Software · head to head
Microsoft To Do vs Xero
The short version
- Only Microsoft To Do has a free tier, so it costs nothing to try first.
- They diverge on capability: Microsoft To Do covers My Day suggestions, Xero covers Bank reconciliation.
Where they differ
Only the attributes on which Microsoft To Do and Xero actually diverge.
| Attribute | Microsoft To Do | Xero |
|---|---|---|
| Starting price | Free | $13/month |
| Pricing model | free | subscription |
| Free tier | Yes | No |
| Platforms | Web, Ios, Android, Windows, Macos | Web, Ios, Android, Api |
| Founded | 1975 | 2006 |
Identical on both: user rating (Not yet rated), category (Unknown).
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 Microsoft To Do
- My Day suggestions
- List sharing
- Steps
- Due dates
- Reminders
- Outlook
- Microsoft 365
- Microsoft Teams
Only in Xero
- Bank reconciliation
- Invoicing
- Bill payment
- Expense claims
- Financial reporting
- Inventory tracking
- Project tracking
- Mobile apps
What people use each for
The jobs each tool is most often brought in to do.
Microsoft To Do
- Schedulingnot Xero
- Appointment bookingnot Xero
- Time trackingnot Xero
- Resource managementnot Xero
- Team coordinationnot Xero
Xero
- Small business bookkeeping, invoicing and bank reconciliationnot Microsoft To Do
- Bill payment and purchase order managementnot Microsoft To Do
- Sharing books with an accountant or bookkeepernot Microsoft To Do
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Microsoft To Do
Nothing recorded yet. See the Microsoft To Do review.
Xero
- The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
- Invoices created by connected app partners count against the Early plan invoice limit
- Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
- Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
- Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
- Inventory Plus is a paid optional add-on rather than part of any plan
- The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
- The introductory discount excludes add-ons, usage charges and payment fees
- Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
- Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
- Xero states subscription prices are increasing from October 1, 2026
Pricing, plan by plan
Microsoft To Do
Free- FreeFree
- Unlimited tasks
- My Day
- List sharing
Xero
$13/month- Early$13/month
- Send 20 invoices
- Enter 5 bills
- Reconcile bank transactions
- Growing$37/month
- Unlimited invoices & bills
- Bulk reconcile transactions
- Short-term cash flow
- Established$70/month
- Everything in Growing
- Use multiple currencies
- Track projects
Which should you pick?
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.
Choose Xero if
- You need bank reconciliation.
- You work on Web, Ios, Android, Api.
- You also want invoicing.
Questions people ask
- Is Microsoft To Do or Xero better?
- Neither clearly leads. Microsoft To Do starts at Free and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Microsoft To Do or Xero?
- Microsoft To Do has a free tier; the other does not. Paid plans start at Free for Microsoft To Do and $13/month for Xero.
- Does Microsoft To Do or Xero run on more platforms?
- Microsoft To Do runs on Web, Ios, Android, Windows, Macos. Xero runs on Web, Ios, Android, Api.
- Can I use Microsoft To Do for free?
- Yes. Microsoft To Do has a free tier, so you can try it without paying. Xero starts at $13/month.
- What is Microsoft To Do best used for?
- Microsoft To Do is most often used for scheduling, appointment booking, time tracking, resource management. Of those, scheduling and appointment booking are not what Xero is typically brought in for.
- What can Microsoft To Do do that Xero cannot?
- Microsoft To Do covers My Day suggestions, List sharing, Steps, Due dates. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
Related pages
More on Microsoft To Do
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- Xero vs Google Calendar
- Xero vs Apple Calendar
- Xero vs Fantastical
- Xero vs Clockify
- Xero vs OmniFocus
- Xero vs Amie
- Xero vs Outlook Calendar
- Xero vs Float
- Xero vs Google Tasks
- Xero vs YouCanBook.me
- Xero vs Cron Calendar
- Xero vs Harvest Forecast
- Xero vs Resource Guru
- Xero vs SavvyCal
- Xero vs Skedda
- Xero vs Timepage
- Xero vs Woven
- Xero vs Assistant.to
- Xero vs QuickBooks
- Xero vs Ramp
- Xero vs Airbase
- Xero vs Melio
- Xero vs Wise Business
- Xero vs ADP
- Xero vs Brex
- Xero vs Expensify
- Xero vs Fyle
- Xero vs Payoneer
- Xero vs Pleo
- Xero vs Sage 50
- Xero vs SAP Concur
- Xero vs Spendesk
- Xero vs Stampli
- Xero vs Tipalti
- Xero vs Zoho Books
- Xero vs Adyen