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Xero vs FreshBooks: catalog facts
Xero	FreshBooks
Paid Paid monthly plans with a free trial and introductory discounts.	Paid Paid subscription with a 30-day free trial and introductory discounts.
Web	Android, iOS, Web
Bank connections for reconciliation Invoicing, bills and payroll in one place	Invoices can include tracked time and expenses automatically Receipt scanning and bank imports for expenses
Subscription only, with no free plan Features and plans vary by country	Subscription only, with no free plan Cloud service, so your financial data is held by FreshBooks
Web application, Hosted service	Downloadable app, Web application, 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.