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Accounting

Sage Accounting vs Xero: Pricing Comparison 2026

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

Bottom line: Sage Accounting starts at Custom pricing and Xero starts at $5/mo. Compare all 7 pricing tiers side by side.

Last updated: July 20, 2026

Data compiled by Arthur Jacquemin
Updated July 20, 2026
Try Sage Accounting freeTry Xero freeUpdated this monthPrice updated 3d ago

Sage Accounting vs Xero: Quick Pricing Facts

FeatureSage AccountingXero
Starting PriceCustom pricing$5/mo
Number of Plans43
Free TierNoNo
Pricing Modelflatper-seat
Annual DiscountN/AN/A

Sage Accounting and Xero are both priced at Custom pricing, making them equally accessible Accounting tools. Together they offer 7 pricing plans with 46 features compared, so the best choice comes down to which features match your needs.

Sage Accounting uses flat pricing while Xero uses per-seat pricing, which may affect your total cost at scale.

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
Sage Accounting
Sage Accounting
Try free
Xero
Tier 1
Start
Custom pricing
Start with Start
Established
$18/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
  • 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
Standard
Custom pricing
Start with Standard
Growing
$11/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 (Domestic - Free ACH)
  • IncludedMake online bill payments (Cross Border)
  • IncludedCustomize performance dashboards
  • IncludedTailored financial health scorecards
Start with Growing
Tier 3
Plus
Custom pricing
Start with Plus
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
Just looking for payroll?
Custom pricing
Start with Just looking for payroll?
-

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Sage Accounting

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Xero

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

View all Xero plans

Frequently Asked Questions: Sage Accounting vs Xero

How many pricing plans does Sage Accounting have vs Xero?
Sage Accounting offers 4 pricing plans, while Xero offers 3 plans. More plans typically means more flexibility to match your exact needs and budget.
Does Sage Accounting or Xero offer custom enterprise pricing?
Sage Accounting offers a custom-priced enterprise tier for larger teams. Xero lists all its pricing publicly.
What pricing models do Sage Accounting and Xero use?
Sage Accounting uses a flat pricing model, while Xero uses per-seat pricing. The right model depends on your team size and usage patterns.
How do Sage Accounting and Xero compare for Accounting?
Both Sage Accounting and Xero are Accounting tools. Sage Accounting offers 4 plans starting at Custom pricing, 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. Sage Accounting Official Pricing- Vendor pricing page
  2. Xero Official Pricing- Vendor pricing page

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