Cloud Accounting Software Comparison: QuickBooks vs. Xero
Cloud accounting has replaced desktop spreadsheets for good reason-instant access, automation, and collaboration. Two platforms dominate the market: QuickBooks and Xero. Both simplify bookkeeping, reporting, and payroll, but subtle differences affect efficiency and cost. Choosing the right system impacts how easily your accountant or bookkeeper can keep you compliant and tax-ready. This guide compares QuickBooks and Xero so you can match features to your business size, workflow, and growth goals.
Explore our Accounting Services to see how we can help streamline your finances.
Overview of QuickBooks Online
QuickBooks remains the most widely used small-business accounting platform in the U.S.
Highlights:
- Deep integration with U.S. banks and payment processors
- Built-in payroll, time tracking, and inventory management
- Mature ecosystem of add-ons and accountants familiar with the interface
Considerations:
- Tiered pricing increases with user count
- Slightly steeper learning curve for non-accountants
It’s ideal for companies needing advanced reporting and local compliance tools.
Learn how essential financial statements can provide insight into your company’s health and growth.
Overview of Xero
Xero offers a streamlined, global-first approach to accounting.
Highlights:
- Unlimited users across all plans
- Clean interface and intuitive navigation
- 1,000 + integrations for e-commerce, POS, and inventory
Considerations:
- Payroll available only through partners in the U.S.
- Some reports less customizable than QuickBooks
Xero shines for startups, service-based firms, and businesses operating internationally.
Feature-by-Feature Comparison
| Category | QuickBooks Online | Xero |
|---|---|---|
| Bank Feeds | Instant sync with most U.S. banks | Broad global coverage |
| Users | Limited per plan | Unlimited |
| Payroll | Native in U.S. | Partner integration |
| Reporting | Highly customizable | Simple visual dashboards |
| Inventory | Built-in | Via add-ons |
| Pricing (2025 est.) | $30 – $200 / month | $15 – $78 / month |
Choosing Based on Your Business Type
- Local small businesses: QuickBooks for tax integration and CPA familiarity.
- Global or multi-user teams: Xero for collaboration and affordability.
- E-commerce or SaaS companies: Either works well when paired with A2X, Synder, or similar tools.
- Accounting firms and advisors: Offer both to match client needs.
The right choice depends on how you operate, not just price.
How RemoteBooksOnline Works With Both
We manage clients on both platforms daily.
- Certified QuickBooks and Xero experts
- Data migration and cleanup services
- Consistent monthly closes and CPA reviews regardless of platform
- Advice on which system scales best for your industry
Our goal: accuracy first, software second.
Stay organized and stress-free by learning how to keep your finances in order with our guide on monthly accounting for tax readiness.
FAQs
Which is better for small businesses, QuickBooks or Xero?
QuickBooks offers deeper reporting and U.S. payroll; Xero provides unlimited users and easier collaboration.
Can I switch between them later?
Yes. Data migration tools allow a smooth transition, though some history may require manual import.
Do both integrate with my bank?
Yes-both connect securely to major financial institutions for automatic transaction sync.
Can RemoteBooksOnline manage either system?
Absolutely. Our team supports both QuickBooks and Xero clients under the same CPA-reviewed process.
Tax professionals and CPAs rely on our QuickBooks bookkeeping services to streamline financials and scale their practices efficiently.
Grow your firm with ease using our Xero bookkeeping services, designed to deliver expert financial management while aligning perfectly with the Xero ecosystem.
