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Xero online accounting and invoicing dashboard

Xero

Xero

$29.00/mo

“The best QuickBooks alternative for teams and international businesses — unlimited users, superior multi-currency, and 1,000+ integrations at lower per-user cost.”

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Pros & Cons

  • Unlimited users on all plans — no per-seat fees
  • 160+ currency support for international businesses
  • 1,000+ app integrations (Shopify, Stripe, Gusto, Salesforce)
  • Real-time bank reconciliation with AI categorization
  • Best for growing teams and international operations
  • Starter plan caps at 20 invoices/month
  • No in-house US payroll — requires Gusto or ADP
  • More complex setup than FreshBooks or Wave

Key Specifications

Starter $29/month (20 invoices/month)
Standard $46/month (unlimited invoices)
Premium $69/month (multi-currency)
Users Unlimited on all plans
Currencies 160+ (Premium)
Integrations 1,000+
Payroll Via Gusto or ADP (US)
API Full REST API

Rating Breakdown

Quality
9.0
Value for Money
8.2
Features
9.2
Ease of Use
8.8

Review: Xero

Xero’s defining advantage: unlimited users on every plan. QuickBooks charges per-seat — reaching 25 users costs $200+/month on Advanced. Xero’s Standard plan ($46/month) covers unlimited users, making it dramatically cheaper for businesses with accounting teams, remote bookkeepers, and external accountants.

Invoicing & Billing

Invoice creation is clean and professional. Automatic payment reminders, recurring schedules, and online payment collection via Stripe, PayPal, or GoCardless work reliably. The invoice approval workflow — useful for businesses reviewing invoices before sending — is more configurable than FreshBooks or Wave.

Multi-Currency

160+ currencies with real-time exchange rates on the Premium plan ($69/month). For agencies with international clients or SaaS companies billing in local currencies, this is a practical advantage. QuickBooks requires the $90/month Plus plan for multi-currency.

Integration Ecosystem

1,000+ app marketplace: payroll (Gusto, ADP), inventory (Cin7, DEAR), CRM (Salesforce, HubSpot), e-commerce (Shopify, WooCommerce), and more. The open REST API enables custom integrations for technical teams.

Verdict

Xero for businesses with teams needing accounting access, international currency operations, or wanting QuickBooks-equivalent depth at better per-user pricing. For solo freelancers, FreshBooks is simpler and more purpose-built.

Ready to get started?

Try Xero — see their current offer.

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