Clear Books 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.

Clear Books

See full pricing history

GBP · US · source: www.clearbooks.co.uk

Plan	Pricing	Charged by	Offer type
Sole Trader Free	Free Free forever	Flat · per month	Standalone · Free
Sole Trader	GBP 5 monthly £5/month plus VAT	Flat · per month	Standalone · Fixed
Sole Trader Plus	GBP 15 monthly £15/month plus VAT	Flat · per month	Standalone · Fixed
Property Free	Free Free forever	Flat · per month	Standalone · Free
Property	GBP 5 monthly £5/month plus VAT	Flat · per month	Standalone · Fixed
Foreign Property Free	Free Free forever	Flat · per month	Standalone · Free
Foreign Property	GBP 5 monthly £5/month plus VAT	Flat · per month	Standalone · Fixed
Small	GBP 16 monthly · GBP 14.4 / month with annual commitment £16 monthly or £14.40/month billed yearly	Flat · per month	Standalone · Fixed
Medium Highlighted	GBP 34 monthly · GBP 30.6 / month with annual commitment £34 monthly or £30.60/month billed yearly	Flat · per month	Standalone · Fixed
Large	GBP 44 monthly · GBP 39.6 / month with annual commitment £44 monthly or £39.60/month billed yearly	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.

Clear Books

Sole Trader Free

Plan card MTD Income Tax updates: Included
Plan card Income and expense records: Included
Plan card Basic reports: Included

Sole Trader

Plan card Bank feeds: Included
Plan card Invoice creation: Included
Plan card Unlimited users: Included

Sole Trader Plus

Plan card MTD VAT reporting: Included
Plan card Flat-rate VAT: Included
Plan card Phone support: Included

Property Free

Plan card One property: Included
Plan card MTD filings: Included
Plan card No transaction limits: Included

Property

Plan card Multiple properties: Included
Plan card Bank feeds: Included
Plan card Business reporting: Included

Foreign Property Free

Plan card One overseas property: Included
Plan card MTD filings: Included
Plan card Income and expense records: Included

Foreign Property

Plan card Multiple overseas properties: Included
Plan card Bank feeds: Included
Plan card Unlimited users: Included

Small

Plan card Sales and purchases: Included
Plan card Full reporting: Included
Plan card Integrations and API: Included

Medium

Plan card MTD VAT submissions: Included
Plan card Purchase orders: Included
Plan card CIS reporting: Included

Large

Plan card Project accounting: Included
Plan card Multi-currency: Included
Plan card Fixed assets: 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.

Clear Books

August 27, 2026
Official pricing page
- Sole Trader Free: Free
- Sole Trader: GBP 5 monthly
- Sole Trader Plus: GBP 15 monthly
- Property Free: Free
- Property: GBP 5 monthly
- Foreign Property Free: Free
- Foreign Property: GBP 5 monthly
- Small: GBP 16 monthly · GBP 14.4 / month with annual commitment
- Medium: GBP 34 monthly · GBP 30.6 / month with annual commitment
- Large: GBP 44 monthly · GBP 39.6 / 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