Xero vs Quicken: Which Accounting Software Wins in 2025? 

por | 19 de mayo de 2025

Ganador
Xero Best
4.8
  • Panel de control de la cuenta
  • Plantilla de factura
  • Contabilidad avanzada
  • Panorama empresarial
  • Automatizar la entrada de facturas
  • Prueba gratuita disponible
  • Planes de pago desde $29/mes
Subcampeón
quicken
3.0
  • All Recurring
  • Flagship Checking
  • Spending Plan
  • Link Transaction
  • Spending Watchlist
  • Prueba gratuita disponible
  • Paid Plans from $5.59/month
Xero vs Quicken

Are you struggling to keep track of your negocio money?

It can be a real headache trying to manage income and expenses. 

Imagínese having software that makes it easy to see where your money is going and helps you stay organized.

But with so many choices out there, like Xero vs Quicken. 

It’s tough to know which one is the best fit for you. 

Descripción general

We’ve tested both Xero and Quicken, exploring their features and how they handle everyday business tasks.

Our hands-on testing focused on ease of use, core contabilidad functions, and overall value to bring you this clear comparison.

CTA de Xero
4.8de 5

Join 2 million+ businesses using Xero cloud-based accounting software. Explore its powerful invoicing features now!

Precios: It has a free trial. paid plan starts at $29/month.

Características principales:

  • Conciliación bancaria
  • Facturación
  • Informes
Quicken cta
3de 5

Want to take control of your finances? With Quicken, you can connect to thousands of financial institutions. Explore it for more!

Precios: It has a free trial. The premium plan at $5.59/month.

Características principales:

  • Budgeting Tools
  • Bill Management
  • Investment Tracking

¿Qué es Xero?

So, you’re curious about Xero?

It’s a popular online accounting software—many pequeñas empresas like it.

It helps manage your money stuff in the cloud.

Además, explora nuestros favoritos Alternativas a Xero

Diseño sin título 1 4

Nuestra opinión

CTA de Xero

Únase a más de 2 millones de empresas usando Xero Software de contabilidad. ¡Explora sus potentes funciones de facturación ahora!

Beneficios clave

  • Conciliación bancaria automatizada
  • Facturación y pagos en línea
  • Gestión de facturas
  • Integración de nóminas
  • Informes y análisis

Precios

  • Motor de arranque: $29/mes.
  • Estándar: $46/mes.
  • De primera calidad: $69/mes.
precios de xero

Ventajas

  • Ideal para gestionar facturas en línea.
  • La conciliación bancaria es muy eficiente.
  • Hay muchas integraciones disponibles.
  • La interfaz de usuario es bastante amigable.

Contras

  • Las funciones de IA son algo limitadas en comparación con otras.
  • Los planes de nivel inferior tienen límites de transacciones.
  • La atención al cliente a veces puede ser lenta.

What is Quicken?

Okay, let’s talk about Quicken. It’s been around for a while.

People often use it for personal finance.

But it also has options for small businesses. It’s the software you usually install on your computer.

Además, explora nuestros favoritos Quicken alternatives

Quicken homepage

Nuestra opinión

Quicken cta

Looking to get a grip on your finances? With over 40 years of experience, Quicken has helped more than 20 million members take control of their money.

Beneficios clave

Quicken is a powerful tool for getting your financial life in order.

They boast over 40 years of experience and have been a #1 best-selling product.

Their various plans can connect to over 14,500 financial institutions.

You can also get a 30-day money-back guarantee to try it out risk-free.

  • Connects with thousands of banks and credit cards.
  • Creates detailed budgets.
  • Tracks investments and net worth.
  • Offers retirement planning tools.

Precios

  • Quicken Simplifi: $2.99/month.
Quicken Pricing

Ventajas

  • It connects all your accounts easily.
  • Budgeting and tracking are straightforward.
  • It helps manage investments effectively.
  • You can plan well for retirement.
  • It offers a complete financial picture.

Contras

  • The subscription cost can add up.
  • Some users find the interface complex.
  • La atención al cliente a veces puede ser lenta.
  • You need to pay for updates.

Comparación de características

Let’s dive deeper into the core functionalities of Xero and Quicken.

This detailed feature comparison will help you evaluate which platform offers the right key features to handle your daily financial tasks and support your business growth.

1. Core Accounting Focus

  • Xero: This is a pure cloud-based contabilidad software. It is designed for small to mid-sized established businesses and growing businesses to handle full financial management, financial reporting, and expense tracking with real-time datos.
  • Quicken: This platform is primarily known as personal finance software with strong features for managing personal bank accounts, investments, and household budgets. Its business features are an add-on, making it suitable for independent contractors or very small operations.

2. Expense Tracking and Bill Management

  • Xero: Xero lets you easily capture bills and track expenses. You can enter invoices owed, manage accounts payable functionality, and approve payments, which minimizes manual data entry through automatic bank feeds.
  • Quicken: Quicken software allows for strong personal expense tracking and bill monitoring. While its “Home & Business” tier supports basic business finances, it lacks the advanced approval workflows and detailed supplier management needed by established businesses.

3. Reporting and Financial Position

  • Xero: Xero’s reporting features are powerful, offering detailed financial reporting that provides a clear insight into your business’s financial health and financial position. You can generate balance sheets, P&L statements, and cash flow management reports.
  • Quicken: Quicken reviews note its excellent personal financial reporting, budgeting, and tax planning reports. However, its business reporting is limited, focusing more on basic income/expense tracking rather than on in-depth financial position analysis for larger operations.
xero Automatic invoicing

4. Invoicing and Accounts Receivable

  • Xero: Xero makes online invoicing easy. You can send unlimited invoices, accept payments, and track the money you are owed (accounts receivable), which is vital for any growing business to maintain cash flow management.
  • Quicken: Quicken business features include basic invoicing, but it is not as seamless or feature-rich as Xero. The focus is less on robust online invoicing and more on keeping personal financial details and records organized.

5. 5. Gestión de existencias

  • Xero: Xero offers built-in inventory management features that allow you to manage inventory items, track quantities, and create purchase orders. This is a key feature for expanding businesses selling physical products.
  • Quicken: Quicken software does not offer dedicated inventory management. It can track the value of assets but lacks the ability to track stock quantities, reorder points, or integrate inventory data with sales.

6. Scalability and ERP Potential

  • Xero: Xero, while mainly cloud-based contabilidad, can integrate with various third-party apps to act as a pseudo-enterprise resource planning (ERP) system. This is great for expanding businesses that need more than just accounting.
  • Quicken: Quicken is a standalone tool and does not offer complete enterprise resource planning capabilities. It is not designed to scale with established businesses that need a centralized system for their entire operations.
Quicken Investment Tracking

7. Collaboration and Accessibility

  • Xero: Being a cloud-based accounting software, Xero allows multiple users (like your accountant) to access real-time data from anywhere using web browsers or iOS and Android devices. This flexibility supports modern professional services.
  • Quicken: Quicken software is traditionally desktop-based, although it now offers a subscription (subscription) and cloud sync. Its collaboration features are limited, as the focus is on a single user’s control over their personal financial records.

8. Handling Multiple Currencies

  • Xero: The higher-tier Xero pricing plan supports multiple currencies, a crucial feature for expanding businesses that deal with international sales or suppliers. This simplifies global trade.
  • Quicken: Quicken Deluxe and Quicken Premier do not natively handle multiple currencies for business transactions, reinforcing its focus on domestic personal financial planning.

9. User Support and Resources

  • Xero: Users access customer support and a wealth of online resources through Xero Central. You can easily test Xero with a trial and find many community guides for all its key features.
  • Quicken: The Quicken brand offers customer support through various channels, and their website has guides. However, specific support for Quicken business features can be less extensive compared to the resources dedicated to Xero accounting software.

¿Qué hay que tener en cuenta al elegir un programa de contabilidad?

Here is a checklist of key insights and features:

  • Platform: Decide if you need Windows or Impermeable desktop software (like a base QuickBooks version) or cloud-based accounting software (like Xero accounting software).
  • Cost and Plan: Check the Xero cost or cost of any early plan versus the full price for an established plan. Don’t pay for features you will not use.
  • Interfaz de usuario: Look for a user-friendly interface; the Xero dashboard is often praised for its clean design.
  • Daily Tasks: Hacer sure the software handles basic needs like bank transactions, bank reconciliations, and the ability to schedule payments.
  • Financial Insight: The software must provide strong financial reporting with customizable reporting to get a clear financial picture of your business performance.
  • Necesidades empresariales: Do you need to manage inventory? Do you manage rental properties? These require specific advanced features.
  • Data Protection: The software should protect your financial records and client data for the future. The backing of firms like Aquiline Capital Partners suggests an established plan and focus.
  • Escalabilidad: Consider if you are a freelancer (pequeña empresa owner) or if you need the ability to handle multiple locations and manage sales tax as you grow.
  • Apoyo: Look for a provider with whom you can easily log a support request, offering customer support through various channels. You may need a product like QuickBooks or another of the alternatives if support is a primary concern.
  • Personal vs. Business: Decide if you need software that separates business and personal finances, handles investment accounts, or is pure Xero accounting software ERP.
  • Recommendation: Most reviews will recommend Xero for small business; you should test xero or a competing product to be sure.

Veredicto final

After this deep dive, we recommend Xero as the overall best accounting software for most businesses manage their finances.

Why? Because Xero excels as pure Xero accounting software, reviews confirm.

It gives you excellent online access to your crucial financial data.

Helping you save time on daily tasks like managing up to five bills and using project tracking.

While the many QuickBooks products like QuickBooks Online or QuickBooks Desktop are strong alternatives.

Xero offers a more modern, cloud-first solution designed for the future of business.

We’ve thoroughly tested both to give you the most accurate advice for your company.

Más sobre Xero

Choosing the right accounting software means looking at a number of options.

Here’s a quick look at Xero vs other popular products.

  • Xero vs QuickBooks: QuickBooks is a major competitor. While both offer similar core features, Xero is often praised for its clean interface and unlimited users. QuickBooks can be more complex, but it offers very powerful reporting.
  • Xero vs FreshBooks: FreshBooks is a popular option, especially for freelancers and service-based businesses. It excels at invoicing and time tracking. Xero provides a more well-rounded accounting solution.
  • Xero vs Sage: Both Sage and Xero offer solutions for small businesses. However, Sage also provides more comprehensive enterprise resource planning (ERP) tools for larger companies.
  • Xero vs Zoho Books: Zoho Books is part of a large suite of business apps. It often has more advanced features for inventory and is very cost-effective. Xero, meanwhile, is a leading option for simplicity and ease of use.
  • Xero vs Wave: Wave is known for its free plan. It’s a great option for very small businesses or freelancers on a tight budget. Xero offers a wider range of features and is better for business growth.
  • Xero vs Quicken: Quicken is mainly for personal finance. While it has some business features, it’s not a true business accounting solution. Xero is built specifically to handle the complexities of business accounting.
  • Xero vs Hubdoc: These are not direct competitors. Both Dext and Hubdoc are tools that automate document capture and data entry. They integrate directly with Xero to make bookkeeping faster and more accurate.
  • Xero vs Synder: Synder is a platform that connects sales channels and payment gateways to accounting software. It helps automate data entry from platforms like Shopify and Stripe directly into Xero.
  • Xero vs Expensify: Expensify focuses specifically on expense management. While Xero has expense features, Expensify offers more advanced tools for managing employee expenses and reimbursements.
  • Xero vs Netsuite: Netsuite is a comprehensive ERP system for large corporations. It offers a full suite of business management tools. Xero is not an ERP but is an excellent accounting solution for small businesses.
  • Xero vs Puzzle IO: Puzzle IO is a finance platform designed for startups, focusing on real-time financial statements and automated data entry.
  • Xero vs Easy Month End: This software is a specialized tool for automating the month-end closing process, helping with reconciliation and audit trails. It is designed to work with Xero, not replace it.
  • Xero vs Docyt: Docyt uses AI to automate back-office and bookkeeping tasks. It provides a way to view all your financial documents and data in one place.
  • Xero vs RefreshMe: RefreshMe is a simpler accounting software with basic features, often used for personal finance or very small businesses.
  • Xero vs AutoEntry: Similar to Dext and Hubdoc, AutoEntry is a tool that automates data extraction from receipts and invoices, designed to integrate with and enhance accounting software like Xero.

More of Quicken

  • Quicken vs PuzzleEste software se centra en la planificación financiera basada en IA para startups. Su contraparte es para finanzas personales.
  • Quicken vs DextEsta es una herramienta empresarial para registrar recibos y facturas. La otra herramienta registra los gastos personales.
  • Quicken vs Xero: This is popular online software de contabilidad for small businesses. Its competitor is for personal use.
  • Quicken vs SynderEsta herramienta sincroniza datos de comercio electrónico con software de contabilidad. Su alternativa se centra en las finanzas personales.
  • Quicken vs Easy Month EndEsta es una herramienta empresarial para agilizar las tareas de fin de mes. Su competidor es la gestión de finanzas personales.
  • Quicken vs DocytEste utiliza IA para la contabilidad y automatización empresarial. El otro utiliza IA como asistente de finanzas personales.
  • Quicken vs SageEsta es una suite completa de contabilidad empresarial. Su competidor es una herramienta más fácil de usar para finanzas personales.
  • Quicken vs Zoho BooksEsta es una herramienta de contabilidad en línea para pequeñas empresas. Su competidor es para uso personal.
  • Quicken vs WaveEste software de contabilidad gratuito está diseñado para pequeñas empresas. Su contraparte está diseñada para particulares.
  • Quicken vs HubdocEsta herramienta se especializa en la captura de documentos para contabilidad. Su competidor es una herramienta de finanzas personales.
  • Quicken vs ExpensifyEsta es una herramienta para la gestión de gastos empresariales. La otra es para el seguimiento y presupuesto de gastos personales.
  • Quicken vs QuickBooksEste es un conocido software de contabilidad para empresas. Su alternativa está diseñada para finanzas personales.
  • Quicken vs AutoEntryEstá diseñado para automatizar la entrada de datos para la contabilidad empresarial. Su alternativa es una herramienta de finanzas personales.
  • Quicken vs FreshBooks: This is accounting software for freelancers and small businesses. Its alternative is for personal finance.
  • Quicken vs NetSuite: This is a powerful business management suite for large companies. Its competitor is a simple personal finance app.

Preguntas frecuentes

Is Xero better than Quicken for small business accounting?

Compared to Quicken, Xero generally offers more robust accounting features tailored for businesses, including better invoicing and accounts payable management.

Can I see screenshots of Xero and Quicken’s interfaces?

Yes, many reviews and the software websites themselves provide screenshots to help you compare their user interfaces and features.

What are the key differences between Xero and Quicken?

Key differences include Xero’s focus on cloud-based business accounting versus Quicken’s traditional strength in personal finance with some business features.

Which software, Xero or Quicken, offers better mobile access?

Xero typically provides a more comprehensive and business-focused mobile app compared to Quicken’s mobile offerings.

Is it easy to switch from Quicken to Xero if my business grows?

Yes, while it requires some data migration, many businesses successfully switch from Quicken to Xero as their accounting needs become more complex.

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