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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.

One person slices fruit while another manages their accounting using the Xero app on a smartphone.

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.

  • Tick

    Connect the tools you already use

    Bring your favorite apps into Xero so your business data stays in one place.

  • Tick

    Fast matching, fewer errors

    Get matching suggestions for your bank transactions and reconcile in a few clicks, even in the Xero Accounting app.

  • Tick

    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.

XeroQuickBooks Online
Subscription plan

Early

Growing

Established

Simple Start

Essentials

Plus

Advanced

Unlimited users
Included

Unlimited

△ Each subscription has a restriction on the number of users.

Bank connections/bank feeds
Included
Included
Bank reconciliation
Included
Included
Auto bank reconcile
Included

Supported in Growing & Established subscriptions via JAX.

Included

Supported in Plus & Advanced subscriptions via Intuit Assist Agents.

Invoicing & quotes
Included

Early limits to 20 invoices. All other subscriptions offer unlimited invoicing.

Included
Bill management
Included

Early limits to 5 bills. All other subscriptions offer unlimited bills.

Included

Supported in Essentials, Plus & Advanced subscriptions.

Online payments
Included
Included
Cloud based
Included
Included
Works on mobile
Included
Included
W-9 + E-File directly from platform
Included
Included

Optional add-on and E-Filing available for a fee.

Payroll
Included

Optional add-on via Gusto.

Included

Optional add-on.

Sales tax
Included
Included
Smart Document Capture
Included
Included
PDF statement import
Included

△

Basic inventory & tracking
Included
Included

Supported in Plus & Advanced subscriptions.

Advanced inventory
Included

Optional add-on via Inventory Plus in Growing & Established subscription plans.

Included

Supported in Plus & Advanced subscriptions.

Manage fixed assets
Included
Included

Supported in Advanced subscription only.

Foreign currency
Included

Supported in Established subscription only.

Included

Supported in Essentials, Plus & Advanced subscriptions.

Expense and mileage tracking
Included

Supported in Established subscription only.

Included

Supported in Advanced subscription only.

Project tracking & profitability
Included

Supported in Established subscription only.

Included

Supported in Plus & Advanced subscriptions.

Advanced business intelligence & financial insights
Included

All features powered by Syft are exclusive to the Established subscription; some are available in the Early and Growing subscriptions.

Included

All features are exclusive to the Advanced subscription; some are available in the Essentials and Plus subscriptions.

Quick online bill pay
Included

Powered by Melio (ACH in 3 days; pay vendors by credit card)

Included

QuickBooks Bill Pay (ACH 5 Days; CC not supported)

Onboarding & migration
Included

Xero coaches (first 90 Days)

Included

Beta (1st 30 Days)

AI Agent (automate tasks and surface real-time insights)
Included

JAX

Included

Intuit Intelligence

Note: (✓) indicates a strong capability, (✗) indicates a significant limitation, and (△) indicates a partial or conditional capability

Star rating banner showing Xero's rating on Software Advice, G2, GetApp and Capterra

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

Hannah and Mollie from Must Love looking at a phone

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
Xero short-term cash flow projection showing upcoming money in and out by contact

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
Xero bank reconciliation screen showing statement lines reconciled by JAX using rules, matches, memory and predictions

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!

  • Included
    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.
Browse the Xero App Store
Illustration of a business owner surrounded by apps from the Xero App Store

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
Send invoices and reconcile your accounts on the go using the Xero Accounting app on your mobile device.

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.

  • Included
    Send invoices and track your bills in one place, with 1099 reporting and W-9 management built into Xero
  • Included
    Reconcile transactions and keep tabs on your finances on the go with the Xero Accounting app
See Xero for the self-employed
An illustrated woman interacting with multiple reporting dashboards and analytics screens
G2 Logo

G2

5.0 out of 5 stars
I like Xero for its overall simplicity, especially compared to QuickBooks Online. I find the invoicing feature and Stripe integration in Xero very valuable. Setting up Xero was really quick and easy, and it's one of the easiest products to use.

Connery J

G2 Logo

G2

5.0 out of 5 stars
I love how Xero makes bookkeeping so much more streamlined and helps with invoicing and paying bills efficiently. As the business owner, it gives me a really good overview of how my business is doing.

Katherine

G2 Logo

G2

5.0 out of 5 stars
Bank feeds and reconciliations save a huge amount of time, and the real-time reporting makes it easy to keep an eye on cash flow and performance. I also like the flexibility of the integrations, it connects well with lots of other systems.

Verified user

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.*

Early

$5.40 per month

for the first 3 months

Then $27 per month

An easy financial foundation - track cash flow with the essentials.

  • Included
    Send quotes and 20 invoices†
  • Included
    Accept online invoice payments^
  • Included
    5 bills
  • Included
    Reconcile bank transactions
  • Included
    Smart Document Capture
  • Included
    View real-time reports
  • Included
    W-9 + 1099 management
  • Included
    Sales tax
  • Included
    Visualize performance with basic graphs
  • Included
    30 day cash flow forecast
  • Included
    Make online bill payments (Domestic - Free ACH)
  • Included
    Make online bill payments (Cross Border)
  • Included
    Track income and expenses
  • Included
    Free expert setup help

Growing

$11.80 per month

for the first 3 months

Then $59 per month

Go beyond the basics - automate tasks and access performance dashboards.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Reconcile bank transactions
  • Included
    Smart Document Capture
  • Included
    View real-time reports
  • Included
    W-9 + 1099 management
  • Included
    Sales tax
  • Included
    Visualize performance with graphs
  • Included
    60 day cash flow forecast
  • Included
    Make online bill payments (Domestic - Free ACH)
  • Included
    Make online bill payments (Cross Border)
  • Included
    Customize performance dashboards
  • Included
    Tailored financial health scorecards
  • Included
    Budget with smart suggestions
  • Included
    Auto-reconcile transactions
  • Included
    Track income and expenses
  • Included
    Free expert setup help

Forecast with clarity

Forecast with clarity

Established

$19.40 per month

for the first 3 months

Then $97 per month

Future proof your scaling business - with advanced tools and analytics.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Reconcile bank transactions
  • Included
    Smart Document Capture
  • Included
    View real-time reports
  • Included
    W-9 + 1099 management
  • Included
    Sales tax
  • Included
    Visualize performance with graphs
  • Included
    180 day cash flow forecast
  • Included
    Make online bill payments (Domestic - Free ACH)
  • Included
    Make online bill payments (Cross Border)
  • Included
    Customize performance dashboards
  • Included
    Tailored financial health scorecards
  • Included
    Analyze KPIs and ratios
  • Included
    Use multiple currencies
  • Included
    Track time and costs for projects
  • Included
    Employee expense and mileage claims
  • Included
    Benchmark against the industry
  • Included
    Make online bill payments (International)
  • Included
    Budget with smart suggestions
  • Included
    Auto-reconcile transactions
  • Included
    Track income and expenses
  • Included
    Free expert setup help

Get one month free

Get one month free on any Xero plan.

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.