QuickBooks Online vs Xero

Two accounting tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	QuickBooks OnlineIntuit	XeroXero Ltd
In one line	The accounting software most US accountants already use	Cloud accounting with unlimited users on every plan
Starting price	From $38/mo	From $27/mo
Six-person team	$38/mo	$27/mo
Plans	Simple Start $38/mo (1 user); Essentials $85/mo (3 users); Plus $140/mo (5 users); Advanced up to 25 users; every plan adds 2 accountant logins; list prices, with promotions often cutting the first 3 months	Early $27/mo (20 invoices); Growing $59/mo; Established $97/mo; unlimited users, no per-user fees; intro offers often cut the first 3 months
Pricing model	Free trial	Free trial
Free trial	30 days	30 days
Users	1–25 depending on plan	Unlimited
Both connect to	Square POS, Gusto, Rippling, Deel, Shopify, Mercury, Relay, Bluevine +29 more
Also connects to	Toast, Homebase, Squarespace Commerce, Invoice Ninja, Every, QuickBooks Payroll, Patriot Payroll, BigCommerce +10 more800+ listed by the vendor	Shopify POS, Found, Chase Business Complete Banking1,000+ listed by the vendor
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people · 51–200 people
Available in	US · UK · CA · AU	US · UK · CA · AU
Phone support	Plans not stated (US)	None listed
Live chat	Every paid plan	None listed
Support hours	Live chat: Mon–Fri 6 AM–6 PM PT, Sat 6 AM–3 PM PT, Sun closed (Simple Start, Essentials, Plus), Mon–Fri 6 AM–7 PM PT, Sat–Sun 6 AM–3 PM PT (Advanced) · Phone: Monday- Friday 6am -6pm PST	Web form: 24/7
Incidents posted	5 incidents posted on Intuit's status page, which covers all Intuit products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Intuit. Status page	26 incidents posted on Xero Ltd's status page, which covers all Xero Ltd products and regions, in the 90 days to Oct 27, 2026; 10 marked major or critical by Xero Ltd. Status page
Capterra score	4.3 / 5 from 8,546 reviews	4.4 / 5 from 3,332 reviews
Trustpilot score	Not listed	4.1 / 5 from 11,478 reviews
Fit: Retail shop	92	84
Fit: Restaurant or café	88	80
Fit: Service business	90	88
Fit: Agency or studio	85	90
Fit: Trades or contractor	92	84
Fit: Online store	80	85
Why people pick it	Every US accountant knows it Strong bank feeds and reconciliation Large integration catalog	Unlimited users Clean interface Good for multi-currency
Where it falls short	Frequent price increases User limits on lower tiers	Early plan limits are tight Fewer US accountants use it
	Visit QuickBooks Online ↗	Visit Xero ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices

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