FreeAgent
Xero
Comparison
FreeAgent vs Xero
A data-driven, side-by-side comparison for UK businesses. Provider data is verified by our research team and every review is moderated before publishing.
Updated 5 July 2026
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At a glance
Who wins, category by category
Category-by-category winners based on verified user ratings, each scored out of 5.
FreeAgent
Xero
Analytics
Ratings, visualised
The four dimensions every reviewer rates, shown two ways — bars for side-by-side magnitude, gauges for the head-to-head on each.
Rating by category
Head to head by category
Sentiment
How reviewers feel
Positive (4 to 5 stars), neutral (3 stars) and negative (1 to 2 stars) sentiment across all verified reviews.
FreeAgentPositive sentiment
- Positive82%
- Neutral13%
- Negative5%
XeroPositive sentiment
- Positive80%
- Neutral4%
- Negative16%
Pricing
Pricing compared
Entry price, free plans and trials at a glance. A lower starting price is not everything, but it is where most UK businesses begin.
FreeAgent
£19/month
Xero
US$20/month
Prices are shown in each vendor's billing currency and aren't directly comparable — check the live exchange rate before deciding.
FreeAgent
Free trialUK-built cloud accounting with Making Tax Digital for VAT and Income Tax, Self Assessment filing and HMRC-recognised submissions.
- Making Tax Digital for VAT
- Self Assessment filing
- Free with NatWest/RBS
Xero
Free trialGlobal cloud accounting platform with strong bank feeds, app marketplace and unlimited users on every plan.
- Unlimited users
- Bank reconciliation
- App marketplace
Features
Full feature comparison
Every data point we track for FreeAgent and Xero, side by side.
Head to head
Verified data & user ratings
- Making Tax Digital for VAT
- Self Assessment filing
- Free with NatWest/RBS
- Unlimited users
- Bank reconciliation
- App marketplace
Voices
What real users say
The strongest praise and the most common complaint, pulled from verified reviews of each product.
FreeAgentMegan Vaughan
Company Director, 201-500 employees
“The tax timeline shows exactly what is due and when, so nothing sneaks up on me.”
Megan J.
Bookkeeper, 501-1000 employees
“No stock control.”
XeroDebbie M.
Owner, 1-10 employees
“The dashboard is easy to use, the reporting functions work well, and I’m not aware of any bugs or issues. Recording transactions is straightforward, and keeping bank activity up to date is simple.”
Daryl E.
Consultant, 11-50 employees
“The downhill trajectory of the UI and UX. Every change to the UI brings a couple of good things, and a bag of dicks. Changes used to be for the benefit of the user (you know, the one who is actually paying for the product). Now its for the benefit of the shareholders, and most times makes the UX much worse. Advertising plastered on the UI making the book keeper's job harder than it could be. Features that just don't work when they used to work fine (auto assigning the next ID on an imported invoice is a classic example of something that used to work and now doesn't, and has been promised to be fixed but here we are, 6 years later, and it still hasn't been given any developer time and probably wont.)”
Our verdict
FreeAgent leads 4/5Which should you choose?
On the data we track, FreeAgent leads in 4 of 5 categories. Weigh that against your budget and the features that matter most to your team.