15 Xero Alternatives (2026)

Papertools Verified

Powerful accounting, built for people running a business.

Papertools brings accounting, everyday business paperwork and financial insight into one connected workspace. Built for sole traders, freelancers and small businesses, it combines proper double-entry bookkeeping with practical tools for selling, purchasing, getting paid, managing staff and...

Billable Hub Verified

Professional invoicing at a fair price

Billable Hub is a response to an industry that is over-priced, bloated, and has a high cost barrier to entry. Solo freelancers and small teams sometimes just need time tracking and invoicing. You should not have to pay for dozens of other unnecessary features. We created Billable Hub with one goal...

SnapBooks Verified

Canadian bookkeeping for the self-employed

SnapBooks is bookkeeping software built specifically for Canadian freelancers and sole proprietors filing a T2125 with the CRA. When QuickBooks Self-Employed Canada shut down in 2024, thousands of self-employed Canadians had nowhere to go. Everything else was either too expensive or built for...

OneBookPlus

OneBookPlus is an all-in-one business management platform.

OneBookPlus is an Australian-owned, all-in-one business management platform built in Melbourne for small and medium businesses across more than 40 industries - from trades and cleaning to healthcare, fitness, retail and professional services. It replaces fragmented stacks like Xero + ServiceM8 +...

OwePilot

Put unpaid invoices on autopilot

OwePilot helps small service businesses recover revenue by automating the follow-up process for unpaid invoices. The platform sends professional payment reminders to clients at scheduled intervals and automatically stops the sequence once an invoice is marked as paid. By handling the repetitive...

Sole App

End-to-end accounting for businesses and accounting firms

Sole App is an end-to-end accounting platform designed for small businesses, freelancers, and accounting firms. It brings invoicing, expense tracking, bookkeeping, and financial reporting into one simple, unified system. Key features include fast invoice creation, automated expense tracking...

RealContractorPay

Financial decision engine for 1099 contractors

RealContractorPay is an all-in-one financial decision engine and tax intelligence platform engineered specifically for US 1099 contractors, freelancers, gig workers and solopreneurs. Navigating the financial transition to self-employment often leads to unexpected tax liabilities, complex...

Invoice Buddy

The complete toolkit to run your small business

Invoice Buddy is the ultimate co-pilot for Australian small businesses, freelancers, and sole traders. We combine lightning-fast tools with a powerful suite of features designed to manage your entire job lifecycle in one place: Win the Work: Create and send professional quotes instantly. Track the...

Nitovi

Most businesses juggle 5+ tools just to run day-to-day opera

Most businesses juggle 5+ tools just to run day-to-day operations - one app for accounting, another for CRM, a separate one for payroll, and yet another for POS. Nitovi brings it all into a single dashboard: ERP, CRM, HRM, and POS in one platform. Manage sales, finance, HR, and inventory without...

ZeniGrowth

CRM and full accounting for small businesses

ZeniGrowth provides an all-in-one platform for SMBs to manage operations from lead to financial report. The software integrates pipeline management, quotes, invoices, and bills with full accounting capabilities like journal entries and financial reports. Designed to replace disconnected tools, it...

InvoiceSent

Send better invoices with less admin

**InvoiceSent** is an easy-to-use online invoicing platform built specifically for freelancers, consultants, agencies, and small businesses that want to simplify their billing workflow. The software enables users to create branded, tax-compliant invoices with live previews, manage customer...

SPRK Desktop

Easy to use Accounting software for Accountants

SPRK is an accounting platform built around privacy, control, and ownership of your financial data. It gives firms and business owners a single place to manage multiple companies and entities without giving up control of their information. Your data remains accessible to you, without artificial...

Ovaro

AI Invoicing for Freelancers & Sole Traders

About Ovaro Ovaro helps freelancers and sole traders get paid faster with AI‑powered invoicing. Create professional invoices by voice, prompt, or manual entry, all in under 30 seconds. Accept tap‑to‑pay on your phone, send one‑click payment links, and receive automatic overdue reminder...

Built For Small Business

Free invoicing expenses and payroll for UK small firms

Built For Small Business is a free all-in-one platform for UK small businesses. It covers professional invoicing, expense tracking, payroll, client management, and profit & loss reporting. Payments are handled via Stripe integration. There is no trial period, no hidden costs, and no credit card...

FinSeam

AI-native accounting and continuous reconciliation layer

Most finance teams still reconcile bank statements manually - downloading PDFs, copying rows into spreadsheets, chasing exceptions for days every month-end. The problem: payment rails settle transactions in seconds but back offices still run on T+2 batch cycles. That gap costs enterprises...