Sage Accounting vs Xero
Two bookkeeping and accounting apps, compared across 19 criteria.
19Criteria compared
12Differ between the apps
£18/moStarting price
AllMTD for VAT ready
Side by side
Sage Accounting Pricing on the official site
Xero From £18 per month ex VAT
Choose it if
Small businesses
Small businesses wanting tiered monthly plans with VAT filing, with higher tiers adding currencies and more payroll or expense users.
Features listed
1/12
9/12
Strengths
- Compare plans and features on the official website
- Ask for a trial to see how it fits your work
- Four monthly plans from Ignite to Ultimate, with prices listed ex VAT
- All plans file VAT returns to HMRC
- All plans described as ready for Making Tax Digital for Income Tax
- Payroll is included in plans; the number of people covered rises with the tier
Things to check
- Pricing and plan details could not be verified on 4 Nov 2026
- Ignite has limits on invoices, and extra per-person payroll and per-payment charges
- Multi-currency is only on Comprehensive and Ultimate
- Some UK banks may pass on fees for bank feeds
Details · 12 of 19 differ
Key facts
Best forDiffers
Small businesses
Small businesses wanting tiered monthly plans with VAT filing, with higher tiers adding currencies and more payroll or expense users.
Based inDiffers
UK
NZ
Category
Bookkeeping and accounting
Bookkeeping and accounting
MTD for VAT
Ready
Ready
Free trialDiffers
Not stated
Offered
Free plan
Not stated
Not stated
Starting priceDiffers
Not stated
£18 per month (Ignite plan)
Features
MTD for VAT
Listed
Listed
MTD for Income TaxDiffers
Not listed
Listed
Bank feedsDiffers
Not listed
Listed
Invoices and quotesDiffers
Not listed
Listed
PayrollDiffers
Not listed
Listed
Inventory
Not listed
Not listed
Multi-currencyDiffers
Not listed
Listed
Mobile app
Not listed
Not listed
Free accountant access
Not listed
Not listed
Cash flow forecastDiffers
Not listed
Listed
Bill paymentsDiffers
Not listed
Listed
Expenses receiptsDiffers
Not listed
Listed
Ready to decide?
Open each app on its own website to check the current price and features.
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