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QuickBooks Online vs Xero

We give QuickBooks Online a 2.4 GPA and Xero a 2.6, out of 4.0. Xero grades higher on ease of use. They get the same grade on value for money, the free plan, features and platforms.

Price, platforms and features side by side. The table says where each price was read and when.

QuickBooks Online

Cloud accounting from Intuit, from a free plan to 25-user Advanced

Free plan · from $38/mo

Xero

Cloud accounting for small businesses, with unlimited users

Free trial · from $27/mo

How we grade them

2.4GPAQuickBooks OnlineFair2.6GPAXeroGood
Value for money
CSimple Start is $38 a month for 1 user, above the dearer quarter of accounting tools at $31.10 but short of the dearest tenth at $49. Three users is $85, and inventory and budgets need Plus at $140. The 50% off lasts only 3 months.
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
CThere's a free plan, but it's 2 invoices a month, 3 reports and 1 bank account, with no accountant access or mobile app. You'll hit that fast. Paid plans have a 30-day trial instead of the discount.
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
BBank feeds that learn your categories, invoices and payments, bill pay by ACH, reports, budgets, project profit, inventory, classes, AI that reconciles and flags oddities, and payroll as an add-on. That's the whole job.
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. Its bank feeds learn how you categorize and copy you, which helps, but there are accounts to connect and reports 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 PayPal, Square, Shopify, Amazon, Etsy, eBay, Gusto and QuickBooks Time. No desktop app is listed, and the free plan gets no mobile app or third-party apps.
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 forUS businesses that share the books with an accountantsmall 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: QuickBooks Online and Xero. How we grade

Price against what you get

QuickBooks Online starts at $38 a month and scores 2.7 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 $11 a month lower. Of the other accounting and invoicing tools on the chart, 5 score higher than QuickBooks Online for less, and 3 score higher than Xero for less.

Features, ease of use and platforms, averaged

C2.0B3.0A4.0Free$2$5$10$20$50$100More for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessQuickBooks OnlineXero

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
The full chart of accounting and invoicing tools, and the best at every price

Where they differ

  • QuickBooks Online starts at $38 per month, billed monthly. Xero starts at $27 per month, billed monthly.
  • QuickBooks Online has a free plan. Xero does not, though it has a free trial.
In commonWebiOSAndroidAI featuresInvoicingReportsBookkeepingExpense trackingPayroll

At a glance

QuickBooks OnlineXero
PricingFree planFree trial
Starts at$38 per month, billed monthly$27 per month, billed monthly
Free plan1 user, income and expense tracking, 2 invoices a month, 3 reports and 1 connected bank. No accountant access, mobile app or third-party apps.None
Free trial30-day free trial on paid plans, taken instead of the 3-month discountOne month free on any plan, taken instead of the 3-month discount
Web
iOS
Android
Made byIntuit Inc.Xero Limited
Price read fromquickbooks.intuit.comxero.com
CheckedOct 17, 2026Oct 17, 2026

Who each one suits

QuickBooks Online

  • US small businesses that want their accountant working in the same books
  • Businesses that expect to add payroll, inventory or project tracking later
  • Sole traders who only need to track income and send a few invoices

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

QuickBooks Online

  • The advertised prices are a 50% discount for the first 3 months; the plan then renews at $38, $85, $140 or $340 a month.
  • Each plan caps users: 1 on Simple Start, 3 on Essentials, 5 on Plus and 25 on Advanced.
  • Payroll costs extra: Workforce Payroll alone is $50 a month plus $7 per employee, and Premium is $88 plus $13 per employee.
  • These are US prices and plans; Intuit runs separate country sites for Canada, the UK, Australia, India and others.

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

QuickBooks Online

Bank feeds and automatic categorizing
Connect bank and card accounts and QuickBooks learns how you categorize transactions, then matches and records new ones the same way.
Invoices and online payments
Send invoices and estimates, take card and bank payments through QuickBooks Payments, and get status updates and reminders.
Bills and accounts payable
Organize and pay bills by ACH from paid plans. Standard ACH payments beyond the monthly allotment cost $0.50 each.
Reports, budgets and projects
Profit and loss and sales reports on every paid plan. Budgets, project profitability, inventory and class tracking start on Plus.
Intuit Intelligence
AI tools that categorize expenses, reconcile books and flag anomalies, with more of them unlocked on Plus and Advanced.
Payroll through QuickBooks Workforce
A separate subscription that runs full-service payroll, files payroll taxes and e-files 1099s, added from the same checkout.

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

QuickBooks Online

  • Free$0

    1 user, 2 invoices a month, profit and loss, balance sheet and account quick report, and 1 connected bank account.

  • Simple Start$38

    per month for 1 user, billed monthly

    Advertised at $19 a month for the first 3 months. Automated bookkeeping, invoicing with online payments, bill pay and access for 2 accountants.

  • Essentials$85

    per month for up to 3 users, billed monthly

    Advertised at $42.50 a month for the first 3 months. Adds enhanced reports, employee time on invoices and web lead forms.

  • Plus$140

    per month for up to 5 users, billed monthly

    Advertised at $70 a month for the first 3 months. Adds budgets, project profitability, inventory and up to 40 classes and locations.

  • Advanced$340

    per month for up to 25 users, billed monthly

    Advertised at $170 a month for the first 3 months. Adds custom roles, workflow automation, Excel sync, batch invoices and priority support.

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

QuickBooks Online

  • Other savings

    50% off the first 3 months

    New customers on a monthly plan pay half the base price for the first 3 months, then the regular price. It does not apply to per-employee fees.

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.

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