Xero vs Pilot

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

Compare	XeroXero Ltd	PilotPilot
In one line	Cloud accounting with unlimited users on every plan	Done-for-you bookkeeping and tax for startups
Starting price	From $27/mo	From $99/mo
Six-person team	$27/mo	$99/mo
Plans	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	Bookkeeping Essentials from $99/mo billed yearly (up to $100K monthly expenses); tax filing from $750/yr for newly formed companies, $2,000+ for partnerships and S-corps, $2,450+ for C-corps
Pricing model	Free trial	Paid
Free trial	30 days	—
Users	Unlimited	n/a
Both connect to	Ramp
Also connects to	Square POS, Shopify POS, Gusto, Rippling, Deel, Shopify, Mercury, Relay +31 more1,000+ listed by the vendor	No others on record10,000+ listed by the vendor
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	None listed	Core and up
Live chat	None listed	Every plan
Support hours	Web form: 24/7	Not published
Incidents posted	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	We found no public status page for Pilot.
Capterra score	4.4 / 5 from 3,332 reviews	4.9 / 5 from 29 reviews
Trustpilot score	4.1 / 5 from 11,478 reviews	2.9 / 5 from 20 reviews
Fit: Retail shop	84	35
Fit: Restaurant or café	80	30
Fit: Service business	88	65
Fit: Agency or studio	90	78
Fit: Trades or contractor	84	40
Fit: Online store	85	75
Why people pick it	Unlimited users Clean interface Good for multi-currency	A team does the books Tax filing from the same people
Where it falls short	Early plan limits are tight Fewer US accountants use it	Costs more than software Built around startups
	Visit Xero ↗	Visit Pilot ↗

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