Comparison — from the record, read 2026-09-03
FreeAgent vs Xero
Both ladders below were read from the vendors’ own pricing pages, in this market, on the dates shown. Nothing is converted: what you see is what each page showed a reader here.
What each one is
FreeAgentsite ↗pricing ↗
Paid plans start at £10/mo (UK Unincorporated Landlords); no free plan is published. The ladder we hold runs 4 paid tiers, topping out at £33/mo (UK Limited Companies).
Xerosite ↗pricing ↗
Cloud accounting software for small businesses and their accountants, strong on bank reconciliation and third-party apps. Paid plans start at £18/mo (Ignite); no free plan is published. The ladder we hold runs 4 paid tiers, topping out at £70/mo (Ultimate). It bills by country — entry $25/mo to a US reader and $29/mo in the eurozone, from our same-day reads.
The two ladders
FreeAgentsite ↗pricing ↗
read 2026-09-03 · GBP
| Plan | Price | What the page says |
|---|---|---|
| UK Limited Companies | £33/mo | |
| UK Partnerships or LLPs | £27/mo | |
| UK Sole Traders | £19/mo | |
| UK Unincorporated Landlords | £10/mo |
Xerosite ↗pricing ↗
read 2026-09-03 · GBP
| Plan | Price | What the page says |
|---|---|---|
| Ultimate | £70/mo | |
| Comprehensive | £55/mo | |
| Grow | £39/mo | |
| Ignite | £18/mo |
Where they differ
- Cheapest way in: FreeAgent at £10/mo, against Xero at £18/mo. That is the entry price in this market on the dates shown, not a judgement about which suits you.
- Free plans: neither publishes one. Any free access here is a trial, which is a deadline.
- How far each ladder goes: FreeAgent tops out at £33/mo, Xero at £70/mo. A deeper ladder is not a worse deal — it is a bill that keeps climbing if you keep growing.
- Xero: It bills by country — entry $25/mo to a US reader and $29/mo in the eurozone, from our same-day reads.
How to choose in this category
- Almost every vendor leads with a limited-time discount; the standing price after it is the real comparison.
- Plans differ in users and features more than in price — read the rows, not just the header.
- Several of these vendors charge different amounts by country; the table shows what each market pays.
Both ladders were read from the vendors’ own pricing pages as shown to a United Kingdom reader, on the dates beside each table. Nothing here is converted from another market and nothing is ordered by commission. Some links are affiliate links; they earn us a commission and change no number.
The method →