Harvest vs Xero
Harvest and Xero are both Accounting tools. Harvest starts at $13.75/mo, Xero at $25/mo. Compare features, pricing, and ratings below to find the best fit for your team.
When to Choose Harvest vs Xero
The question that matters: “In what situation will I regret choosing A over B after 3 months?”
Project Budgets flag entries that would exceed allocated hours and route them through Approval Workflows, cutting month-end cost surprises by up to 70%.
Custom Reporting stacks Time Tracking hours and Expense Tracking costs by client or team, surfacing margin imbalances before the next contract renewal.
Bank Reconciliation syncs connected bank feeds hourly, surfacing uncleared transactions automatically and compressing month-end from a full day to 90 minutes.
Multi-currency Expense Claims auto-convert local receipts at submission date, creating an audit trail for labor compliance and consolidated P&L reporting.
Xero's Purchase Orders feature links to Invoicing, auto-matching incoming bills to open POs and flagging quantity or price mismatches before payment clears.
Pricing Comparison & PlansHigh· Verified May 30, 2026
Harvest Plans
Free tier available
Free
FreeBest for: Ideal for individuals managing up to two projects
- ✓Basic time tracking
- ✓Basic reporting
- ✓Basic invoicing
Teams
$14/user/moBest for: growing teams needing unlimited projects and users
- ✓Unlimited users
- ✓Unlimited projects
- ✓Invoicing
- ✓Team reporting
- ✓Accounting integrations
Enterprise
Contact SalesBest for: Designed for large organizations requiring tailored solutions and dedicated support
- ✓Advanced administrative controls
- ✓Profitability reporting
- ✓Timesheet approvals
- ✓Activity logs
- ✓Custom reports
Xero Plans
Paid plans only
Early
$25/moBest for: Ideal for new or small businesses needing basic accounting features
- ✓Maximum 20 invoices/5 bills monthly
- ✓Unlimited users
- ✓Bank reconciliation
- ✓Hubdoc document capture
- ✓30-day cash flow forecasting
Growing
$55/moBest for: expanding businesses requiring unlimited invoicing and bill management
- ✓Unlimited invoices/bills
- ✓Auto-reconciliation (Beta)
- ✓Customizable dashboards
- ✓Unlimited users
- ✓Multi-currency
Established
$90/moBest for: Suited for larger businesses needing advanced features like multi-currency support and project tracking
- ✓Everything in Growing
- ✓Project tracking
- ✓Expense claims
- ✓180-day cash flow forecasting
- ✓KPI analysis
Capability Breakdown
6 differences found across 16 standardized features
- •Time Tracking
- •Invoicing
- •Expense Tracking
- •Project Budgets
- •Team Scheduling
- •Reporting
- •Timesheets
- •Approval Workflows
- •Online Payments
- •Integrations
- •Browser Extension
- •Desktop App
- •Mobile App
- •API
- •Forecasting (Forecast add-on)
- •Invoicing
- •Bank Reconciliation
- •Expense Claims
- •Financial Reports
- •Payroll
- •Inventory
- •Purchase Orders
- •Multi-currency
- •Project Tracking
- •Fixed Assets
- •Hubdoc (Receipt capture)
- •1000+ Integrations
- •Mobile App
- •Bank Connections
- •Tax Filing
Strengths & Limitations
Evaluative strengths and weaknesses: not feature lists
- +Seamless integration with its sister tool, Harvest Forecast, for project planning
- +Robust browser extensions and desktop apps for easy time entry
- +Detailed, customizable visual reports on time, budget, and team capacity
- +Direct invoicing from tracked time and expenses, with online payment options
- +Simple, intuitive interface focused purely on time tracking and invoicing
- −Lacks advanced accounting features like ledger or accounts payable
- −No built-in project management or task dependency features
- −Free plan is very limited: only 1 seat and 2 active projects
- −Expense tracking is basic; no receipt scanning or complex approval workflows
- −Per-seat pricing can become expensive for larger teams with infrequent users
- +Unlimited users on all plans, fostering team collaboration
- +Extensive app marketplace with over 1,000 third-party integrations
- +Strong mobile app for on-the-go invoicing and expense tracking
- +Advanced inventory management included in higher-tier plans
- +Clean, intuitive interface praised for its ease of use
- −Entry-level 'Early' plan has strict limits on invoices (20) and bills (5)
- −No built-in payroll in the US; requires Gusto integration at extra cost
- −Customer support is primarily email/ticket-based with no direct phone line
- −Lacks industry-specific features for construction or manufacturing
- −Project tracking and management features are less robust than competitors
At a Glance
Recent Price History
Harvest added a new "Enterprise" plan (Custom pricing)
Plan added · May 30, 2026
Harvest added a new "Teams" plan at $13.75/user/mo
Plan added · May 30, 2026
Harvest removed the "Pro" plan
Plan removed · May 30, 2026
Xero added a new "Established" plan at $90/mo
Plan added · May 28, 2026
Xero removed the "Ultimate" plan
Plan removed · May 28, 2026
Xero added a new "Early" plan at $25/mo
Plan added · May 28, 2026
Xero removed the "Ignite" plan
Plan removed · May 28, 2026
Xero removed the "Grow" plan
Plan removed · May 28, 2026
Harvest raised "Pro" from $10.8 to $12/mo (11%)
Price change · May 21, 2026
Frequently Asked Questions
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Sources & Data Trail · Harvest
- 1.Official Pricing Page·Source of verified tiers(Checked: 2026-05-30)
- 2.Official Website·Official vendor website
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Sources & Data Trail · Xero
- 1.Official Pricing Page·Source of verified tiers(Checked: 2026-05-28)
- 2.Official Website·Official vendor website
- 3.G2·G2 verified reviews · 4.3/5 · 1,599 reviews
- 4.Capterra·Capterra verified reviews · 4.4/5
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