HomeFreeAgent vs Xero
Updated March 2026 · Independent Analysis

FreeAgentvsXero

FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo. Both rated 4.3/5 by users.

F
FreeAgent

Accounting software designed for freelancers, contractors, and small businesses

4.3/5Founded 2007150K+ users users
Try FreeAgent 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
Xero4.3/5
🏆 FreeAgent wins
💰
Starting Price
FreeAgent$19/mo
Xero$25/mo
🏆 FreeAgent wins
🔧
Features
🏆 FreeAgent wins
🎁
Free Plan

📊 Ratings Breakdown

F

FreeAgent

4.3/5 avg
G2 Score4.2/5
Capterra Score4.4/5
Overall Avg4.300000000000001/5
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 FreeAgent if you need:
  • Expense Tracking
  • Time Tracking
  • Bank Feeds
  • Self-Assessment Tax
  • VAT
Try FreeAgent Free →
Choose Xero if you need:
  • Bank Reconciliation
  • Expense Claims
  • Financial Reports
  • Inventory
  • Purchase Orders
Try Xero Free →

🔧 Feature Comparison

FreeAgent uniquely offers Expense Tracking, Time Tracking, Bank Feeds. Xero uniquely offers Bank Reconciliation, Expense Claims, Financial Reports. Both share 4 features including Invoicing, Multi-currency, Payroll.

Feature
FreeAgent
Xero
Invoicing
Multi-currency
Payroll
Mobile App
Expense Tracking
Time Tracking
Bank Feeds
Self-Assessment Tax
VAT
Project Management
Estimates
Reports
Accountant Access
Receipt Capture
Direct Bank Connections
Bank Reconciliation
Expense Claims
Financial Reports
Inventory
Purchase Orders
Project Tracking
Fixed Assets
Hubdoc (Receipt capture)
1000+ Integrations
Bank Connections
Tax Filing
Total Features
15
15

💰 Pricing Comparison

FreeAgent starts at $19/mo, 24% cheaper than Xero's $25/mo.

F

FreeAgent Plans

Paid plans only

FreeAgentBest Value
$19/mo
  • All features
  • Unlimited users
  • Unlimited invoices
Full FreeAgent 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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