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LedgerSMB vs Xero: catalog facts
LedgerSMB	Xero
Free Free and open source.	Paid Paid monthly plans with a free trial and introductory discounts.
Web, Self-hosted	Web
Proper double-entry, multi-currency accounting Sends invoices and quotes by email with PDF attachments	Bank connections for reconciliation Invoicing, bills and payroll in one place
Needs Perl, PostgreSQL and a web server to run in production Interface is functional rather than modern	Subscription only, with no free plan Features and plans vary by country
Self-hosted	Web application, Hosted service
Open source	Closed source
License: GPL-2.0	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.