Xero vs FreshBooks
Short answer. FreshBooks is the easier tool for a freelancer who lives in invoices. Xero is the stronger accounting platform underneath, with unlimited users on every plan and better reporting as you grow.
Xero 8.4/10
Cloud accounting known for including unlimited users on every plan.
From$20/mo
Choose Xero if you want real double-entry accounting with unlimited users.
Visit Xero ↗
Full Xero profile
FreshBooks 8.0/10
Invoicing-first accounting aimed at freelancers and service businesses.
From$19/mo
Choose FreshBooks if invoicing and time tracking are the core of your work.
Visit FreshBooks ↗
Full FreshBooks profile
Score comparison
| Xero | FreshBooks | |
|---|---|---|
| 8.5 | Ease of use | 9.5 |
| 8.5 | Features | 7.0 |
| 8.5 | Integrations | 7.0 |
| 8.5 | Value for money | 8.5 |
| 7.5 | Support | 8.5 |
Component scores out of 10. As of August 2026, scores reflect our current assessment and are reviewed with pricing every 90 days. See the methodology.
The one-line difference
Xero: Unlimited users on every plan. FreshBooks: Best for freelancers.