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Holded vs Xero: catalog facts
Holded	Xero
Paid Paid plans with a 14-day free trial.	Paid Paid monthly plans with a free trial and introductory discounts.
Android, iOS, Web	Web
Invoicing, accounting, CRM and HR in one platform Mobile apps with invoice scanning	Bank connections for reconciliation Invoicing, bills and payroll in one place
Hosted only Oriented toward the Spanish market	Subscription only, with no free plan Features and plans vary by country
Downloadable app, Web application, Hosted service	Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Needs internet	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.