Homeโ€บQuickBooks Online vs Xero
Updated March 2026 ยท Independent Analysis

QuickBooks OnlinevsXero

Xero starts at $25/mo, 29% cheaper than QuickBooks Online's $35/mo. Both rated 4.2/5 by users.

Q
QuickBooks Online

The most popular small business accounting software in the US

โ˜… 4.2/5Founded 19837M+ customers users
Try QuickBooks Online Free โ†’
X
Xero

Cloud-based accounting software for small businesses and accountants

โ˜… 4.3/5Founded 20064.2M+ subscribers users
Try Xero Free โ†’

โšก Quick Stats

โญ
Avg Rating
๐Ÿ† Xero wins
๐Ÿ’ฐ
Starting Price
๐Ÿ† Xero wins
๐Ÿ”ง
Features
๐Ÿ† QuickBooks Online wins
๐ŸŽ
Free Plan

๐Ÿ“Š Ratings Breakdown

Q

QuickBooks Online

4.2/5 avg
G2 Score4/5
Capterra Score4.3/5
Overall Avg4.15/5
X

Xero

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

โšก Quick Verdict

Independent analysis based on features, pricing, and user ratings

Choose QuickBooks Online if you need:
  • โœ“ Expense Tracking
  • โœ“ Tax Categories
  • โœ“ Payroll (add-on)
  • โœ“ Time Tracking
  • โœ“ Inventory Management
Try QuickBooks Online Free โ†’
Choose Xero if you need:
  • โœ“ Bank Reconciliation
  • โœ“ Expense Claims
  • โœ“ Payroll
  • โœ“ Inventory
  • โœ“ Purchase Orders
Try Xero Free โ†’

๐Ÿ”ง Feature Comparison

QuickBooks Online uniquely offers Expense Tracking, Tax Categories, Payroll (add-on). Xero uniquely offers Bank Reconciliation, Expense Claims, Payroll. Both share 5 features including Invoicing, Bank Connections, Financial Reports.

Feature
QuickBooks Online
Xero
Invoicing
โœ“
โœ“
Bank Connections
โœ“
โœ“
Financial Reports
โœ“
โœ“
Multi-currency
โœ“
โœ“
Mobile App
โœ“
โœ“
Expense Tracking
โœ“
โœ—
Tax Categories
โœ“
โœ—
Payroll (add-on)
โœ“
โœ—
Time Tracking
โœ“
โœ—
Inventory Management
โœ“
โœ—
Project Profitability
โœ“
โœ—
Receipt Capture
โœ“
โœ—
1099 Contractor Payments
โœ“
โœ—
Cash Flow Planner
โœ“
โœ—
750+ Integrations
โœ“
โœ—
Bank Reconciliation
โœ—
โœ“
Expense Claims
โœ—
โœ“
Payroll
โœ—
โœ“
Inventory
โœ—
โœ“
Purchase Orders
โœ—
โœ“
Project Tracking
โœ—
โœ“
Fixed Assets
โœ—
โœ“
Hubdoc (Receipt capture)
โœ—
โœ“
1000+ Integrations
โœ—
โœ“
Tax Filing
โœ—
โœ“
Total Features
15
15

๐Ÿ’ฐ Pricing Comparison

Xero starts at $25/mo, 29% cheaper than QuickBooks Online's $35/mo.

Q

QuickBooks Online Plans

Paid plans only

Simple StartBest Value
$35/mo
  • โ€ข 1 user
  • โ€ข Income & expenses
  • โ€ข Invoicing
Essentials
$65/mo
  • โ€ข 3 users
  • โ€ข Bill management
  • โ€ข Time tracking
Plus
$99/mo
  • โ€ข 5 users
  • โ€ข Inventory
  • โ€ข Project tracking
Advanced
$235/mo
  • โ€ข 25 users
  • โ€ข Custom reports
  • โ€ข Batch invoices
Full QuickBooks Online pricing breakdown โ†’
X

Xero Plans

Paid plans only

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