Starling Accounting 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.

Starling Accounting

See full pricing history

GBP · US · source: www.starlingbank.com

Plan	Pricing	Charged by	Offer type
Accounting Essentials	Free Free forever	Flat · per month	Standalone · Free
Accounting Plus	GBP 14 monthly Regular price £14/month after the temporary £7 promotion	Flat · per month	Standalone · Fixed

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.

Starling Accounting

Accounting Essentials

Plan card Free accounting tools: Included
Plan card Making Tax Digital Income Tax submissions: Included
Plan card Real-time tax calculations: Included

Accounting Plus

Plan card Day-to-day bookkeeping: Included
Plan card Tax management: Included
Plan card Making Tax Digital tools: 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.

Starling Accounting

August 27, 2026 Source
- Accounting Essentials: Free
- Accounting Plus: GBP 14 monthly

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