# Compare Expensify vs Xero 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Expensify and Xero based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/97594-120109/Expensify-vs-Xero --- # Expensify vs Xero Features and Cost Comparison Last updated July 9th, 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: ExpensifyXero2/4 selected [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.5 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) [## Expensify](https://www.capterra.com/p/97594/Expensify/)[4.5 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) Starting Price $5.00/month Value-for-Money 4.3 Functionality 4.4 Ease of Use 4.5 Customer Service 4.2 Reviews Sentiment Based on [1,343 reviews](#user-reviews) Positive 1,210 Neutral 66 Negative 67 [## 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. ## Summary * * * Key features rated by users Features selected based on 8,373 reviews from expense report 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 72%Fit Not enough reviews Feature ratings Expense Tracking 4.6 Receipt Management 4.6 Expense Claims 4.7 Invoice Management \-- Timesheet Management 3.6 72%Fit Missing features Feature ratings Expense Tracking 4.4 Receipt Management 4.6 Expense Claims 4.4 Invoice Management 4.5 Timesheet Management NA User satisfaction User satisfaction 4.5 User reviews[1,343](https://www.capterra.com/p/97594/Expensify/reviews/) Ease of use 4.5 Functionality 4.4 Value for money 4.3 Customer support 4.2 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 $5Per User, Per Month - Free version - Free trial Price starts from $25Flat Rate, Per Month - Free version - Free trial Best for Best for Expensify is used by accountants, churches, colleges, construction, financial services, insurance, legal, logistics, nonprofits, trainers, plumbers, real estate, SaaS, startups, tech, and trucking. 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 AM Ambika M. Software Engineer > "It provides great visibility for management to track team spending, reduces the friction of employee reimbursements, and ensures compliance without forcing anyone..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7163922) RK Rizwan K. ERP Solution Architect > "It doesn’t provide a comprehensive audit log of user changes to an expense, making it difficult to track who modified what and when." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7178913) MS Marco S. Director of Operations > "What really stands out is how well Expensify integrates with accounting systems and corporate cards, creating a smooth end‑to‑end workflow from purchase to..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7137537) FR Frank R. Billing Specialist > "The competitive pricing levels are not very good value money when it comes to a mid-sized boutique, and the customer support is annoyingly slow when we have to deal..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7125033) GD Gina D. Sales > "User-friendly and real-time notifications, automatic receipt capture with notifications, integrates seamlessly with Apple Wallet, time saving and organized." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7088000) David L. Principal Product Manager > "Also, if you add a receipt but do not attach it to a specific report, there does not seem to be any way to remove it so it stays on your profile indefinitely which..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7106510) AM Ambika M. Software Engineer > "The automated workflows and seamless integration with our accounting software make the entire approval and reimbursement process fast and completely painless" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7163922) JP Jennifer P. Director of People Operations > "The only feedback I can think of is that it does not seem to allow a user to add multiple receipts at a time for one expense (unless I just haven't noticed how to..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7156924) NB Nikhil B. software engineer > "The mobile receipt scanning is fast and accurate, the Uber integration means ride expenses log themselves, and the digital approval workflow replaced a slow,..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7134783) HC Hilary C. Owner > "The interface can feel outdated at times, and occasional syncing issues may require manual adjustments or troubleshooting." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7127828) SB Sabrina B. Operations Associate > "The process from uploading invoices/receipts to completing and submitting an expense report to be approved by a manager/finance department is seamless and can be..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7095411) Moegamat E. Support > "At times, receipt scanning doesn’t pick up all details correctly, so minor manual edits are needed." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7176790) AM Ambika M. Software Engineer > "Being able to just snap a photo of a receipt and have the app automatically extract the merchant, date, and amount with high accuracy saves an incredible amount of..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7163922) Chris G. consultant > "There can be some small issues with the auto scanning of receipts but nothing that can't be corrected in a few seconds" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7075504) FR Frank R. Billing Specialist > "The convenience of the day-to-day cost control is simply stunning as our jewelry customers can easily scan the paper bills on international gem trade exhibitions..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7125033) David L. Principal Product Manager > "Third, the new Expensify layout can be completely blocked (it will say that it locked by admin) when the old one is usable." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7106510) RK Rizwan K. ERP Solution Architect > "Customer support has also been responsive and helpful whenever I’ve needed assistance. While I’d like to see a more comprehensive audit log for tracking changes to..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7178913) SB Sabrina B. Operations Associate > "I had a small issue when submitting my first expense report as my manager had not been assigned to be the one who approves my expenses first." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7095411) MM Michael M. Sr Producer > "The template copying feature is a huge time-saver; being able to duplicate a previous month’s recurring expense makes the whole process incredibly quick." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7166558) VR Verified Reviewer Sr AI Analyst > "The creation of expanses and adding them to report and then submitting them is very confusing and not the best UX." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7100108) CUJ Chris U. J. Bookkeeper and Administrative Support in Canada > "This integration helps create a seamless workflow between clients and bookkeepers and keeps the overall accounting process much smoother." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7125287) HB Hyde B. Head Distiller > "Occasionally I do find that the receipt scanning tool can malfunction and misread a receipt causing me to have to long the information manually however it is a..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6883348) Alicia J. CUA Driver > "My overall experience is, I have enjoyed using this app to upload my receipts and expenses on a daily basis with such ease without having to use the old process we..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7118712) VR Verified Reviewer Project Manager > "If I have to find faults then sometimes the mileage calculator isn't very efficient but that's really splitting hairs!" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7115911) Rejeo M. Senior Test Engineer > "I use Expensify app for work since past 2 years now, and it does a splendid job with expense tracking and reimbursement." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7080220) SD Suzanne D. Partnership manager > "Occasionally it logs you out of the system and you have to log in again which is a little annoying! But no huge issue really!" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7161589) JJ Joe J. Systems Engineer > "You can use the drag and drop method of importing receipts or emailing a copy of the receipt to the receipts email address of us the mobile app and snap a pic..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7067673) JW James W. Account Executive > "My company doesn't allow it to auto submit so now I receive an email every day saying the app couldn't auto submit my report." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7031113) Justin T. Navigation Officer > "Expensify simplifies, and streamlines expense tracking, reimbursement, and more! Although my uses for the app are limited to my work requirements, whenever there..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7072836) Walter C. Scripting Specialist > "The only thing I didn't like was that after going through the process of entering all my expenses and then completing that process, I had to do another step to..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6878475) VR Verified Reviewer VP, Product and Market Development > "Expensify's ability to input multiple receipts with a single email, the very intuitive user interface, and the quick way to edit and complete individual expenses..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6885924) DA Dawdu A. BASED > "Sometimes the customer support could provide better way to report bugs and issues but some bugs pop up once and a while." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7067834) VR Verified Reviewer Sr. Director of Life and Workforce Readiness > "For both staff and our finance department, it has helped reduce the amount of paper that is needed to be filled out, turned in and then filed after approval." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7086287) Brittney P. Implementation Specialist > "My receipts into one expense report to submit to management for approval I couldn’t give the report a custom name." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7012797) RW Ray W. Consultant > "Just snap a pic of your receipt with the mobile app and let the SmartScan technology work its magic – no more squinting at faded receipts or fumbling with crumpled..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6885191) VR Verified Reviewer Community Manager > "Sometimes I would have trouble with coding expenses, but I think that was mostly user error to begin with." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7108010) JU Jeremiah U. Managing Director > "What is great is that you can connect a credit card to it and it will automatically keep track of transactions. If the amount is below $75, it will generate a..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6861548) Andrea M. Vice President, Instructional Design Services > "At times, a receipt would not scan accurately and I found it difficult to update the information manually." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6870251) EL Eric L. Owner > "It allows me to plug in the receipt and then uses AI to fill in the details for me which is a large time saver." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6875530) VR Verified Reviewer Executive Assistant > "Setup takes a little time to get right, and sometimes the mobile app can lag when syncing receipts." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7009580) David L. Principal Product Manager > "I liked some of the features including OCR scanning of receipts as it made submission of international receipts easier." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7106510) NF Nick F. Sr. Director, Data and Intelligence > "The biggest complaints I've heard from my team were just down to the selections available in drop-downs and those aren't an expensify issue but rather a config..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7073673) VR Verified Reviewer CSM > "The online platform is a breeze to use, and the mobile app is intuitive and makes uploading receipts easy—whether using the camera or pulling from the photo library." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7089642) AG Andrew G. Product Line Director > "I wish I could have the hours of my life back that I wasted doing expenses "the old way"" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7152674) PW Peter W. Scientist > "Additionally, the ability to upload receipts and track reimbursement status in real time saves a lot of time compared to manual processes." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7048953) RajKumar A. Director Customer Success > "Sometimes the accuracy lacks a bit." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7085341) Alicia J. CUA Driver > "I’m able to see that my stuff has been uploaded and get updates once everything is reviewed so that I know that everything is squared away on my end." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7118712) WC Whitney C. Executive Assistant > "The only downside is having to upload receipts when money is credited back (for returns)." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7061568) YF Yuji F. Owner > "Currency conversion from local currency to Japanese Yen is automatic in Expensify, It saved tons of time for small company owner." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7164157) Martin L. VP Carrier Sales > "For me, when travelling, I would say that I lose about 20-30% of my receipts each trip, each month." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7036668) MS Marco S. Director of Operations > "Receipt scanning works seamlessly, accurately capturing details and significantly reducing manual entry time." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7137537) GP Gianna P. EVP of HR and Finance > "I kept proving we were not using this platform or how it would not integrate properly to please let us cancel and they refuse even when there was only a few months..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6801321) CUJ Chris U. J. Bookkeeper and Administrative Support in Canada > "Clients can group their expenses and submit them without overcomplicating the process, which helps maintain consistency." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7125287) KN Kelly N. Generator Install Admin > "My Company hasn't put many Categories to justify the charges - which doesn't reflect Exspensify's app" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7033470) VR Verified Reviewer Sr. Director of Life and Workforce Readiness > "We've been using it for three years and being reimbursed quickly has pleased staff, especially not having to fill out a bunch paperwork, printing out maps, etc." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7086287) Justin T. Navigation Officer > "Sometimes the process for attaching receipts can glitch." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7072836) AV Arne V. Controller > "Transactions came in fast and the ability for the software to capture the default receipt automatically was nice" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7169960) Kevin R. Design Draftsman > "Occasionally it misinterprets the date, reading the format incorrectly." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6877736) SB Sabrina B. Operations Associate > "It's easy to use, it can fill in information from invoices/receipts automatically, the process is very intuitive and the overall process of creating an expense..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7095411) KN Kevin N. Director of Training > "Mine does not automatically load the receipt for our accounting team. " [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6851678) Joshua M. Customer Success Manager > "I have to use it for work and I really love the GPS tracking feature, it makes things so easy to submit mileage." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7097306) VR Verified Reviewer Client Success Manager > "Sometimes when you're adding multiple reports it can be confusing to differentiate expenses." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6860334) Elizabeth A. Fraud and Identity Associate > "The platform made it quick and easy to submit my reimbursement to my employer, and the turnaround time was impressive—less than 24 hours." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7089937) SC Stephanie C. Account Executive > "The only negative is that the GPS sometimes shuts off on its own, otherwise it is very accurate to record mileage" [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6841779) DS Darren S. Product Owner > "Expensify saves me time and ensures I stay on top of tracking and submitting all my expenses." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7117565) David B. Owner > "The app and the web page differ so much." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7123850) JP Jennifer P. Director of People Operations > "Expensify is very user friendly - it's extremely easy to upload receipts, add purchase details and find the appropriate coding for your company's GL/charge..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7156924) VR Verified Reviewer Google Cloud Specialist > "Before using Expensify, month-end expense reporting was a task I dreaded." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7008886) HC Hilary C. Owner > "Overall, Expensify is a practical tool that saves time on expense management, especially for growing teams and businesses." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7127828) CA Cody A. Key Account Manager > "It can get a bit cluttered with all receipts from a long trip." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7016326) Thibault M. Digital Strategist and AI Specialist > "I really appreciate how mature the product feels and how well it fits both personal use and business workflows, which is why I always come back to it when I’m..." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7101665) VR Verified Reviewer BIM Manager > "Bulk edit is still not at the level it could be." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7037374) AB Ana B. Software developer > "Expensify is a great tool for managing everyday business expenses and employee reimbursements." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7164503) SS Steven S. Project Manager > "It usually doesn't work for me, despite having access to my location." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6861809) VR Verified Reviewer Software Engineer > "Expensify saves time, reduces errors, provides clear visibility for managers, and offers strong security and customer support." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7017927) LF Lina F. Marketing > "Seriously, save yourself the headache and don't even try this platform unless you want annoying emails several times a month and charges with no explanation." [See full review](https://www.capterra.com/p/97594/Expensify/#SoftwareAdvice___6739782) LX Livia X. System and Reporting Accountant > "The ability to customise for transaction sync and reporting is also great." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7135611) VR Verified Reviewer Field Operations Specialist > "The team should focus on the app from the perspective of a new user and right now for a first time user, its a bit confusing." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7035498) CUJ Chris U. J. Bookkeeper and Administrative Support in Canada > "Another major advantage is that Expensify can integrate directly with accounting software like QuickBooks." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___7125287) GP Gianna P. EVP of HR and Finance > "We were suppose to be locked in at $5 per user and they tried multiple times to charge more so I had to keep disputing." [See full review](https://www.capterra.com/p/97594/Expensify/#Capterra___6801321) [View Reviews](https://www.capterra.com/p/97594/Expensify/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 [Expensify](https://www.capterra.com/p/97594/Expensify/) 4.50 (1,343) 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 Accounting Integration 150 Important Activity Dashboard 120 Important Expensify Top features 38/42 - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - API - Approval Process Control - Audit Trail - Automated Receipt Matching - Billable & Non-Billable Hours - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Corporate Card - Credit Card Management - Customizable Fields - Customizable Templates - Data Import/Export - Duplicate Detection - Electronic Payments - Expense Claims - Expense Tracking - Financial Analysis - Generative AI - Invoice Management - Mileage Tracking - Mobile Access - Mobile Receipt Upload - Multi-Currency - Optical Character Recognition - Policy Management - Real-Time Notifications - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Secure Data Storage - Single Sign On - Spend Control - Third-Party Integrations - Timesheet Management - Workflow Management [See all features](https://www.capterra.com/p/97594/Expensify/#features) Xero 21/42 - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - API - Approval Process Control - Audit Trail - Automated Receipt Matching - Billable & Non-Billable Hours - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Corporate Card - Credit Card Management - Customizable Fields - Customizable Templates - Data Import/Export - Duplicate Detection - Electronic Payments - Expense Claims - Expense Tracking - Financial Analysis - Generative AI - Invoice Management - Mileage Tracking - Mobile Access - Mobile Receipt Upload - Multi-Currency - Optical Character Recognition - Policy Management - Real-Time Notifications - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Secure Data Storage - Single Sign On - Spend Control - Third-Party Integrations - Timesheet Management - Workflow Management [See all features](https://www.capterra.com/p/120109/Xero/#features) ### Recognition Expensify is recognized as a top-rated tool in 1 Capterra Shortlist reports Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports ### Deployment & support Expensify 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 Expensify - By Expensify - Located in United States - Founded in 2008 Xero - By Xero - Located in New Zealand - Founded in 2006 ## Popular Comparisons [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $5/month Price $7/month 4.4 Features 4.2 4.5 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-97594/Concur-Expense-vs-Expensify) [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) [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) vs [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) $5/month Price $3/month 4.4 Features 4.5 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/97594-142384/Expensify-vs-Zoho-Expense) [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) [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) vs [webexpenses](https://www.capterra.com/p/140646/webexpenses/)[4.52 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/) $5/month Price Contact vendor for pricing 4.4 Features 4.4 4.5 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/97594-140646/Expensify-vs-webexpenses) [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) [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/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/) $5/month Price $38/month 4.4 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/97594-190778/Expensify-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 Intacct](https://www.capterra.com/p/76/Intacct/)[4.28 (711)](https://www.capterra.com/p/76/Intacct/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero) [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) vs [Circula](https://www.capterra.com/p/185116/Circula/)[4.62 (566)](https://www.capterra.com/p/185116/Circula/reviews/) $5/month Price €10/month 4.4 Features 4.5 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/97594-185116/Expensify-vs-Circula) [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) [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) vs [Lanes & Planes](https://www.capterra.com/p/183676/Lanes-Planes/)[4.64 (685)](https://www.capterra.com/p/183676/Lanes-Planes/reviews/) $5/month Price €95/month 4.4 Features 4.4 4.5 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-183676/Expensify-vs-Lanes-Planes) [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)