Holded 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.

Holded

See full pricing history

EUR · US · source: www.holded.com

Plan	Pricing	Charged by	Offer type
Plus	EUR 15 monthly 15,00 € 7,50 €/ mo	Flat · / mo	Standalone · Fixed
Basic	EUR 29 monthly 29,00 € 14,50 € / mo -50% for 3 months	Flat · / mo	Standalone · Fixed
Standard Highlighted	EUR 59 monthly 59,00 € 29,50 € / mo -50% for 3 months	Flat · / mo	Standalone · Fixed
Advanced	EUR 99 monthly 99,00 € 49,50 € / mo -50% for 3 months	Flat · / mo	Standalone · Fixed
Premium	EUR 199 monthly 199,00 € 99,50 €/ mo	Flat · / mo	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.

Holded

Plus

Invoicing Invoices per year: 250

Included
Invoicing Recurring invoices: 0

Limited
Treasury Connected banks: 1

Included

Basic

Highlights Users: 2

Included
Invoicing Invoices per year: 1,000

Included
Invoicing Recurring invoices: 10

Limited
Treasury Connected banks: 5

Included
Highlights Unlimited contacts: Included
Highlights Project profitability tracking: Included
Highlights Active reconciliation rules: 15

Included
Highlights Unlimited expense scanner: Included
Treasury Cash flow: Included
Highlights Recurring purchases: Included
Highlights IRPF tax models: Included

Standard

Highlights Users: 4

Included
Invoicing Invoices per year: 3,000

Included
Invoicing Recurring invoices: 100

Limited
Treasury Connected banks: Unlimited

Included
Highlights Auto accounting entries: Included
Highlights Advanced reports: Included
Highlights Active reconciliation rules: 50

Included
Highlights Analytical accounting: Included
Highlights Corporate tax: Included
Highlights SII integration: Included
Treasury Bank remittances: Included
Highlights Asset management: Included

Advanced

Highlights Users: 7

Included
Invoicing Invoices per year: 10,000

Included
Invoicing Recurring invoices: 300

Limited
Treasury Connected banks: Unlimited

Included
Highlights Custom user roles: Included
Highlights Custom fields: Included
Highlights Priority support: Included
Highlights Active reconciliation rules: 100

Included
Invoicing Payment reminders: Included

Premium

Invoicing Invoices per year: Unlimited

Included
Invoicing Recurring invoices: 1,000

Limited
Treasury Connected banks: Unlimited

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.

Holded

September 21, 2026
Official pricing page
- Plus: EUR 15 monthly
- Basic: EUR 29 monthly
- Standard: EUR 59 monthly
- Advanced: EUR 99 monthly
- Premium: EUR 199 monthly
September 10, 2026
Official pricing page
- Plus: EUR 15 monthly
- Basic: EUR 29 monthly
- Standard: EUR 59 monthly
- Advanced: EUR 99 monthly
- Premium: EUR 199 monthly

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