Xero is powerful accounting software with unlimited users. But its entry plan caps you at 20 invoices a month, and multi-currency only unlocks on the top tier. If you mainly invoice, Billbooks is unlimited and flat.
Xero runs your whole books, with bank reconciliation, reporting, and unlimited users on every plan. That depth is real, and it comes with a three-tier ladder that starts at $25 a month and caps the entry plan at 20 invoices. If you mainly bill clients, Billbooks keeps invoicing unlimited at a flat $7.95.
| Billbooks | Xero | |
|---|---|---|
| Starting price (monthly)Billbooks Basic vs Xero Early | $7.95/mo | $25/mo |
| Invoices on entry plan | Unlimited | 20 per month |
| Price for unlimited invoices | $7.95/mo | $55/mo (Growing) |
| Multi-currency invoicing | Top tier ($90/mo) only | |
| Automatic payment reminders | ||
| Automatic follow-ups on quotes | Not built in | |
| Appointment scheduler | Not built in | |
| Digital signatures | Not built in | |
| QR code to pay | Not built in | |
| Full double-entry accounting | Invoicing focus |
Xero US list prices as of August 2026: Early $25 (send quotes plus 20 invoices per month, 5 bills), Growing $55, Established $90 (multi-currency); unlimited users on all plans. Xero has announced a price increase from October 1, 2026. Per Xero documentation, an appointment scheduler, quote reminders, digital signatures, and invoice QR codes are not native and rely on third-party apps; Xero does include bank reconciliation on all plans and is a full accounting platform. Sources: xero.com/us/pricing-plans, Xero Central, billbooks.com/pricing.
No invoice cap to watch
Send as many invoices as you need on a flat plan. The Xero entry plan stops at 20 a month, and the 21st pushes you up to the $55 tier.
Multi-currency without the top tier
Bill overseas clients in their currency on your plan. On Xero, multi-currency only unlocks on the $90 Established tier.
Invoicing extras included
A scheduler, digital signatures, quote follow-ups, and a payment QR code come built in, where Xero needs a separate third-party app for each.
To be straight with you: Xero is a complete double-entry accounting platform, with bank reconciliation, real-time reporting, sales tax, and unlimited users on every plan. If you need to run full books, or your accountant works in Xero, that depth is worth paying for. Billbooks is for people who mainly want to invoice and get paid, unlimited and simple, at a flat price.
One flat price with unlimited invoices, no per-plan invoice cap.
A plan built for high-volume transactions or business models that do not fit the mold.
Contact SalesReal reviews from people who send their own invoices
★★★★★
“I used to hate sending invoices and payment reminders. I never imagined a boring, cumbersome task could be this intuitive and fun.”
★★★★★
“I used to waste hours on invoicing. With Billbooks it is all done before my coffee gets cold, so I focus on growing my store.”
★★★★★
“We are always on the move, and Billbooks keeps our billing just as fast and reliable. No training needed, just invoices out and money in.”
An app so good you will want to get tasks done instead of putting them off. Stay on track and keep your cashflow going.
Yes. Billbooks Basic is $7.95 a month with unlimited invoices. Xero Early is $25 a month and allows 20 invoices a month, and multi-currency requires the Established plan at $90. Xero has announced a price increase from 1 October 2026.
Xero is full double-entry accounting software and Billbooks is not. Xero handles bank feeds, bills, payroll integrations and the reports an accountant expects, and it includes unlimited users on every plan. If you need books kept, Xero does more.
Switch to Billbooks if you are paying for Xero mainly to send invoices, particularly if the 20-invoice limit on Early pushes you to a higher plan. Stay with Xero if your accountant works in it or you rely on its bookkeeping.
Billbooks replaces the invoicing half of Xero at a fraction of the price, with unlimited invoices and multi-currency included rather than reserved for the $90 tier. It does not replace Xero as accounting software.
Twenty a month on Early at $25, plus quotes and five bills. Unlimited invoicing starts at Growing, $55 a month. Billbooks Basic is $7.95 with unlimited invoices, so for invoicing volume alone the difference is about seven times.
Only on Established at $90 a month. Billbooks includes multi-currency on the $7.95 Basic plan, which is the single biggest cost difference for a business billing overseas clients.
Xero has announced a price increase from 1 October 2026, on list prices that currently run $25, $55 and $90 a month. Billbooks charges the same amount in month one and month thirty, with no announced increase.
For full accounting, yes, that is what Xero is built for, with reconciliation, reporting, and unlimited users. For invoicing specifically, Billbooks is simpler and cheaper, with unlimited invoices on a flat plan where the Xero entry plan caps you at 20 a month.
Billbooks Basic is $7.95 a month with unlimited invoices. Xero starts at $25 a month but limits you to 20 invoices monthly; unlimited invoicing needs the $55 Growing plan, and multi-currency needs the $90 Established plan. Xero has also announced a price rise from October 2026.
On invoicing, Billbooks adds a scheduler, digital signatures, quote follow-ups, and a payment QR code that Xero does not offer natively. Xero, though, is a full accounting system with reconciliation and reporting that Billbooks keeps lighter.
Yes, on your Billbooks plan. With Xero, multi-currency invoicing is limited to the top Established plan at $90 a month.
Yes. You can set up clients and start invoicing in minutes, with a 30-day free trial and no credit card. For full bookkeeping you may keep an accountant tool; Billbooks focuses on billing and getting paid.
A little kit of calculators and generators, on the house.
Comparing your options? Billbooks keeps pricing flat and transparent. Popular with freelancers and small businesses. New to it? Try the free invoice generator first.
Compare Billbooks with others