Alternatives to Xero

We checked these prices between 25 October and 2 November 2026.

The selector keeps Xero for landlords and sole traders, including people with both kinds of income. Its cheapest plan is listed as £7 plus VAT a month (Simple). Of the 13 other products on this page, 10 differ from it on a free plan, five on bank feeds and four on support for jointly owned property. Xero suits landlords with multiple properties, sole traders who also need payroll and anyone already using an accountant on Xero, and we checked its prices on 25 October 2026.

If it does not fit, these are the other products the selector keeps for the same people. They are in the order the selector itself uses: how well each one fits that kind of income first, then the price, then the name. Each one’s cheapest plan and the points where it differs from Xero come from our checks of the provider’s own pages, so where we say a product does not offer something, it means we did not find it there.

If you already use Xero for Making Tax Digital, the guide to changing your MTD software explains what GOV.UK says about when you can move and what happens to your records.

For landlords

Apart from Xero, the selector keeps 39 other products for landlords. These are the first six, and the rest are in the full comparison. Xero's own cheapest plan for landlords is £7 plus VAT a month.

Landlord Studio
Cheapest plan for landlords: FreeFree plan, but each MTD submission costs £5
Landlord Studio offers a free plan (each MTD submission costs £5), which Xero does not. Landlord Studio does not offer support for self-employment income, which Xero does.
We checked Landlord Studio’s prices on 25 October 2026.
PaTMa Property Manager
Cheapest plan for landlords: Free
PaTMa Property Manager offers a free plan, which Xero does not. PaTMa Property Manager does not offer support for self-employment income, receipt capture, phone apps or access for an accountant, which Xero does.
We checked PaTMa Property Manager’s prices on 2 November 2026.
Quarterwise
Cheapest plan for landlords: Free
Quarterwise offers a free plan, which Xero does not. Quarterwise does not offer bank feeds or phone apps, which Xero does.
We checked Quarterwise’s prices on 25 October 2026.
RentalBux
Cheapest plan for landlords: FreeFree until March 2028
RentalBux offers a free plan until March 2028, which Xero does not.
We checked RentalBux’s prices on 25 October 2026.
Quartax
Cheapest plan for landlords: £39 a year including VAT, about £3.25 a month
Quartax does not offer bank feeds, receipt capture or phone apps, which Xero does.
We checked Quartax’s prices on 2 November 2026.
LetCompliance
Cheapest plan for landlords: £7.99 a month, no VAT charged
LetCompliance does not offer support for self-employment income, bank feeds or phone apps, which Xero does.
We checked LetCompliance’s prices on 25 October 2026.

For sole traders

Apart from Xero, the selector keeps 36 other products for sole traders. These are the first six, and the rest are in the full comparison. Xero's own cheapest plan for sole traders is £7 plus VAT a month.

Clear Books
Cheapest plan for sole traders: Free
Clear Books offers a free plan, which Xero does not. Clear Books does not offer handling for holiday lets, which Xero does.
We checked Clear Books’s prices on 25 October 2026.
flonancial
Cheapest plan for sole traders: Free
flonancial offers a free plan, which Xero does not. flonancial does not offer support for jointly owned property, bank feeds, receipt capture, phone apps or access for an accountant, which Xero does.
We checked flonancial’s prices on 25 October 2026.
FreeAgent
Cheapest plan for sole traders: FreeFree with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account
FreeAgent offers a free plan with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account, which Xero does not.
We checked FreeAgent’s prices on 25 October 2026.
Keepr
Cheapest plan for sole traders: Free
Keepr offers a free plan, which Xero does not. Keepr does not offer support for more than one property, support for jointly owned property, bank feeds or phone apps, which Xero does.
We checked Keepr’s prices on 25 October 2026. Xero and Keepr side by side
Monzo Business (MTD for Income Tax)
Cheapest plan for sole traders: FreeFree with a Monzo business account
Monzo Business (MTD for Income Tax) offers a free plan with a Monzo business account, which Xero does not. Monzo Business (MTD for Income Tax) does not offer support for more than one property, support for jointly owned property or access for an accountant, which Xero does.
We checked Monzo Business (MTD for Income Tax)’s prices on 25 October 2026.
Pandle
Cheapest plan for sole traders: Free
Pandle offers a free plan, which Xero does not. Pandle does not offer support for jointly owned property or handling for holiday lets, which Xero does.
We checked Pandle’s prices on 25 October 2026. Xero and Pandle side by side

For people with rental and self-employment income

Apart from Xero, the selector keeps 29 other products for people with rental and self-employment income. These are the first six, and the rest are in the full comparison. Xero's own cheapest plan for people with rental and self-employment income is £7 plus VAT a month.

Quartax
Cheapest plan for people with rental and self-employment income: £59 a year, about £4.92 a month, VAT not stated
Quartax does not offer bank feeds, receipt capture or phone apps, which Xero does.
RentalBux
Cheapest plan for people with rental and self-employment income: £9.50 plus VAT a month, billed yearly
RentalBux offers a free plan until March 2028, which Xero does not.
Quarterwise
Cheapest plan for people with rental and self-employment income: £12 a month, VAT not stated
Quarterwise offers a free plan, which Xero does not. Quarterwise does not offer bank feeds or phone apps, which Xero does.
Landlord Vision
Cheapest plan for people with rental and self-employment income: £21.97 plus VAT a month
On the features we compare, Landlord Vision offers the same as Xero.
We checked Landlord Vision’s prices on 1 November 2026.
Clear Books
Cheapest plan for people with rental and self-employment income: Free
Clear Books offers a free plan, which Xero does not. Clear Books does not offer handling for holiday lets, which Xero does.
flonancial
Cheapest plan for people with rental and self-employment income: Free
flonancial offers a free plan, which Xero does not. flonancial does not offer support for jointly owned property, bank feeds, receipt capture, phone apps or access for an accountant, which Xero does.

Each of these products has its own page of alternatives as well, which may help if one of them comes close to what you need but is not quite right.

You may also find this page useful: Xero price history.

Narrow these down with the selector See every product we compare

The order on this page comes only from the selector’s rules. How we compare products and how this site is funded explain the rest.

Hear about price changes once a month

We’ll email you a link to confirm first. Once you confirm, Acrenvo will send one email a month summarising the MTD software price changes we have checked and any changes to HMRC’s list of software for MTD for Income Tax, with links to the pages on Acrenvo where each change is recorded. Each email may also pick out one dated finding from that month’s record and list the coming MTD for Income Tax deadlines. If nothing changed in a month, we send nothing. In future it may also carry one advert and news of paid guides or templates from Acrenvo, each clearly labelled for what it is. Every email has a stop link, and stopping takes a single click.

Email address

This is separate from the deadline reminders, and signing up for one does not sign you up for the other. No account is needed. How we use your email address. Past emails and what each one holds