Xero today
Starts at
$27/mo
- Contract
- cancel with one month's notice
- Free plan
- Trial: One month free on any plan
Cheaper than Xero (1)
Compared by starting price, same currency.
| Alternative | At 5 seats | Against Xero | States that Xero doesn't | Contract | Free plan |
|---|---|---|---|---|---|
 DextBusinesses (250 documents, 5 users), read Oct 29, 2026 |
$25.21/moBusinesses (250 documents, 5 users) plan, starting price | $1.79 lessstarting price | AI transaction categorization, AP approval workflows | Initial term is one month if paid monthly, 12 months if paid... | Trial: 14-day free trial, no credit card required; account is paused after trial if... |
Free plan, which Xero doesn't show (2)
A free plan you can keep, in the vendor's own words.
| Alternative | At 5 seats | Against Xero | States that Xero doesn't | Contract | Free plan |
|---|---|---|---|---|---|
 RampPlus, read Oct 29, 2026 |
$75$15 × 5 seats | Not comparable | AI transaction categorization, AP approval workflows, SOC 2, SSO and 1 more | Enterprise billed annually; Plus offers 20% saving with annual billing | Ramp Free for smaller teams: unlimited cards, SMS/Slack expense completion... |
 BILLEssentials (AP & AR), read Oct 29, 2026 |
$245$49 × 5 seats | Not comparable | AI transaction categorization, AP approval workflows, SOC 2, SSO and 1 more | Not found | BILL Spend & Expense is $0 per user per month and includes corporate cards... |
Other options (4)
No computed reason to switch, listed for completeness.
| Alternative | At 5 seats | Against Xero | States that Xero doesn't | Contract | Free plan |
|---|---|---|---|---|---|
 JiravController Essentials, read Oct 29, 2026 |
$50/moController Essentials plan, starting price | $23 morestarting price | Nothing extra found | Not found | Not found |
 ZeniStarter (AI Bookkeeping), read Oct 29, 2026 |
$549/moStarter (AI Bookkeeping) plan, starting price | $522 morestarting price | AI transaction categorization, AP approval workflows, MCP server | Annual contract | Not found |
 PuzzleCore, read Oct 29, 2026 |
$72$72, includes 5 users | Not comparable | AI transaction categorization, Public API, MCP server | Not found | Trial: 14-day free trial |
 FyleGrowth, read Oct 29, 2026 |
$74.95$14.99 × 5 seats | Not comparable | AI transaction categorization, SOC 2, SSO, Public API | Not found | Not found |
No price found, or contact sales (16)
- Aspirehybrid
- Boardsales led
- ChatFinsales led
- Cubehybrid
- Datarailssales led
- Feedzaisales led
- HighRadiussales led
- OneStreamsales led
- Oracle EPMsales led
- Planfulsales led
- QuickBooks Onlinecontact the vendor
- Sage Intacctsales led
- Stamplisales led
- Vic.aisales led
- Wolters Kluwer CCH Tagetikcontact the vendor
- Workday Adaptive Planningsales led
Questions
What is the cheapest alternative to Xero?
Dext, at $25.21/mo by starting price, $1.79 less than Xero. Computed from each vendor's published prices.
Is there a free alternative to Xero?
Yes. 2 AI finance tools have a free plan, including Ramp, BILL.
How this page is made
Alternatives come from Xero's own category, AI finance tools. Prices come from each vendor's pricing page and are compared at the same volume where both can be computed, and by starting price where neither can. "States that Xero doesn't" lists what we found on the other vendor's site and didn't find on Xero's, which doesn't prove Xero lacks it. How prices are read.