Compare
Bill.com vs Xero
Xero offers cloud accounting and invoicing but lacks Bill.com's integrated spend, expense, and credit card features.
Short answer: Pick Bill.com if you want integrated AP/AR and expense automation; pick Xero if you want all-in-one cloud accounting. Bill.com starts at $49/month per user; Xero has a free plan.
Which to pick
Pick Bill.com if you want…
- Integrated AP/AR and expense automation
Pick Xero if you want…
- All-in-one cloud accounting
- Cloud accounting with basic AP/AR
- A free plan to start with
Side by side
- What it is
- Bill.com:Bill.com is a cloud platform that automates accounts payable, accounts receivable, spend and expense management, and offers business credit.
- Xero:Xero is online accounting software that connects banks, accountants, and business apps to manage finances.
- Best for
- Bill.com:Integrated AP/AR and expense automation
- Xero:All-in-one cloud accounting
- Who it’s for
- Bill.com:Finance teams, accountants, and small-to-mid-size businesses that need automated AP/AR and expense control.
- Xero:Small to medium businesses needing accounting, invoicing, payroll, and cash-flow tools.
- Pricing
- Bill.com:Paid
- Xero:Freemium
- Starting price
- Bill.com:$49/month per user (Essentials)
- Xero:—
- Free plan or trial
- Bill.com:Free trial
- Xero:Free trial
- Plans
- Bill.com:Essentials $49 per user per month · Team $65 per user per month · Corporate $89 per user per month
- Xero:—
- Works with
- Bill.com:QuickBooks Online, QuickBooks Pro, QuickBooks Premier, Xero, Oracle NetSuite, Sage Intacct, Microsoft Dynamics
- Xero:—
Bill.com features
- Automated Payments. Import bills and auto-pay vendors via ACH, check, card or international transfers.
- Approval Workflows. Auto-route bills for approval based on custom company policies.
- 2-Way Sync. Synchronize data automatically with QuickBooks, Xero, NetSuite, Sage Intacct and more.
- Business Credit. Apply for credit lines from $1K-$5M and use virtual cards with rewards.
- Spend & Expense Visibility. Track company spend, manage budgets and reimbursements in one view.
- API Access. Integrate Bill.com with other systems via a full API.
Xero features
- Smart Document Capture. Automatically pulls bills and receipts into Xero for organized records.
- Real-time cash-flow insights. Provides live reports and forecasts to help manage cash flow.
- Invoicing & payments. Create, send, and accept online invoice payments with ACH included.
- Bank reconciliation. Auto-reconcile bank transactions to keep books up to date.
- Payroll integration. Xero Payroll powered by Gusto handles payroll taxes and compliance.
- Performance dashboards. Customizable dashboards and health scorecards for financial analytics.
Bill.com vs Xero FAQ
What is the difference between Bill.com and Xero?+
Xero offers cloud accounting and invoicing but lacks Bill.com's integrated spend, expense, and credit card features.
Should I use Bill.com or Xero?+
Pick Bill.com if you want integrated AP/AR and expense automation. Pick Xero if you want all-in-one cloud accounting, cloud accounting with basic AP/AR or a free plan to start with.
Is Bill.com or Xero free?+
Bill.com is paid, from $49/month per user (Essentials), with a free trial. Xero has a free plan and paid plans.
On DevHunt
Based on each tool's website and DevHunt data. Details may change; check the official sites.