VendorVS
FreeAgent logo

FreeAgent

Accounting for freelancers and small businesses

vs
Xero logo

Xero

Beautiful accounting software

FreeAgent vs Xero Comparison

Compare FreeAgent and Xero side-by-side — pricing, features, scores, and which one is right for you.

The bottom line

FreeAgent and Xero are both strong contenders in the accounting space, but they serve different needs. Xero edges ahead with an overall score of 83/100 compared to FreeAgent's 70/100. Both are equally user-friendly (8/10 each). On pricing, neither offers a free tier — FreeAgent starts at $27/mo and Xero at $25/mo. Xero rates higher for value for money (8/10 vs 7/10), making it a better pick if budget is a concern.

At a glance

FreeAgentXero
Our score70/10083/100
Starting price$27/mo$25/mo
Free tierNoNo
Best forAccounting for freelancers and small businessesBeautiful accounting software

Pricing comparison

FreeAgent logo

FreeAgent

No free tier
Standard$27/mo

Pricing verified 2026-03-19

Xero logo

Xero

No free tier
Early$25/mo
Growing$55/mo
Established$90/mo

Pricing verified 2026-03-19

Calculate your cost

FreeAgent logo
FreeAgentStandard
$23/mo
$276/yr
Xero logo
XeroEarly
$22/mo
$264/yr
Cheaper— save $12/yr

Feature comparison

core

FeatureFreeAgentXero
InvoicingYesYes
Expense trackingYesYes
Bank reconciliationYesYes
Financial reportsYesYes

advanced

FeatureFreeAgentXero
PayrollBuilt-in (UK)Add-on (Gusto)
InventoryNoEstablished
Multi-currencyYesEstablished
Tax filingUK Self Assessment & VATAdd-on

integrations

FeatureFreeAgentXero
StripeYesYes
PayPalYesYes
ShopifyNoYes
ZapierYesYes

Ratings breakdown

FreeAgent

Ease of use
8/10
Value for money
7/10
Features
7/10
Support
7/10

Xero

Ease of use
8/10
Value for money
8/10
Features
8/10
Support
7/10

Choose FreeAgent if...

  • You're ready to invest from $27/mo
  • You value an intuitive, easy-to-use interface
  • You need enterprise-grade capabilities
Visit FreeAgent

Choose Xero if...

  • You're ready to invest from $25/mo
  • You value an intuitive, easy-to-use interface
  • Getting strong value for money is a priority
Visit Xero

Frequently asked questions

Is FreeAgent or Xero better?

Xero scores 83/100 compared to FreeAgent's 70/100 on VendorVS. However, the best choice depends on your needs — FreeAgent excels at ease of use (8/10) while Xero scores 8/10.

How much does FreeAgent cost compared to Xero?

FreeAgent starts at $27/mo. Xero starts at $25/mo. Xero is the more affordable option.

Does FreeAgent or Xero have a free plan?

Neither FreeAgent nor Xero offers a free tier. FreeAgent starts at $27/mo and Xero at $25/mo.

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