HomeQuickBooks Online vs Xero
Updated March 2026 · Independent Analysis

QuickBooks OnlinevsXero

Xero starts at $25/mo, 29% cheaper than QuickBooks Online's $35/mo. Both rated 4.2/5 by users.

Q
QuickBooks Online

The most popular small business accounting software in the US

4.2/5Founded 19837M+ customers users
Try QuickBooks Online Free →
X
Xero

Cloud-based accounting software for small businesses and accountants

4.3/5Founded 20064.2M+ subscribers users
Try Xero Free →

⚡ Quick Stats

Avg Rating
🏆 Xero wins
💰
Starting Price
🏆 Xero wins
🔧
Features
🏆 QuickBooks Online wins
🎁
Free Plan

📊 Ratings Breakdown

Q

QuickBooks Online

4.2/5 avg
G2 Score4/5
Capterra Score4.3/5
Overall Avg4.15/5
X

Xero

4.3/5 avg
G2 Score4.3/5
Capterra Score4.4/5
Overall Avg4.35/5

⚡ Quick Verdict

Independent analysis based on features, pricing, and user ratings

Choose QuickBooks Online if you need:
  • Expense Tracking
  • Tax Categories
  • Payroll (add-on)
  • Time Tracking
  • Inventory Management
Try QuickBooks Online Free →
Choose Xero if you need:
  • Bank Reconciliation
  • Expense Claims
  • Payroll
  • Inventory
  • Purchase Orders
Try Xero Free →

🔧 Feature Comparison

QuickBooks Online uniquely offers Expense Tracking, Tax Categories, Payroll (add-on). Xero uniquely offers Bank Reconciliation, Expense Claims, Payroll. Both share 5 features including Invoicing, Bank Connections, Financial Reports.

Feature
QuickBooks Online
Xero
Invoicing
Bank Connections
Financial Reports
Multi-currency
Mobile App
Expense Tracking
Tax Categories
Payroll (add-on)
Time Tracking
Inventory Management
Project Profitability
Receipt Capture
1099 Contractor Payments
Cash Flow Planner
750+ Integrations
Bank Reconciliation
Expense Claims
Payroll
Inventory
Purchase Orders
Project Tracking
Fixed Assets
Hubdoc (Receipt capture)
1000+ Integrations
Tax Filing
Total Features
15
15

💰 Pricing Comparison

Xero starts at $25/mo, 29% cheaper than QuickBooks Online's $35/mo.

Q

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
Full QuickBooks Online pricing breakdown →
X

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
Full Xero pricing breakdown →
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❓ Frequently Asked Questions

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