Head to head
FreeAgent vs Xero
Both platforms are scored with the same methodology and the same category rubric. Nothing on this page is influenced by advertising.
52/100 | 64/100Higher score | |
|---|---|---|
| Category rank | #6 | #2 |
| Confidence | High confidence | High confidence |
| External Reputation | 75 | 80 |
| AI Authority | 24 | 56 |
| Web Authority | 44 | 56 |
| Expert Assessment | 65 | 57 |
| TOP10 User Score | — | — |
| Pricing | £10/month excl. VAT (unincorporated landlord); £19/month excl. VAT for sole traders · free tier: £0.00 plan for holders of a NatWest, Royal Bank of Scotland or Ulster Bank business current account (for as long as the account is retained), or a Mettle account with at least one transaction a month; plus a 30-day free trial, cancel at any time | USD $25/month (Early), rising to $27/month from 1 October 2026 · free tier: No permanent free tier; one month free starting once business setup is finalized, with a reminder 7 days before it ends |
| Pricing model | Subscription | Subscription |
| Best for | UK limited companies, sole traders and contractors banking with NatWest, RBS, Ulster Bank or Mettle — that combination makes a full-featured, MTD-ready, payroll-capable package free indefinitely — and UK service businesses that bill by project or by time and value reachable UK phone support. | Small businesses that want invoicing inside a full double-entry ledger, teams needing many free user logins, and firms already working with an accountant in the Xero partner ecosystem. |
| Avoid if | You operate outside the UK, trade significantly in foreign currencies given reviewer-reported currency and balance-accuracy bugs, run a stock/product business (Stock is excluded on cash basis), need deep inventory or multi-entity features, or want a tier ladder to scale through. | You want a pure invoicing tool, bill only a handful of clients a month, need multi-currency or international payments on a budget, or require phone support when money or access is stuck. |
| Markets | SMB, Freelancers and contractors, Sole traders, Landlords, Accountants and bookkeepers | SMB, Accountants and bookkeepers, Agencies |
| Founded | — | — |
| Headquarters | — | — |
A higher TOP SCORE means more of the evidence favours that platform on this methodology — it is not a recommendation, and it does not account for your specific requirements. Advertisers are never declared the winner of a comparison.