BILL vs Xero
BILL
Accounts payable, receivable, and spend management for small businesses
FromFree plan
Spend & ExpenseLast verified 48 days ago
Xero
Cloud accounting software with unlimited users on every plan
From$25/mo
EarlyLast verified 48 days ago
How they differ
| Feature | BILL | Xero |
|---|---|---|
| Entry price | Free planSpend & Expense | $25/moEarly |
| Free plan | Yes | Not stated |
| Free trial | Not stated | Not stated |
| Invoicing & payments | — | |
| Accounting & bookkeeping | ||
| Suits | plumbers, HVAC companies, electricians, roofers, landscapers | plumbers, HVAC companies, electricians, roofers, landscapers |
Users on the horizontal axis. Entry plans only, from verified prices; yearly prices divided by 12; vendor minimums applied; a line stops where a plan's user cap is reached. Taxes and add-ons excluded.
BILL
Strengths
- Spend & Expense product carries no monthly subscription fee
- Automates approval workflows for accounts payable and receivable
- Syncs with QuickBooks Online and Xero rather than replacing them
Drawbacks
- AP/AR per-user pricing adds up for a larger office staff
- Enterprise-level AP/AR pricing is quote-only
Xero
Strengths
- Unlimited users included on every plan, unlike per-user competitors
- Clean, modern interface that bookkeepers frequently prefer
- Strong bank reconciliation and multi-currency support
Drawbacks
- Fewer built-in trades-specific integrations than QuickBooks Online
- Some payroll features are limited by state availability
Frequently asked questions
What do BILL and Xero have in common?
Both cover accounting & bookkeeping.
Is BILL cheaper than Xero?
On entry plans for one user, BILL costs nothing (free plan) and Xero $25 a month, so BILL is cheaper to start. The gap changes with team size and billing terms; see the chart above.