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Quo vs Xero

Quo logo

Quo

Software

Formerly OpenPhone

From
Free
Rated
-
Full reviewWebsite
Xero logo

Xero

Software

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Only Quo has a free tier, so it costs nothing to try first.
  • Each has a real cost: Quo unlimited calling to US and Canadian numbers is subject to a Fair Usage Policy rather than being truly unlimited; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending

Where they differ

Only the attributes on which Quo and Xero actually diverge.

Attributes where Quo and Xero differ
AttributeQuoXero
Starting priceFree$13/month
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWebWeb, Ios, Android, Api
FoundedUnknown2006

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 Quo

Nothing recorded that Xero does not also cover.

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.

Quo

No use cases recorded yet. See the Quo review.

Xero

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

Where each one falls short

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

Quo

  • Unlimited calling to US and Canadian numbers is subject to a Fair Usage Policy rather than being truly unlimited
  • Starter tier's $15/user annual rate requires prepaying annually; monthly billing costs $19/user, about 27% more
  • The Sona AI agent automation credits are capped at 1,000 free per plan before additional usage is billed

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

Quo

Free

No published plan breakdown. See the Quo review.

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 Quo if

  • You want to start without paying.
Quo 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 Quo or Xero better?
Neither clearly leads. Quo 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, Quo or Xero?
Quo has a free tier; the other does not. Paid plans start at Free for Quo and $13/month for Xero.
Does Quo or Xero run on more platforms?
Quo runs on Web. Xero runs on Web, Ios, Android, Api.
Can I use Quo for free?
Yes. Quo has a free tier, so you can try it without paying. Xero starts at $13/month.
What can Quo do that Xero cannot?
Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
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