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What to use instead of Xero

Wave Accounting is the cheapest verified alternative to Xero: Wave Accounting Receipts costs $72 a year against the $300 Xero Early costs, so $228 stays in your account. 7 options below, ranked by yearly cost, each with its own verified cancellation guide.

You are leaving
Xero Xero Early
Current price
$25 / month after offer
$300 a year
Cancellation
Medium
≈ 2 minutes plus 1 month notice · Web or app store
Read cancellation guide

Verified alternatives to Xero

7 verified · checked 13 Aug 2026

Ranked by yearly cost, cheapest first. Each one links to our own verified guide, so you can see how hard it is to leave later.

Biggest saving waveapps.com
Wave Accounting Wave Accounting Receipts plan $8 / month
$228 stays with you
every year
$300 $72 a year
$72 you pay $228 you keep
Cancels in about 2 minutes Rated Easy to cancel
Switch to Wave Accounting Or read our Wave Accounting guide
Cheaper than Xero hellobonsai.com
Bonsai Bonsai Basic plan $15 / month or $108 / year
$192 stays with you
every year
$300 $108 a year
$108 you pay $192 you keep
Cancels in about 2 minutes Rated Easy to cancel
Switch to Bonsai Or read our Bonsai guide
Cheaper than Xero zipbooks.com
ZipBooks ZipBooks Smarter plan $15 / month
$120 stays with you
every year
$300 $180 a year
$180 you pay $120 you keep
Cancels in about 1 minute Rated Easy to cancel
Switch to ZipBooks Or read our ZipBooks guide
Cheaper than Xero zoho.com
ZB Zoho Books Zoho Books Standard plan $20 / month or $180 / year
$120 stays with you
every year
$300 $180 a year
$180 you pay $120 you keep
Cancels in about 3 minutes Rated Easy to cancel
Switch to Zoho Books Or read our Zoho Books guide
Cheaper than Xero patriotsoftware.com
Patriot Accounting Accounting Basic plan $20 / month after offer
$60 stays with you
every year
$300 $240 a year
$240 you pay $60 you keep
Cancels in about 2 minutes Rated Easy to cancel
Switch to Patriot Accounting Or read our Patriot Accounting guide
Cheaper than Xero freshbooks.com
FreshBooks FreshBooks Lite plan $23 / month after offer
$24 stays with you
every year
$300 $276 a year
$276 you pay $24 you keep

Why this one - Slightly lower standard entry price

Lower standard entry price No one-month cancellation notice Different accounting and reporting depth
Switch to FreshBooks Or read our FreshBooks guide

No one pays for a spot here - the cheapest option simply goes first, the Switch button goes straight to the provider, and every card links to our own verified guide.

Compared with verified subscription data

Every price and cancellation route on this page is checked against the provider's own pricing page, terms and support documentation - then dated, so you can see how fresh it is.

Sponsors never affect the order.
Prices from the provider Read off the public pricing page in USD and converted to a full year, so every card compares the same twelve months.
Every alternative has its own guide The exit route, refund stance and time to cancel come from that service’s verified guide, never from this comparison.
Difficulty scored, not guessed Steps, route, fees and refunds each feed the Cancellation Difficulty Index score shown on the guides.