Heads-up: some links on this page may be affiliate links. If you sign up through one, we may earn a commission at no extra cost to you. Tools are listed alphabetically; paid placements are always labelled "Featured". How we make money.
QuickBooks Online vs Xero at a glance
| QuickBooks Online | Xero | |
|---|---|---|
| Best for | Small businesses that want the most widely used option | Growing businesses that work closely with an accountant |
| Pricing model | Free trial | Free trial |
| Available in | Global | Global |
| Key features | Automatic bank feeds and transaction categorisation Invoicing, bills and reports in one place Large ecosystem of apps and accountants | Bank reconciliation with suggested matches Hundreds of connected apps Multi-currency on higher plans |
| Website | Visit QuickBooks Online ↗ | Visit Xero ↗ |
Pricing
Both use the same pricing model: each offers a free trial, then paid plans. We never publish exact prices because they change too often; check the current plans on each website.
Where they work
Both are available worldwide, so where you live will not decide it.
Which one should you choose?
- Choose QuickBooks Online: the better fit for small businesses that want the most widely used option.
- Choose Xero: the better fit for growing businesses that work closely with an accountant.
Still unsure? Run through these before you sign up for either:
- Bank feeds for the banks you actually use, in your country.
- Support for your local tax rules (VAT, GST or sales tax) and the reports your accountant needs.
- Receipt capture that reads amounts and dates for you.
- A way to export everything if you ever switch.
Frequently asked questions
What is the main difference between QuickBooks Online and Xero?
QuickBooks Online is built for small businesses that want the most widely used option. Xero is built for growing businesses that work closely with an accountant. Both use the same pricing model: each offers a free trial, then paid plans.
Is QuickBooks Online or Xero available in my country?
Both are available worldwide, so where you live will not decide it.
Is QuickBooks Online cheaper than Xero?
It depends on how you use it, and prices change often, so we only list the pricing model. Both use the same pricing model: each offers a free trial, then paid plans. Compare the current plans on each website before you sign up.
Not sold on either?
There are 10 other ai bookkeeping & accounting tools in the directory. Compare them all →
More comparisons
Information checked 26 October 2026. NxtGenFin is an independent directory, not affiliated with QuickBooks Online or Xero unless marked as featured, sponsored or affiliate link. Not financial advice.