Neo-Capital vs Xero
Neo-Capital has no invoice or bill limits on its entry plan, covers more than one business on one subscription, and is also sold as a one-time purchase.
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Xero is well-built software with a full ledger and a strong accountant community, especially outside the US. Its $27 entry plan allows 20 invoices and 5 bills a month, so many businesses need the $59 plan, and each business needs its own subscription.
Neo-Capital's entry plan has no invoice or bill limits. The Pro plan covers two businesses with three additional users in each, and more businesses cost $9 a month each. Neo-Capital Desktop is also available as a one-time purchase from $49. Both include the general ledger, A/R and A/P, reconciliation and financial statements, and Pro and Firm add period close and a choice of cash or accrual basis.
Neo-Capital vs Xero
Competitor prices and features are US list prices as of September 2026. Both products change, so please check anything important on their website and ours.
| Neo-Capital | Xero | |
|---|---|---|
| Entry plan, per month | ||
| Entry plan, per month | $19 | $27 |
| Mid plan, per month | ||
| Mid plan, per month | $39 | $59 |
| Top plan, per month | ||
| Top plan, per month | $99 | $97 |
| Unlimited invoices on the entry plan | ||
| Unlimited invoices on the entry plan | ||
| Unlimited bills on the entry plan | ||
| Unlimited bills on the entry plan | ||
| Multiple businesses on one subscription | ||
| Multiple businesses on one subscription | 2 on Pro, unlimited on Firm | |
| A version you can buy outright | ||
| A version you can buy outright | $49–$899 once | |
| Full general ledger and statements | ||
| Full general ledger and statements | ||
| Sales tax nexus tracking in all 50 states and DC | ||
| Sales tax nexus tracking in all 50 states and DC | Pro and Firm | Through Avalara |
| Books stored encrypted so the provider can't read them | ||
| Books stored encrypted so the provider can't read them | ||
| Connect your own AI at no extra cost from us | ||
| Connect your own AI at no extra cost from us | ||
| Keep the software after canceling | ||
| Keep the software after canceling | Free Desktop Basic license after 2 paid months | |
Where Xero is strong
Xero has a clean design, a large app marketplace and established payroll partners. Outside the US, especially in Australia, New Zealand and the UK, its accountant network and bank coverage are excellent. If your accountant uses Xero, that is a good reason to stay.
Where Neo-Capital is stronger
Neo-Capital's entry plan has no usage limits, and one subscription covers more than one business. Pro and Firm track US sales tax nexus in all 50 states and DC. Desktop is sold as a one-time purchase, which Xero does not offer. Your stored books are encrypted so we cannot read them. If you leave, you keep your data and, after two paid months, a free Desktop Basic license.
Switching from Xero
Export your contacts, chart of accounts and transactions from Xero as CSV files, and import them into Neo-Capital. They go to the Review page, where your rules suggest categories and nothing is posted until you approve it.
Common questions about Neo-Capital and Xero
Is Neo-Capital cheaper than Xero?
At US list prices for October 2026, Neo-Capital costs $19 a month at entry compared with $27, and $39 compared with $59 in the middle, without Xero's entry-plan limits on invoices and bills. At the top, Xero's $97 is close to Neo-Capital's $99, but Neo-Capital's Firm plan includes unlimited businesses 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 at least one business. On Basic and Pro you can add more for $9 a month each, and Firm includes unlimited businesses. Each Xero organization needs its own subscription.
Can I move from Xero to Neo-Capital?
Yes. Export your contacts, chart of accounts and transaction history from Xero and import them. You approve each transaction on the Review page before it is posted.
Choose Online or Desktop
Subscribe to Online and use it in your browser, or buy Desktop once and keep it. With either one, you can export all of your data at any time.
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