CompareStack/Xero vs FreeAgent
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Updated March 2026 · Independent Analysis

XerovsFreeAgent

FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo. Both rated 4.3/5 by users.

X
Xero

Cloud-based accounting software for small businesses and accountants

★ 4.3/5Founded 20064.2M+ subscribers users
Try Xero Free →
F
FreeAgent

Accounting software designed for freelancers, contractors, and small businesses

★ 4.3/5Founded 2007150K+ users users
Try FreeAgent Free →

⚡ Quick Stats

⭐
Avg Rating
Xero4.3/5
FreeAgent4.3/5
🏆 Xero wins
💰
Starting Price
Xero$25/mo
FreeAgent$19/mo
🏆 FreeAgent wins
🔧
Features
Xero15
FreeAgent15
🏆 Xero wins
🎁
Free Plan
XeroNo
FreeAgentNo

📊 Ratings Breakdown

X

Xero

4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
Overall Avg4.35/5
F

FreeAgent

4.3/5 avg
G2 Score4.2/5
Capterra Score4.4/5
Overall Avg4.300000000000001/5

⚡ Quick Verdict

Independent analysis based on features, pricing, and user ratings

Choose Xero if you need:
  • ✓ Bank Reconciliation
  • ✓ Expense Claims
  • ✓ Financial Reports
  • ✓ Inventory
  • ✓ Purchase Orders
Try Xero Free →
Choose FreeAgent if you need:
  • ✓ Expense Tracking
  • ✓ Time Tracking
  • ✓ Bank Feeds
  • ✓ Self-Assessment Tax
  • ✓ VAT
Try FreeAgent Free →

🔧 Feature Comparison

Xero uniquely offers Bank Reconciliation, Expense Claims, Financial Reports. FreeAgent uniquely offers Expense Tracking, Time Tracking, Bank Feeds. Both share 4 features including Invoicing, Payroll, Multi-currency.

Feature
Xero
FreeAgent
Invoicing
✓
✓
Payroll
✓
✓
Multi-currency
✓
✓
Mobile App
✓
✓
Bank Reconciliation
✓
✗
Expense Claims
✓
✗
Financial Reports
✓
✗
Inventory
✓
✗
Purchase Orders
✓
✗
Project Tracking
✓
✗
Fixed Assets
✓
✗
Hubdoc (Receipt capture)
✓
✗
1000+ Integrations
✓
✗
Bank Connections
✓
✗
Tax Filing
✓
✗
Expense Tracking
✗
✓
Time Tracking
✗
✓
Bank Feeds
✗
✓
Self-Assessment Tax
✗
✓
VAT
✗
✓
Project Management
✗
✓
Estimates
✗
✓
Reports
✗
✓
Accountant Access
✗
✓
Receipt Capture
✗
✓
Direct Bank Connections
✗
✓
Total Features
15
15

💰 Pricing Comparison

FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo.

X

Xero Plans

Paid plans only

EarlyBest Value
$25/mo
  • • 20 invoices
  • • 5 bills
  • • Bank reconciliation
Growing
$55/mo
  • • Unlimited invoices
  • • Bulk reconciliation
Established
$90/mo
  • • Multi-currency
  • • Expense claims
  • • Advanced analytics
Full Xero pricing breakdown →
F

FreeAgent Plans

Paid plans only

FreeAgentBest Value
$19/mo
  • • All features
  • • Unlimited users
  • • Unlimited invoices
Full FreeAgent pricing breakdown →
🔔 Get notified when prices change

❓ Frequently Asked Questions

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