BILL vs Xero: Pricing Comparison (2026)
BILL starts at $49/mo. Xero starts at $25/mo. Xero is $24/mo cheaper on the entry tier than BILL.
SMB accounts-payable + accounts-receivable automation platform (formerly Bill.com), IPO'd 2019 at $27B peak valuation. Positioned as the alternative to processing invoices manually or hacking QuickBooks Online for AP/AR workflows. Distinctive for 2-way sync with all major accounting platforms (QuickBooks, Xero, Sage Intacct, NetSuite) and BILL Divvy spend-management combined suite. Priced $49-$89/user/mo across Essentials/Team/Corporate published tiers plus Enterprise. Also charges per-transaction fees on top of subscription (ACH $0.59, checks $1.99, wire $19.99, international 1%). Popular with 5-100-person businesses running full AP/AR workflows.
Cloud accounting from New Zealand, publicly traded, ~$18B market cap. Positioned as the alternative to QuickBooks outside the US (dominant in UK, Australia, and NZ). Distinctive for its bank feed depth (5,000+ banks worldwide) and its global accountant marketplace. Priced $15-$78/mo across three tiers. Recently added AI features and payments infrastructure to defend against Stripe's push into billing. Best choice if your accountant is outside the US.
All plans compared
| # | Plan | BILL monthly | BILL annual | Xero monthly | Xero annual |
|---|---|---|---|---|---|
| 1 | Essentials / Early | 49 | 49 | 25 | 25 |
| 2 | Team / Growing | 65 | 65 | 55 | 55 |
| 3 | Corporate / Established | 89 | 89 | 90 | 90 |
| 4 | Enterprise | custom | custom | — | — |
What each is best for
SMB accounts-payable + accounts-receivable automation platform (formerly Bill.com), IPO'd 2019 at $27B peak valuation. Positioned as the alternative to processing invoices manually or hacking QuickBooks Online for AP/AR workflows. Distinctive for 2-way sync with all major accounting platforms (QuickBooks, Xero, Sage Intacct, NetSuite) and BILL Divvy spend-management combined suite. Priced $49-$89/user/mo across Essentials/Team/Corporate published tiers plus Enterprise. Also charges per-transaction fees on top of subscription (ACH $0.59, checks $1.99, wire $19.99, international 1%). Popular with 5-100-person businesses running full AP/AR workflows.
Cloud accounting from New Zealand, publicly traded, ~$18B market cap. Positioned as the alternative to QuickBooks outside the US (dominant in UK, Australia, and NZ). Distinctive for its bank feed depth (5,000+ banks worldwide) and its global accountant marketplace. Priced $15-$78/mo across three tiers. Recently added AI features and payments infrastructure to defend against Stripe's push into billing. Best choice if your accountant is outside the US.
At a glance
| BILL | Xero | |
|---|---|---|
| Free plan | — | — |
| Entry price | $49/mo | $25/mo |
| Enterprise available | Yes | Yes |
| Pricing model | — | Per Seat |
| Last verified | August 30, 2026 | August 26, 2026 |
| Full pricing | View full pricing | View full pricing |
Pricing last verified August 30, 2026. Tracked daily.