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