Moneybird
Cheaper for 10 people
From$3.48/mo
10 people: $3.48 a month · $41.76 a year
- No free plan
- Up to 16% off yearly
- No startup credits listed
- 4 plans · priced per plan
Moneybird 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
Moneybird starts at $3.48/mo (Compact) and Xero at $27/mo (Early). For 10 people that's $3.48 vs $27 a month: Moneybird is $23.52 a month (87%) 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
Moneybird and Xero plans
Every plan with a public price, in US dollars.
Moneybird
Compact
For small or inactive administrations · 5 bank transactions · 1 user
$3.48/mo
Start
Smart document processing · App receipt scanning · 20 transactions
$17.40/mo
Groei
80% automated bookkeeping · 5 linked bank accounts · 50 transactions
$33.64/mo
Compleet
Unlimited bank accounts · Unlimited transactions · Unlimited users
$47.56/mo
Page shows €3/€15/€29/€41 per month when paid annually (listed here as yearly totals €36/€180/€348/€492) converted at 1 EUR = 1.16 USD; annual payment saves at least 16% vs monthly. VAT treatment not stated. 60-day free trial.
Prices from Moneybird'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 | Moneybird (Compact) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $3.48/mo$41.76/yr a year | $27/mo$324/yr a year | Moneybird $23.52 less a month |
| 10 people | $3.48/mo$41.76/yr a year | $27/mo$324/yr a year | Moneybird $23.52 less a month |
| 25 people | $3.48/mo$41.76/yr a year | $27/mo$324/yr a year | Moneybird $23.52 less a month |
Moneybird 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
Moneybird vs Xero: questions
Which is cheaper, Moneybird or Xero?
Moneybird starts at $3.48/mo (Compact) and Xero at $27/mo (Early). For 10 people that's $3.48 vs $27 a month: Moneybird is $23.52 a month (87%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Moneybird and Xero have free plans?
Moneybird has no free plan in Surba's catalog. Xero has no free plan in Surba's catalog.
Are Moneybird and Xero cheaper if you pay yearly?
Moneybird lists up to 16% off yearly billing. Surba's catalog lists no yearly discount for Xero.
More comparisons
Other Finance comparisons
Paying for Moneybird 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.