Sage Accounting vs Xero
Updated 2026 — Side-by-side comparison of features, pricing, and scores.
Sage Accounting
7.2/10
Good
Ease of Use7.5
Value for Money7
Support7
Features7
Scalability7.5
Integrations7
Xero
8.3/10
Great
Ease of Use8.5
Value for Money7.5
Support7.5
Features9
Scalability8.5
Integrations9
Feature Comparison
| Feature | Sage Accounting | Xero |
|---|---|---|
| Invoicing | ✓ Customizable invoices with branding | ✓ Customizable invoices with online payments |
| Expense Tracking | ✓ Expense categorization with bank feeds | ✓ Expense claims on Premium plan |
| Bank Reconciliation | ✓ Automatic bank feeds | ✓ Industry-leading bank reconciliation |
| Tax Management | ✓ VAT, MTD-compliant, CIS | ✓ VAT returns, sales tax, Making Tax Digital |
| Financial Reports | ✓ P&L, balance sheet, aged debtors | ✓ Comprehensive financial reporting |
| Payroll | ~ Available as separate Sage Payroll product | ~ Available as paid add-on in select regions |
| Multi-Currency | ✓ Standard plan and above | ✓ Premium plan |
| Project Tracking | ✓ Plus plan | ✓ Premium plan |
| Inventory Management | ✗ Not available in cloud version | ~ Basic inventory on all plans |
| Receipt Scanning | ✓ Receipt capture auto-match on Plus | ✓ Hubdoc included for receipt capture |
| Mobile App | ✓ iOS & Android | ✓ iOS & Android |
| API Access | ✓ Sage API | ✓ Comprehensive REST API |
| Free Plan Available | ✗ 30-day free trial only | ✗ 30-day free trial only |
| Time Tracking | ✗ Not available | ~ Via integrations or Projects add-on |
| Third-Party Integrations | ✓ 100+ integrations | ✓ 1,000+ integrations via app marketplace |
✓ Full support~ Limited✗ Not available
Pricing Comparison
Sage Accounting Pricing
Start$14/mo
$12/mo billed annually
StandardPopular$30/mo
$25/mo billed annually
Plus$42/mo
$35/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 Sage Accounting or Xero better?
It depends on your needs. Sage Accounting scores 7.2/10 overall while Xero scores 8.3/10. Compare the detailed feature matrix above to find the best fit.