Bigcapital vs Xero

See how their public offers line up before you choose your own position. Prices stay in the currency, billing schedule, and charged unit each vendor publishes.

Bigcapital

See full pricing history

USD · US · source: bigcapital.app

Plan	Pricing	Charged by	Offer type
Capital Basic — Good for businesses just started, want to categorize bank transactions and financial reports.	USD 20 monthly · USD 15 / month with annual commitment $20 Per month	Flat · Per month	Standalone · Fixed
Capital Essential — Good for have inventory and want more advanced financial reports, multiple transactions currency. Highlighted	USD 40 monthly · USD 30 / month with annual commitment $40 Per month	Flat · Per month	Standalone · Fixed
Capital Plus — Good for business want financial and access control, budgeting and analysis tools.	USD 55 monthly · USD 41.25 / month with annual commitment $55 Per month	Flat · Per month	Standalone · Fixed
Capital Big — Good for scaling businesses want track transcations on multiple branches and stocks.	USD 60 monthly · USD 45 / month with annual commitment $60 Per month	Flat · Per month	Standalone · Fixed

Xero

See full pricing history

USD · US · source: www.xero.com

Plan	Pricing	Charged by	Offer type
Early — default	USD 25 monthly · USD 25 / month with annual commitment Then $25 per month	Flat · per month	Standalone · Fixed
Growing — default	USD 55 monthly · USD 55 / month with annual commitment Then $55 per month	Flat · per month	Standalone · Fixed
Established — default Highlighted	USD 90 monthly · USD 90 / month with annual commitment Then $90 per month	Flat · per month	Standalone · Fixed

What each plan includes

Feature names follow each vendor’s own pricing page, so verify the wording before treating them as exact equivalents.

Bigcapital

Capital Basic — Good for businesses just started, want to categorize bank transactions and financial reports.

Highlights Sale Invoices: Unlimited

Included
Highlights Sale Estimates: Unlimited

Included
Highlights Track GST and VAT: Included
Highlights Connect Banks for Automatic Importing: Included
Highlights Chart of Accounts: Included
Highlights Manual Journals: Included
Highlights Basic Financial Reports & Insights: Included
Highlights User Seats: Unlimited

Included

Capital Essential — Good for have inventory and want more advanced financial reports, multiple transactions currency.

Highlights All Capital Basic features: Included
Highlights Purchase Invoices: Included
Highlights Multi Currency Transactions: Included
Highlights Transactions Locking: Included
Highlights Inventory Tracking: Included
Highlights Smart Financial Reports: Included
Highlights Advanced Inventory Reports: Included

Capital Plus — Good for business want financial and access control, budgeting and analysis tools.

Highlights All Capital Essential features: Included
Highlights Custom User Roles: Included
Highlights Access Vendor Credits: Included
Highlights Budgeting: Included
Highlights Analysis: Included
Highlights Cost Center: Included

Capital Big — Good for scaling businesses want track transcations on multiple branches and stocks.

Highlights All Capital Plus features: Included
Highlights Multiple Branches: Included
Highlights Multiple Warehouses: Included

Xero

Early — default

Highlights Send quotes and 20 invoices†: Included
Highlights Accept online invoice payments^: Included
Highlights 5 bills: Included
Highlights Reconcile bank transactions: Included
Highlights Smart Document Capture: Included
Highlights View real-time reports: Included
Highlights W-9 + 1099 management: Included
Highlights Sales tax: Included
Highlights Visualize performance with basic graphs: Included
Highlights 30 day cash flow forecast: Included
Highlights Make online bill payments (Domestic - Free ACH): Included
Highlights Make online bill payments (Cross Border): Included

Growing — default

Highlights Everything in Early, plus:: Included
Highlights Send invoices and quotes: Included
Highlights Automate bill entry and track bills: Included
Highlights Auto-reconcile bank transactions: Included
Highlights Visualize performance with graphs: Included
Highlights 60 day cash flow forecast: Included
Highlights Customize performance dashboards: Included
Highlights Tailored financial health scorecards: Included

Established — default

Highlights Everything in Growing, plus:: Included
Highlights 180 day cash flow forecast: Included
Highlights Analyze KPIs and ratios: Included
Highlights Use multiple currencies: Included
Highlights Track time and costs for projects: Included
Highlights Employee expense and mileage claims: Included
Highlights Benchmark against the industry: Included
Highlights Make online bill payments (International): Included

How their prices changed

Each dated row shows the public prices observed when that vendor’s pricing page changed.

Bigcapital

August 27, 2026 Source
- Capital Basic — Good for businesses just started, want to categorize bank transactions and financial reports.: USD 20 monthly · USD 15 / month with annual commitment
- Capital Essential — Good for have inventory and want more advanced financial reports, multiple transactions currency.: USD 40 monthly · USD 30 / month with annual commitment
- Capital Plus — Good for business want financial and access control, budgeting and analysis tools.: USD 55 monthly · USD 41.25 / month with annual commitment
- Capital Big — Good for scaling businesses want track transcations on multiple branches and stocks.: USD 60 monthly · USD 45 / month with annual commitment

Xero

August 27, 2026 Source
- Early — default: USD 25 monthly · USD 25 / month with annual commitment
- Growing — default: USD 55 monthly · USD 55 / month with annual commitment
- Established — default: USD 90 monthly · USD 90 / month with annual commitment