Xero vs YNAB

Features, integrations, platforms and pricing, side by side. They share 2 features.

Facts come from each app’s listing. Payment never changes this comparison.

Xero

Finance

Online accounting for small businesses

From $25/mo

Finance

Zero-based budgeting that changes how you handle money

From $14.99/mo

Xero compared with YNAB
Attribute	Xero	YNAB
Pricing
Model	Paid	Paid
Paid plans from	$25 / month	$14.99 / month
Free plan	No	No
Plans	From $25/month (Early plan); Growing and Established plans; free trial	$14.99/month or $109/year; 34-day free trial
Platforms3 shared
Android	Yes	Yes
iOS	Yes	Yes
Web	Yes	Yes
Features2 shared · 6 only in Xero · 3 only in YNAB
Expense tracking	Yes	Yes
Reporting dashboards	Yes	Yes
Bookkeeping & accounting	Yes	No
Invoicing	Yes	No
Multi-currency	Yes	No
Online payments	Yes	No
Payroll	Yes	No
Tax reports	Yes	No
Budgeting	No	Yes
Progress tracking	No	Yes
Real-time collaboration	No	Yes
Integrations0 shared · 4 only in Xero
HubSpot	Yes	No
PayPal	Yes	No
Shopify	Yes	No
Stripe	Yes	No

Model
Xero
Paid
YNAB
Paid
Paid plans from
Xero
$25 / month
YNAB
$14.99 / month
Free plan
Xero
No
YNAB
No
Plans
Xero
From $25/month (Early plan); Growing and Established plans; free trial
YNAB
$14.99/month or $109/year; 34-day free trial

3 shared

2 shared · 6 only in Xero · 3 only in YNAB

0 shared · 4 only in Xero

Ranked by relevance. Payment never changes this order.How ranking works