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	USD 25 monthly $2.50 per month for the first 6 months Then $25 per month	Flat · per month	Standalone · Fixed
Growing	USD 55 monthly $5.50 per month for the first 6 months Then $55 per month	Flat · per month	Standalone · Fixed
Established Highlighted	USD 90 monthly $9 per month for the first 6 months 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

Features Send quotes and invoices: Send quotes and 20 invoices

Limited
Features Accept online invoice payments: Included
Features Bills: 5 bills

Limited
Features Reconcile bank transactions: Included
Features Smart Document Capture: Included
Features View real-time reports: Included
Features W-9 + 1099 management: Included
Features Sales tax: Included
Features Visualize performance with graphs: Basic

Limited
Features Forecast cash flow: 30 day forecast

Limited
Features Make online bill payments (Domestic): Free ACH

Included
Features Make online bill payments (Cross Border): Optional

Limited
Features Budgets: 3 budgets

Limited

Growing

Features Send invoices and quotes: Included
Features Accept online invoice payments: Included
Features Automate bill entry and track bills: Included
Features Auto-reconcile bank transactions: Included
Features Smart Document Capture: Included
Features View real-time reports: Included
Features W-9 + 1099 management: Included
Features Sales tax: Included
Features Visualize performance with graphs: Included
Features Forecast cash flow: 60 day forecast

Included
Features Make online bill payments (Domestic): Free ACH

Included
Features Make online bill payments (Cross Border): Optional

Limited
Features Customize performance dashboards: Included
Features Tailored financial health scorecards: Included
Features Budget with smart suggestions: Included

Established

Features Send invoices and quotes: Included
Features Accept online invoice payments: Included
Features Automate bill entry and track bills: Included
Features Auto-reconcile bank transactions: Included
Features Smart Document Capture: Included
Features View real-time reports: Included
Features W-9 + 1099 management: Included
Features Sales tax: Included
Features Visualize performance with graphs: Included
Features Forecast cash flow: 180 day forecast

Included
Features Make online bill payments (Domestic): Free ACH

Included
Features Make online bill payments (Cross Border): Optional

Limited
Features Customize performance dashboards: Included
Features Tailored financial health scorecards: Included
Features Analyze KPIs and ratios: Included
Features Budget with smart suggestions: Included
Features Use multiple currencies: Included
Features Track time and costs for projects: Included
Features Employee expense and mileage claims: Included
Features Benchmark against the industry: Included
Features Make online bill payments (International): Included

How their prices changed

Each date shows when a public price was observed, not when it took effect. An archived region or currency can differ, so a currency change is not necessarily a price increase.

Bigcapital

August 27, 2026
Official pricing page
- 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

September 21, 2026
Official pricing page
- Early: USD 25 monthly
- Growing: USD 55 monthly
- Established: USD 90 monthly
August 27, 2026
Official pricing page
- 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