Kashoo vs Xero
We give Kashoo a 2.2 GPA and Xero a 2.6, out of 4.0. Xero grades higher on features and ease of use. They get the same grade on value for money, the free plan and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Kashoo
One-plan online accounting with unlimited users and bank feeds
Xero
Cloud accounting for small businesses, with unlimited users
How we grade them
| 2.2GPAKashooFair | 2.6GPAXeroGood | |
|---|---|---|
| Value for money | C$30 a month for the business, or $324 a year, just under the dearer quarter of accounting tools at $31.10. Everything is on that one plan, users included, so there's no upsell. There's no cheaper plan for a quiet month either, and each business pays separately. | CEarly is $27 a month, between this category's middle at $23 and its dearer quarter at $31.10, and it stops at 20 invoices and 5 bills. No limits means Growing at $59. Users are unlimited on every plan, though, which helps once a team is involved. |
| Free plan and trial | CA 14-day free trial with no card needed. After that a card is needed to carry on, and there's no free plan, though an unpaid account is kept for 90 days. | COne month free on any plan, but you give up the 80%-off-for-3-months offer to take it. There's no free plan, and the listing doesn't say whether a card is needed for the trial. |
| Features | CInvoices with online payments, expenses and bills, sales tax, bank feeds from 5,000+ banks, projects, inventory items, several currencies and a double-entry ledger. The gap is on the listing: payroll isn't built in and comes through PaymentEvolution. | BBank reconciliation, invoices and quotes, Tap to Pay, bill capture, free ACH bill payments, cash flow forecasts, Syft analytics, the JAX assistant and Gusto payroll. Multiple currencies need Established, but the whole job is here. |
| Ease of use | CNo store rating on record. Bank feeds bring the transactions in for you, but it's still a double-entry ledger, with banks to connect and categories to learn before it runs itself. | B4.65 from 1,689 App Store ratings, just under the top band. Auto-reconcile, which takes away the most clicking, is part of Growing and Established and a $5 a month add-on on Early. |
| Platforms and integrations | BWeb, iPhone and Android, with bank feeds through Plaid, payments through Stripe and Square, and payroll through PaymentEvolution. There's no desktop app, which keeps it off an A. | BWeb, iPhone and Android, plus an app store with Gusto, Stripe, Syft, Dext, A2X and Mercury. There's no desktop app, which is what keeps it off an A. |
| Best for | one flat-priced plan with every feature in it | small businesses that work with an accountant |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Kashoo and Xero. How we grade
Price against what you get
Kashoo starts at $30 a month and scores 2.3 out of 4 on features, ease of use and platforms. Xero starts at $27 a month and scores 3.0.
Xero scores higher and starts $3 a month lower. Of the other accounting and invoicing tools on the chart, 7 score higher than Kashoo for less, and 3 score higher than Xero for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Kashoo starts at $30 per business / month, billed monthly. Xero starts at $27 per month, billed monthly.
- Xero also covers payroll.
At a glance
| Kashoo | Xero | |
|---|---|---|
| Pricing | Free trial | Free trial |
| Starts at | $30 per business / month, billed monthly | $27 per month, billed monthly |
| Free plan | None | None |
| Free trial | 14-day free trial, no credit card required | One month free on any plan, taken instead of the 3-month discount |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Kashoo | Xero Limited |
| Price read from | kashoo.com | xero.com |
| Checked | Oct 17, 2026 | Oct 17, 2026 |
Who each one suits
Kashoo
- Sole proprietors who want one flat price with every feature included
- Small businesses that share their books with an accountant and staff
- Owners who want phone, chat and email help from the maker itself
Xero
- Small businesses that want every staff member and adviser in the books at no extra cost
- Businesses that work with an accountant who already uses Xero
- Companies that bill or pay in several currencies, on Established
Worth knowing
Kashoo
- Each business needs its own subscription; for more than 5 businesses Kashoo quotes a package by phone, email or chat.
- Payroll is not built in: Kashoo connects to PaymentEvolution for it.
- The maker now promotes TrulySmall Accounting, $20 a month, as its newer automated product; Kashoo's help center calls this one Kashoo Classic.
- When the trial ends a card is needed to continue; an unpaid account is kept for another 90 days.
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.
Key features
Kashoo
- Bank feeds
- Connects to more than 5,000 banks and credit unions through Plaid and imports transactions automatically.
- Invoices and online payments
- Unlimited invoices, with customers paying straight from the invoice once a Stripe account is set up. Square sales can be brought in too.
- Expenses, bills and sales tax
- Track expenses and bills, attach unlimited receipts and documents, and track sales tax on a double-entry ledger.
- Projects, items and currencies
- Track projects and inventory items, and record transactions in more than one currency, all on the one plan.
- Unlimited users
- Add your accountant, bookkeeper and staff at no extra cost, each with their own access level.
- Mobile app
- The iOS and Android app sends invoices, shows customer balances and reports, and turns receipt photos into expenses.
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.
Plans
Kashoo
Kashoo$30
per business / month, billed monthly
Every feature: unlimited invoices and users, bank feeds, sales tax, projects, inventory items, multi-currency and two-factor sign-in.
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.
Ways to pay less
Kashoo
- Annual discount
Pay $324 a year with annual billing
Annual billing costs $324 a year, 10% less than twelve monthly payments of $30.
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.
