Side by side
Accountable and Xero, side by side
Facts and list prices checked Sep 2026.
Price for 1 company
Accountable: $0 on Free (100 transactions categorized automatically a month), or $149 a month on Pro.
Xero: $59 a month on Growing from October 1, 2026 ($55 before). Early is $27 with 20 invoices and 5 bills; Established is $97.
Price for 3 companies
Accountable: $198 a month on Pro: $149 covers 2 companies, and the third costs $49.
Xero: $177 a month on Growing from October 1, 2026. Xero is phasing out its multi-organization discount from that date.
How companies are billed
Accountable: One bill for the whole workspace. Pro includes 2 companies and charges $49 for each extra one. Holding costs $399 for 10 companies and $29 for each extra one. Users are unlimited, and your accountant's seat is always free.
Xero: Each organization is its own subscription. One login switches between them, and users are unlimited.
Combined view across companies
Accountable: All companies shows every company's cash, burn and runway side by side, and Holding builds consolidated statements.
Xero: None built in. Xero teaches consolidation in Syft Analytics, a separate reporting app it owns.
AI agent access (MCP)
Accountable: Read-only on Free. Read and write on Pro: changes apply at once, are logged under the agent's name and can be undone. Entries of $5,000 or more wait for an owner, closed months stay locked, and an agent can preview any change first.
Xero: Xero's Claude connector reads profit and loss, cash and invoices. Its open-source MCP server can write invoices, contacts and payments, and runs on your own computer.
Month-end close
Accountable: The month closes on the 1st: reconciled to the bank, reviewed, locked and reported. Mercury, Brex, Ramp and Stripe sync every 15 to 30 minutes, and new transactions post on the next sync.
Xero: You reconcile each bank account in Xero. JAX, Xero's AI, predicts and matches bank transactions and drafts invoices.
Moving your books in
Accountable: Free. Upload Xero's General Ledger Detail and a trial balance by month; the agent rebuilds every month and ties each month-end to Xero to the cent.
Xero: Xero's own tools and partners move books in from other software.
Invoices and payments
Accountable: Send invoices from Accountable; when a payment reaches your bank, it asks whether to mark the invoice paid. Customers can't pay invoices by card yet.
Xero: Invoices, quotes and bills, with online payment on invoices.
Free plan or trial
Accountable: Free plan for 1 company, with 100 transactions categorized automatically a month. A 14-day Pro trial needs no card.
Xero: A free trial. There is no free plan.
Choose Accountable if
- You run several companies and want them on one screen. All companies shows each company side by side, and Holding adds consolidated statements without another app.
- You want your books closed by the 1st. Every account is reconciled to its statement and the month locks, with a report for you and your CPA.
- You want your agent to keep the books with nothing to install. On Pro, Claude or ChatGPT can categorize and post entries, with big changes waiting for your approval.
- You are a startup on Mercury, Brex, Ramp and Stripe and want burn and runway always current.
Choose Xero if
- You want the lowest price per company. Xero Growing is $59 a month, so three companies cost $177 against Accountable's $198.
- You invoice a lot and want customers to pay online. Xero takes online payments on invoices, and Accountable does not take card payments yet.
- You work outside the US. Xero is built for many countries' taxes, and Accountable is built for US companies.
Switch
Moving from Xero takes 3 steps.
Export two reports from Xero. Upload them, and the agent proves every month. Approve once and add your other companies.
Questions about switching from Xero
Is Accountable cheaper than Xero?
Not per company: Xero Growing is $59 a month and Accountable Pro is $149 for 2 companies. Three companies cost $177 on Xero and $198 on Accountable; from the eighth company, Accountable Holding at $399 for 10 costs less.
Can I move from Xero without losing history?
Yes. Upload Xero's General Ledger Detail and monthly trial balances, and every month-end is checked against Xero to the cent before your history goes live.
Does Xero do consolidated statements?
Not on its own. Xero points owners of several entities to Syft Analytics for consolidation. Accountable Holding builds them in the app.
Will my accountant be able to work in Accountable?
Yes. The accountant seat is free on every plan, and they can export the trial balance, general ledger and statements at any time.
Competitor facts and list prices checked Sep 2026. Sources:
AI bookkeeping for startups
Get your books done by the 1st.
Free for one company. 14 days of Pro with no card. Moving your books is free. No sales calls.