# Compare Sage Intacct vs Xero 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Sage Intacct and Xero based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/76-120109/Intacct-vs-Xero --- # Sage Intacct vs Xero Features and Cost Comparison Last updated July 10th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: Sage IntacctXero2/4 selected [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.3 (711)](https://www.capterra.com/p/76/Intacct/reviews/) [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) [## Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.3 (711)](https://www.capterra.com/p/76/Intacct/reviews/) Starting Price Contact vendor Value-for-Money 4 Functionality 4.2 Ease of Use 4.2 Customer Service 4 Reviews Sentiment NH Based on [711 reviews](#user-reviews) Positive 611 Neutral 75 Negative 25 [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price $25.00/month Value-for-Money 4.2 Functionality 4.3 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [3,307 reviews](#user-reviews) Positive 2,906 Neutral 239 Negative 162 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 8,083 reviews from accounting software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 71%Fit Missing features Feature ratings Income & Balance Sheet 4.4 Chart of Accounts 4.5 Data Security NA Financial Reporting 4.1 Document Management 4.5 81%Fit High performer Feature ratings Income & Balance Sheet 4.6 Chart of Accounts 4.5 Data Security 4.4 Financial Reporting 4.4 Document Management 4.6 User satisfaction User satisfaction 4.3 User reviews[711](https://www.capterra.com/p/76/Intacct/reviews/) Ease of use 4.2 Functionality 4.2 Value for money 4.0 Customer support 4.0 User satisfaction 4.4 User reviews[3,307](https://www.capterra.com/p/120109/Xero/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.2 Customer support 4.0 Price starts from Price starts from \-- - Free version - Free trial Price starts from $25Flat Rate, Per Month - Free version - Free trial Best for Best for Best for growing organizations exceeding $5M in annual revenue seeking robust cloud accounting/financial software for real-time reporting & automation to streamline operations & support scalability. Best for Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more. ## User reviews Pros & cons NH Nicole H. Finance Team Leader > "The dashboards and custom reports provide clear, real-time insights, and the automation of processes like journals and approvals saves significant..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142454) HJ Heather J. Accounting Manager > "On top of that, the learning curve is steeper than the sales process suggests, the UI feels dated in places, and support response times can vary..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7149321) JW Joey W. Staff Accountant > "Its customizable dashboards and robust reporting tools allow quick access to key financial insights, helping with faster and more informed..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142171) JG Jennifer G. AP Manager > "Dealing with the AI not reading the invoices correctly (especially the hand written work orders) or summing up all line items into one line item." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7171309) HK HEMANT K. Manager > "The dimensional accounting model and real-time dashboards significantly improved financial visibility and decision-making, while features like..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7083304) RD Ross D. Corporate Controller > "This makes searching for transactions and trying to follow what happened in the system very difficult because I'm not able to view all the info I need..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7080258) TZ Toni Z. Finance manager > "Some of the most likeable pros with Sage Intacct are the cloud access anywhere without VPNs or desktop installs, the growing automation technology..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7139251) HJ Heather J. Accounting Manager > "Every improvement or new capability they roll out and market seems to come with a separate SKU and another line on the invoice, so the "all-in" cost..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7149321) HK HEMANT K. Manager > "It is a robust, cloud-native financial management system that delivers strong core accounting, excellent reporting, and solid scalability for growing..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7083304) RD Ross D. Corporate Controller > "Additionally, it feels like I'm not able to customize reports to provide all the information I need in one place." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7080258) AS Alex S. Director of Financial Operations > "The dimensional reporting is a standout feature, allowing for detailed insights across programs, locations, and funding sources without..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7117224) HD Haley D. Accounting Admin > "Certain entries are unable to be deleted permanently rather there is a "reversed" option which essentially does perform the same act however still..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7115619) BT Bob T. COO > "Perhaps most valuable is the integration with our CRM, allowing for real-time record keeping and better coordination between finance and revenue..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144458) AP Andrew P. Director of Finance > "During file imports when the import has an issue, the File import error messages are pitiful. " [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7135235) JG Jenifer G. Director of Finance > "With Sage Intacct, we’ve moved from managing two different financial systems to one streamlined system with real-time financials, making everything..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141603) MS Matt S. Financial Systems Manager > "There are a few operational components that are abnormal to accounting functions, such as customer refunds." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7175745) AG Alina G. Accounting Manager > "Being able to use enter company allocations, and the open API allows integrations with ADP and ramp and any other software" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7140782) DS David S. President > "Cost is becoming unreasonable from initial start of contract. Despite discussions about this, the account manager continues to try and get more money...." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7080298) SK Sandy K. Senior Vice President of Finance > "Product has all the modules we need for our accounting and the ability to keep track by contract for contract reporting." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7135292) RD Ross D. Corporate Controller > "Then once the GL data is displayed, I'm not able to sort it in any way (largest to smallest, etc.)." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7080258) AI Adam I. Management Accountant > "I liked the invoice / Accounts receivable module as this allows us to easily create and distribute invoices." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7171136) LJ Laura J. CFO > "What we like least about Sage is inability to correct invoices in AP or AR after paid and not having automated fund balancing." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7047167) SC Sandy C. SVP Finance > "Scalability to our needs allows us to get started now, knowing that we can add more locations and entities as we grow and evolve" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7140781) LB Liz B. Supervisor, Finance Support > "Sometimes troubleshooting issues is hard or diving into objects that show up on audit logs is hard to back into." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142236) BT Bob T. COO > "It’s a strong platform for organizations that value control, visibility, and integration—especially if you’re willing to invest a bit of time in..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144458) CS Christopher S. Accountant > "One of my employees has an issue where the functionality of Sage Collaborate stopped working and it has been almost a month with no resolution." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7082885) JW Jade W. controller > "Strong automation capabilities across core accounting workflows like journal entries, consolidations, and reporting." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141480) LP Lisa P. Controller > "There are some data fields that I have been unable to locate in the past when trying to create a report." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7139238) RK Raiyan K. Accountant > "Some of their features of invoice management and payment processing is game changer knowing how easy the interface is and how easily you can navigate..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7050465) EB Emma B. Financial Controller > "It can be difficult to follow a trial of what has happened in the system as it will only bring back a limited amount of information." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141009) CS Craig S. Vp of finance > "As a result, our team is able to close books faster, make more informed decisions, and focus more on strategic initiatives rather than routine..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141477) ET Eric T. Controller > "Only downside is some lack of basic things we would expect to see in the system and the feeling of being duped after contract signing in regards to..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7171386) HK HEMANT K. Manager > "Overall, it felt like a modern, cloud-native ERP that delivered strong controls and transparency while still being flexible enough to adapt to..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7083304) PR Patrick R. Account Manager > "The system can overcomplicate routine workflows, especially if you’re not deeply trained." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144357) ML Miriam L. owner > "intacct is the gold standard of accounting software and is AICPA approved so it has the aiblities to do more than most" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7140010) CN Christina N. Controller > "Sage reporting is terrible. If you add an account it does not automatically add to your reports." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144390) JW Jade W. controller > "It significantly reduces manual work, improves accuracy, and provides real-time visibility into financials." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141480) KAG Kelsie-Ann G. Financial manager > "Debtors/creditors age analysis report is set on days not months ... probably the most frustrating part." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7135683) AI Adam I. Management Accountant > "Robust Financial Features – Excellent for multi-entity consolidations, advanced reporting, and compliance-heavy industries." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7171136) MM Matt M. VP CFO > "Bugs and Issues - my background is IT and I am shocked at the number of bugs and issues we continue to face." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7080314) JC Jackie C. Director of Finance > "The implementation was pretty easy, the various input screens within the applications are similar, so training is easier, the many dimensions and..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7010840) EK Ebony K. Director of Accountijg > "Inability to edit credit card transactions." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141595) AS Alex S. Director of Financial Operations > "In terms of value for money, Sage Intacct delivers a high-quality solution that scales well as organizational needs evolve." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7117224) EK Eileen K. Controller > "I don't like that you have to pay to access educational material on your platform, that should be at no cost." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7135359) EW Elizabeth W. Chief Financial Officer > "We are able to integrate purchasing, payroll, timesheets and other activities with ease." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142068) TM Travis M. Accountant > "Issues with AP AI and not reading embedded stamps." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141474) SB Shawna B. Accountant > "After implementing automation, we eliminated a lot of repetitive tasks in AP/AR and month-end, which significantly improved accuracy and turnaround..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7050225) JM John M. CFO > "certain things like reporting and invoices etc are very complicated and difficult to make updates to ." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___6851682) AW Amber W. Senior Director of Finance > "It allowed us to report from various angles which helps with efficient decision making." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7117339) AM Anita M. Finance director > "This process is creating hundreds of account code combinations and making the audit much harder" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7010847) PR Patrick R. Account Manager > "This is particularly important for companies experiencing growth or dealing with complexity, such as multiple subsidiaries, currencies, or entities." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144357) VR Verified Reviewer Controller > "Biggest complaints my staff have had with using Sage Intacct is that it isn't as easy to delete or correct mistakes like in QuickBooks Online." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___6869531) AC Allie C. Manager > "The console allows us to easily switch between clients and see each of their instances." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141473) LJ Laura J. CFO > "I like the product more than our prior software, however, the implementation company we used was terrible and I feel like we are not getting the best..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7047167) VR Verified Reviewer Controller > "Integration with Rippling Payroll and Rippling Spend has streamlined our workflows, especially in payroll and expense management." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___6869563) BL Ben L. CFO > "We feel like we are not a valued customer even though we have been using the system for almost 6 years now and have increased our volumes..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142858) HD Haley D. Accounting Admin > "With Sage Intacct I have had the pleasure of being able to use its advanced financial reporting for otherwise complex business structures." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7115619) JCY Julian Christian Y. Accounts Payable Specialist > "Certain reports you cannot filter down or modify." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7136928) VR Verified Reviewer Controller > "The ability to use customized fields, dimensions, reports, etc. makes it far superior to other accounting software." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___6869531) JP Jennifer P. Manager of Finance and Administration > "The AP approval process is not as custom as we thought. " [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142307) LP Lisa P. Controller > "The ability to take a report, save it and customize it helps us tremendously." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7139238) CC Cory C. CFO > "Very poor implementation, worst of any implementation ever completed of an accounting or ERP system." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7080488) PK Patricia K. VP, Finance and Operations > "it enables the accounting team to be hyper efficient and focus efforts on higher level tasks. " [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7114719) ZG Zachary G. Director of Finance > "The most difficult things in Intacct has been the customer report writer." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7139244) PM Phillip M. CFO > "Real-time access, clear audit trails, and solid internal controls make audits smoother and reduce manual reconciliations." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7051702) BN Branden N. Carpenter > "It’s hard to get your general ledger to balance every month and to upload my checks, especially with the positive pay service" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___6784011) CC Charity C. Staff Accountant > "I like getting feedback by email on the status on when it is accepted and what, if any, errors need to be corrected." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7164864) CN Christina N. Controller > "Its also extremely difficult to learn how to create and manipulate reports. " [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144390) ET Eric T. Controller > "Overall the ease of use, transaction management, deep customization of user accounts and the ability to integrate in and out of the system has been a..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7171386) IC Ilaria C. Cultural Journalist > "The fact is that this is financial software and some mistakes can't be undone, so you have to know what you are doing." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7178127) JW Jade W. controller > "The multi-entity and SaaS-focused features are especially valuable for scaling organizations." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7141480) JL Juanita L. Accounting manager > "We are still in the implementation phase, it is hard to understand when you haven’t run thru a complete process" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7142355) MF Mitch F. HR Data and Insights > "It delivered precise calculations and offered a comprehensive solution for handling employee payments, which was crucial for accurate payroll..." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___6553305) NB Nicole B. Controller > "The fixed asset module is cumbersome versus what I would expect." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7112218) ZG Zachary G. Director of Finance > "A big piece of this is the large number of marketplace partners providing third party solutions to expand Intacct." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7139244) AW Amber W. Senior Director of Finance > "I wish there were more canned reports that can be edited." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7117339) CS Courtney S. Accounting Supervisor > "Overall, it has increased our efficiencies, saved time, allowed for easier reporting structure and reporting options to provide to management." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7001244) CN Christina N. Controller > "We have to pay for an add on from Armanino which is not ideal." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7144390) SB Stacy B. Senior Director of Finance > "It's good, the software needs to have more flexibility when trying to change information or delete certain things" [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7085660) MQ Mike Q. CFO > "The reporting and features are way behind other similarly priced products." [See full review](https://www.capterra.com/p/76/Intacct/#Capterra___7139524) [View Reviews](https://www.capterra.com/p/76/Intacct/reviews/) RR Rebecca R. Production manager > "I also appreciate the cloud-based access, which allows me to manage accounting from anywhere, along with the seamless bank integrations that help save time and keep records..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7155119) DT Danielle T. AP, AR, Payroll > "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297) NC Nikki C. permit technician > "What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing finances..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) BN Bill N. Senior Financial Accountant > "Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) NC Nikki C. permit technician > "It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) HL Hikmet L. Medical Assistance Specialist > "Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7100283) VR Verified Reviewer Treasury Accountant > "The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) AB Andrew B. Owner > "There was no phone support option available, and I couldn’t even properly access my own account to manage the cancellation until I enabled two-factor authentication." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154928) NK Navpreet K. Manager and CPA > "I really like its clean and easy-to-use interface, which makes invoicing, expense tracking, payroll, and bank reconciliation simple to manage." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7154223) VR Verified Reviewer Treasury Accountant > "I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) JL John L. CEO > "Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) DE Daryl E. Consultant > "Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) Craig H. General Manager > "I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677) DE Daryl E. Consultant > "This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) AL Amber L. Discharge Planner > "Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7002100) Bryce M. Founder > "I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or justification..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7091869) JL John L. CEO > "It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I had..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MH Martin H. Payroll Manager > "Sometimes I need to wait for a while before my authentication code comes through, delaying my login." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7102201) AF Amanda F. Licensed Real Estate Broker > "I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) AF Amanda F. Licensed Real Estate Broker > "However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) BN Bill N. Senior Financial Accountant > "Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) LC Laura C. Administration Manager > "There have been some occasional reliability issues, with updates sometimes taking a day or two after the incident to be communicated by their support team." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160982) JP John P. Transport Broker > "The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) KP Kelly P. Manager > "Cannot connect to CAF Bank which makes being a charity very difficult when doing the banking element" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7147951) VR Verified Reviewer Treasury Accountant > "I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) RD Rudo D. Accountant > "They increase prices so often and they sometimes do not offer discounts when you have multiple companies" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7174279) JL John L. CEO > "At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding aspect..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MK Michal K. IT engineer > "The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7080651) DM Dasha M. Consultant > "We are a small nonprofit without a formal accountant and were able to set up our business and run reports in ways that are simple but useful." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7134499) CG Cecilia G. Administration > "Xero’s subscription tiers have increased in cost, which can become expensive for users." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7157251) JM Jesse M. Senior Accountant > "The bank reconciliation feature works well enough for our needs and saves a lot of time compared to our old system." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7125220) EC Eric C. Engineering Manager > "Missing two features that our previous system could support - detailed export to .csv, and also we started to run into issues past 100 employees." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6748194) VR Verified Reviewer Treasury Accountant > "Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) DE Daryl E. Consultant > "I dread having to make changes to quotes and invoices because bugs in the UI are so common." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) EB Emma B. Financial Controller > "It has many different functions and capabilities which speed up reconciling and customisable reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084871) RG Rishi G. Software Engineer > "I do dislike how often I get logged out of Xero once I close the tab." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) NS Natalie S. Senior immigration Advisor > "Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7060176) JP John P. Transport Broker > "Bank feed links are sometimes broken automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) RG Rishi G. Software Engineer > "The calendar helps me track who owes me money and I am just glad I can finally see the dates." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) CB Chris B. Owner > "Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than this." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) Samuel L. Mortgage Loan Officer > "It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Adrien J. CEO > "Bank integration does not work as advertised." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271) MW Matt W. Founder and Director > "If fully utilised Xero is a very powerful business tool that can encapsulate everything financial - from integrated stock systems and product costing, to sales tracking and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6494302) MM Melanie M. Treasurer > "The UI is a tiny bit clunky--most notably the "check writing/entering" functionality comes to mind. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6874464) EH Erin H. Google Ads Specialist > "I like how I can reconcile transactions in Xero from my bank feeds and set up recurring bills -- so I do not have to stress / waste time searching through everything and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974) CW Christine W. Accounts > "It is not easy to transfer data from one entity to another entity, even basic information has to enter these manually." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871687) Rodrigo T. Director of Cyber Security > "Xero is an excellent tool that has allowed me to manage my department's expenses in a transparent and orderly way in simulation projects, prevention exercises and detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RG Rishi G. Software Engineer > "Then I have to sit through another annoying OTP code to get back into my account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) TVW Tim Van W. Senior Project Supervisor > "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the bounds..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687) NH Nina H. Hr Manager > "It isn't easy to calculate holiday in the same way as HR software." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7111292) GN Grace N. Volunteer > "Xero automates over 78% of manual repetitive accounting tasks such as AP,AR and GL which saves time and improve productivity leading to high performance and ROI." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6580047) RT Rachel T. Accounts Administrator > "Lately there have been some software issues which slowed things down, but these happen rarely. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7152161) Rodrigo T. Director of Cyber Security > "It allows me to manage my department's accounting in real time, giving me a clear and up-to-date visualization of expenses." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) JB John B. Treasurer > "For example, Xero can not suggest an annual budget based on prior year spending." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6857537) DS Dilak S. Senior Experience Designer > "Xero simplify accounting processes by automating workflow such as paying vendors, billing, invoicing and payments matching." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6505945) FS Faizan S. Payroll Manager > "It can be somewhat stagnant at times in terms of the lack of colour and user interface." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881268) JP John P. Transport Broker > "All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) DE Daryl E. Consultant > "Advertising plastered on the UI making the book keeper's job harder than it could be." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) CB Chris B. Owner > "The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) LR Lisa R. Office manager > "The reason I originally did not use Xero was because our bank does not connect with Xero. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7028182) Samuel L. Mortgage Loan Officer > "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) Richey J. General Manager > "Some aspects of payroll aren't equipped for specialist HR requirements." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881639) MG Mike G. Project Manager > "You have the ability to create a quote, add your own notes and narrative, save templates, and convert quotes into invoices, all going directly to the customer and requesting them..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041) Debbie M. Owner > "It does not offer good value for money compared with competitor products, and customer support is not available by telephone." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7072510) CS Chloe S. Bookkeeper > "Xero is good for bank account reconciliation when it syncs with your account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7160977) AB Abhishek B. Executive- Sales and Procurement > "Sometimes there are delays with customer service support which slightly hampers the experience of smooth workflow in case of techncial issues." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6452605) Samuel L. Mortgage Loan Officer > "It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) TE Timothy E. Owner > "They say that they can convert your old Quickbooks file to xero but after starting the process they turn around and say they couldn't do it." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6433289) JL John L. CEO > "Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) RH Russ H. Director > "The reports seem a little bit more difficult to work out if you do not know the correct accountancy term but you can normally work it out without too much hassle." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6818770) PM Preeti M. AVP > "There are so many search options and shortcut methods like cash coding and uploading bulk journals and credit notes in CSV are available, which make the life of accountant very..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055) WJ Will J. Director > "Good initially, but I had a lot of issues with square integration and the cost got too high in the end." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871639) TS Tom S. Director > "Being able to manage payroll, invoices, banking feeds and tax from one platform is nice." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6856926) SF Stephanie F. Owner > "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6820368) LA Luis A. Process Manager > "It’s a well-thought-out platform that simplifies complex financial tasks and offers a lot of flexibility through its integrations and customization options." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6602914) CC Christine C. Finance > "For report updates I find with updates they become more complex and busy with no way to edit to strip out the unwanted additions. If you have multiple companies/organizations and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___4904840) Rodrigo T. Director of Cyber Security > "It helps me a lot in generating reports with balance sheets and cash flow to reliably assess profitability and make better decisions in the future." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) RV Robert V. Bookkeeper and Owner > "Frequently, you have to tell them to actually read your message carefully so that they realize you have an unexpected problem and don't need a useless "support article". " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6661641) JC Jasmine C. Accountant > "The bank feeds, journals, AP and AR function are all very straightforward and the layout is nice to use." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7136437) VR Verified Reviewer Editor > "Xero does not offer a dedicated phone support line." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038704) [View Reviews](https://www.capterra.com/p/120109/Xero/reviews/) ## User interface 4.28 (711) 4.40 (3,307) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Access Controls/Permissions 207 Important Accounts Payable 150 Important Accounts Receivable 120 Important Sage Intacct 38/45 - Access Controls/Permissions - Accounts Payable - Accounts Receivable - Activity Dashboard - Activity Tracking - AI Copilot - API - Approval Process Control - Audit Management - Audit Trail - Bank Reconciliation - Billing & Invoicing - Budgeting/Forecasting - Cash Flow Management - Chart of Accounts - Compliance Management - Currency Conversion - Data Security - Document Management - Encryption - Expense Tracking - Financial Consolidation & Close Management - Financial Management - Financial Reporting - Fixed Asset Management - Fund Accounting - General Ledger - Generative AI - Income & Balance Sheet - Mobile Access - Multi-Currency - Multi-Location - Payment Processing - Payroll Management - Project Accounting - Purchase Order Management - Quotes/Estimates - Receipt Management - Recurring/Subscription Billing - Reminders - Sales Tax Management - Status Tracking - Tax Management - Third-Party Integrations - Workflow Management [See all features](https://www.capterra.com/p/76/Intacct/#features) Xero Top features 39/45 - Access Controls/Permissions - Accounts Payable - Accounts Receivable - Activity Dashboard - Activity Tracking - AI Copilot - API - Approval Process Control - Audit Management - Audit Trail - Bank Reconciliation - Billing & Invoicing - Budgeting/Forecasting - Cash Flow Management - Chart of Accounts - Compliance Management - Currency Conversion - Data Security - Document Management - Encryption - Expense Tracking - Financial Consolidation & Close Management - Financial Management - Financial Reporting - Fixed Asset Management - Fund Accounting - General Ledger - Generative AI - Income & Balance Sheet - Mobile Access - Multi-Currency - Multi-Location - Payment Processing - Payroll Management - Project Accounting - Purchase Order Management - Quotes/Estimates - Receipt Management - Recurring/Subscription Billing - Reminders - Sales Tax Management - Status Tracking - Tax Management - Third-Party Integrations - Workflow Management [See all features](https://www.capterra.com/p/120109/Xero/#features) ### Recognition No recognitions have been awarded to Sage Intacct Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports ### Deployment & support Sage Intacct Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Xero Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Sage Intacct - By Sage - Located in United Kingdom - Founded in 1981 Xero - By Xero - Located in New Zealand - Founded in 2006 ## Popular Comparisons [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.2 Features 4.3 4.2 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-190778/Intacct-vs-QuickBooks-Online) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/120109-190778/Xero-vs-QuickBooks-Online) [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) Contact vendor for pricing Price $2210/year 4.2 Features 4.4 4.2 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/76-174984/Intacct-vs-QuickBooks-Enterprise) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-174984/Xero-vs-QuickBooks-Enterprise) [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.2 Features 4.2 4.2 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/76-135757/Intacct-vs-NetSuite) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/120109-135757/Xero-vs-NetSuite) [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,564)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) Contact vendor for pricing Price $1922/year 4.2 Features 4.3 4.2 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/76-212058/Intacct-vs-QuickBooks-Desktop-Pro) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,564)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $25/month Price $1922/year 4.3 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro) [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) vs [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/)[4.00 (608)](https://www.capterra.com/p/174753/Sage-50cloud/reviews/) Contact vendor for pricing Price $124.42/month 4.2 Features 3.9 4.2 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/76-174753/Intacct-vs-Sage-50cloud) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,045)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) $25/month Price $235/month 4.3 Features 4.4 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online) [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,045)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) Contact vendor for pricing Price $235/month 4.2 Features 4.4 4.2 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/76-189398/Intacct-vs-QuickBooks-Online) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/)[4.00 (608)](https://www.capterra.com/p/174753/Sage-50cloud/reviews/) $25/month Price $124.42/month 4.3 Features 3.9 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/120109-174753/Xero-vs-Sage-50cloud)