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.
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 →
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 →Ratings Breakdown
Xero
4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
G2 Rating4.3/5
FreeAgent
4.2/5 avg
G2 Score4.2/5
Capterra Score4.4/5
G2 Rating4.2/5
Quick Stats
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
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
Choose FreeAgent if you need:
- ✓ Expense Tracking
- ✓ Time Tracking
- ✓ Bank Feeds
- ✓ Self-Assessment Tax
- ✓ VAT
Pricing Comparison
FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo.
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
FreeAgent Plans
Paid plans only
FreeAgentBest Value
$19/mo- • All features
- • Unlimited users
- • Unlimited invoices
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