⚡ 간단 평가:
- 가격: Xero starts at $5.80/mo vs Sage’s free plan (paid from $7/mo)
- 다음과 같은 경우에 가장 적합합니다: Xero for cloud based 회계 with unlimited users, Sage for desktop software with built-in payroll
- 주요 차이점: Xero is fully cloud based 회계 소프트웨어; Sage offers a desktop solution with cloud connectivity
- 저희가 선택한 제품: Xero for most small 사업 owners — it scores 4.5/5 with stronger integrations and a user friendly interface
Xero and Sage both promise to help 소규모 사업체 manage their finances effectively.
But they take very different approaches to accounting software.
Xero is a cloud based accounting software built for online invoicing and bank reconciliations.
Sage offers a desktop solution with cloud connectivity and built-in payroll software.
The right choice depends on how your 사업 handles financial tasks every day.
개요
This Xero vs Sage comparison covers pricing plans, key features, and ease of use.
We also break down who each accounting platform works best for.
저희 자료 출처에는 공개된 사양서, 문서 및 사용자 리뷰가 포함됩니다.
Our writers also spent hands-on time with each tool.
그러한 관찰 내용은 아래 '우리 팀이 발견한 사항' 섹션에 나와 있습니다.
Xero란 무엇인가요?
Xero is a cloud based accounting software designed for small businesses and growing businesses.
It handles online invoicing, expense tracking, and bank reconciliations in one place.
Xero lets you connect bank accounts and pull automatic bank feeds for real time 데이터.
The Xero dashboard shows your cash flow, invoices owed, and financial position at a glance.
제로
Xero excels at cloud based accounting for 소규모 사업 owners. It connects to 1,000+ apps and supports unlimited users on every plan.
Xero 가격 책정
Here’s what Xero cost looks like in 2026.
| 계획 | 가격 | 가장 적합한 대상 |
|---|---|---|
| 기동기 | $5.80 USD per month | Freelancers and independent contractors |
| 기준 | $10 USD per month | Small businesses with unlimited invoices |
| Premeum | $15 USD per month | Established businesses needing multiple currencies |
Pricing verified July 2026.
💡 메모: Xero’s website may show different plan names (일찍 plan, Growing, Established plan) and higher prices depending on your region. The Xero pricing above reflects CSV-verified rates. Always check Xero’s official pricing page for your country before signing up.
무료 체험: Yes — Xero offers a 30-day free trial. No credit card needed to test Xero.
환불 보장: No refunds. Cancel anytime before the next billing cycle.
📌 메모: All Xero pricing plans include unlimited users. This is a major advantage for growing businesses that add team members without higher prices.
Xero의 주요 이점
Here’s what makes Xero accounting software worth considering:
- 무제한 사용자: Every Xero account includes unlimited users at no extra cost. Most competitors charge per user, which adds up fast.
- 자동 은행 계좌 연동: Xero connects to your bank accounts and imports bank transactions automatically. This cuts manual data entry and saves time.
- 1,000개 이상의 연동 기능: Xero connects with tools like Gusto for payroll, 허브독 for expense tracking, and hundreds of other add ons.
- 다중 통화 지원: Xero handles multiple currencies across 160+ zones. This helps businesses manage international sales invoices.
- 모바일 앱: The Xero mobile app works on iOS and Android 기기. You can send invoices and check cash flow on the go.
- 실시간 금융 데이터: Xero의 보고 features show your financial position and business performance in real time data dashboards.
우리 팀이 발견한 점
우리의 작가 signed up for a Xero account and spent several days exploring the accounting platform. Here’s what stood out from that hands-on time:
Xero의 장점과 단점
✅ 장점
- Unlimited users on all pricing plans at no extra cost
- Connects to 1,000+ third-party apps and services
- User friendly interface that avoids complex accounting jargon
- Strong mobile app for managing financial tasks on the go
❌ 단점
- No built-in payroll — requires Gusto add on starting at $40/mo
- Customer support is email-only with no direct phone support
- Starter plan limits you to up to five bills per month
Sage란 무엇인가요?
Sage is a UK-based company that provides accounting software for small and medium sized businesses.
Sage Business Cloud Accounting handles expense management, inventory management, and financial reporting.
Sage offers both a desktop solution (Sage 50) and a cloud version (Sage Business Cloud).
The software includes built-in sage payroll, job costing, and real time reporting for accounting teams.
세이지
Sage offers desktop software with cloud connectivity. It handles payroll, inventory, and job costing for businesses that need on-premise control.
세이지 가격 책정
다음은 2026년 Sage의 비용입니다.
| 계획 | 가격 | 가장 적합한 대상 |
|---|---|---|
| 개인 회계 (무료) | 무료 | Solo freelancers and independent contractors |
| Accounting Individual (Paid) | 월 7달러 | One user needing pro accounting features |
| 회계 시작 | 월 18달러 | Small business owners with bill tracking needs |
Pricing verified July 2026.
무료 체험: Sage offers a free plan for one user. Higher tiers may include trial periods.
환불 보장: Contact Sage support for further assistance on refund policies.
📌 메모: Sage’s paid plans are limited to one user on the Individual tier. The Accounting Start plan adds more features but still has fewer users than Xero’s unlimited model.
⚠️ 경고: Sage 50 (the desktop version) has separate, higher prices than Sage Business Cloud. Make sure you’re comparing the right Sage product. The Sage marketplace also lists add ons that increase total cost.
Sage의 주요 이점
Here’s what makes Sage accounting software worth considering:
- Built-in Payroll: Sage includes sage payroll tools without needing a separate add on. This covers sales tax, W-9/1099 filings, and payroll software in one place.
- Desktop + Cloud: Sage 50 offers a desktop solution with cloud connectivity. You can access data via an internet connection from anywhere.
- 재고 추적: Sage can sync inventory automatically, issue low stock alerts, and create product variations. This is stronger than Xero’s basic inventory data tools.
- 작업 원가 계산: Track cost codes, job statuses, and project expenses. This helps professional services companies see which jobs earn the most revenue.
- 세이지 코파일럿: 내장형 AI 비서 helps answer questions and resolve unreconciled differences in your books.
- 무료 플랜: Sage offers a free Accounting Individual plan for one user. This helps small business owners test the software before paying.
우리 팀이 발견한 점
Our writer signed up for Sage Business Cloud and explored the accounting platform over several days. Here’s what stood out:
Sage의 장점과 단점
✅ 장점
- Built-in payroll software saves on add on costs
- Free plan available for one user with basic features
- Strong inventory management with low stock alerts and product variations
- Desktop solution available for businesses with limited remote access needs
❌ 단점
- Mobile access limitations — the dedicated mobile app is less capable than Xero’s
- Paid plans limited to one user on the Individual tier
- Potential drawbacks include fewer third-party integrations than Xero
기능 비교
Let’s compare Xero vs Sage across 9 key features. This covers financial reporting, invoicing, bank reconciliations, inventory, and more.
| 특징 | 제로 | 세이지 |
|---|---|---|
| 시작 가격 | 월 5.80달러 | 무료 |
| 무료 플랜 | ❌ | ✅ |
| 무제한 사용자 | ✅ | ❌ |
| Built-in Payroll | ❌ | ✅ |
| 재고 관리 | 기초적인 | 고급의 |
| 은행 계정 조정 | ✅ | ✅ |
| 다중 통화 | ✅ (160+) | ✅ (한정 수량) |
| 모바일 앱 | ✅ 전체 | ⚠️ 제한됨 |
| 통합 | 1,000+ | Sage Marketplace |
| 가장 적합한 대상 | Cloud-first teams | Desktop-first businesses |
1. 재무 보고
제로: Xero’s reporting features include customizable reporting dashboards that show your financial position in real time. The Xero dashboard gives you a snapshot of cash flow management, accounts receivable, and accounts payable. You can generate reports on business performance and track financial records across multiple locations.
세이지: Sage provides real time reporting through its desktop software and cloud platform. You can generate reports on financial data like balance sheets and profit/loss statements. Sage 50 includes an extensive library of financial and inventory reports you can pull in seconds.
2. Online Invoicing
제로: Xero makes online invoicing simple with customizable templates. You can send unlimited invoices on the Standard plan and above, set up recurring billing, and send payment reminders automatically. Xero also tracks invoices owed and lets you schedule payments in advance.
세이지: Sage handles sales invoices through its accounting platform. The invoicing tools cover basic billing, but you won’t find the same depth of 오토메이션 as Xero. Sage works better for businesses that manage invoices alongside job costing and project tracking.
3. 은행 계정 조정
제로: Xero pulls in bank transactions through automatic bank feeds. The system matches transactions with your financial records and highlights unreconciled differences. This automates a manual task that normally takes hours of manual data entry.
세이지: Sage also handles bank reconciliations, but the process varies between desktop and cloud versions. The desktop software downloads bank transactions for matching. Online backups keep your existing accounting data safe during reconciliation.
4. 재고 관리
제로: Xero lets you manage inventory at a basic level. You can track inventory data, manage purchase orders, and monitor stock. However, Xero’s inventory tools are limited compared to dedicated inventory management systems.
세이지: Sage offers much stronger inventory management. The software can sync inventory automatically, issue low stock alerts, and create product variations. You can also track unique records for each product and manage inventory across multiple locations.
5. Multi-Currency Support
제로: Xero handles multiple currencies across 160+ zones with automatic exchange rate updates. This is available on the Premeum plan. Businesses that deal with international clients can send invoices and capture bills in foreign currencies easily.
세이지: Sage also supports multi-currency accounting, but with fewer supported currencies. The feature is available in Sage Business Cloud and Sage 50 higher tiers. It handles the basics for companies with international sales.
6. Expense & Bill Tracking
제로: Xero offers expense tracking through Hubdoc integration. You can capture bills by photographing receipts and the system extracts financial details automatically. The payable functionality lets you schedule payments and track what’s owed.
세이지: Sage includes expense management and bill tracking as built-in features. The workflow management tools let you track expenses from receipt to payment. Sage also handles sales tax calculations on expenses automatically.
7. Project Tracking
제로: Xero includes project tracking on the Premeum plan. You can monitor time spent, track expenses per project, and bill clients based on tracked hours. This works well for professional services companies and independent contractors.
세이지: Sage’s project management goes deeper with job costing, cost codes, and job statuses. You can track which projects generate the most revenue and assign expenses to specific jobs. This is a strong feature for construction and professional services companies.
8. Advanced Accounting
제로: Xero provides advanced features like multi-currency, fixed asset tracking, and customizable reporting. The accounting platform supports complete enterprise resource planning when paired with third-party tools. This helps expanding businesses manage complex financial management needs.
세이지: Sage 50 offers pro accounting features with balance sheet reports, budgeting, and detailed contact fields for customers. The desktop software handles more complex accounting tasks than most cloud-only tools. It’s built for accounting teams who need hands-on control of financial records.
9. 가격 및 비용
| 계획 | 제로 | 세이지 |
|---|---|---|
| 무료 | ❌ (30일 무료 체험만 가능) | ✅ Free for one user |
| 입문 단계 | 월 5.80달러 | 월 7달러 |
| 중급 | 월 10달러 | 월 18달러 |
| 최상위 | 월 15달러 | 영업 담당자에게 문의하세요. |
제로: Xero pricing is lower per month at every paid tier. The Standard plan at $10/month gives you unlimited invoices, which is a strong deal. Every plan includes unlimited users, so your Xero cost stays flat as your team grows.
세이지: Sage offers a free plan, which Xero does not. But the paid plans start at $7/month for one user with fewer features. Sage’s higher prices on the Accounting Start plan ($18/month) still don’t include unlimited users like Xero does.
다양한 시나리오
| 필요하시면 | 선택하다 | 왜 |
|---|---|---|
| 예산이 빠듯하지만 무료 옵션을 선택할 수 있습니다. | 세이지 | Free plan for one user |
| Cloud based accounting for teams | 제로 | 모든 요금제에서 사용자 수 제한 없음 |
| Built-in payroll | 세이지 | Sage payroll included |
| 재고 관리 | 세이지 | Advanced stock and low stock alerts |
| 앱 연동 | 제로 | 1,000+ third-party tools |
| 초보자에게 적합 | 제로 | Simpler interface, no jargon |
💰 예산
Sage offers a free plan for one user, so it wins on initial cost. But if your team has multiple people, Xero’s unlimited user model often works out cheaper than paying per-seat elsewhere.
🔌 사용 중인 기술 스택
If you use Xero, you get 1,000+ integrations including Gusto, Hubdoc, and Stripe. Sage connects through the Sage marketplace, but the selection is smaller compared to Xero’s app library.
📝 Your Workflow Management
Xero is built for cloud-first workflows where multiple team members collaborate remotely. Sage is better for businesses that prefer a desktop solution and handle manual tasks on-site.
🎓 귀하의 경험 수준
Xero avoids accounting jargon, making it easier for beginners. Sage has more advanced features but a steeper learning curve. Sage University and online resources can help, but expect a longer setup.
🆓 무료 체험 및 데모
Use Xero’s 30-day free trial to test Xero before committing. Sage’s free plan lets you use the software indefinitely but with limited features. Try both to see which fits your financial tasks.
🛟 지원 옵션
Xero’s customer support is email-based only. Sage provides chat support, a community hub, and Xero Central-style help articles through its own support portal for further assistance.
전환 가이드
이미 이러한 도구 중 하나를 사용하고 계신가요? 전환 시 예상되는 사항은 다음과 같습니다.
🔄 Switching from Xero to Sage?
✅ 얻게 될 이점:
- Built-in payroll software without extra add ons
- Deeper inventory management with low stock alerts
- Job costing and cost codes for project-based billing
❌ 잃게 될 것:
- 모든 요금제에서 사용자 수 제한 없음
- 1,000+ app integrations
- Stronger mobile app on iOS and 기계적 인조 인간 기기
📋 전환 방법:
- Export your existing accounting data and client data from Xero as CSV files
- Create a Sage Business Cloud account and set up your business profile
- Use Sage’s data migration tools to import your financial records and bank accounts
🔄 Switching from Sage to Xero?
✅ 얻게 될 이점:
- Unlimited users on every plan at no extra cost
- 1,000+ app integrations for every part of your business
- Full-featured mobile app for managing finances on the go
❌ 잃게 될 것:
- Built-in payroll (you’ll need Gusto or similar)
- Advanced inventory management and product variations
- Desktop software option for offline access
📋 전환 방법:
- Export financial records and chart of accounts from Sage as CSV files
- Sign up for a Xero account and connect your bank accounts
- Import your data using Xero’s data migration wizard and set up bank feeds
저희 리뷰에서 다루지 않은 내용
This comparison focused on small business owners and growing businesses. We didn’t test enterprise-level features like complete enterprise resource planning (ERP) capabilities or Sage Intacct’s advanced features. Our observations are based on the July 2026 versions of Xero accounting software and Sage Business Cloud accounting. If you run a large company with complex accounting needs, your priorities may differ from what we’ve covered here.
최종 판결
| 범주 | 우승자 |
|---|---|
| 💰 가격 | 제로 |
| 🚀 Invoicing | 제로 |
| 📊 Financial Reporting | 묶다 |
| 📦 재고 관리 | 세이지 |
| 👶 사용 편의성 | 제로 |
| 🔌 통합 | 제로 |
| 💼 Payroll | 세이지 |
| 🏆 종합 우승 | 제로 |
🏆 WINNER: Xero
Xero wins 4 out of 7 categories.
다음과 같은 경우에 가장 적합합니다: Cloud based accounting, growing businesses with teams, businesses needing 1,000+ integrations
Xero and Sage serve different types of businesses. We recommend Xero for small business owners who want a modern cloud based accounting software with unlimited users and strong app integrations. Xero makes financial management easier with its user friendly interface, automatic bank feeds, and real time data dashboards.
Sage is the better pick if you need built-in payroll software, advanced inventory management, or a desktop solution. Its job costing and project tracking tools are stronger for construction and professional services companies. But for most businesses managing finances effectively in 2026, Xero is the best accounting software pick for business growth and long-term security.
Xero와 비교했을 때 더 많은 정보
Here’s how Xero stacks up against other competitors:
제로 vs 퀵북스
Xero가 다음 항목에서 승리했습니다: Unlimited users on all plans, more third-party integrations, lower starting price
QuickBooks가 다음 항목에서 우위를 점합니다: Built-in payroll, stronger reporting for US tax compliance, larger US market support through QuickBooks Online
제로 vs 프레시북스
Xero가 다음 항목에서 승리했습니다: Unlimited users, bank feeds and reconciliation, multi-currency for established businesses
FreshBooks는 다음 부문에서 승리했습니다: 시간 추적 built-in, simpler onboarding for freelancers, better invoice design templates
제로 vs 파도
Xero가 다음 항목에서 승리했습니다: Multi-currency support, project tracking, deeper financial reporting across multiple locations
웨이브 승리 조건: Completely free accounting, free receipt scanning, no monthly cost for basic 부기
세이지와 비교했을 때 더 많은 정보
Here’s how Sage stacks up against other competitors:
Sage가 승리한 항목: Job costing features, desktop software option, inventory management with stock alerts
QuickBooks가 다음 항목에서 우위를 점합니다: Larger app marketplace, more accounting professionals familiar with it, better mobile experience
세이지 vs 조호 북스
Sage가 승리한 항목: Built-in payroll software, desktop and cloud hybrid, deeper inventory tools
Zoho Books가 다음 부문에서 수상했습니다: Free plan for small businesses under revenue threshold, part of the Zoho suite, lower pricing overall
세이지 vs 넷스위트
Sage가 승리한 항목: Lower cost for small businesses, simpler setup, free plan available
NetSuite의 승리 요인: Full enterprise resource planning suite, deeper customization, multi-subsidiary support for large companies
자주 묻는 질문
What is Xero accounting software used for?
Xero is cloud based accounting software for online invoicing, bank reconciliations, expense tracking, and financial reporting. It helps small businesses manage cash flow and accounts payable.
Is Sage or Xero better for small businesses?
Xero is better for most small businesses because it offers unlimited users, more integrations, and a simpler interface. Sage wins if you need built-in payroll or inventory.
Sage는 클라우드 버전이 있나요?
Yes. Sage Business Cloud Accounting is the cloud version. Sage 50 is the desktop software with cloud connectivity for remote access.
Xero의 월 사용료는 얼마인가요?
Xero pricing starts at $5.80/month for the Starter plan. The Standard plan costs $10/month and the Premeum plan costs $15/month.
What are the cons of using Sage?
Sage has mobile access limitations, fewer integrations than Xero, and paid plans limited to one user on the Individual tier. The desktop software also has limited remote access.
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