Top 10 Alternatives to
Xero
Is Xero too expensive or missing features? We've analyzed the market to find the best Finance software replacements for your team.
Wise
The financial OS for startups and enterprises.
Expensify
The trusted Finance software for scaling companies: Expensify.
Zoho Books
Accounting software for smart businesses.
FreshBooks
Manage payroll, benefits, and compliance effortlessly.
Wave
Payment processing built for the internet.
Square
Streamline your Finance workflows with Square's powerful platform.
Sage
The trusted Finance software for scaling companies: Sage.
ADP
Optimize your operations with ADP, the premier Finance app.
Paddy
Accounting for small business.
Bill.com
The trusted Finance software for scaling companies: Bill.com.
Why look for a Xero alternative?
While Xero is a popular choice for Finance, it might not be the best fit for every team. Users often look for alternatives to find better pricing, easier usability, or specific features that Xero lacks.
The tools listed above are ranked based on user satisfaction, market presence, and feature sets. Whether you are a startup looking for a free tier or an enterprise needing better security, these competitors offer strong value propositions in 2026.