QuickBooks vs Xero: Complete Comparison (2026)

QuickBooks vs Xero: two accounting tools, two very different assumptions about your business.

Both handle the core accounting workflow: bank feeds, invoicing, expense tracking, and financial reports. But once the comparison gets past the basics, the two tools diverge sharply on user limits, payroll, multi-currency, and geographic fit. Neither one handles client proposals, contracts, or project portals.

QuickBooks Online holds 82% of the US small-business accounting market with native payroll integration and deep US tax compliance, but plans cap at 1, 3, 5, or 25 users depending on tier. Time tracking locks behind the Essentials plan at $75/month, multi-currency behind the $275/month Advanced plan, and pricing has increased repeatedly since 2023.

Xero offers unlimited users on all plans starting at $20/month and includes multi-currency at the $80/month Established plan, but has no native US payroll. US users must integrate Gusto ($49/month base plus per-employee fees). The mobile app gets lower ratings than QuickBooks, and 46% of Xero users rate the value negatively after factoring in add-on costs.

Plutio handles billing and the complete client workflow that follows: proposals that convert to projects, contracts with e-signature, time tracking that flows directly into invoices, and a branded client portal where clients check progress and pay without emailing for updates. Try Plutio free.

Last updated February 2026

4.6

7.4out of 10

7.6out of 10

Quick comparison (TLDR)

QuickBooks Online is the dominant US accounting platform with native payroll, strong inventory tracking, and a large accountant ecosystem. Plans start at $38/month for a single user. Time tracking requires the $75/month Essentials plan. Payroll is a separate add-on starting at $50/month plus $6.50 per employee. No proposals, no contracts, no client portal.

Xero is a cloud accounting platform with unlimited users on all plans, starting at $20/month. Multi-currency support arrives at the $80/month Established plan, compared to QuickBooks' $275/month Advanced plan. No native US payroll. Xero handles invoicing and reconciliation but stops at the accounting boundary. No proposals, no contracts, no client portal.

Key differences at a glance

Users: Xero has unlimited users on every plan. QuickBooks caps at 1, 3, 5, or 25 users per tier.
Multi-currency: Xero includes it at $80/month. QuickBooks locks it to the $275/month Advanced plan.
Payroll (US): QuickBooks has native payroll as an add-on. Xero has no native US payroll and requires Gusto or a third-party.
Time tracking: Both require a mid-tier upgrade: QuickBooks Essentials ($75/month) or Xero Established ($80/month).
Pricing: Xero's entry plan ($20/month) costs less than QuickBooks' entry plan ($38/month) but limits invoices to 20/month.
Integrations: Xero has 1,000+ apps in its marketplace. QuickBooks has 750+.

The verdict? QuickBooks fits US-based businesses that need payroll and strong inventory. Xero fits international teams and growing businesses that hit QuickBooks' user caps. Neither handles proposals, contracts, or client portals. If you need one platform that runs the complete client workflow, Plutio covers it for $19/month.

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Interface and ease of use

Both tools run in the browser. What's the learning curve for a freelancer or small team starting fresh with either platform?

QuickBooks Online

Guided setup with a large accountant and support ecosystem. QuickBooks Online runs through a browser with web, iOS, and Android apps. The onboarding flow walks through business type, bank connection, and chart of accounts setup. The interface uses a left-side navigation with categories that mirror standard accounting workflows. Most users connect a bank account and import transactions within the first session. QuickBooks has an extensive network of certified ProAdvisors, over 700,000 accountants globally who specialize in the software. The mobile app was updated in January 2026 and is generally rated well for on-the-go expense capture and invoice creation.

Web browser + iOS and Android apps
Guided onboarding for new businesses
700,000+ certified ProAdvisor accountants
30-day free trial, no credit card
User limits require plan upgrades (1, 3, 5, or 25 users)
Pricing has increased significantly since 2023

Xero

Clean interface with unlimited users included on every plan. Xero runs as a web application with iOS and Android apps. Setup connects a bank account and imports transactions for categorization. The interface uses a horizontal top navigation that new users often find harder to navigate than QuickBooks' sidebar layout. Xero's dashboard focuses on cash position, invoices owed, and bills to pay. The mobile app gets lower ratings than QuickBooks, with recurring reviews noting that key features available on desktop don't appear in the app. Customer support has no phone option. Email and chat support works, with response times varying widely.

Unlimited users on all plans
Web browser + iOS and Android apps
30-day free trial, no credit card
1,000+ apps in the Xero marketplace
Mobile app rated lower than QuickBooks across review platforms
No phone support, email and chat only

Invoicing and billing

Both tools invoice clients. Can they handle the full billing cycle: quotes, invoices, payment links, and overdue follow-ups?

QuickBooks Online

Invoicing across all plans with payment links and recurring billing. QuickBooks includes invoicing on every paid plan. The Simple Start plan ($38/month) allows one user to create invoices, add tax codes, and send payment links via QuickBooks Payments (Visa, Mastercard, ACH). Recurring invoices and billable expense tracking are on the Essentials plan. Progress invoicing, where clients pay in stages against an estimate, is on the Advanced plan. QuickBooks applies its own branding on invoices across all plans unless custom branding is added, available on Simple Start and above. Overdue invoice reminders are built in. The invoicing workflow ties to the bank feed and auto-reconciles when payment comes in.

Invoicing with payment links on all paid plans
QuickBooks Payments for credit cards and ACH
Recurring invoices on Essentials+ ($75/month)
Invoice reminders and overdue tracking
Progress invoicing only on Advanced ($275/month)
QuickBooks branding on invoices without customization

Xero

Invoicing on all plans, with quotes, payment terms, and online payment links. Xero includes invoicing on every plan. The Early plan ($20/month) limits invoices to 20 per month. Growing and Established have unlimited invoicing. Xero connects to Stripe, PayPal, and other payment gateways to add payment links directly to invoices. Quotes convert to invoices with one click. Invoice reminders send automatically when payment is overdue. Batch invoicing lets service businesses create invoices for multiple clients at once. Xero's invoice branding uses templates, but the level of customization is more limited than dedicated proposal tools. Invoicing on Xero doesn't connect to proposals or contracts. The billing starts after the work is already agreed upon and tracked.

Invoicing on all plans (capped at 20/month on Early)
Quotes that convert to invoices
Online payment links via Stripe, PayPal
Automatic invoice reminders
No progress invoicing
No proposals or contract workflow before invoicing

Time tracking and project management

Freelancers and agencies bill by the hour. Can either tool track those hours against projects and turn them into invoices without opening another app?

QuickBooks Online

Basic time tracking on Essentials+, project tracking on Plus. QuickBooks Essentials ($75/month) adds time tracking where users log hours against clients and projects, and those hours become billable line items on invoices. Project tracking with budget vs. actual reporting and job costing comes with the Plus plan ($115/month). QuickBooks Time is a separate, more capable time tracking product that integrates with QuickBooks Online, included with the Payroll Premium and Elite add-ons. For basic hourly billing, the native tracking on Essentials covers most freelancer use cases. For team scheduling, GPS tracking, or mobile clock-in, QuickBooks Time requires a separate subscription.

Time tracking on Essentials+ ($75/month)
Project tracking with budget vs. actual on Plus+ ($115/month)
Hours flow directly to billable invoices
QuickBooks Time available as separate add-on
No kanban boards, task dependencies, or deliverable tracking
QuickBooks Time is a separate paid product

Xero

Projects module on Established plan for time tracking and budget monitoring. Xero's Projects module comes with the Established plan ($80/month) and also available as a standalone add-on starting at $4/month on lower tiers. Projects lets users log time against tasks, track expenses against project budgets, and create invoices directly from logged hours. The project dashboard shows real-time cost vs. revenue for each project. The mobile app for Xero Projects is iOS and Android. Xero Projects covers the time-to-invoice workflow but doesn't include task boards, milestone tracking, client collaboration, or deliverable approvals. For service businesses, it connects tracked hours to billing but stops there.

Time tracking via Projects module (Established plan, $80/month)
Projects add-on available from $4/month on lower plans
Real-time budget vs. actual cost monitoring
Hours flow to invoices from the Projects module
No task boards, milestones, or client collaboration
No deliverable tracking or file sharing for clients

Payroll and HR

Running payroll alongside accounting removes a manual data transfer step. Does either tool include it, and what does it actually cost?

QuickBooks Online

Native US payroll as an add-on, tightly integrated with the ledger. QuickBooks Payroll connects directly to QuickBooks Online and calculates federal and state tax withholdings, files payroll taxes, and handles direct deposit. The Core plan adds $50/month plus $6.50 per employee per month. Premium adds $88/month plus $10 per employee and includes QuickBooks Time Premium for team scheduling. Elite adds $134/month plus $12 per employee, adds tax penalty protection, and includes QuickBooks Time Elite. Multi-state payroll filings add $12 per state per month (waived on Elite). For US businesses that need to run payroll and maintain a single general ledger, QuickBooks is the most integrated option on the market.

Native US payroll with automatic tax filing
Direct deposit on Core+ ($50/month + $6.50/employee)
Multi-state payroll (additional $12/state/month)
Same-day direct deposit on Elite plan
Payroll is always an add-on, not included in any base plan
Total cost can exceed $100/month before per-employee fees

Xero

No native US payroll. Requires a third-party integration like Gusto. Xero does not offer payroll for US users. Gusto is Xero's recommended payroll partner, starting at $49/month plus $6 per employee per month for the Simple plan. The integration syncs payroll journal entries back to Xero automatically, but the payroll system itself lives in Gusto. For non-US users, Xero offers native payroll in Australia, New Zealand, and the UK. For US-based businesses, the absence of native payroll means two separate platforms, two logins, and a sync dependency. If Gusto and Xero disconnect, payroll journal entries require manual entry until reconnected.

No native US payroll
Gusto integration recommended ($49/month + $6/employee)
Native payroll in Australia, NZ, and UK
Payroll journal entries sync automatically via Gusto
Two separate subscriptions and logins for US payroll workflow
Manual journal entry needed if sync breaks

Pricing and user limits

The plan structure determines what a growing team actually pays. User caps, feature gating, and add-on costs all affect the true monthly total.

QuickBooks Online

Per-plan user caps that force upgrades as teams grow. QuickBooks Simple Start allows one user. Essentials allows three. Plus allows five. Advanced allows 25 and also includes an unlimited time tracking add-on. An accountant gets one additional user slot on all plans at no extra cost. Users beyond the plan limit require upgrading to the next tier. For a 6-person team, Simple Start through Plus are all unavailable. The jump goes straight to Advanced at $275/month. QuickBooks runs promotional pricing at 50% off for the first 3 months for new customers. After the promotional period, full price applies. Prices have increased multiple times since 2022.

Simple Start: $38/month, 1 user
Essentials: $75/month, 3 users. Adds time tracking and multi-currency on some plans
Plus: $115/month, 5 users. Adds inventory, project tracking, and 1099s
Advanced: $275/month, 25 users. Adds custom roles and forecasting
No per-seat pricing. Must jump to the next full plan
Repeated price increases since 2022

Xero

Unlimited users on all plans, with flat monthly pricing. Xero's Early plan allows unlimited users at $20/month, but limits invoices to 20 per month and bills to 5 per month. Growing at $47/month has no transaction limits. Established at $80/month adds multi-currency (160+ currencies), expenses tracking, and the Projects module for time and project billing. Xero does not offer annual billing discounts in the US. Pricing is month-to-month only. For a 6-person team, Xero Growing at $47/month costs the same as for a 1-person team. The unlimited-user model is the main structural advantage over QuickBooks for growing teams.

Early: $20/month, unlimited users (20 invoices/month limit)
Growing: $47/month, unlimited users, unlimited invoices
Established: $80/month. Adds multi-currency, projects, and expenses
Same price regardless of team size
No annual billing discount (US market)
Early plan invoice limit (20/month) is restrictive for active businesses

Integrations and geographic fit

Accounting software rarely stands alone; it connects to payroll, CRM, payment processors, and project tools. Which platform fits where the business operates?

QuickBooks Online

750+ integrations with deep US-market focus and accountant ecosystem. QuickBooks connects with 750+ apps through the QuickBooks App Store. Native connections include PayPal, Square, Shopify, HubSpot, Salesforce, and most major US payment processors. TurboTax and Tax1099 integrations cover self-employed tax filing. The ProAdvisor network means any US accountant or bookkeeper is likely familiar with QuickBooks. QuickBooks is strongest for US-based businesses with US employees, US taxes, and USD billing. For businesses invoicing in multiple currencies or hiring internationally, the platform forces an upgrade to the $275/month Advanced plan before multi-currency becomes available.

750+ integrations in the QuickBooks App Store
Native PayPal, Square, Shopify, HubSpot, Salesforce connections
US tax compliance and 1099 management
700,000+ certified ProAdvisor accountants in the US
Multi-currency locked to Advanced plan ($275/month)
Less relevant for UK, Australia, or NZ-based businesses

Xero

1,000+ integrations with global reach and 160+ currency support at the mid tier. Xero's app marketplace includes 1,000+ integrations covering payroll (Gusto, ADP), CRM (Salesforce, HubSpot), e-commerce (Shopify, WooCommerce), and project management (Asana, Trello, ClickUp). The open REST API lets developers build custom connections. Multi-currency support for 160+ currencies arrives at the $80/month Established plan, which makes Xero the more cost-effective choice for businesses billing internationally. Xero has 4.6 million subscribers across 180+ countries and holds approximately 60% of the online accounting market in Australia and New Zealand. For US-only businesses with payroll needs, Xero requires additional subscriptions that close the cost gap with QuickBooks.

1,000+ integrations in the Xero App Store
Multi-currency (160+) at the $80/month Established plan
Open REST API for custom integrations
Dominant in UK, Australia, and New Zealand
No native US payroll, requires Gusto or ADP
Weaker US accountant ecosystem compared to QuickBooks

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4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

QuickBooks vs Xero pricing breakdown

Xero costs less on entry and scales flat. QuickBooks costs more per plan but includes US payroll infrastructure and a stronger accountant ecosystem.

QuickBooks Online Pricing (2026)

Solopreneur: $20/month. 1 user. Self-employed workflows, mileage tracking, basic invoicing. No payroll.
Simple Start: $38/month. 1 user. Adds invoicing with payment links, expense tracking, bank feeds, basic reports.
Essentials: $75/month. 3 users. Adds bill management, time tracking, multi-user collaboration.
Plus: $115/month. 5 users. Adds inventory, project cost tracking, budgeting, 1099 management.
Advanced: $275/month. 25 users. Adds multi-currency, custom roles, revenue forecasting, priority support.

Payroll is a separate add-on: Core adds $50/month plus $6.50 per employee. Premium adds $88/month plus $10 per employee and includes QuickBooks Time Premium.

Xero Pricing (2026)

Early: $20/month. Unlimited users. 20 invoices/month limit, 5 bills/month, bank reconciliation, Hubdoc.
Growing: $47/month. Unlimited users. Unlimited invoices and bills, everything in Early.
Established: $80/month. Unlimited users. Adds multi-currency (160+ currencies), Projects, expenses tracking.

Xero has no native US payroll. Gusto integration starts at $49/month plus $6 per employee.

What growing teams actually pay

For a 6-person team needing time tracking and invoicing:

QuickBooks Essentials caps at 3 users, so a 6-person team needs Plus at $115/month (5 users) or Advanced at $275/month (25 users)
Xero Growing at $47/month covers unlimited users with full invoicing, no plan upgrade required

Once payroll is added, QuickBooks at Plus+Payroll Core runs approximately $165/month for 5 users plus per-employee fees. Xero at Growing+Gusto runs approximately $96/month plus per-employee fees. For US teams with payroll, the gap closes but Xero stays cheaper. All-in-one platforms like Plutio start at $19/month for proposals, contracts, projects, time tracking, invoicing, and client portals without accounting.

Which tool fits your business?

QuickBooks and Xero both handle accounting, but they suit different business profiles depending on location, team size, and payroll needs.

US-based small businesses with employees

QuickBooks is the default here. Native payroll integration, deep US tax compliance, 1099 management, and the ProAdvisor network make it the lowest-friction choice for businesses that need to run payroll alongside bookkeeping. Xero requires a separate Gusto subscription and introduces a sync dependency that QuickBooks avoids. For any US business with W-2 employees or contractors, QuickBooks reduces the number of systems involved.

Growing teams that keep hitting user limits

Xero has a structural advantage here. A 6-person team on Xero Growing pays $47/month regardless of headcount. The same team on QuickBooks needs the Advanced plan at $275/month to stay under one account. For agencies, consultancies, and service businesses where multiple team members need accounting access, Xero's flat pricing removes a persistent friction point.

International and multi-currency businesses

Xero's Established plan at $80/month includes 160+ currencies. QuickBooks requires the $275/month Advanced plan for multi-currency. For any business billing clients in USD and GBP, EUR, AUD, or other currencies, Xero costs $195 less per month for the same capability. For UK, Australia, and NZ-based businesses, Xero also includes native payroll that QuickBooks doesn't support.

Freelancers and sole proprietors billing hourly

Both tools handle basic hourly billing. QuickBooks Simple Start covers one user at $38/month with invoicing and payment links. Xero Early at $20/month covers one user with invoicing, though the 20-invoice limit constrains active freelancers. At the time-tracking level (QuickBooks Essentials at $75/month vs. Xero Established at $80/month), pricing is nearly identical. Neither tool handles proposals, contracts, or client-facing portals at any price.

Businesses that also need client management

Neither QuickBooks nor Xero handles the pre-accounting workflow: proposals, contracts, project tracking, and client communication. Service businesses manage client work in separate tools (Asana, HoneyBook, Dubsado) and export invoices into QuickBooks or Xero for accounting. Platforms like Plutio cover both workflows in one subscription.

What both tools are missing

QuickBooks and Xero are accounting platforms. Once the work involves winning clients, delivering projects, and managing ongoing relationships, both require significant supplementary tools.

No client proposals or contracts

Neither QuickBooks nor Xero has a proposal builder or contract management workflow. A business using either tool for invoicing still needs a separate proposal tool (PandaDoc, Better Proposals), a contract tool (DocuSign, HelloSign), and a way to connect them. Proposals created in PandaDoc don't talk to QuickBooks projects. Contracts signed in DocuSign don't create QuickBooks customers automatically. Someone has to copy the client name, project name, and billing details by hand every time.

No client portal

Clients don't log into either QuickBooks or Xero. Invoices go out by email. Status updates go out by email. Deliverables get shared through Dropbox or Google Drive. There's no branded portal where a client can see project status, approve work, and pay an invoice in one place. Service businesses that want to give clients a professional, self-serve experience use a separate tool on top of their accounting platform.

Project management stops at billing

QuickBooks Plus and Xero Projects both track time against projects for billing purposes. Neither has task boards, milestones, kanban views, or deliverable tracking. For a freelancer managing five active projects with different deliverable stages, both tools require a dedicated project management tool running alongside the accounting tool. Each project lives in two places at once.

CRM that's just a contact list

Both platforms have customer records attached to invoices and billing history. Neither has lead pipelines, contact activity timelines, or deal stages. A freelancer who wants to track prospects, schedule follow-ups, and manage proposals alongside client work needs a separate CRM. Neither QuickBooks nor Xero provides one.

What users do when accounting alone isn't enough

Most service businesses running on QuickBooks or Xero also run 3-5 other tools alongside the accounting platform. The question is whether those tools justify their cost and the time spent on handoffs.

The typical tool stack

QuickBooks or Xero for accounting and invoicing ($20-275/month)
PandaDoc or Better Proposals for proposals ($19-49/month)
DocuSign or HelloSign for contracts ($10-25/month)
Asana or ClickUp for project management ($7-19/user/month)
Toggl or Harvest for time tracking ($0-18/user/month)
Copilot or a custom portal for client access ($29-99/month)

A full stack runs $85-485 per month before per-user and per-employee costs. That's five or six logins, each with its own data that doesn't automatically sync with the others.

The handoff problem

A proposal accepted in PandaDoc creates a client in QuickBooks manually. A signed contract in DocuSign creates a project in Asana manually. Time tracked in Toggl exports to a CSV that gets imported into QuickBooks manually. Each of those manual steps takes 10-20 minutes and introduces the risk of discrepancies between systems. Across 20 clients per year, those handoffs consume 30-60 hours of admin time.

The one-platform alternative

Platforms like Plutio cover the workflow from proposal to paid invoice in a single system. A proposal accepted by the client creates a project automatically. Time tracked against tasks flows directly to an invoice. The client checks progress and pays through a branded portal on a custom domain. Plutio doesn't replace the accountant's general ledger (QuickBooks or Xero still handle the books), but it eliminates the multi-tool stack for everything between winning a client and issuing an invoice.

Final verdict: QuickBooks vs Xero

The right choice between QuickBooks and Xero depends almost entirely on geography, team size, and whether payroll is part of the requirement.

QuickBooks fits when:

The business is US-based and needs native payroll integration in the same system as the general ledger
1099 management, US tax compliance, and the ProAdvisor accountant network are priorities
The team is small (under 5 users) and won't hit user caps in the short term
Inventory tracking with FIFO costing or lot tracking is required

The cost: User limits force upgrades as teams grow. Multi-currency requires the $275/month Advanced plan. Time tracking and project cost tracking both require plan upgrades.

Xero fits when:

The business is based in or bills clients in the UK, Australia, or New Zealand
Multiple team members need accounting access and user caps would force expensive QuickBooks plan upgrades
Multi-currency billing across different countries is a requirement below the $275/month threshold
US payroll is handled through Gusto or another third-party and a direct QuickBooks integration isn't essential

The cost: No native US payroll adds a Gusto subscription. The mobile app gets lower ratings than QuickBooks. Add-on costs for expenses and projects add to the base price.

Consider a broader platform if:

Proposals, contracts, and client portals are part of the workflow alongside invoicing
Multiple tools are already running in parallel and manual handoffs between them consume hours each week
The primary business goal is winning and delivering client work, not bookkeeping

Note: Switching accounting platforms involves migrating transaction history, chart of accounts, and reporting. For businesses with years of data in QuickBooks or Xero, the migration effort is significant. Platforms like Plutio complement rather than replace accounting software by handling the pre-accounting client workflow.

The bottom line: QuickBooks for US payroll and the accountant ecosystem. Xero for unlimited users and international billing at a lower mid-tier cost. Neither tool handles proposals, client portals, or contracts. If the business spends as much time managing client relationships as recording transactions, the comparison table below shows how Plutio fills the gap.

Research & Sources

This comparison is based on official product documentation, user reviews across major platforms, and verified pricing data. All data was checked in February 2026.

Research methodology

Each platform was evaluated through official pricing pages, feature documentation, and analysis of user reviews on G2, Capterra, and Trustpilot. The focus was on facts verifiable from primary sources rather than marketing claims. Pricing was confirmed from official QuickBooks and Xero pricing pages. Negative review analysis drew on 1-3 star reviews where users describe specific limitations.

Platform ratings (February 2026)

QuickBooks Online: 4.0/5 on G2 (~3,667 reviews), 4.3/5 on Capterra (~8,330 reviews), 1.1/5 on Trustpilot (1,176 reviews, dominated by billing and support complaints)
Xero: 4.4/5 on G2 (~1,505 reviews), 4.4/5 on Capterra (~3,246 reviews), 4.1/5 on Trustpilot (10,530 reviews)
Plutio: 4.6/5 on G2 (200+ reviews), praised for all-in-one coverage and white-labeling

Common user complaints (from 1-3 star reviews)

QuickBooks users frequently mention: "Pricing has increased dramatically year over year," "Customer support has 6-hour hold times and agents don't know accounting," "Unauthorized charges after cancellation," "Forced migration from Desktop to Online with feature loss"

Xero users frequently mention: "No phone support and email responses take hours," "Bank feeds disconnect without warning," "Expenses module replaced with a worse paid add-on," "Mobile app is missing features that exist on desktop"

Pricing sources (verified February 2026)

QuickBooks Online: Official pricing page
QuickBooks Payroll: Official payroll pricing
Xero: Official pricing page
Plutio: Official pricing page

Feature verification

If you find any inaccuracies or outdated information, please let us know so we can investigate and update.

QuickBooks vs Xero vs Plutio: full feature comparison

See how all three platforms compare on invoicing, time tracking, user limits, payroll, and client management

PRICING Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Starting price	$19/month (Core plan)	$38/month (Simple Start), promo: 50% off for first 3 months	Xero is accounting software with no proposals, contracts, or client portal
Free plan	No free plan (14-day trial available)	No free plan (30-day trial)	Xero is accounting software with no proposals, contracts, or client portal
Trial period	14-day free trial	30-day free trial	Xero is accounting software with no proposals, contracts, or client portal
PROJECT MANAGEMENT Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Manage projects and tasks	Fully flexible project and task setup you can shape to your workflow	Basic project tracking (Plus plan and above, limited to budgets and time)	Xero is accounting software with no proposals, contracts, or client portal
Project roles and permissions	Control exactly who can view or edit each part of a project	No project-level roles or permissions	Xero is accounting software with no proposals, contracts, or client portal
Multiple task boards	Unlimited boards to run parallel workflows in the same project	No Kanban, Gantt, or calendar views	Xero is accounting software with no proposals, contracts, or client portal
Embeddable project boards	Live project boards embedded into client portals or websites	No embeddable boards	Xero is accounting software with no proposals, contracts, or client portal
Sharable project boards	Read-only public links for sharing progress without risk	No sharable boards	Xero is accounting software with no proposals, contracts, or client portal
Project stages and milestones	Define custom project lifecycles for different types of work	No custom project statuses	Xero is accounting software with no proposals, contracts, or client portal
Connected proposals, contracts, and invoices	Everything related stays connected to the project automatically	Projects link to invoices and expenses (no proposals or contracts)	Xero is accounting software with no proposals, contracts, or client portal
Custom project data fields	Track, sort, filter, and report on custom project data	No custom project fields	Xero is accounting software with no proposals, contracts, or client portal
Kanban boards	Drag-and-drop tasks across customizable columns	No Kanban board	Xero is accounting software with no proposals, contracts, or client portal
Table view	Bulk-edit tasks like a spreadsheet	Transaction list view within projects	Xero is accounting software with no proposals, contracts, or client portal
List view	Clean task lists with clear hierarchy	Transaction list view within projects	Xero is accounting software with no proposals, contracts, or client portal
Calendar view	See tasks and deadlines on a calendar	No calendar view	Xero is accounting software with no proposals, contracts, or client portal
Gantt view	Plan work visually with task order and dependencies	No Gantt chart	Xero is accounting software with no proposals, contracts, or client portal
Subtasks	Break work down into multiple nested levels	No subtask support	Xero is accounting software with no proposals, contracts, or client portal
Email to task	Turn emails into tasks without manual copying	No email to task	Xero is accounting software with no proposals, contracts, or client portal
Task comments	Keep discussions tied directly to each task	No task management system	Xero is accounting software with no proposals, contracts, or client portal
Task attachments	Store files directly on the task they belong to	No task management system	Xero is accounting software with no proposals, contracts, or client portal
Task priorities	Define priority levels that fit your workflow	No task management system	Xero is accounting software with no proposals, contracts, or client portal
Task labels & color coding	Use unlimited labels to visually organize tasks	No task management system	Xero is accounting software with no proposals, contracts, or client portal
Multiple task assignees	Assign tasks to one or multiple teammates	No task assignees	Xero is accounting software with no proposals, contracts, or client portal
Task templates	Reuse task-level structures across projects	No task templates	Xero is accounting software with no proposals, contracts, or client portal
Task permissions	Control access at the individual task level	No task-level permissions	Xero is accounting software with no proposals, contracts, or client portal
Task dependencies	Prevent work from starting out of order	No task dependencies	Xero is accounting software with no proposals, contracts, or client portal
Recurring tasks	Automate repeating work with flexible schedules	Recurring transactions only (not tasks)	Xero is accounting software with no proposals, contracts, or client portal
Custom task data fields	Add task-level fields for tracking custom details	No custom task fields	Xero is accounting software with no proposals, contracts, or client portal
TIME TRACKING Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Time tracking system	Easily track time using timers or manual entries	Built-in time tracking (Essentials plan and above)	Xero is accounting software with no proposals, contracts, or client portal
Task-level tracking	Log time directly against tasks and subtasks	Time tracked per service item and project (not per task)	Xero is accounting software with no proposals, contracts, or client portal
Project-level tracking	See time spent per project and per client	Time tracked per project (Plus and Advanced plans)	Xero is accounting software with no proposals, contracts, or client portal
Billable time tracking	Clearly separate billable and non-billable time	Billable and non-billable time categorization	Xero is accounting software with no proposals, contracts, or client portal
Billable time invoicing	Turn tracked time into invoices without extra steps	Add billable time directly to invoices	Xero is accounting software with no proposals, contracts, or client portal
Timesheet reports	View detailed time reports by task, project, or client	Detailed time reports available	Xero is accounting software with no proposals, contracts, or client portal
Team timesheets	See how each team member tracks their time	Team timesheets with weekly view (Essentials plan and above)	Xero is accounting software with no proposals, contracts, or client portal
PROPOSALS Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Create and send proposals	Create proposals clients can review, approve, and sign in one flow	Estimates only (not full proposals)	Xero is accounting software with no proposals, contracts, or client portal
Drag-and-drop proposal builder	Create custom, branded proposals without layout limits or code	No visual proposal builder	Xero is accounting software with no proposals, contracts, or client portal
Reusable proposal templates	Reuse proven proposal layouts across clients	Estimate templates available (not full proposals)	Xero is accounting software with no proposals, contracts, or client portal
Real-time proposal analytics	See exactly when proposals are opened and reviewed	No proposal view tracking	Xero is accounting software with no proposals, contracts, or client portal
Live messenger on proposals	Answer questions directly while clients review proposals	No in-proposal messaging	Xero is accounting software with no proposals, contracts, or client portal
Proposal flow automation	Move from proposal to contract, invoice, or booking automatically	Estimate to invoice only	Xero is accounting software with no proposals, contracts, or client portal
Convert proposal to invoice	Create invoices directly from approved proposals	Convert estimates to invoices	Xero is accounting software with no proposals, contracts, or client portal
Packages and add-ons	Offer upsells and add-ons directly inside proposals	No packages or add-ons	Xero is accounting software with no proposals, contracts, or client portal
Interactive pricing tables	Let clients choose options before approving	Static pricing only	Xero is accounting software with no proposals, contracts, or client portal
Dynamic data and variables	Auto-fill proposal content with client and project data	Basic placeholders available	Xero is accounting software with no proposals, contracts, or client portal
Expiration dates	Automatically expire proposals after a set date	Manual expiry dates on estimates	Xero is accounting software with no proposals, contracts, or client portal
PDF Export	Download as branded PDFs	PDF export included	Xero is accounting software with no proposals, contracts, or client portal
Reusable content blocks	Create reusable proposal sections you can reuse on demand	No reusable content blocks	Xero is accounting software with no proposals, contracts, or client portal
Legally binding e-signatures	Collect secure electronic signatures on proposals	Basic e-signature on estimates (DocuSign integration on Advanced plan)	Xero is accounting software with no proposals, contracts, or client portal
Custom proposal data fields	Create custom proposal data you can sort, filter, and report on	Custom fields on Advanced plan only	Xero is accounting software with no proposals, contracts, or client portal
CONTRACTS Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Create and sign contracts	Create, send, and sign contracts in one continuous flow	QuickBooks Online does not handle contracts	Xero is accounting software with no proposals, contracts, or client portal
Drag-and-drop contract builder	Create fully custom contracts with flexible layouts, no code or formatting limits	No contract builder	Xero is accounting software with no proposals, contracts, or client portal
Legally binding e-signatures	Collect secure signatures with audit trails and signer verification	No e-signatures on contracts	Xero is accounting software with no proposals, contracts, or client portal
Multi-signature / signees	Collect signatures from multiple people on the same contract	No multi-signature support	Xero is accounting software with no proposals, contracts, or client portal
Reusable contract templates	Reuse contract structures to create new agreements faster	No contract templates	Xero is accounting software with no proposals, contracts, or client portal
Auto-reminders automation	Automatically follow up until contracts are signed	No contract reminders	Xero is accounting software with no proposals, contracts, or client portal
Dynamic data/variables	Auto-fill contract content with client and project data	No contract variables	Xero is accounting software with no proposals, contracts, or client portal
Contract automation triggers	Trigger automated workflows the moment a contract is signed	No contract automation triggers	Xero is accounting software with no proposals, contracts, or client portal
View notifications	See when contracts are opened and reviewed	Invoice and estimate view notifications only	Xero is accounting software with no proposals, contracts, or client portal
PDF download with signature certificate	Download signed contracts with official proof of signature	No contract signatures or certificates	Xero is accounting software with no proposals, contracts, or client portal
Custom signer data fields	Collect structured signer information during signing	No signer data fields	Xero is accounting software with no proposals, contracts, or client portal
Custom contract data fields	Create custom contract data you can sort, filter, and report on	No contract features	Xero is accounting software with no proposals, contracts, or client portal
INVOICES & PAYMENTS Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Create invoices and get paid	Send invoices and collect payments in one connected flow	Full invoicing with online payments (credit card, ACH, Apple Pay, PayPal, Venmo)	Xero is accounting software with no proposals, contracts, or client portal
Fully branded invoices	Match invoices to your brand with custom logos, colors, and layout	Customizable invoice branding with logo, colors, and layout	Xero is accounting software with no proposals, contracts, or client portal
Drag and drop invoice builder	Create custom invoice layouts visually without formatting limits	Template-based editor only	Xero is accounting software with no proposals, contracts, or client portal
Customizable line items	Edit pricing, quantities, descriptions, and structure freely	Fully customizable line items with products/services catalog	Xero is accounting software with no proposals, contracts, or client portal
Item or invoice discounts	Apply discounts at the item or full invoice level	Discounts supported	Xero is accounting software with no proposals, contracts, or client portal
Customizable taxes	Create tax rules that match your location and use case	Automated sales tax calculation	Xero is accounting software with no proposals, contracts, or client portal
ACH payments	Accept bank transfers for lower-fee payments	ACH bank payments supported	Xero is accounting software with no proposals, contracts, or client portal
Stripe integration	Accept credit and debit cards instantly	QuickBooks Payments built-in (Stripe via third-party integration)	Xero is accounting software with no proposals, contracts, or client portal
Square integration	Collect in-person payments when needed	Square integration for sales sync (not direct invoice payments)	Xero is accounting software with no proposals, contracts, or client portal
PayPal integration	Let clients pay using PayPal	PayPal and Venmo payments on invoices	Xero is accounting software with no proposals, contracts, or client portal
Flexible partial payments	Collect deposits and split payments across milestones	Partial payments supported	Xero is accounting software with no proposals, contracts, or client portal
Payment plans	Break invoices into scheduled installments	Recurring invoices only (no structured installment plans)	Xero is accounting software with no proposals, contracts, or client portal
Automated recurring invoices	Automatically send invoices on a recurring schedule	Automated recurring invoices with flexible schedules	Xero is accounting software with no proposals, contracts, or client portal
Subscription management	Manage ongoing client subscriptions and billing	Recurring invoices only (no subscription portal)	Xero is accounting software with no proposals, contracts, or client portal
Automated payment reminders	Follow up automatically until invoices are paid	Automated late payment reminders	Xero is accounting software with no proposals, contracts, or client portal
Reusable invoice templates	Reuse invoice layouts without rebuilding each time	Reusable invoice templates available	Xero is accounting software with no proposals, contracts, or client portal
Multiple currency support	Bill clients globally in their local currency	Multi-currency supported (Essentials plan and above)	Xero is accounting software with no proposals, contracts, or client portal
Invoice automation triggers	Trigger automated workflows when invoices are sent or paid	Recurring transaction automation (custom workflows on Advanced only)	Xero is accounting software with no proposals, contracts, or client portal
View notifications	See when invoices are opened and paid	Email notifications when invoices are viewed and paid	Xero is accounting software with no proposals, contracts, or client portal
Built-in expense tracking	Track project-related costs alongside invoices	Full expense tracking with receipt scanning, bank sync, and auto-categorization	Xero is accounting software with no proposals, contracts, or client portal
Invoice deposits	Collect upfront payments before work starts	Deposit invoicing supported	Xero is accounting software with no proposals, contracts, or client portal
Auto-invoice billable time	Turn tracked time into invoices automatically	Add billable time directly to invoices	Xero is accounting software with no proposals, contracts, or client portal
Custom invoice data fields	Create custom invoice data you can sort, filter, and report on	Custom fields on sales forms (3 fields on Plus, more on Advanced)	Xero is accounting software with no proposals, contracts, or client portal
INBOX Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Centralized unified inbox	Manage email, chat, and messages from one shared inbox	No unified inbox	Xero is accounting software with no proposals, contracts, or client portal
Full email integration	Connect and manage all your email accounts in one place	No email integration (notifications only)	Xero is accounting software with no proposals, contracts, or client portal
Embeddable live chat	Add real-time chat to your website and client portals	No live chat	Xero is accounting software with no proposals, contracts, or client portal
Instant direct messages	Message teammates privately without leaving your workspace	No direct messaging	Xero is accounting software with no proposals, contracts, or client portal
Contextual project conversations	Keep conversations tied directly to the project they belong to	No project messaging	Xero is accounting software with no proposals, contracts, or client portal
Team channels	Create shared spaces for team-wide discussions	No team channels	Xero is accounting software with no proposals, contracts, or client portal
Customized channels	Organize channels by team, topic, or workflow	No channels	Xero is accounting software with no proposals, contracts, or client portal
@mentions	Notify teammates instantly inside conversations	No @mentions	Xero is accounting software with no proposals, contracts, or client portal
Message read receipts	See when messages are read	No read receipts	Xero is accounting software with no proposals, contracts, or client portal
File sharing in chat	Share files directly inside conversations	No chat feature	Xero is accounting software with no proposals, contracts, or client portal
Shared email inbox	Collaborate on incoming emails as a team	No shared inbox	Xero is accounting software with no proposals, contracts, or client portal
Inbox mobile app	Access and respond to messages on mobile	No inbox feature	Xero is accounting software with no proposals, contracts, or client portal
Email reply to inbox	Reply from your email client and keep conversations synced	No inbox feature	Xero is accounting software with no proposals, contracts, or client portal
FILES Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Store and manage files	Keep all client and project files in one organized place	File attachments on transactions (no centralized file manager)	Xero is accounting software with no proposals, contracts, or client portal
Advanced folder organization	Organize files by project, client, or structure you choose	No folder organization	Xero is accounting software with no proposals, contracts, or client portal
Folder permissions	Control who can view or edit folders	No folder permissions	Xero is accounting software with no proposals, contracts, or client portal
People folders	Group files by person when needed	No people folders	Xero is accounting software with no proposals, contracts, or client portal
Project folders	Keep files scoped to each project	Files organized within project transactions	Xero is accounting software with no proposals, contracts, or client portal
In-app previews	Preview files instantly without downloading	Basic file previews for receipts and documents	Xero is accounting software with no proposals, contracts, or client portal
Custom file data fields	Capture file metadata you can sort and filter	No custom file fields	Xero is accounting software with no proposals, contracts, or client portal
Built-in documents	Create and edit documents directly inside Plutio	No built-in document editor	Xero is accounting software with no proposals, contracts, or client portal
Comments on files and docs	Leave comments directly on files and documents	No file comments	Xero is accounting software with no proposals, contracts, or client portal
Bulk file actions	Move, tag, or manage many files at once	No bulk file actions	Xero is accounting software with no proposals, contracts, or client portal
Files search & filter	Find files quickly using search and filters	Basic search across transactions	Xero is accounting software with no proposals, contracts, or client portal
External cloud sync	Sync files with Google Drive or Dropbox	Google Drive and Dropbox integrations	Xero is accounting software with no proposals, contracts, or client portal
Secure sharing controls	Restrict access with permissions or passwords	Account-level role-based access	Xero is accounting software with no proposals, contracts, or client portal
File sharing links	Share files externally with controlled access	No shareable file links	Xero is accounting software with no proposals, contracts, or client portal
SCHEDULING Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Schedule meetings	Let clients book meetings directly without back-and-forth emails	QuickBooks Online does not have scheduling	Xero is accounting software with no proposals, contracts, or client portal
Branded booking page	Build a fully branded, customizable booking system using a drag-and-drop editor	No booking pages	Xero is accounting software with no proposals, contracts, or client portal
Advanced availability management	Define flexible availability rules applied automatically to bookings	No availability management	Xero is accounting software with no proposals, contracts, or client portal
Automatic buffer times	Add buffer time automatically between meetings	No buffer times	Xero is accounting software with no proposals, contracts, or client portal
Multiple meeting types	Create unlimited booking types with different rules and setups	No meeting types	Xero is accounting software with no proposals, contracts, or client portal
Calendar sync (Google/Outlook)	Two-way calendar sync that stays up to date automatically	No calendar sync for scheduling	Xero is accounting software with no proposals, contracts, or client portal
Customizable booking confirmations	Fully customizable confirmation pages with no layout or branding limits	No booking confirmations	Xero is accounting software with no proposals, contracts, or client portal
Redirect after booking	Send bookers anywhere after scheduling, not just a fixed thank-you page	No booking system	Xero is accounting software with no proposals, contracts, or client portal
Booking automation triggers	Trigger automated workflows the moment a meeting is booked	No booking automation	Xero is accounting software with no proposals, contracts, or client portal
Smart meeting reminders	Send automatic reminders without manual follow-ups	No meeting reminders	Xero is accounting software with no proposals, contracts, or client portal
Automatic timezone detection	Handle timezones automatically without manual adjustments	Account timezone setting only	Xero is accounting software with no proposals, contracts, or client portal
Paid appointments (Stripe/PayPal)	Collect payments during booking without extra steps	No paid appointments	Xero is accounting software with no proposals, contracts, or client portal
Custom booking forms	Build booking forms with full control over questions and layout	No booking forms	Xero is accounting software with no proposals, contracts, or client portal
Minimum notice / daily booking limits	Set booking limits to control lead time and daily volume	No booking limits	Xero is accounting software with no proposals, contracts, or client portal
Rescheduling and cancellation controls	Define flexible rules for rescheduling and cancellations	No scheduling controls	Xero is accounting software with no proposals, contracts, or client portal
AUTOMATION Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Automated workflows builder	Build advanced workflows visually without code or rigid templates	Custom workflows (Advanced plan only, $275/month)	Xero is accounting software with no proposals, contracts, or client portal
Trigger-based workflows	Start workflows from real events across projects, clients, and payments	Bank rules and transaction triggers (custom workflows on Advanced only)	Xero is accounting software with no proposals, contracts, or client portal
Schedule-based workflows	Run workflows on schedules you control, not fixed intervals	Recurring transactions only (no independent schedule workflows)	Xero is accounting software with no proposals, contracts, or client portal
Multi-step workflows	Chain multiple actions into one continuous automation	Multi-condition workflows (Advanced plan only)	Xero is accounting software with no proposals, contracts, or client portal
True/False branching	Create conditional paths instead of one-size-fits-all flows	Conditional approval workflows (Advanced plan only)	Xero is accounting software with no proposals, contracts, or client portal
Delay-based actions	Add precise timing between steps, down to minutes or days	Payment reminder delays only	Xero is accounting software with no proposals, contracts, or client portal
Create & update records	Create, update, or move records automatically across the system	Auto-create recurring invoices and transactions	Xero is accounting software with no proposals, contracts, or client portal
Move & duplicate records	Reorganize work automatically without manual cleanup	Duplicate estimates and transactions manually	Xero is accounting software with no proposals, contracts, or client portal
Delete & archive records	Automatically archive or remove records based on rules	Manual deletion and voiding only	Xero is accounting software with no proposals, contracts, or client portal
API calls (webhooks)	Trigger or receive real-time events from external systems	Full REST API and webhooks via Intuit Developer Platform	Xero is accounting software with no proposals, contracts, or client portal
Send emails	Send automated emails tied to real workflow events	Automated invoice and reminder emails	Xero is accounting software with no proposals, contracts, or client portal
Post comments	Add notes or comments automatically where work happens	No automated comments	Xero is accounting software with no proposals, contracts, or client portal
Complete automation logs	See exactly what ran, when, and why	Audit trail tracks all user actions and changes	Xero is accounting software with no proposals, contracts, or client portal
Auto-fill data/variables	Pass data between steps dynamically without manual mapping	Basic invoice placeholders	Xero is accounting software with no proposals, contracts, or client portal
Cross-entity connections	Run workflows that span projects, tasks, proposals, invoices, and more	Invoices link to projects and customers (limited cross-entity scope)	Xero is accounting software with no proposals, contracts, or client portal
FORMS Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Create branded forms	Build fully branded forms that match your workflow and client experience	No form builder	Xero is accounting software with no proposals, contracts, or client portal
Drag-and-drop form builder	Design forms visually with full layout control, no code required	No form builder	Xero is accounting software with no proposals, contracts, or client portal
Reusable form templates	Reuse form structures without rebuilding from scratch	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Custom form data fields	Collect structured data you can sort, filter, and report on	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Smart conditional logic	Show or hide fields based on responses, not static forms	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Instant email notifications	Get notified immediately when forms are submitted	Invoice and payment notifications only	Xero is accounting software with no proposals, contracts, or client portal
Form automation triggers	Trigger automated workflows when a form is submitted	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Embed forms	Embed forms anywhere without layout restrictions	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Advanced field preferences	Control required, hidden, and default field behavior	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Comprehensive field types	Collect text, files, dates, selections, and more	No form feature	Xero is accounting software with no proposals, contracts, or client portal
Form signature field	Collect legally binding signatures directly inside forms	No form feature	Xero is accounting software with no proposals, contracts, or client portal
File upload fields	Accept file uploads as part of form submissions	Receipt capture via mobile app (not form-based)	Xero is accounting software with no proposals, contracts, or client portal
Redirect after submission	Send submitters to a custom next step, not a fixed thank-you page	No form feature	Xero is accounting software with no proposals, contracts, or client portal
CRM Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Manage clients and leads	Manage contacts and companies in one connected system	Basic customer and vendor contact management (no pipeline or lead tracking)	Xero is accounting software with no proposals, contracts, or client portal
Full company management	Track organizations, not just individual contacts	Customer records for individuals and companies (basic info only)	Xero is accounting software with no proposals, contracts, or client portal
Custom contact data fields	Collect and manage structured contact data you define	Custom fields on customers (all plans)	Xero is accounting software with no proposals, contracts, or client portal
Complete activity timeline	See every interaction with a client in one place	Full transaction history per customer	Xero is accounting software with no proposals, contracts, or client portal
Contacts labeling and grouping	Organize contacts flexibly without rigid pipelines	Customer types and sub-customers (no tags or segmentation)	Xero is accounting software with no proposals, contracts, or client portal
WIKI Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Comprehensive knowledge base	Create an internal wiki for processes, docs, and guides	No knowledge base	Xero is accounting software with no proposals, contracts, or client portal
Beautiful rich text pages	Write structured, formatted content without complexity	No rich text pages	Xero is accounting software with no proposals, contracts, or client portal
Unlimited nested pages	Build deep knowledge hierarchies without limits	No nested pages	Xero is accounting software with no proposals, contracts, or client portal
Granular page permissions	Control exactly who can view or edit each page	No wiki feature	Xero is accounting software with no proposals, contracts, or client portal
DASHBOARDS Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Custom dashboards and pages	Build dashboards around what matters to you, not fixed metrics	Performance Center, custom reports, and Business Performance dashboard (Fathom removed July 2022)	Xero is accounting software with no proposals, contracts, or client portal
Drag-and-drop dashboard builder	Design dashboards visually with full layout control	No custom dashboard builder	Xero is accounting software with no proposals, contracts, or client portal
Charts widget	Visualize data with customizable charts	Financial charts (P&L, cash flow, expense breakdown)	Xero is accounting software with no proposals, contracts, or client portal
Metrics widget	Track key numbers without manual reporting	Key financial metrics displayed	Xero is accounting software with no proposals, contracts, or client portal
Goals widget	Monitor progress toward defined goals	No goals widget	Xero is accounting software with no proposals, contracts, or client portal
Notes widget	Add contextual notes directly to dashboards	No notes widget	Xero is accounting software with no proposals, contracts, or client portal
Calendar widget	View upcoming events alongside work and metrics	No calendar widget	Xero is accounting software with no proposals, contracts, or client portal
Financial widgets	Track revenue and expenses in the same view	Comprehensive financial widgets (P&L, balance sheet, cash flow, A/R, A/P)	Xero is accounting software with no proposals, contracts, or client portal
BRANDING Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
White-label and branding	Run the entire platform under your brand	Branding on invoices only (cannot remove QuickBooks branding)	Xero is accounting software with no proposals, contracts, or client portal
Custom interface theme	Apply your brand colors across the system	Color themes on Deliver+ (no Free plan theme customization)	Xero is accounting software with no proposals, contracts, or client portal
Stylesheet customization	Fine-tune styling beyond basic theming	No custom CSS	Xero is accounting software with no proposals, contracts, or client portal
Custom login/signup pages	Use branded authentication pages instead of generic screens	No custom login pages	Xero is accounting software with no proposals, contracts, or client portal
Email branding	Send all system emails with your branding	Logo on emails (limited customization)	Xero is accounting software with no proposals, contracts, or client portal
Custom brand fonts	Use your own fonts throughout the platform	No custom fonts	Xero is accounting software with no proposals, contracts, or client portal
Custom brand logos	Replace all platform logos with your own	Logo upload on invoices and sales forms	Xero is accounting software with no proposals, contracts, or client portal
Custom domain name	Run everything on your own domain	No custom domain	Xero is accounting software with no proposals, contracts, or client portal
Custom email SMTP	Send emails from your own email infrastructure	No custom SMTP	Xero is accounting software with no proposals, contracts, or client portal
Full workspace embedding	Embed Plutio directly into your website or product	No workspace embedding	Xero is accounting software with no proposals, contracts, or client portal
CUSTOMIZATION Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Flexible workspace setup	Shape the platform to match how your business works	Fixed workspace structure	Xero is accounting software with no proposals, contracts, or client portal
Main menu editor	Add, remove, or reorder navigation items freely	Dashboard report tiles can be rearranged (limited menu control)	Xero is accounting software with no proposals, contracts, or client portal
User-based menus	Show different navigation for different roles	Menu varies by user role (not customizable)	Xero is accounting software with no proposals, contracts, or client portal
Custom user roles	Create role types beyond preset permissions	Custom roles on Advanced plan only ($275/month)	Xero is accounting software with no proposals, contracts, or client portal
Advanced user permissions	Control access at a granular level	Role-based permissions (custom roles on Advanced plan only)	Xero is accounting software with no proposals, contracts, or client portal
SSO / OAuth	Support enterprise-grade single sign-on	No SSO for end users (OAuth 2.0 for API only)	Xero is accounting software with no proposals, contracts, or client portal
INTEGRATIONS Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Connect with other tools	Integrate with external systems without lock-in	800+ integrations in the QuickBooks App Store	Xero is accounting software with no proposals, contracts, or client portal
Zapier integration	Connect to thousands of apps without custom code	Zapier integration supported	Xero is accounting software with no proposals, contracts, or client portal
Make.com integration	Build advanced automation scenarios visually	Make.com integration available	Xero is accounting software with no proposals, contracts, or client portal
Pabbly Connect	Connect services without usage-based limits	Possible via API	Xero is accounting software with no proposals, contracts, or client portal
Full REST API access	Build custom integrations with full system access	Full REST API via Intuit Developer Platform	Xero is accounting software with no proposals, contracts, or client portal
Incoming & outgoing webhooks	Send and receive real-time events	Webhooks supported via developer platform	Xero is accounting software with no proposals, contracts, or client portal
PLATFORM Collapse	Plutio 198/199	QuickBooks Online 43/199	Xero 0/198
Mobile apps	Access your business from native mobile apps	iOS and Android apps with receipt scanning and mileage tracking	Xero is accounting software with no proposals, contracts, or client portal
iOS app	Full-featured iPhone app	Full iOS app available	Xero is accounting software with no proposals, contracts, or client portal
Android app	Full-featured Android app	Full Android app available	Xero is accounting software with no proposals, contracts, or client portal
Mac desktop app	Native macOS app for desktop workflows	No Mac desktop app (QuickBooks Online is web-based only)	Xero is accounting software with no proposals, contracts, or client portal
Windows desktop app	Native Windows app for desktop workflows	No Windows desktop app (QuickBooks Online is web-based only)

QuickBooks vs Xero: frequently asked questions

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