FreeAgent vs Xero
Updated 2026 — Side-by-side comparison of features, pricing, and scores.
FreeAgent
7.4/10
Good
Ease of Use8.5
Value for Money8
Support8
Features7.5
Scalability5.5
Integrations7
Xero
8.3/10
Great
Ease of Use8.5
Value for Money7.5
Support7.5
Features9
Scalability8.5
Integrations9
Feature Comparison
| Feature | FreeAgent | Xero |
|---|---|---|
| Invoicing | ✓ Recurring invoices with auto-reminders | ✓ Customizable invoices with online payments |
| Expense Tracking | ✓ Expense tracking with receipt upload | ✓ Expense claims on Premium plan |
| Bank Reconciliation | ✓ Bank feed auto-matching | ✓ Industry-leading bank reconciliation |
| Tax Management | ✓ Self Assessment, VAT, MTD, Corporation Tax | ✓ VAT returns, sales tax, Making Tax Digital |
| Financial Reports | ✓ Real-time P&L, balance sheet, tax timeline | ✓ Comprehensive financial reporting |
| Payroll | ✓ Built-in payroll for small teams | ~ Available as paid add-on in select regions |
| Multi-Currency | ✓ Multi-currency invoicing and expenses | ✓ Premium plan |
| Project Tracking | ✓ Project management with budgets | ✓ Premium plan |
| Inventory Management | ✗ Not available | ~ Basic inventory on all plans |
| Receipt Scanning | ✓ Mobile receipt capture | ✓ Hubdoc included for receipt capture |
| Mobile App | ✓ iOS & Android | ✓ iOS & Android |
| API Access | ✓ RESTful API | ✓ Comprehensive REST API |
| Free Plan Available | ~ Free for NatWest/RBS customers only | ✗ 30-day free trial only |
| Time Tracking | ✓ Built-in time tracking | ~ Via integrations or Projects add-on |
| Third-Party Integrations | ✓ 150+ integrations | ✓ 1,000+ integrations via app marketplace |
✓ Full support~ Limited✗ Not available
Pricing Comparison
FreeAgent Pricing
NatWest/RBS FreeFree
FullPopular$34/mo
$29/mo billed annually
Xero Pricing
Starter$29/mo
$29/mo billed annually
StandardPopular$46/mo
$46/mo billed annually
Premium$62/mo
$62/mo billed annually
FAQ
Is FreeAgent or Xero better?
It depends on your needs. FreeAgent scores 7.4/10 overall while Xero scores 8.3/10. Compare the detailed feature matrix above to find the best fit.