Karbon vs Xero Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Karbon pricing | Xero pricing | |
|---|---|---|
| Starts at | $79/mo | $25/mo |
| Number of plans | 3 | 3 |
| Free plan | — | — |
| Free trial | — | — |
| Pricing model | per-seat | flat-rate |
Price is one row. To weigh the features too, use our feature comparison template →
Team
- Integrated Email
- Team Collaboration Tools
- Workflow and To-Do Lists
- Time Tracking & Budget Reporting
- Billing
- Payments
- Engagements
Business
Popular- Automatic Client Reminders
- Task Automation
- Industry Integrations
Enterprise
- Enterprise Platform
- Dedicated Karbon Contact
- Customization
- Unlimited Usage Limits
Early
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with basic graphs
- 30 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
Growing
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 60 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Budget with smart suggestions
- Auto-reconcile transactions
Established
Popular- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 180 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Make online bill payments (International)
- Budget with smart suggestions
- Auto-reconcile transactions
Karbon vs Xero FAQ
- Which one is cheaper?
- Xero is the cheaper option, starting at $25/mo vs $79/mo for Karbon.
- Can I use either one for free?
- Neither has a free plan.
- How do they charge?
- Different approach here. Karbon uses per-seat pricing, while Xero goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Karbon: This sits on the premium end for practice management software aimed at accounting and bookkeeping firms — most competitors either offer a free tier or a trial, and Karbon offers neither. They're clearly not chasing solo practitioners or freelancers; the 4-seat minimum signals they want established firms with real teams and budget. Xero: Xero sits mid-market against QuickBooks and FreshBooks — not the cheapest accounting tool out there, but positioned as more approachable than enterprise ERP-lite platforms, targeting small businesses that'll eventually outgrow spreadsheets but aren't ready for NetSuite.
Still deciding? See the best Karbon alternatives or the best Xero alternatives, ranked with verified pricing.
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