Patriot Software vs Xero
- ✦ Accounting
- ✦ Expense Tracking
- ✦ Bank Imports
- ✦ Bank Reconciliation
- ✦ Expense Claims
- ✦ Inventory
Patriot Software and Xero are both Accounting tools. Patriot Software starts at $6/mo, Xero at $25/mo. Compare features, pricing, and ratings below to find the best fit for your team.
When to Choose Patriot Software vs Xero
The question that matters: “In what situation will I regret choosing A over B after 3 months?”
Teams with remote staff across multiple states use Patriot's Direct Deposit feature to eliminate check printing and manual distribution delays. The setup process captures employee.
Small manufacturers and service contractors use Payroll Tax Filing to submit quarterly 941s and state unemployment returns directly from Patriot, bypassing the 2-3 week.
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 28, 2026
Patriot Software Plans
Paid plans only
Time And Attendance (Add-on)
$6/mo (+ $2/employee)- ✓Time and attendance management
HR Software (Add-on)
$6/mo (+ $2/employee)- ✓HR functions
- ✓Handbook creation
- ✓Policy creation
Basic Payroll
$17/mo (+ $4/worker)Best for: $17/mo + $4/worker
- ✓Run payroll
- ✓Handle own taxes
- ✓Free direct deposit
- ✓Free employee portal
- ✓Unlimited payrolls
Accounting Basic
$20/moBest for: $20/mo covers unlimited invoicing, bank imports, expense tracking, and financial reporting
- ✓Manage unlimited invoices
- ✓Manage unlimited contractors
- ✓Manage unlimited customers
- ✓Automate bank imports
- ✓Track expenses
Accounting Premium
$30/moBest for: $30/mo adds estimates, recurring invoices, user-based permissions, receipt management, and subaccounts
- ✓All Basic features
- ✓Set user-based permissions
- ✓Get invoice alerts and reminders
- ✓Manage documents
- ✓Create and send estimates
Full-Service Payroll
$37/mo (+ $5/worker)- ✓All Basic Payroll features
- ✓Federal tax filings & deposits
- ✓State tax filings & deposits
- ✓Local tax filings & deposits
- ✓Year-end payroll tax filings
Bookkeeping Service (Add-on)
$100/mo- ✓Patriot experts manage books end-to-end
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
- •Accounting
- •Payroll
- •Invoicing
- •Expense Tracking
- •Bank Imports
- •Financial Reports
- •Payroll Tax Filing
- •Direct Deposit
- •1099 Filing
- •Time & Attendance
- •HR Software
- •Employee Portal
- •Multi-state Payroll
- •W-2 Filing
- •US-focused Compliance
- •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
- +Dual-entry accounting and cash-basis reporting in one system
- +Full-service payroll includes year-end W-2/W-3 filing
- +No per-state fees for multi-state payroll processing
- +Free US-based expert support via phone, chat, or email
- +Transparent, low-cost pricing with no hidden setup fees
- −No mobile app for on-the-go accounting or payroll management
- −Limited third-party integrations beyond QuickBooks and Plaid
- −Does not support contractor-only payroll (requires at least one W-2 employee)
- −Lacks advanced features like inventory tracking or project costing
- −No international payroll or multi-currency support
- +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
Patriot Software added a new "Bookkeeping Service (Add-on)" plan at $100/mo
Plan added · May 28, 2026
Patriot Software added a new "HR Software (Add-on)" plan at $6/mo
Plan added · May 28, 2026
Patriot Software removed the "Full Service Payroll" plan
Plan removed · May 28, 2026
Patriot Software added a new "Full-Service Payroll" plan at $37/mo
Plan added · May 28, 2026
Patriot Software added a new "Time And Attendance (Add-on)" plan at $6/mo
Plan added · May 28, 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
Frequently Asked Questions
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