Bukku vs Xero (2026): which should you pick?

Pick Bukku if

• Fits if you run a Malaysian company and need LHDN e-Invoice
• Works for online sellers on Shopee or Lazada

Look elsewhere if

• Tight if you're past 6 months old, because the free Launch plan is for new companies only
• Pricey if you grow: the plan is set by turnover, up to RM135 and past
• Watch out: SST support and multiple currencies are RM12 a month each on Seed and Grow
• Watch out: prices exclude 8% SST, and no mobile app is listed

Pick Xero if

• Fits if your accountant already works in Xero
• Works for businesses where several staff and advisers need to be in the books, as users are unlimited

Look elsewhere if

• Tight if you send more than 20 invoices or enter more than 5 bills, since that's where Early stops
• Watch out: the advertised prices are 80% off for 3 months only, then $27, $59 or $97 a month
• Pricey if you need US payroll, at $36 a month plus $6 a person on top
• Pricey if you bill in other currencies, which need Established at $97, or want auto-reconcile on Early, a $5 add-on
• Skip it if you want a free plan to start on, as there isn't one, and taking the free month costs you the discount

Bukku

• Prices are in Malaysian ringgit and exclude 8% SST.
• The plan is set by company turnover, so a growing business moves up a tier.
• SST support and multiple currencies are add-ons on Seed and Grow, at RM12 a month each.
• Launch is for companies under 6 months old; no mobile app is listed on the site.

Xero

• The advertised prices are 80% off for the first 3 months; plans then renew at $27, $59 or $97 a month.
• Early stops at 20 invoices and 5 bills, and its graphs and cash flow forecast are the basic ones.
• US payroll costs $36 a month plus $6 per employee or contractor, and is not offered to Xero's US mobile-only subscribers.
• These are US prices; Xero sells in other countries, including New Zealand, Australia and the UK, on separate regional sites.

Bukku

LHDN e-Invoice

Invoices can be submitted to LHDN MyInvois automatically, and the site says e-Invoice is supported on every plan.

Bank feeds and reconciliation

A Maybank feed matches transactions automatically; statements from other banks can be uploaded, including PDF eStatements.

Inventory

Tracks stock levels and costs, with multiple units of measure, price levels and, from Prime, multiple locations.

Reports and dashboard

More than 50 reports including cash flow and profit and loss, plus a live dashboard of sales, expenses and cash.

Online store and POS sync

Pulls orders from Shopee, Lazada, TikTok Shop, Shopify and WooCommerce, and connects directly to StoreHub and FeedMe.

Xero

Bank reconciliation

Match bank transactions to invoices and bills. Auto-reconcile is part of Growing and Established, and a $5 a month add-on on Early.

Invoices, quotes and online payments

Send invoices and quotes with a payment service attached, and take card payments in person with Tap to Pay on iPhone and Android.

Bills and Smart Document Capture

Bills and receipts are pulled into Xero from documents, and standard ACH bill payments in US dollars are included on every plan.

Cash flow forecasts and analytics

Forecasts run 30, 60 or 180 days ahead depending on the plan, and Syft analytics, dashboards and health scorecards are built in.

JAX assistant

Xero's AI assistant answers questions about the business's numbers and handles routine bookkeeping tasks.

Xero Payroll, powered by Gusto

Full-service payroll that calculates, files and pays federal and state taxes across all 50 states, without leaving Xero.

Bukku

• LaunchRM0

  For companies under 6 months old: sales, invoicing, contacts and a limited dashboard, with 100 MB storage.

• SeedRM35

  per month, billed monthly, plus 8% SST

  For turnover under RM300k: purchases, bank feeds, inventory in one location, 50+ basic reports and 2 GB storage.

• GrowRM65

  per month, billed monthly, plus 8% SST

  For turnover RM300k to RM1mil: advanced reports, recurring transactions, invoice reminders and 5 GB storage.

• PrimeRM95

  per month, billed monthly, plus 8% SST

  For turnover RM1mil to RM3mil: SST support, multiple currencies, multi-location inventory and 20 GB storage.

• EliteRM135

  per month, billed monthly, plus 8% SST

  For turnover RM3mil to RM20mil: everything in Prime with higher quotas and 40 GB storage.

Xero

• Early$27

  per month, billed monthly

  Advertised at $5.40 a month for the first 3 months. Quotes, 20 invoices, 5 bills, bank reconciliation, sales tax and a 30-day cash flow forecast.

• Growing$59

  per month, billed monthly

  Advertised at $11.80 a month for the first 3 months. No invoice or bill limits, auto-reconcile, dashboards, budgets and a 60-day forecast.

• Established$97

  per month, billed monthly

  Advertised at $19.40 a month for the first 3 months. Adds multiple currencies, project time and costs, expense claims and a 180-day forecast.

Bukku

• Annual discount

  Annual billing costs 10 months

  The pricing page says annual billing is pay for 10 months, for example RM350 a year on Seed against RM35 a month.

• Nonprofit

  Up to 25% off for registered non-profits

  The pricing page lists an NGO discount of up to 25% for registered non-profit organisations.

Xero

• Other savings

  80% off the first 3 months

  New US customers buying their first organization pay 20% of the base plan price for 3 months, then the regular monthly price. Add-ons are not discounted.

• Other savings

  Two months of Xero Payroll free

  Xero's payroll page offers two months free to try Xero Payroll, which then costs $36 a month plus $6 per employee or contractor.