Qoyod vs Xero (2026): which should you pick?
As of Nov 13, 2026, Xero grades higher than Qoyod: 2.6 against 1.6 out of 4.0.
Checked Nov 9, 2026 and Nov 13, 2026 · graded Oct 17, 2026 and Nov 13, 2026 by ToolGPA
Xero grades higher on the free plan, features, ease of use and platforms. They get the same grade on value for money.
Price, platforms and features side by side. The table says where each price was read and when.
Xero
Cloud accounting for small businesses, with unlimited users
Which one is for you
Pick Qoyod if
- Fits if you run a Saudi business and need ZATCA e-invoicing
- Works for owners who want hourly accountant help with setup
Look elsewhere if
- Skip it if you need to know the price first, because none could be read
- Not for you if you're outside Saudi Arabia, as the listing covers no other country
- Watch out: only an Apple app was confirmed, so Android or desktop is unknown
- Watch out: the 3.0 App Store score rests on just 20 ratings
- Watch out: the vendor site blocked our request, so plans are unconfirmed
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
How we grade them
| 1.6GPAQoyodWeak | 2.6GPAXeroGood | |
|---|---|---|
| Value for money | CNo price on record, since the vendor's site blocked the request. That's a C by default. | 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, so a team costs no more. |
| Free plan and trial | FNo free plan and no trial on record, so nothing to try before paying. | 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 | CSales, purchases, journals, inventory, reports, POS and ZATCA e-invoicing. The listing doesn't show how deep any of it goes. | 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 | CApp Store shows 3.0, but from only 20 ratings, which doesn't count. Accounts and invoicing rules to set up. | 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 | COnly the iPhone and iPad app was confirmed. Web and other platforms couldn't be checked. | 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 | Saudi accounting with ZATCA e-invoicing | 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: Qoyod and Xero. How we grade
Where they differ
- Qoyod also covers inventory.
- Xero also covers payroll.
At a glance
| Qoyod | Xero | |
|---|---|---|
| Pricing | Paid | Free trial |
| Starts at | Not published | $27 per month, billed monthly |
| Free plan | None | None |
| Free trial | None listed | One month free on any plan, taken instead of the 3-month discount |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Automated Cloud Company for Communications and IT | Xero Limited |
| Price read from | Not confirmed | xero.com |
| Checked | Nov 13, 2026 | Nov 9, 2026 |
Worth knowing
Qoyod
- No prices could be read: the vendor's website blocked the request, so none are recorded here.
- Built for Saudi Arabia and its e-invoicing rules; the listing does not describe other countries.
- The App Store listing offers hourly accountants for setup and training.
- Only the iPhone and iPad app was confirmed; the site was not readable to check other platforms.
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
Qoyod
- Sales and purchases
- Creates sales invoices with pricing promotions and discounts, and records supplier bills, purchase orders and expenses.
- ZATCA e-invoicing
- Issues electronic invoices (Fatoorah) that support ZATCA compliance, with a simulation environment for testing before going live.
- Journal entries and reports
- Captures daily transactions as journal entries and produces reports on profitability and cash flow.
- Products and inventory
- Manages items, prices, quantities and stock counts, when the inventory feature is enabled.
- POS and store connections
- Syncs with point-of-sale and e-commerce platforms, and links online stores by API where integrations exist.
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
Qoyod
Pricing could not be confirmed. See qoyod.com.
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
Qoyod
No public discounts listed.
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.
Common questions
Which is cheaper, Qoyod or Xero?
As of Nov 13, 2026, Qoyod has no price we could confirm, and Xero starts at $27 per month, billed monthly.
Which has a free plan, Qoyod or Xero?
As of Nov 13, 2026, neither Qoyod nor Xero has a free plan. Xero has a free trial.
Which platforms do Qoyod and Xero run on?
As of Nov 13, 2026, only Xero lists a web app and an Android app. Both list an iOS app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.