Alternatives to Xero

3 tools that cover the same need, each with the one difference that matters most.

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QuickBooks Online
Intuit's cloud accounting product, from US$38 a month with one user and two accountant seats.
Why it’s an alternative: The other default for small businesses, priced by user count instead of unlimited users.
Differs on: Flat rate from $38/mo, while Xero is flat rate from $25/mo.
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Zoho Books
Six-tier accounting suite with a free plan for small businesses and Standard at US$15 a month.
Why it’s an alternative: A longer plan ladder starting free, at a much lower price for the same core bookkeeping.
Differs on: Free plan, paid from $15/mo, while Xero is flat rate from $25/mo.
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FreeAgent
United Kingdom accounting priced by business type, from £10 a month, and free with several bank accounts.
Why it’s an alternative: United Kingdom alternative that files VAT and self-assessment to HM Revenue and Customs directly, and is free with several banks.
Differs on: Flat rate from £10/mo, while Xero is flat rate from $25/mo.
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QuickBooks Online, Zoho Books, FreeAgent, QuickFile and Odoo Accounting list Xero as an alternative in turn. Alternatives are editorial relations, never votes.