Neo-Capital vs Xero
No entry-plan limits, several businesses on one subscription, and an ownership option Xero doesn't have.
14 days free on Online, 5-day trial on Desktop, no card either way
Xero is well-built software with a real ledger, and its accountant community is strong, particularly outside the US. Its trade-off is the plan ladder: the $25 entry plan caps how many invoices and bills you can send in a month, so a business with ordinary volume is pushed to $55, and every separate business needs its own subscription.
Neo-Capital's entry plan has no invoice or bill caps, the mid plan covers a business book and three people, with more business books at $9 a month, and the whole platform is also available as Neo-Capital Desktop, a one-time purchase from $49 that ends the subscription question entirely. Same class of engine: general ledger, A/R and A/P, reconciliation, close, every statement, cash or accrual.
Neo-Capital vs Xero
Competitor prices and features are US list as checked July 2026; both products change, so verify anything load-bearing on their site and ours.
| Neo-Capital | Xero | |
|---|---|---|
| Entry plan, per month | $19 | $25 |
| Mid plan, per month | $39 | $55 |
| Top plan, per month | $99 | $90 |
| Unlimited invoices on the entry plan | ||
| Unlimited bills on the entry plan | ||
| Multiple businesses on one subscription | 3–10+ | |
| A version you can buy outright | $49–$899 once | |
| Full general ledger and statements | ||
| Sales-tax nexus monitoring, 51 jurisdictions | ||
| End-to-end encrypted book storage | ||
| AI you can bring yourself, free | ||
| Keep the software after cancelling | Free Desktop Basic licence |
Where Xero is genuinely strong
Polish and reach. Xero's interface is clean, its app marketplace is large, its payroll partnerships are mature, and outside the United States, especially in Australia, New Zealand, and the UK, its accountant network and bank coverage are excellent. If your accountant runs a Xero practice abroad, that gravity matters.
Where Neo-Capital wins
Limits and ownership. Nothing on the entry plan is metered, one subscription carries several businesses, US sales-tax nexus is watched across 51 jurisdictions, and the Desktop line offers something Xero has never sold: accounting software you own outright. Books are encrypted under your key either way, and leaving comes with your data and a free desktop licence.
Switching from Xero
Export your Xero data (contacts, chart of accounts, and transaction CSVs) and Neo-Capital's import pipeline brings them into the review queue, where everything lands categorized and nothing posts without your approval. Most migrations are producing statements the same week.
Neo-Capital vs Xero, asked plainly
Is Neo-Capital cheaper than Xero?
At US list prices checked July 2026: $19 vs $25 at entry and $39 vs $55 mid, without Xero's entry-plan invoice and bill caps. At the top, Xero's $90 is near Neo-Capital's $99, but the Neo-Capital plan is a practice tier with unlimited client books and unlimited users.
Does Neo-Capital have invoice limits like Xero's entry plan?
No. Invoices and bills are unlimited on every Neo-Capital plan, including the $19 entry plan.
Can I run more than one business without paying twice?
Yes. Every plan includes a business book, Basic and Pro can add more at $9 each, and the practice plan includes unlimited. Every Xero organisation is a separate subscription.
Can I move from Xero to Neo-Capital?
Yes, via Xero's own exports: contacts, chart of accounts, and transaction history import through the review queue, so you approve what lands.
Two ways to stop overpaying.
Subscribe to the full platform in a browser, or buy the desktop program once and own it forever. Either way, you can always leave with everything.
More comparisons: vs QuickBooks Online · vs QuickBooks Desktop · vs FreshBooks · vs Wave · vs Zoho Books