Puzzle 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.

Puzzle

See full pricing history

USD · US · source: puzzle.io

Plan	Pricing	Charged by	Offer type
Starter	USD 30 monthly · USD 25 / month with annual commitment $30/month or $25/month billed annually before temporary promotions	Flat · per month	Standalone · Fixed
Core	USD 72 monthly · USD 60 / month with annual commitment $72/month or $60/month billed annually before temporary promotions	Flat · per month	Standalone · Fixed
Complete Highlighted	USD 120 monthly · USD 100 / month with annual commitment $120/month or $100/month billed annually before temporary promotions	Flat · per month	Standalone · Fixed
Scale	USD 360 monthly · USD 300 / month with annual commitment Starting at $360/month or $300/month billed annually before temporary promotions	Flat · per month	Standalone · Starting at

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.

Puzzle

Starter

Plan card Users: 1

Included
Plan card Cash books: Included
Plan card AI categorization: Included

Core

Plan card Users: 5

Included
Plan card Accrual books: Included
Plan card Chat support: Included

Complete

Plan card Unlimited users: Included
Plan card White-glove migration: Included
Plan card Class tracking: Included

Scale

Plan card High-volume accounting: Included
Plan card Priority support: Included
Plan card AI credits: 300/month

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.

Puzzle

August 27, 2026
Official pricing page
- Starter: USD 30 monthly · USD 25 / month with annual commitment
- Core: USD 72 monthly · USD 60 / month with annual commitment
- Complete: USD 120 monthly · USD 100 / month with annual commitment
- Scale: USD 360 monthly · USD 300 / 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