QuickBooks Online vs Xero
Every value comes from the product records. Facts we have not verified are marked, never guessed.
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QuickBooks Online
Accounting Software
- Score
- Not yet scored
- Price
- Flat rate from $38/mo
- Suits
- Solo, Small teams (2–50), Mid-size (51–500)
- Free option
- Free trial
Xero
Accounting Software
- Score
- Not yet scored
- Price
- Flat rate from $25/mo
- Suits
- Solo, Small teams (2–50), Mid-size (51–500)
- Free option
- None
The two mainstream small-business ledgers, separated by how they count users.
TechBigs verdict, published Sep 4, 2026
Where they differ
2 facts that can decide it; identical facts are below- PricingQuickBooks Online: Flat rate from $38/moXero: Flat rate from $25/mo
- Free optionQuickBooks Online: Free trialXero: None
Everything else
Same on every product unless markedBasics
Scroll sideways to see every product.
| Basics | QuickBooks Online | Xero |
|---|---|---|
| Pricing (products differ) | Flat rate from $38/mo | Flat rate from $25/mo |
| Free trial (products differ) | Yes | No |
| Category | Accounting Software | Accounting Software |
| Product type | SaaS | SaaS |
| Pricing model | Flat rate | Flat rate |
| Free plan | No | No |
| Deployment | Cloud | Cloud |
| Team size | Solo, Small teams (2–50), Mid-size (51–500) | Solo, Small teams (2–50), Mid-size (51–500) |
Pricing
QuickBooks Online
- Simple Start$38/mo
Flat rate, 30-day trial
- Essentials$85/mo
Flat rate, 30-day trial
- Plus$140/mo
Flat rate, 30-day trial
- Advanced$340/mo
Flat rate, 30-day trial
Xero
- Early$25/mo
Flat rate
- Growing$55/mo
Flat rate
- Established$90/mo
Flat rate
Features
Scroll sideways to see every product.
| Feature | QuickBooks Online | Xero |
|---|---|---|
| Invoicing and quotes (products differ) | Not verified | Yes |
| Bank feeds and reconciliation (products differ) | Not verified | Yes |
| Expense and receipt tracking (products differ) | Not verified | Yes |
| Multi-currency (products differ) | Not verified | Yes |
| Tax and VAT reporting (products differ) | Not verified | Yes |
| Inventory tracking (products differ) | Not verified | Yes |
| Project and time tracking (products differ) | Not verified | Yes |
| Payroll | Yes | Yes |
Integrations
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| Integration | QuickBooks Online | Xero |
|---|---|---|
| Mailchimp (products differ) | Native | Not listed |
| PayPal (products differ) | Native | Not listed |
| Shopify (products differ) | Native | Not listed |
| Xero (products differ) | Not listed | Native |
| QuickBooks | Native | Native |
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