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
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
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
Rating comparison
| Xero | FreshBooks | |
|---|---|---|
| Excellent | Features & capabilities | Very Good |
| Excellent | Ease of use | Exceptional |
| Excellent | Pricing & value | Very Good |
| Exceptional | Integrations & scalability | Very Good |
| Excellent | Customer experience | Exceptional |
As of September 2026, ratings reflect our current assessment and are reviewed with pricing every 90 days. See how ratings work.
The one-line difference
Xero: Unlimited users on every plan. FreshBooks: Best for freelancers.