What’s the difference?

Xero is a well-known online accounting software provider. There is no question that they have a great product, the question is are they right for you and your business? They cater well to large and complex organisations with their robust platform and integrations. Until now, there havenโ€™t been many alternatives for smaller businesses, or people who donโ€™t need all the bells and whistles – but all that changed with Afirmo.

Afirmo makes starting your business easy. We provide all the essential services you need, so you can get up and running smoothly including choosing your business structure, business basics, and marketing.

Choosing between Afirmo and Xero comes down to four key questions:

  1. What features do you need? ๐Ÿ› ๏ธ
  2. Where are you at in your business journey? ๐Ÿ—บ๏ธ
  3. What type of business do you own? ๐Ÿข
  4. How much accounting AND accountant fees do you want to pay? ๐Ÿ’ธ

What features do you need?

Features Afirmo Xero
Business Set Up tools  โœ… โŒ
Link existing bank account(s) โœ… โœ…
Create bank wallets โœ… โŒ
Unlimited sales quotes and invoices โœ… ๐Ÿ”ต ($71+ NZD monthly plans)
Insurance Cover โœ… โŒ
Accounts preparation โœ… โŒ
Tax agent support โœ… โŒ
Payroll ๐Ÿ”ต (Coming Soon – Free) ๐Ÿ”ต (Available as Add-on)
Reporting โœ… ๐Ÿ”ต (Available as Add-on)
Claim unlimited expenses โœ… ๐Ÿ”ต ($71+ NZD monthly plans)

Consider the critical functions you need from your accounting software, to run your business. Afirmo excels at the following:

๐Ÿš€ Unlimited bookkeeping basics on all plans.

One thing to note is that all Afirmo plans include unlimited sales quotes, invoices, transactions, and reconciliations. Whereas Xero limits access to these features depending on your plan.

๐Ÿš€ Tax returns and accountant support are included in Afirmo pricing

We recognise keeping on top of your tax obligations is one of the biggest struggles of business ownership. This is why Afirmo offers you plans that include full tax agency support, preparing and filing your GST and Income Tax returns. Xero does not offer you this service โ€“ for tax agency support you still need to enlist an accountant in addition to Xero software.

๐Ÿš€ Afirmo doesnโ€™t do add-ons

Xero does offer some functionality (at a price) that we do not. While Xero includes features like payment integrations, inventory management, and project tracking, Afirmo takes a more streamlined approach. We focus on essential financial tools without add-ons that may not be necessary for all businesses. This simplicity makes Afirmo user-friendly and significantly more affordable than Xero. So, for businesses seeking straightforward and budget-friendly solutions, Afirmo stands out as the best choice.

See Price Comparison

Where are you in your business journey?

Afirmo makes starting your business easy. We provide all the essential services you need, so you can get up and running smoothly including choosing your business structure, business basics, and marketing.

Once your business is trading Afirmo makes bookkeeping as straightforward as possible. Our plans are designed to include everything you need, without having to purchase any add-ons. Xero might be better suited to very large, complex organisations, as they offer a large number of add-ons and integrations. This functionality does come with a degree of added complexity that you might not need or be able to use without an accountant to help.

If youโ€™re in the early stages of starting a business Afirmo may be a better option for you as we offer specialised guidance to help you launch and grow your business. Alternatively โ€“ you might own an established business that simply doesnโ€™t need all the bells and whistles that come with Xero. Afirmo was built to be easily used by a range of business owners, regardless of financial literacy.

What type of business do you own?

Side Hustlers

Sole Traders



Afirmo suits all shapes and sizes โ€“ from side hustlers to companies and partnerships. Xero can in theory handle all of these, but if you own an early-stage business or if your business is your second job, then Xeroโ€™s monthly fees could come with a sting.

Accounting and Accountant fees

When comparing Afirmo and Xero annual subscription plan pricing, remember to factor in accountant fees.

A key difference between Afirmo and Xero is that Afirmo pricing includes an accountant, and Xero pricing does not. So when comparing Afirmo and Xero plans, remember to add on the annual cost of an accountant of between $1000-5300 on top of the Xero annual subscription fee.

Afirmoโ€™s Scale Up plans have been designed to suit a range of businesses with different requirements. You can select an Afirmo plan that does not include tax support, or you can select one of our plans whereby Afirmo’s tax experts manage your tax for you.

See Prices

Afirmo vs Xero pricing comparison

Afirmo Xero
Accounting Software $25 – $90 per month $33 – $105 per month
Accountant Fees Included Free $167 – $333 per month
Total monthly cost $25 – $90 per month $200 – $438 per month
Monthly savings $175 – $348 per month
Annual savings $2100 – $4176 per year

What are the different plan options?

See how Afirmo compares:

Afirmo vs Hnry

Afirmo allows full financial control for all business types, whereas Hnry acts as a payments provider catering to sole traders. Hnry takes a percentage cut of your earnings while Afirmo tell you what to save while the money sits in your own accounts.


Afirmo vs Traditional Accountant

There is no denying that an accountant can help you to minimise your tax bills (legally). But with more tax advice comes larger accounting bills, which arenโ€™t justifiable for smaller businesses. Afirmo gives you the best of both worlds โ€“ affordable accounting software, and accountants to check your tax returns