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Accounting

Pennylane vs Xero: Pricing Comparison 2026

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

Bottom line: Xero starts at $2.5/mo, making it $5/mo cheaper than Pennylane ($7/mo). Pennylane offers a free plan.

Last updated: July 2, 2026

Data compiled by Arthur Jacquemin
Updated July 2, 2026
Try Pennylane freeTry Xero freePrice updated todayPrice updated today
Best Value

Pennylane - Pennylane offers a free plan, offers 5 tiers vs 3.

Pennylane vs Xero: Quick Pricing Facts

FeaturePennylaneXero
Starting Price$7/mo$2.5/mo
Number of Plans53
Free TierYesNo
Pricing Modelper-seatper-seat
Annual DiscountN/AN/A

Xero is the more affordable option, starting at $2.5/mo compared to Pennylane's $7/mo. Both are Accounting tools with 8 combined pricing plans and 60 features compared.

Pennylane stands out with a free plan for getting started.

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
Pennylane
Pennylane
Try free
Xero
Tier 1
Free
$0/monthCheapest
Includes
  • Micro-enterprises only
  • E-invoicing compliant
  • Mobile app
Start with Free
Established
$9/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†† (Free ACH)
  • 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
Start with Established
Tier 2
Starter
$7/month
Includes
  • 1 user
  • Pro account with cards
  • Invoice creation and reception
  • Bank sync
Start with Starter
Growing
$6/monthCheapest
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†† (Free ACH)
  • IncludedCustomize performance dashboards
  • IncludedTailored financial health scorecards
Start with Growing
Tier 3
Basique
$14/month
Includes
  • Advance and partial invoices
  • Commercial documents
  • Supplier management
Start with Basique
Early
$3/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†† (Free ACH)
Start with Early
Tier 4
EssentielPopular
$24/monthCheapest
Includes
  • Automated follow-ups
  • Recurring invoices
  • Cash flow forecasting
  • API
Start with Essentiel
-
Tier 5
Premium
$79/monthCheapest
Includes
  • Accounting module
  • Validation workflows
  • Tax declarations (EDI)
  • Annual closing
Start with Premium
-

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Pennylane

All-in-one financial management and accounting platform for French companies

View all Pennylane 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: Pennylane vs Xero

Which is cheaper, Pennylane or Xero?
As of July 2026, Xero starts at a lower price point. Pennylane starts at $7/mo while Xero starts at $2.5/mo. However, the best value depends on the features you need at each tier.
How many pricing plans does Pennylane have vs Xero?
Pennylane offers 5 pricing plans, while Xero offers 3 plans. More plans typically means more flexibility to match your exact needs and budget.
Does Pennylane or Xero offer a free plan?
Pennylane offers a free plan, while Xero does not. If budget is a concern, Pennylane lets you get started at no cost.
What is the most popular Pennylane plan?
The Essentiel plan is Pennylane's most popular tier, priced at $24/mo. Key features include Automated follow-ups, Recurring invoices, Cash flow forecasting.
How do Pennylane and Xero compare for Accounting?
Both Pennylane and Xero are Accounting tools. Pennylane offers 5 plans starting at $7/mo, while Xero offers 3 plans starting at $2.5/mo. Review the feature breakdowns above to see which better fits your Accounting needs.
AI Recommendations

Sources

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

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