Updated March 2026 · Independent Analysis
XerovsHarvest
Harvest starts at $10.8/mo, 57% cheaper than Xero's $25/mo. Both rated 4.3/5 by users.
Xerovs Harvest
★ 4.3/5
Only in Xero
- ✦ Bank Reconciliation
- ✦ Expense Claims
- ✦ Financial Reports
From $25/mo(pricier)4.2M+ subscribers users · est. 2006
Try Xero Free →
Harvestvs Xero
★ 4.3/5
Only in Harvest
- ✦ Time Tracking
- ✦ Expense Tracking
- ✦ Project Budgets
✓ Free planFrom $10.8/mo(cheaper)80K+ companies users · est. 2006
Try Harvest Free →Ratings Breakdown
Xero
4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
G2 Rating4.3/5
Harvest
4.3/5 avg
G2 Score4.3/5
Capterra Score4.6/5
G2 Rating4.3/5
Quick Stats
Feature Comparison
Xero uniquely offers Bank Reconciliation, Expense Claims, Financial Reports. Harvest uniquely offers Time Tracking, Expense Tracking, Project Budgets. Both share 2 features including Invoicing, Mobile App.
Feature
Xero
Harvest
Invoicing
✓
✓
Mobile App
✓
✓
Bank Reconciliation
✓
✗
Expense Claims
✓
✗
Financial Reports
✓
✗
Payroll
✓
✗
Inventory
✓
✗
Purchase Orders
✓
✗
Multi-currency
✓
✗
Project Tracking
✓
✗
Fixed Assets
✓
✗
Hubdoc (Receipt capture)
✓
✗
1000+ Integrations
✓
✗
Bank Connections
✓
✗
Tax Filing
✓
✗
Time Tracking
✗
✓
Expense Tracking
✗
✓
Project Budgets
✗
✓
Team Scheduling
✗
✓
Reporting
✗
✓
Timesheets
✗
✓
Approval Workflows
✗
✓
Online Payments
✗
✓
Integrations
✗
✓
Browser Extension
✗
✓
Desktop App
✗
✓
API
✗
✓
Forecasting (Forecast add-on)
✗
✓
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
- ✓ Payroll
- ✓ Inventory
Choose Harvest if you need:
- ✓ Time Tracking
- ✓ Expense Tracking
- ✓ Project Budgets
- ✓ Team Scheduling
- ✓ Reporting
Pricing Comparison
Harvest starts at $10.8/mo, 57% 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
Harvest Plans
Free tier available
Free
Free- • 1 seat
- • 2 projects
ProBest Value
$10.8/seat/mo- • Unlimited projects
- • Unlimited clients
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