Holded
Cheaper for 10 people
From$16.50/mo
10 people: $16.50 a month · $198 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 5 plans · priced per plan
Holded 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
Holded starts at $16.50/mo (Plus) and Xero at $27/mo (Early). For 10 people that's $16.50 vs $27 a month: Holded is $10.50 a month (39%) 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
Holded and Xero plans
Every plan with a public price, in US dollars.
Holded
Plus
1 user · 250 invoices/year · 1 connected bank
$16.50/mo
Basic
2 users · 1,000 invoices/year
$31.90/mo
Standard
4 users + accountant · 3,000 invoices/year · HR and inventory modules
$64.90/mo
Advanced
More users and invoices · Advanced modules
$108.90/mo
Premium
Top tier · Full ERP suite
$218.90/mo
Page could not be fetched; search snippets of holded.com: €15/€29/€59/€99/€199 per month excl. VAT at ~1.10 USD/EUR; first 3 months 50% off promo.
Prices from Holded'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 | Holded (Plus) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $16.50/mo$198/yr a year | $27/mo$324/yr a year | Holded $10.50 less a month |
| 10 people | $16.50/mo$198/yr a year | $27/mo$324/yr a year | Holded $10.50 less a month |
| 25 people | $16.50/mo$198/yr a year | $27/mo$324/yr a year | Holded $10.50 less a month |
Holded 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
Holded vs Xero: questions
Which is cheaper, Holded or Xero?
Holded starts at $16.50/mo (Plus) and Xero at $27/mo (Early). For 10 people that's $16.50 vs $27 a month: Holded is $10.50 a month (39%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Holded and Xero have free plans?
Holded has no free plan in Surba's catalog. Xero has no free plan in Surba's catalog.
More comparisons
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Paying for Holded or Xero? Track it in Surba.
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