Sphere vs Xero
    Pricing, Invoice Limits & Features

    Sphere gives you unlimited invoices and users for $25/month. On Xero, unlimited invoicing starts at $59/month.

    Best Value

    Sphere

    $25
    per month
    Unlimited invoices & users
    Monthly Price
    $25/mo
    Free Plan
    Unlimited Invoices
    Unlimited Users
    AI Financial Assistant (ask questions about any of your data)
    Branded Invoices
    Credit Card Fees (Online Invoice Payments)
    2.9% + $0.30
    Payment Processing
    Built in, powered by Stripe
    Double-Entry Accounting
    Chart of Accounts
    Financial Reporting

    Xero

    $27
    per month
    Early plan: 20 invoices & 5 bills per month
    Monthly Price
    $27/mo
    $59/mo for unlimited invoicing
    Free Plan
    No free plan
    Unlimited Invoices
    Limited to 20/mo on $27 plan
    Unlimited Users
    AI Financial Assistant
    Branded Invoices
    Credit Card Fees (Online Invoice Payments)
    2.9% + $0.30
    Payment Processing
    Connect a Stripe account
    Double-Entry Accounting
    Chart of Accounts
    Financial Reporting

    Unlimited Invoicing Without the Upgrade

    Xero's entry plan looks close to Sphere's price, but its invoice and bill limits push most growing businesses onto a more expensive plan.

    Cost of Unlimited Invoices

    Sending more than 20 invoices a month? Here's what each platform charges once you need unlimited invoicing.

    Sphere
    Basic plan
    $25/mo
    $300 per year
    Xero
    Growing plan
    $59/mo
    $708 per year
    You save $408 per year
    That's $34 a month back in your business, with unlimited users included too.

    Just Getting Started?

    Xero doesn't have a free plan. Sphere's Free plan lets you run your books at no cost and upgrade only when you need to.

    Sphere
    Free plan
    $0/mo
    bank syncing included
    Xero
    Early plan
    $27/mo
    after free trial
    Free forever, no credit card
    Unlimited bank connections, 50 transactions and 5 invoices a month, plus the AI financial assistant.

    When Xero Makes Sense

    Xero is a strong choice if you need multi-currency or inventory tracking. For US small businesses that want simple, modern books with invoicing and payments built in, Sphere does the job for less than half the price of Xero's Growing plan.

    Why Choose Sphere?

    No Invoice Caps

    Xero's $27 plan stops at 20 invoices and 5 bills a month. Sphere's $25 Basic plan includes unlimited invoices and users.

    Payments Built In

    Clients pay invoices by card or ACH right from the email. Processing is built right into Sphere and powered by Stripe.

    AI-Powered

    Ask Sphere's AI Financial Assistant anything about your numbers in plain English, from monthly profit to your biggest expenses.

    Frequently Asked Questions

    How much does Xero cost?

    Xero's US plans are Early at $27/month, Growing at $59/month, and Established at $97/month (regular prices). The Early plan is limited to 20 invoices and 5 bills a month, so most businesses that invoice regularly need Growing at $59/month.

    Does Xero have a free plan?

    No. Xero offers a free trial but no free plan. Sphere has a Free plan that includes unlimited bank connections, 50 transactions a month, and 5 invoices a month at no cost.

    Is Sphere cheaper than Xero?

    Yes. Sphere's Basic plan is $25/month with unlimited invoices and unlimited users. Getting unlimited invoicing on Xero requires the Growing plan at $59/month, so Sphere costs $34/month less, or $408 a year.

    Is Sphere a good Xero alternative?

    Yes, for US small businesses that want simple, modern accounting. Sphere includes unlimited invoices and users on its $25/month Basic plan, built-in online invoice payments powered by Stripe, and an AI financial assistant that answers questions about your data. Xero is a strong fit if you need multi-currency or inventory features.

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