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 — default	USD 25 monthly · USD 25 / month with annual commitment Then $25 per month	Flat · per month	Standalone · Fixed
Growing — default	USD 55 monthly · USD 55 / month with annual commitment Then $55 per month	Flat · per month	Standalone · Fixed
Established — default Highlighted	USD 90 monthly · USD 90 / month with annual commitment 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 — default

Highlights Send quotes and 20 invoices†: Included
Highlights Accept online invoice payments^: Included
Highlights 5 bills: Included
Highlights Reconcile bank transactions: Included
Highlights Smart Document Capture: Included
Highlights View real-time reports: Included
Highlights W-9 + 1099 management: Included
Highlights Sales tax: Included
Highlights Visualize performance with basic graphs: Included
Highlights 30 day cash flow forecast: Included
Highlights Make online bill payments (Domestic - Free ACH): Included
Highlights Make online bill payments (Cross Border): Included

Growing — default

Highlights Everything in Early, plus:: Included
Highlights Send invoices and quotes: Included
Highlights Automate bill entry and track bills: Included
Highlights Auto-reconcile bank transactions: Included
Highlights Visualize performance with graphs: Included
Highlights 60 day cash flow forecast: Included
Highlights Customize performance dashboards: Included
Highlights Tailored financial health scorecards: Included

Established — default

Highlights Everything in Growing, plus:: Included
Highlights 180 day cash flow forecast: Included
Highlights Analyze KPIs and ratios: Included
Highlights Use multiple currencies: Included
Highlights Track time and costs for projects: Included
Highlights Employee expense and mileage claims: Included
Highlights Benchmark against the industry: Included
Highlights Make online bill payments (International): Included

How their prices changed

Each dated row shows the public prices observed when that vendor’s pricing page changed.

Puzzle

August 27, 2026 Source
- 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

August 27, 2026 Source
- 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