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Accounting & Finance · head to head

Melio vs Microsoft To Do

Melio logo

Melio

Accounting & Finance

Simple business payments

From
Free
Rated
-
M

Microsoft To Do

Calendar & Time Management

Your personal task management app

From
Free
Rated
-

The short version

  • They diverge on capability: Melio covers Vendor payments, Microsoft To Do covers My Day suggestions.

Where they differ

Only the attributes on which Melio and Microsoft To Do actually diverge.

Attributes where Melio and Microsoft To Do differ
AttributeMelioMicrosoft To Do
Pricing modelfreemiumfree
PlatformsWeb, Mobile appWeb, Ios, Android, Windows, Macos
CategoryAccounting & FinanceCalendar & Time Management
Founded20181975

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Melio

  • Vendor payments
  • Card to check
  • Payment scheduling
  • Approval workflows
  • QuickBooks sync
  • QuickBooks
  • Xero
  • FreshBooks

Only in Microsoft To Do

  • My Day suggestions
  • List sharing
  • Steps
  • Due dates
  • Reminders
  • Outlook
  • Microsoft 365
  • Microsoft Teams

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Melio

  • Accounts payable automationnot Microsoft To Do
  • Bill management and payment schedulingnot Microsoft To Do
  • Multi-vendor payment processingnot Microsoft To Do
  • Invoice receivables and payment collectionnot Microsoft To Do

Microsoft To Do

  • Schedulingnot Melio
  • Appointment bookingnot Melio
  • Time trackingnot Melio
  • Resource managementnot Melio
  • Team coordinationnot Melio

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Melio

  • Go (free) plan limited to one user only
  • ACH charges £0.50 per transaction beyond monthly allowance (5-50 free depending on plan)
  • Card payment fees range from 2.9% to 2.9% plus £75 maximum
  • International payments limited to select currencies only
  • NetSuite integration only available in Unlimited plan (£80/month minimum)

Microsoft To Do

Nothing recorded yet. See the Microsoft To Do review.

Pricing, plan by plan

Melio

Free

No published plan breakdown. See the Melio review.

Microsoft To Do

Free
  • FreeFree
    • Unlimited tasks
    • My Day
    • List sharing

Which should you pick?

Choose Melio if

  • You need vendor payments.
  • You want to start without paying.
  • You work on Web, Mobile app.
  • You also want card to check.

Choose Microsoft To Do if

  • You need my day suggestions.
  • You want to start without paying.
  • You work on Web, Ios, Android, Windows, Macos.
  • You also want list sharing.

Questions people ask

Is Melio or Microsoft To Do better?
Neither clearly leads. Melio starts at Free and Microsoft To Do at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Microsoft To Do?
Melio starts at Free and Microsoft To Do at Free.
Does Melio or Microsoft To Do run on more platforms?
Melio runs on Web, Mobile app. Microsoft To Do runs on Web, Ios, Android, Windows, Macos.
Can I use Melio for free?
Both have a free tier, so you can try either at no cost before committing.
What is Melio best used for?
Melio is most often used for accounts payable automation, bill management and payment scheduling, multi-vendor payment processing, invoice receivables and payment collection. Of those, accounts payable automation and bill management and payment scheduling are not what Microsoft To Do is typically brought in for.
What can Melio do that Microsoft To Do cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Microsoft To Do covers My Day suggestions, List sharing, Steps, Due dates. Both handle Web support, Ios support, Android support.

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