Pandle
Cheaper for 10 people
From$6.50/mo
10 people: $6.50 a month · $78 a year
- Free plan
- No yearly discount listed
- No startup credits listed
- 2 plans · priced per plan
Pandle 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
Pandle starts at $6.50/mo (Pandle Pro) and Xero at $27/mo (Early). For 10 people that's $6.50 vs $27 a month: Pandle is $20.50 a month (76%) 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
Pandle and Xero plans
Every plan with a public price, in US dollars.
Pandle
Free
Invoicing · MTD VAT returns · Finance reports
Free
Pandle Pro
Bank rules automation · Projects · No contract
$6.50/mo
Pro £5/month + VAT (~1.30 USD/GBP); monthly rolling, no annual option.
Prices from Pandle'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 | Pandle (Pandle Pro) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $6.50/mo$78/yr a year | $27/mo$324/yr a year | Pandle $20.50 less a month |
| 10 people | $6.50/mo$78/yr a year | $27/mo$324/yr a year | Pandle $20.50 less a month |
| 25 people | $6.50/mo$78/yr a year | $27/mo$324/yr a year | Pandle $20.50 less a month |
Pandle 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
Pandle vs Xero: questions
Which is cheaper, Pandle or Xero?
Pandle starts at $6.50/mo (Pandle Pro) and Xero at $27/mo (Early). For 10 people that's $6.50 vs $27 a month: Pandle is $20.50 a month (76%) cheaper than Xero on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Pandle and Xero have free plans?
Pandle has a free plan (Free). Xero has no free plan in Surba's catalog.
More comparisons
Other Finance comparisons
Paying for Pandle 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.