FreeAgent
Cheaper for 10 people
From$13.50/mo
10 people: $13.50 a month · $162 a year
- No free plan
- Up to 17% off yearly
- No startup credits listed
- 4 plans · priced per plan
FreeAgent 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
FreeAgent starts at $13.50/mo (Unincorporated landlord) and Xero at $27/mo (Early). For 10 people that's $13.50 vs $27 a month: FreeAgent is $13.50 a month (50%) 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
FreeAgent and Xero plans
Every plan with a public price, in US dollars.
FreeAgent
Unincorporated landlord
Per-property income and expenses · MTD for Income Tax · Self Assessment filing
$13.50/mo
Sole trader
MTD for Income Tax · Self Assessment · MTD VAT returns
$25.65/mo
Partnership or LLP
Payroll · MTD VAT returns · Invoicing and cashflow forecast
$36.45/mo
Limited company
Payroll with RTI filing · MTD VAT returns · Corporation Tax year-end data
$44.55/mo
Prices in GBP ex. VAT (£10/£19/£27/£33 per month) converted at 1 GBP = 1.35 USD. Annual billing is 10x monthly (e.g. £330/yr). 50% off first 6 months for new customers. Free with NatWest/RBS/Ulster/Mettle business accounts. Add-ons: Smart Capture Unlimited £5/mo, Amazon £6/mo. Accountant licences priced via partner programme.
Prices from FreeAgent'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 | FreeAgent (Unincorporated landlord) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $13.50/mo$162/yr a year | $27/mo$324/yr a year | FreeAgent $13.50 less a month |
| 10 people | $13.50/mo$162/yr a year | $27/mo$324/yr a year | FreeAgent $13.50 less a month |
| 25 people | $13.50/mo$162/yr a year | $27/mo$324/yr a year | FreeAgent $13.50 less a month |
FreeAgent 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
FreeAgent vs Xero: questions
Which is cheaper, FreeAgent or Xero?
FreeAgent starts at $13.50/mo (Unincorporated landlord) and Xero at $27/mo (Early). For 10 people that's $13.50 vs $27 a month: FreeAgent is $13.50 a month (50%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do FreeAgent and Xero have free plans?
FreeAgent has no free plan in Surba's catalog. Xero has no free plan in Surba's catalog.
Are FreeAgent and Xero cheaper if you pay yearly?
FreeAgent lists up to 17% off yearly billing. Surba's catalog lists no yearly discount for Xero.
More comparisons
Other Finance comparisons
Paying for FreeAgent 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.