△) indicates a partial or conditional capability

Our business is more complicated than you’d think. There’s a lot of moving parts and Xero has streamlined our business a ton. Having software that supports the tracking accounting process gives us a lot of confidence.
Hannah and Mollie, Must Love

Clearly see where your business stands
Want your numbers at a glance? Open Xero and your homepage shows your cash flow, bank balances, invoices owed to you, and bills to pay. 91% of customers agree Xero is easy to use (Xero survey, May–June 2024).
Explore all Xero features
Spend less time on bookkeeping
When your books pile up, Xero bank feeds bring in your transactions automatically. Upload receipts and bills to Hubdoc, which captures the details for you. JAX auto-reconciles high-confidence matches on Growing and Established plans, leaving the final call with you.
See how Xero accounting software works
Add the apps that fit how you work
The Xero App Store offers hundreds of third-party integrations, so you can add the payments, inventory, payroll, and point-of-sale apps your business runs on. Pay your team through Gusto. You can even connect your Xero data to Claude on any business plan!
- Xero’s live integration with Claude brings AI-powered financial insight directly to your small business. Ask Claude questions about revenue, cash flow, overdue invoices, and performance, and get clear, conversational answers based on your live Xero data. No spreadsheets, no switching tools.

Moving from QuickBooks? Get hands-on help
Switching means bringing over your data and learning a new tool, and you’ll get help with both. A Xero partner can use Jet Convert to move your QuickBooks data, including current and previous fiscal year transactions. Then a Xero expert helps you set up on a one-on-one call, so you can start fast.
Switch from QuickBooks
Work for yourself with less admin
Working for yourself? Keep invoices, bills, W-9s and 1099s in one place, and check your numbers on the go.
- Send invoices and track your bills in one place, with 1099 reporting and W-9 management built into Xero
- Reconcile transactions and keep tabs on your finances on the go with the Xero Accounting app


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FAQs on Xero's QuickBooks alternative
Xero is accounting software built for small businesses like yours, and every plan includes the essentials:
• Hubdoc data capture and reports
Unlimited users at no extra cost
• Bank feeds and reconciliation with matching suggestions
• Online invoicing and bill management
• Sales tax, W-9 and 1099 management
• A wide range of third-party apps in the Xero App Store
To see how it measures up, compare Xero with other software.
Xero is accounting software built for small businesses like yours, and every plan includes the essentials:
• Hubdoc data capture and reports
Unlimited users at no extra cost
• Bank feeds and reconciliation with matching suggestions
• Online invoicing and bill management
• Sales tax, W-9 and 1099 management
• A wide range of third-party apps in the Xero App Store
To see how it measures up, compare Xero with other software.
Every Xero plan includes unlimited users, so you can add people as your team grows at no extra cost. You can choose from three plans: Early, Growing and Established. Compare Xero plans and pricing to find the right fit.
Every Xero plan includes unlimited users, so you can add people as your team grows at no extra cost. You can choose from three plans: Early, Growing and Established. Compare Xero plans and pricing to find the right fit.
You can move your QuickBooks data to Xero in three steps:
1. Pick a conversion date. It should be the first day of a month, ideally the start of your fiscal year or sales tax period
2. Have a Xero partner bring your QuickBooks data across with Jet Convert, Xero’s migration partner, or import your chart of accounts and contacts yourself and add any unpaid invoices and bills
3. Book personalized 1:1 setup assistance to get up and running.
For the full process, follow the step-by-step conversion guide on Xero Central.
You can move your QuickBooks data to Xero in three steps:
1. Pick a conversion date. It should be the first day of a month, ideally the start of your fiscal year or sales tax period
2. Have a Xero partner bring your QuickBooks data across with Jet Convert, Xero’s migration partner, or import your chart of accounts and contacts yourself and add any unpaid invoices and bills
3. Book personalized 1:1 setup assistance to get up and running.
For the full process, follow the step-by-step conversion guide on Xero Central.
Absolutely. Xero runs in the cloud, so you can open your books on any device with an internet connection. When you're on the move, the Xero Accounting app lets you send invoices and reconcile transactions from your phone.
Absolutely. Xero runs in the cloud, so you can open your books on any device with an internet connection. When you're on the move, the Xero Accounting app lets you send invoices and reconcile transactions from your phone.
Yes. Xero connects with Gusto, an optional payroll add-on, so you can pay your team and manage deductions with the data flowing into your books. Gusto also handles 1099 contractor reporting. Find out how Xero payroll works with Gusto.
Yes. Xero connects with Gusto, an optional payroll add-on, so you can pay your team and manage deductions with the data flowing into your books. Gusto also handles 1099 contractor reporting. Find out how Xero payroll works with Gusto.
Definitely. Xero helps you add sales tax to your invoices and keep track of what you've collected. W-9 management and a 1099 report are included too, so you can keep all your 1099 contacts in one group. See how Xero makes tax preparation easier.
Definitely. Xero helps you add sales tax to your invoices and keep track of what you've collected. W-9 management and a 1099 report are included too, so you can keep all your 1099 contacts in one group. See how Xero makes tax preparation easier.
Of course. Xero’s customizable reports, including Profit and Loss, give you and your accountant up-to-date numbers, so you know where your business stands at tax time. For filing requirements and forms, check the IRS guidance for businesses.
Of course. Xero’s customizable reports, including Profit and Loss, give you and your accountant up-to-date numbers, so you know where your business stands at tax time. For filing requirements and forms, check the IRS guidance for businesses.
Yes. Every Xero plan includes unlimited users at no extra cost, so you can invite your team and your accountant or bookkeeper. Everyone works from the same up-to-date numbers, so working together is simpler.
Yes. Every Xero plan includes unlimited users at no extra cost, so you can invite your team and your accountant or bookkeeper. Everyone works from the same up-to-date numbers, so working together is simpler.
Certainly. 91% of customers agree Xero is easy to use (Xero survey, May–June 2024), and personalized 1:1 setup assistance helps you find your way around fast. See why small businesses find Xero easy to use.
Certainly. 91% of customers agree Xero is easy to use (Xero survey, May–June 2024), and personalized 1:1 setup assistance helps you find your way around fast. See why small businesses find Xero easy to use.
Xero gives you personalized 1:1 setup assistance, plus round-the-clock support whenever questions come up. For local help, the Xero Advisor Directory connects you with certified accountants and bookkeepers. Find a certified Xero advisor near you.
Xero gives you personalized 1:1 setup assistance, plus round-the-clock support whenever questions come up. For local help, the Xero Advisor Directory connects you with certified accountants and bookkeepers. Find a certified Xero advisor near you.
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
Explore useful features to run your business
Xero’s online accounting software is designed to make life easier for small businesses – anywhere, any time.
*Fees apply for other payment methods.
