Digits 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.

Digits

See full pricing history

USD · US · source: digits.com

Plan	Pricing	Charged by	Offer type
Essentials	USD 65 monthly $65 /mo	Flat	Standalone · Fixed
Core Highlighted	USD 100 monthly $100 /mo	Flat	Standalone · Fixed
Pro	USD 250 monthly $250 /mo	Flat	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.

Digits

Essentials

Highlights Core Accounting: Included
Highlights Ledger: Included
Highlights 24/7 AI Bookkeeping & Reconciliation: Included
Highlights Bank & Payroll Connections: Included
Highlights Category Manager: Included
Highlights Financials: Included
Highlights Checklist: Included
Highlights Home Dashboard: Included
Highlights Collaboration: Included
Highlights Vault: Included
Highlights Digits Mobile: Included
Highlights Vendor & Customer Tracking: Included
Highlights Developer API & MCP: Included
Highlights Quality Checks: Included
Highlights Advanced Quality Checks: Included
Highlights Bill Pay: Included
Highlights Invoicing: Included
Highlights Roles & Permissions: Included
Highlights Dimensional Accounting: Excluded
Highlights Automated Schedules: Excluded
Highlights Custom Reports: Firm partners

Limited
Highlights Custom Dashboards: Firm partners

Limited
Highlights Budget vs. Actuals: Excluded

Core

Highlights Core Accounting: Included
Highlights Ledger: Included
Highlights 24/7 AI Bookkeeping & Reconciliation: Included
Highlights Bank & Payroll Connections: Included
Highlights Category Manager: Included
Highlights Financials: Included
Highlights Checklist: Included
Highlights Home Dashboard: Included
Highlights Collaboration: Included
Highlights Vault: Included
Highlights Digits Mobile: Included
Highlights Vendor & Customer Tracking: Included
Highlights Developer API & MCP: Included
Highlights Quality Checks: Included
Highlights Advanced Quality Checks: Included
Highlights Bill Pay: Included
Highlights Invoicing: Included
Highlights Roles & Permissions: Included
Highlights Dimensional Accounting: Included
Highlights Automated Schedules: Included
Highlights Custom Reports: Firm partners

Limited
Highlights Custom Dashboards: Firm partners

Limited
Highlights Budget vs. Actuals: Excluded

Pro

Highlights Core Accounting: Included
Highlights Ledger: Included
Highlights 24/7 AI Bookkeeping & Reconciliation: Included
Highlights Bank & Payroll Connections: Included
Highlights Category Manager: Included
Highlights Financials: Included
Highlights Checklist: Included
Highlights Home Dashboard: Included
Highlights Collaboration: Included
Highlights Vault: Included
Highlights Digits Mobile: Included
Highlights Vendor & Customer Tracking: Included
Highlights Developer API & MCP: Included
Highlights Quality Checks: Included
Highlights Advanced Quality Checks: Included
Highlights Bill Pay: Included
Highlights Invoicing: Included
Highlights Roles & Permissions: Included
Highlights Dimensional Accounting: Included
Highlights Automated Schedules: Included
Highlights Custom Reports: Included
Highlights Custom Dashboards: Included
Highlights Budget vs. Actuals: 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.

Digits

September 21, 2026
Official pricing page
- Essentials: USD 65 monthly
- Core: USD 100 monthly
- Pro: USD 250 monthly
August 27, 2026
Official pricing page
- Essentials — Solopreneurs and early-stage businesses: USD 65 monthly · USD 65 / month with annual commitment
- Core — Small businesses and growing companies: USD 100 monthly · USD 100 / 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