Is Accoru a good Xero alternative?

For freelancers and small businesses that want invoicing, payments, inventory and multi-currency on one plan, yes. Accoru costs $9 a month, $85 a year or $99 once for 5 years. If you want automatic bank feeds or payroll in the same product, Xero may suit you better.

How much does Xero cost in the US in 2026?

As of November 2026, Xero's US plans list at $27 (Early), $59 (Growing) and $97 (Established) a month. New US customers are offered a discount for the first 3 months.

How much would I save over 5 years?

Xero Early at $27 a month costs $1,620 over 5 years. Accoru's 5-Year Pass costs $99 for the same period, a difference of $1,521.

What are the limits on Xero's Early plan?

Early lets you send 20 invoices and enter 5 bills a month. Growing and Established remove those limits.

Which Xero plan includes multi-currency?

Multi-currency is on Xero Established ($97 a month). In Accoru, invoicing in 50+ currencies is part of the standard plan.

How many users does Xero include?

Xero includes unlimited users on every plan. Accoru has team invites with admin, accountant and viewer roles.

Does Accoru connect to my bank automatically?

No. Accoru has bank and cash accounts with deposits, withdrawals and transfers, but it does not import bank transactions automatically. Xero offers automatic bank feeds.

Accoru vs Xero

A side-by-side look at price, plan limits and features, for freelancers and small businesses in the US deciding between the two.

By the Accoru team Updated Nov 14, 2026 Xero prices checked November 2026

The short answer

Accoru costs $9 a month, $85 a year, or $99 once for 5 years, with every feature on one plan. Xero's US plans list at $27 to $97 a month: the cheapest caps you at 20 invoices and 5 bills a month, and multi-currency is on the top plan. Choose Accoru for a low, fixed cost with multi-currency and inventory included. Choose Xero if you want automatic bank feeds, unlimited users or payroll in the same product.

Side-by-side comparison

	Accoru	Xero (US)
Starting price	$9 / month	$27 / month (Early)
Highest price	$9 / month	$97 / month (Established)
Ways to pay	Monthly, yearly, or $99 once for 5 years	Monthly plans
Number of plans	1, with every feature	3
Users included	Team invites with admin, accountant and viewer roles	Unlimited on every plan
Invoice and bill limits	One plan, no feature tiers	Early: 20 invoices and 5 bills a month. Unlimited on Growing and Established
Multi-currency	Included, 50+ currencies	Established plan ($97 / month)
Inventory tracking	Included	Built-in tracking for up to 4,000 items; Inventory Plus is a paid add-on
Customer card payments	Your own Stripe or PayPal, no Accoru fee	Through Stripe: 2.9% + 30¢ for domestic cards
Automatic bank feeds	Not offered	Included
Payroll	Not offered	Paid add-on, powered by Gusto

Xero prices are standard US monthly list prices from Xero's US pricing page, checked November 14, 2026. Introductory discounts, taxes and add-ons are not included. Prices change, so check the current page before you decide.

Xero's US plans, explained

Xero sells three plans in the US. All of them include unlimited users. Early limits how many invoices you send and bills you enter each month, Growing removes those limits, and Established adds multi-currency, expenses and advanced cash flow tools.

Accoru has one plan. Every user gets the same 19 features, and the price doesn't change when you start invoicing in another currency.

Xero plan	Per month	Invoices / bills	Multi-currency	5 years
Early	$27	20 / 5 a month	—	$1,620
Growing	$59	Unlimited	—	$3,540
Established	$97	Unlimited	Included	$5,820
Accoru (all features)	$9	One plan	Included	$99

Work out what you'd pay

Pick the Xero plan you'd need and how long you expect to use it. The Accoru figure uses whichever of its three options is cheapest for that period.

Xero plan

Years

You'd save with Accoru $1,521 over 5 years, compared with Xero Early

Accoru · 5-Year Pass$99

Xero Early$1,620

Xero at US monthly list price. Xero offers new US customers a discount for the first 3 months, which lowers year one. Add-ons, payment fees and taxes excluded.

Which one is right for you?

Choose Accoru if you

✓want one plan with every feature for $9 a month or $99 for 5 years
✓invoice clients in other currencies and don't want to pay $97 a month for it
✓want customers to pay through your own Stripe or PayPal account, with no Accoru fee on top
✓send quotes that clients can accept online and turn into invoices

Xero may suit you better if you

•want bank transactions to come in automatically through bank feeds. Accoru doesn't connect to banks
•want to run payroll from your accounting software (Xero offers it as a Gusto-powered add-on)
•need unlimited users on every plan
•work with an accountant or bookkeeper who already runs your books in Xero

How Accoru handles the everyday work

The jobs most Xero users do every week, and how each one works in Accoru.

Quotes and invoices

Send branded quotation PDFs that clients accept or decline from a public link, then convert an accepted quote to an invoice in one click. Invoices support per-line discounts and taxes, shipping, part-payments, credit notes and write-offs, with email delivery tracking.

Features: Quotations · Invoices

Getting paid

Connect your own Stripe or PayPal account. Clients pay by card or PayPal from the invoice, the money goes straight to you, and the invoice is marked paid automatically. Accoru adds no fee per payment; Stripe or PayPal charge their usual processing fees. You can also record partial payments and allocate one payment across several invoices.

Features: Online Invoice Payments · Payments

Banking

Keep multiple bank and cash accounts with deposits, withdrawals and transfers, linked to your payments and bills, with a running balance that ties back to the ledger. Transactions are recorded in Accoru rather than pulled from your bank, which is the main difference from Xero's bank feeds.

Features: Banking

Recurring billing

Set a schedule once and Accoru creates recurring invoices, bills and expenses on its daily run, then sends automatic payment reminders.

Features: Recurring & Subscriptions

Multi-currency and tax

Invoice in 50+ currencies with exchange rates updated daily, and report in your base currency. Set custom, inclusive, exclusive or compound tax rates and apply them per line, item or document. Both are on the standard plan.

Features: Multi-currency · Taxes

Ledger, reports and your accountant

Every transaction posts to a double-entry general ledger with an editable chart of accounts, manual journals and a built-in trial balance. Reports include P&L, balance sheet, AR / AP aging and cash flow, and you can share read-only report links. Invite your accountant with the accountant role; every action is logged.

Features: General Ledger · Reports · Team & Roles

Included in every Accoru plan

There are no feature tiers. These are a few of the 19 features you get from day one.

See all features →

✓Quotations with online accept / decline
✓Invoices with public pay links
✓Recurring invoices, bills & expenses
✓Stripe & PayPal payments, no Accoru fee
✓Bank & cash accounts
✓Double-entry ledger & manual journals
✓P&L, balance sheet, AR / AP aging
✓Items & inventory
✓50+ currencies, daily FX rates
✓Client portal
✓10 PDF templates
✓Admin, accountant & viewer roles

Moving from Xero to Accoru

Accoru has no import tool, so you set your books up by hand, using your Xero records as the reference. Most small businesses switch at the start of a month or quarter, so the opening balances are clean. If you get stuck, email support@accoru.com and a person will help.

1Set up your companyAdd your logo, brand color, tax IDs, default terms and document numbering in Company Settings.
2Recreate your chart of accountsKeep your Xero chart of accounts open as a reference and set up the same accounts in Accoru's editable chart of accounts.
3Enter opening balancesPost your opening balances as a manual journal entry, then check them against the trial balance.
4Add customers, vendors and itemsSet up your contacts and your products and services catalogue with prices and tax rates.
5Connect payments and bankingLink your Stripe or PayPal account and add your bank and cash accounts. You're ready to send your first invoice.

How we compared

This page is published by Accoru, so we have an interest in the outcome. We kept to facts that can be checked on Xero's own US website: list prices, plan limits and which plan a feature is on. Xero is based in New Zealand and sells in many countries; we used its published US plans and prices. Where Xero is the better fit, we say so.

Sources: Xero US pricing plans: plan names, monthly prices, unlimited users, plan limits, multi-currency on Established, introductory discount

Xero Early plan details: 20 invoices and 5 bills

Xero inventory management: built-in tracking up to 4,000 items, Inventory Plus add-on

Xero pricing and fees for Stripe accounts: card fees

Xero bank feeds: automatic bank transaction import

Xero US payroll: payroll powered by Gusto

Accoru's own pricing and features pages
Last checked: Xero figures checked November 2026 (November 14, 2026)
Spotted something out of date?: Email support@accoru.com and we'll correct it.