Updated March 2026 · Independent Analysis
XerovsQuickBooks Online
Xero starts at $25/mo, 29% cheaper than QuickBooks Online's $35/mo. Xero is rated higher at 4.3/5 vs QuickBooks Online's 4/5.
Xerovs QuickBooks Online
★ 4.3/5+0.3 vs QuickBooks Online
Only in Xero
- ✦ Bank Reconciliation
- ✦ Expense Claims
- ✦ Payroll
From $25/mo(cheaper)4.2M+ subscribers users · est. 2006
Try Xero Free →
QuickBooks Onlinevs Xero
★ 4.0/5-0.3 vs Xero
Only in QuickBooks Online
- ✦ Expense Tracking
- ✦ Tax Categories
- ✦ Payroll (add-on)
From $35/mo(pricier)7M+ customers users · est. 1983
Try QuickBooks Online Free →Ratings Breakdown
Xero
4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
G2 Rating4.3/5
QuickBooks Online
4.0/5 avg
G2 Score4/5
Capterra Score4.3/5
G2 Rating4/5
Quick Stats
Free Plan
Feature Comparison
Xero uniquely offers Bank Reconciliation, Expense Claims, Payroll. QuickBooks Online uniquely offers Expense Tracking, Tax Categories, Payroll (add-on). Both share 5 features including Invoicing, Financial Reports, Multi-currency.
Feature
Xero
QuickBooks Online
Invoicing
✓
✓
Financial Reports
✓
✓
Multi-currency
✓
✓
Mobile App
✓
✓
Bank Connections
✓
✓
Bank Reconciliation
✓
✗
Expense Claims
✓
✗
Payroll
✓
✗
Inventory
✓
✗
Purchase Orders
✓
✗
Project Tracking
✓
✗
Fixed Assets
✓
✗
Hubdoc (Receipt capture)
✓
✗
1000+ Integrations
✓
✗
Tax Filing
✓
✗
Expense Tracking
✗
✓
Tax Categories
✗
✓
Payroll (add-on)
✗
✓
Time Tracking
✗
✓
Inventory Management
✗
✓
Project Profitability
✗
✓
Receipt Capture
✗
✓
1099 Contractor Payments
✗
✓
Cash Flow Planner
✗
✓
750+ Integrations
✗
✓
Accounts Payable Management
✗
✓
Budgeting Tools
✗
✓
Customizable Invoices
✗
✓
Deposit Slip Tracking
✗
✓
Electronic Payment Options
✗
✓
Financial Statement Analysis
✗
✓
Forecasting Capabilities
✗
✓
Fund Transfer Options
✗
✓
General Ledger Management
✗
✓
Invoice Reminders
✗
✓
Job Costing Analysis
✗
✓
Liability Tracking
✗
✓
Loan Management System
✗
✓
Multi User Access
✗
✓
Online Bill Payment
✗
✓
Payment Reminders
✗
✓
Purchase Order Management
✗
✓
Reconciliation Tools
✗
✓
Recurring Invoices
✗
✓
Sales Tax Management
✗
✓
Transaction Matching
✗
✓
Vendor Management
✗
✓
Accounts Receivable
✗
✓
Audit Log Tracking
✗
✓
Billing Statements
✗
✓
Credit Memo Management
✗
✓
Customer Statements
✗
✓
Estimate Conversion
✗
✓
Total Features
15
43
Quick Verdict
Independent analysis based on features, pricing, and user ratings
Choose Xero if you need:
- ✓ Bank Reconciliation
- ✓ Expense Claims
- ✓ Payroll
- ✓ Inventory
- ✓ Purchase Orders
Choose QuickBooks Online if you need:
- ✓ Expense Tracking
- ✓ Tax Categories
- ✓ Payroll (add-on)
- ✓ Time Tracking
- ✓ Inventory Management
Pricing Comparison
Xero starts at $25/mo, 29% cheaper than QuickBooks Online's $35/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
QuickBooks Online Plans
Paid plans only
Simple StartBest Value
$35/mo- • 1 user
- • Income & expenses
- • Invoicing
Essentials
$65/mo- • 3 users
- • Bill management
- • Time tracking
Plus
$99/mo- • 5 users
- • Inventory
- • Project tracking
Advanced
$235/mo- • 25 users
- • Custom reports
- • Batch invoices
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