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Xero vs FreeAgent: catalog facts
Xero	FreeAgent
Paid Paid monthly plans with a free trial and introductory discounts.	Paid Paid subscription with a trial available.
Web	Web
Bank connections for reconciliation Invoicing, bills and payroll in one place	Making Tax Digital compatible for UK sole traders and landlords E-commerce bookkeeping through the Equali integration
Subscription only, with no free plan Features and plans vary by country	Focused on UK and US businesses Hosted only, with no offline or self-hosted version
Web application, Hosted service	Hosted service
Closed source	Closed source
License not stated	License not stated
Account 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.