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Proposals · head to head

Moxie vs Xero

Moxie logo

Moxie

Proposals

Freelance business management with proposals, contracts, time tracking and invoicing in one subscription

From
On request
Rated
-
Full reviewWebsite
Xero logo

Xero

Accounting

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Moxie each module is weaker than the specialist product it replaces, so a freelancer with a demanding requirement in any one area will find the bundled version limiting.; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • They diverge on capability: Moxie covers Proposals with e signature, Xero covers Bank reconciliation.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moxie and Xero actually diverge.

Attributes where Moxie and Xero differ
AttributeMoxieXero
Starting priceOn request$13/month
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb, Ios, Android, Api
CategoryProposalsAccounting
FoundedUnknown2006

Identical on both: free tier (No), 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 Moxie

  • Proposals with e signature
  • Contracts
  • Time tracking
  • Invoicing and payments
  • Client portal
  • Project and task management
  • Scheduling link

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.

Moxie

  • A solo consultant replacing four separate subscriptions for proposals, contracts, time and invoicingnot Xero
  • A freelancer who needs a signed contract and a deposit invoice to follow proposal acceptance automaticallynot Xero
  • Retainer work where tracked hours must reconcile against a fixed monthly fee on the same invoicenot Xero
  • A designer who wants one client portal for files, approvals and payment rather than email threadsnot Xero

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot Moxie
  • Bill payment and purchase order managementnot Moxie
  • Sharing books with an accountant or bookkeepernot Moxie

Where each one falls short

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

Moxie

  • Each module is weaker than the specialist product it replaces, so a freelancer with a demanding requirement in any one area will find the bundled version limiting.
  • The shared data model that makes the bundle convenient also makes leaving expensive, because proposals, time entries and invoices come out as one tangled export rather than as separable tools.
  • It is designed around a solo operator, so adding subcontractors, splitting revenue or managing a small team runs into limits quickly.
  • Client payments are processed through a third party gateway, so the card processing fee applies on top of the subscription and should be modelled into the true cost per invoice.
  • A large amount of published review material still refers to the product as Hectic, which makes independent research harder and dates much of what is written about it.

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

Moxie

On request
  • Moxie$undefined/year
    • Proposals, contracts and electronic signature
    • Time tracking and invoicing
    • Client portal

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 Moxie if

  • You need proposals with e signature.
  • You work on Web, iOS, Android.
  • You also want contracts.
Moxie review

Choose Xero if

  • You need bank reconciliation.
  • You work on Web, Ios, Android, Api.
  • You also want invoicing.
Xero review

Questions people ask

Is Moxie or Xero better?
Neither clearly leads. Moxie starts at On request and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moxie or Xero?
Moxie starts at On request and Xero at $13/month.
Does Moxie or Xero run on more platforms?
Moxie runs on Web, iOS, Android. Xero runs on Web, Ios, Android, Api.
What is Moxie best used for?
Moxie is most often used for a solo consultant replacing four separate subscriptions for proposals, contracts, time and invoicing, a freelancer who needs a signed contract and a deposit invoice to follow proposal acceptance automatically, retainer work where tracked hours must reconcile against a fixed monthly fee on the same invoice, a designer who wants one client portal for files, approvals and payment rather than email threads. Of those, a solo consultant replacing four separate subscriptions for proposals, contracts, time and invoicing and a freelancer who needs a signed contract and a deposit invoice to follow proposal acceptance automatically are not what Xero is typically brought in for.
What can Moxie do that Xero cannot?
Moxie covers Proposals with e signature, Contracts, Time tracking, Invoicing and payments. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.

Answered from the vendors’ own pages

Moxie: Is Moxie the same product as Hectic?

Yes. It was renamed in 2022. Older reviews under the Hectic name describe the same software at an earlier stage.

Moxie: Does it take a percentage of my invoices?

The payment processor takes its standard card fee. Model that separately from the subscription when comparing total cost.

Moxie: Can I use it with a team?

It is built for a solo operator. Subcontractors and multi person billing are handled awkwardly.

Moxie: Can I keep my accountant in the loop?

Yes, through the accounting integration, though most freelancers still reconcile manually at year end.

Moxie: What is the exit path?

Exports exist, but the linked proposal, time and invoice data does not map cleanly onto separate replacement tools.

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