FreshBooks 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.

FreshBooks

See full pricing history

USD · US · source: www.freshbooks.com

Plan	Pricing	Charged by	Offer type
Lite Highlighted	USD 23 monthly $1.00 USD/mo for one year Was $23.00 \| Save $22.00 $23.00 USD/mo	Flat · USD/mo	Standalone · Fixed
Plus	USD 43 monthly $8.60 USD/mo 80% Off for 3 Months Was $43.00 \| Save $103.20 $43.00 USD/mo	Flat · USD/mo	Standalone · Fixed
Premium	USD 70 monthly $14.00 USD/mo 80% Off for 3 Months Was $70.00 \| Save $168.00 $70.00 USD/mo	Flat · USD/mo	Standalone · Fixed
Select	Contact sales Let's Talk	Flat	Standalone · Contact sales

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.

FreshBooks

Lite

Track And Organize Client Info Billable Clients: 5 Clients

Limited
Managing Your Business Track expenses in real time: Included
Billing Solutions Create and send estimates: Included
Client Payment Options Get paid with credit and debit cards, ACH bank transfer, Apple Pay, Google Pay, and Buy Now, Pay Later: Included
Managing Your Business Generate tax-time reports: Included
Billing Solutions Proposals and client retainers: Excluded
Managing Your Business Run financial and accounting reports: Excluded
Managing Your Business Expense receipt scanning: Excluded
Managing Your Business Accountant access: Excluded
Managing Your Business Project profitability: Excluded
Track And Organize Client Info Customize email templates: Excluded
Track And Organize Client Info Remove FreshBooks branding: Excluded

Plus

Track And Organize Client Info Billable Clients: 50 Clients

Limited
Managing Your Business Track expenses in real time: Included
Billing Solutions Create estimates, proposals, and client retainers: Included
Client Payment Options Get paid with credit and debit cards, ACH bank transfer, Apple Pay, Google Pay, and Buy Now, Pay Later: Included
Managing Your Business Generate tax-time reports: Included
Managing Your Business Run financial and accounting reports: Included
Managing Your Business Expense receipt scanning: Included
Managing Your Business Give your accountant access: Included
Managing Your Business Project profitability: Excluded
Track And Organize Client Info Customize email templates: Excluded
Track And Organize Client Info Remove FreshBooks branding: Excluded

Premium

Track And Organize Client Info Billable Clients: Unlimited

Included
Managing Your Business Track expenses in real time: Included
Billing Solutions Create estimates, proposals, and client retainers: Included
Client Payment Options Get paid with credit and debit cards, ACH bank transfer, Apple Pay, Google Pay, and Buy Now, Pay Later: Included
Managing Your Business Generate tax-time reports: Included
Managing Your Business Run financial and accounting reports: Included
Managing Your Business Bill receipt scanning with the ability to add line items: Included
Managing Your Business Give your accountant access: Included
Managing Your Business Check project profitability: Included
Track And Organize Client Info Customize your email templates: Included
Track And Organize Client Info Remove FreshBooks branding: Excluded
Managing Your Business Dedicated phone support: Excluded

Select

Track And Organize Client Info Billable Clients: Unlimited

Included
Managing Your Business Track expenses in real time: Included
Billing Solutions Create estimates, proposals, and client retainers: Included
Client Payment Options Access lower credit card transaction fees and capped bank transfer (ACH) fees: Included
Managing Your Business Generate tax-time reports: Included
Managing Your Business Run financial and accounting reports: Included
Managing Your Business Bill receipt scanning with automatic capture of multi-line items: Included
Managing Your Business Give your accountant access: Included
Managing Your Business Check project profitability: Included
Track And Organize Client Info Customize email templates and remove FreshBooks branding: Included
Managing Your Business Import your data via Easy Switch: Included
Managing Your Business Dedicated phone support: Included
Add-ons 2 Team Member accounts included: 2

Included
Add-ons Advanced Payments: Included

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.

FreshBooks

September 21, 2026
Official pricing page
- Lite: USD 23 monthly
- Plus: USD 43 monthly
- Premium: USD 70 monthly
- Select: Contact sales
August 31, 2026
Official pricing page
- Lite: USD 23 monthly
- Plus: USD 43 monthly
- Premium: USD 70 monthly
- Select: Contact sales
August 27, 2026
Official pricing page
- Lite — standard: USD 23 monthly · USD 23 / month with annual commitment
- Plus — standard: USD 43 monthly · USD 43 / month with annual commitment
- Premium — standard: USD 70 monthly · USD 70 / 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