Billy
Cheaper for 10 people
From$23.52/mo
10 people: $23.52 a month · $282.24 a year
- Free plan
- No yearly discount listed
- No startup credits listed
- 4 plans · priced per plan
Billy vs Xero: pricing compared
Plans, list prices and what a team of 5, 10 or 25 pays on each, from Surba's catalog of Finance tools. Updated for 2026.
At a glance
Side by side
Billy starts at $23.52/mo (Basic) and Xero at $27/mo (Early). For 10 people that's $23.52 vs $27 a month: Billy is $3.48 a month (13%) cheaper than Xero on list price.
Xero
Finance
From$27/mo
10 people: $27 a month · $324 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 3 plans · priced per plan
Plans
Billy and Xero plans
Every plan with a public price, in US dollars.
Billy
Free
Up to 3 invoices/month
Free
Basic
Bookkeeping and invoicing · Accountant access
$23.52/mo
Plus
AI features and integrations · Payroll included
$43.37/mo
Complete
Priority support · Annual accounts included
$87.47/mo
DKK 160/295/595 per month (search snippets of billy.dk) at ~0.147 USD/DKK.
Prices from Billy's pricing page, checked 26 Oct 2026.
Xero
Early
Quotes and 20 invoices · 5 bills · 30-day cash flow forecast
$27/mo
Growing
60-day cash flow forecast · Auto-reconcile transactions
$59/mo
Established
180-day cash flow forecast · Multiple currencies · KPI analysis
$97/mo
US pricing. Promo: 90% off first 6 months for new US customers (ends Nov 2, 2026).
Prices from Xero's pricing page, checked 26 Oct 2026.
Team cost
What each costs your team
Entry paid plans, per month and per year at list price.
| Team | Billy (Basic) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $23.52/mo$282.24/yr a year | $27/mo$324/yr a year | Billy $3.48 less a month |
| 10 people | $23.52/mo$282.24/yr a year | $27/mo$324/yr a year | Billy $3.48 less a month |
| 25 people | $23.52/mo$282.24/yr a year | $27/mo$324/yr a year | Billy $3.48 less a month |
Billy is priced per plan. Xero is priced per plan. Per-user prices are multiplied by the team; per-plan prices aren't. Before tax; yearly discounts not applied.
FAQ
Billy vs Xero: questions
Which is cheaper, Billy or Xero?
Billy starts at $23.52/mo (Basic) and Xero at $27/mo (Early). For 10 people that's $23.52 vs $27 a month: Billy is $3.48 a month (13%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Billy and Xero have free plans?
Billy has a free plan (Free). Xero has no free plan in Surba's catalog.
More comparisons
Other Finance comparisons
Paying for Billy or Xero? Track it in Surba.
Surba reminds you before every renewal, shows your whole software spend in your currency, and flags tools that overlap — like these two.