Updated March 2026 · Independent Analysis
FreeAgentvsXero
FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo. Both rated 4.2/5 by users.
FreeAgentvs Xero
★ 4.2/5-0.1 vs Xero
Only in FreeAgent
- ✦ Expense Tracking
- ✦ Time Tracking
- ✦ Bank Feeds
From $19/mo(cheaper)150K+ users · est. 2007
Try FreeAgent Free →
Xerovs FreeAgent
★ 4.3/5+0.1 vs FreeAgent
Only in Xero
- ✦ Bank Reconciliation
- ✦ Expense Claims
- ✦ Financial Reports
From $25/mo(pricier)4.2M+ subscribers users · est. 2006
Try Xero Free →Ratings Breakdown
FreeAgent
4.2/5 avg
G2 Score4.2/5
Capterra Score4.4/5
G2 Rating4.2/5
Xero
4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
G2 Rating4.3/5
Quick Stats
Feature Comparison
FreeAgent uniquely offers Expense Tracking, Time Tracking, Bank Feeds. Xero uniquely offers Bank Reconciliation, Expense Claims, Financial Reports. Both share 4 features including Invoicing, Multi-currency, Payroll.
Feature
FreeAgent
Xero
Invoicing
✓
✓
Multi-currency
✓
✓
Payroll
✓
✓
Mobile App
✓
✓
Expense Tracking
✓
✗
Time Tracking
✓
✗
Bank Feeds
✓
✗
Self-Assessment Tax
✓
✗
VAT
✓
✗
Project Management
✓
✗
Estimates
✓
✗
Reports
✓
✗
Accountant Access
✓
✗
Receipt Capture
✓
✗
Direct Bank Connections
✓
✗
Bank Reconciliation
✗
✓
Expense Claims
✗
✓
Financial Reports
✗
✓
Inventory
✗
✓
Purchase Orders
✗
✓
Project Tracking
✗
✓
Fixed Assets
✗
✓
Hubdoc (Receipt capture)
✗
✓
1000+ Integrations
✗
✓
Bank Connections
✗
✓
Tax Filing
✗
✓
Total Features
15
15
Quick Verdict
Independent analysis based on features, pricing, and user ratings
Choose FreeAgent if you need:
- ✓ Expense Tracking
- ✓ Time Tracking
- ✓ Bank Feeds
- ✓ Self-Assessment Tax
- ✓ VAT
Choose Xero if you need:
- ✓ Bank Reconciliation
- ✓ Expense Claims
- ✓ Financial Reports
- ✓ Inventory
- ✓ Purchase Orders
Pricing Comparison
FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo.
FreeAgent Plans
Paid plans only
FreeAgentBest Value
$19/mo- • All features
- • Unlimited users
- • Unlimited invoices
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
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