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QuickBooks Online

$38 - $275/mo

VS

Xero

$29 - $75/mo (Standard USD)

Analysis

The industry-standard cloud accounting platform. In late 2025, it is a fully AI-integrated system featuring 'Intuit Assist' for automated reconciliation and 'AI Agents' for autonomous bookkeeping. While it offers unmatched tax-readiness and ecosystem depth, its high subscription costs and complex tiered pricing continue to drive freelancers and micro-SMEs toward leaner alternatives.

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Analysis

A cloud-accounting leader known for its clean UI and vast app ecosystem. In late 2025, it launched JAX, an AI superagent that allows users to manage their books via WhatsApp, SMS, or voice. While it remains a top choice for its 'Unlimited Users' policy, the November 2025 price increases have made it one of the more expensive options for mid-sized firms.

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The Breakdown

FeatureQuickBooks OnlineXero
CategoryAccountingAccounting
Subscription Cost$38 - $275/mo$29 - $75/mo (Standard USD)