QuickBooks Online
Finance
From$38/mo
10 people: $38 a month · $456 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 4 plans · priced per plan
QuickBooks Online 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
QuickBooks Online starts at $38/mo (Simple Start) and Xero at $27/mo (Early). For 10 people that's $38 vs $27 a month: Xero is $11 a month (29%) cheaper than QuickBooks Online on list price.
Xero
Cheaper for 10 people
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
QuickBooks Online and Xero plans
Every plan with a public price, in US dollars.
QuickBooks Online
Simple Start
1 user · Invoice and get paid · Automated bookkeeping
$38/mo
Essentials
3 users · Enhanced reports · Employee time on invoices
$85/mo
Plus
5 users · Budgets · Project profitability
$140/mo
Advanced
25 users · Custom permissions · Workflow automation
$340/mo
Regular US prices; current promo 50% off for 3 months.
Prices from QuickBooks Online'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 | QuickBooks Online (Simple Start) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $38/mo$456/yr a year | $27/mo$324/yr a year | Xero $11 less a month |
| 10 people | $38/mo$456/yr a year | $27/mo$324/yr a year | Xero $11 less a month |
| 25 people | $38/mo$456/yr a year | $27/mo$324/yr a year | Xero $11 less a month |
QuickBooks Online 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
QuickBooks Online vs Xero: questions
Which is cheaper, QuickBooks Online or Xero?
QuickBooks Online starts at $38/mo (Simple Start) and Xero at $27/mo (Early). For 10 people that's $38 vs $27 a month: Xero is $11 a month (29%) cheaper than QuickBooks Online on list price. Compare features too: the cheaper plan isn't always the closer match.
Do QuickBooks Online and Xero have free plans?
QuickBooks Online has no free plan in Surba's catalog. Xero has no free plan in Surba's catalog.
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Paying for QuickBooks Online 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.