FlowAccount
Cheaper for 10 people
From$6.03/mo
10 people: $6.03 a month · $72.36 a year
- Free plan
- Up to 17% off yearly
- No startup credits listed
- 4 plans · priced per plan
FlowAccount 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
FlowAccount starts at $6.03/mo (Standard) and Xero at $27/mo (Early). For 10 people that's $6.03 vs $27 a month: FlowAccount is $20.97 a month (78%) 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
FlowAccount and Xero plans
Every plan with a public price, in US dollars.
FlowAccount
Free
Unlimited documents · Sales and tax reports · Mobile app
Free
Standard
Bank reconciliation · Asset depreciation · Real-time statements
$6.03/mo
Pro
Unlimited users with roles · Inventory management · Payment schedules
$9.06/mo
Pro Business
Multiple warehouses · Open API · Lazada, Shopee, TikTok Shop sync
$16.64/mo
THB converted at 33 THB/USD: ฿199/฿299/฿549 per month list; annual ฿1,990/฿2,990/฿5,490.
Prices from FlowAccount'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 | FlowAccount (Standard) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $6.03/mo$72.36/yr a year | $27/mo$324/yr a year | FlowAccount $20.97 less a month |
| 10 people | $6.03/mo$72.36/yr a year | $27/mo$324/yr a year | FlowAccount $20.97 less a month |
| 25 people | $6.03/mo$72.36/yr a year | $27/mo$324/yr a year | FlowAccount $20.97 less a month |
FlowAccount 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
FlowAccount vs Xero: questions
Which is cheaper, FlowAccount or Xero?
FlowAccount starts at $6.03/mo (Standard) and Xero at $27/mo (Early). For 10 people that's $6.03 vs $27 a month: FlowAccount is $20.97 a month (78%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do FlowAccount and Xero have free plans?
FlowAccount has a free plan (Free). Xero has no free plan in Surba's catalog.
Are FlowAccount and Xero cheaper if you pay yearly?
FlowAccount lists up to 17% off yearly billing. Surba's catalog lists no yearly discount for Xero.
More comparisons
Other Finance comparisons
Paying for FlowAccount or Xero? Track it in Surba.
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