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Accounting

FreshBooks vs Xero: Pricing Comparison 2026

Side-by-side pricing comparison of FreshBooks and Xero. See all plans, features, and costs at a glance.

Bottom line: FreshBooks starts at $2.3/mo, making it $3/mo cheaper than Xero ($5/mo). Neither offers a free plan.

Last updated: July 6, 2026

Data compiled by Arthur Jacquemin
Updated July 6, 2026
Try FreshBooks freeTry Xero freePrice updated 11d agoPrice updated 11d ago
Best Value

FreshBooks - FreshBooks starts at $2.7/mo lower ($2.3/mo vs $5/mo), offers 4 tiers vs 3.

FreshBooks vs Xero: Quick Pricing Facts

FeatureFreshBooksXero
Starting Price$2.3/mo$5/mo
Number of Plans43
Free TierNoNo
Pricing Modelper-seatper-seat
Annual DiscountN/AN/A

FreshBooks is the more affordable option, starting at $2.3/mo compared to Xero's $5/mo. Both are Accounting tools with 7 combined pricing plans and 46 features compared.

Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your Accounting needs.

Pricing Plans
FreshBooks
FreshBooks
Try free
Xero
Tier 1
Lite ($2.30)
$2/monthCheapest
Start with Lite ($2.30)
Established
$18/month
Includes
  • IncludedSend invoices and quotes
  • IncludedAccept online invoice payments^
  • IncludedAutomate bill entry and track bills
  • IncludedAuto-reconcile bank transactions (Beta)
  • IncludedSmart Document Capture
  • IncludedView real-time reports
  • IncludedW-9 + 1099 management
  • IncludedSales tax
  • IncludedVisualize performance with graphs
  • Included180 day cash flow forecast
  • IncludedMake online bill payments (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
  • IncludedCustomize performance dashboards
  • IncludedTailored financial health scorecards
  • IncludedAnalyze KPIs and ratios
  • IncludedUse multiple currencies
  • IncludedTrack time and costs for projects
  • IncludedEmployee expense and mileage claims
  • IncludedBenchmark against the industry
  • IncludedMake online bill payments (International)
Start with Established
Tier 2
Plus ($4.30)
$4/monthCheapest
Start with Plus ($4.30)
Growing
$11/month
Includes
  • IncludedSend invoices and quotes
  • IncludedAccept online invoice payments^
  • IncludedAutomate bill entry and track bills
  • IncludedAuto-reconcile bank transactions (Beta)
  • IncludedSmart Document Capture
  • IncludedView real-time reports
  • IncludedW-9 + 1099 management
  • IncludedSales tax
  • IncludedVisualize performance with graphs
  • Included60 day cash flow forecast
  • IncludedMake online bill payments (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
  • IncludedCustomize performance dashboards
  • IncludedTailored financial health scorecards
Start with Growing
Tier 3
Premium ($7.00)
$7/month
Start with Premium ($7.00)
Early
$5/monthCheapest
Includes
  • IncludedSend quotes and 20 invoices†
  • IncludedAccept online invoice payments^
  • Included5 bills
  • IncludedReconcile bank transactions
  • IncludedSmart Document Capture
  • IncludedView real-time reports
  • IncludedW-9 + 1099 management
  • IncludedSales tax
  • IncludedVisualize performance with basic graphs
  • Included30 day cash flow forecast
  • IncludedMake online bill payments (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
Start with Early
Tier 4
Select
Custom pricing
Start with Select
-

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FreshBooks

Invoicing and accounting software tailored for freelancers and service-based small businesses

View all FreshBooks plans

Xero

Cloud-based accounting platform with unlimited users on every plan, designed for small businesses and accountants

View all Xero plans

Frequently Asked Questions: FreshBooks vs Xero

Which is cheaper, FreshBooks or Xero?
As of July 2026, FreshBooks starts at a lower price point. FreshBooks starts at $2.3/mo while Xero starts at $5/mo. However, the best value depends on the features you need at each tier.
How many pricing plans does FreshBooks have vs Xero?
FreshBooks offers 4 pricing plans, while Xero offers 3 plans. More plans typically means more flexibility to match your exact needs and budget.
Does FreshBooks or Xero offer custom enterprise pricing?
FreshBooks offers a custom-priced enterprise tier for larger teams. Xero lists all its pricing publicly.
How do FreshBooks and Xero compare for Accounting?
Both FreshBooks and Xero are Accounting tools. FreshBooks offers 4 plans starting at $2.3/mo, while Xero offers 3 plans starting at $5/mo. Review the feature breakdowns above to see which better fits your Accounting needs.
AI Recommendations

Sources

  1. FreshBooks Official Pricing- Vendor pricing page
  2. Xero Official Pricing- Vendor pricing page

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