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Bigcapital vs Xero: catalog facts
Bigcapital	Xero
Free Self-hosted edition is free under AGPL-3.0; a hosted Bigcapital Cloud is also offered.	Paid Paid monthly plans with a free trial and introductory discounts.
Web, Self-hosted	Web
Invoicing, expenses, inventory and reports in one app Multi-currency accounting	Bank connections for reconciliation Invoicing, bills and payroll in one place
Aimed at businesses rather than personal budgeting Self-hosting requires Docker and server maintenance	Subscription only, with no free plan Features and plans vary by country
Self-hosted, Hosted service	Web application, Hosted service
Open source	Closed source
License: AGPL-3.0	License not stated
Not stated if an account is needed	Account needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.