Software · head to head
Streak vs Xero
The short version
- Only Streak has a free tier, so it costs nothing to try first.
- Each has a real cost: Streak the free tier is email tools only, with pipelines, contact records and automation all requiring the Pro plan; 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: Streak covers Pipeline management, Xero covers Bank reconciliation.
Where they differ
Only the attributes on which Streak and Xero actually diverge.
Identical on both: pricing model (subscription), 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 Streak
- Pipeline management
- Email tracking
- Automation
- Document tracking
- Live engagement metrics
- Gmail
- Outlook
- Google Sheets
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.
Streak
- Managing sales pipelines directly inside Gmailnot Xero
- Tracking email opens and running mail merges from an inboxnot Xero
Xero
- Small business bookkeeping, invoicing and bank reconciliationnot Streak
- Bill payment and purchase order managementnot Streak
- Sharing books with an accountant or bookkeepernot Streak
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Streak
- The free tier is email tools only, with pipelines, contact records and automation all requiring the Pro plan
- Free mail merge is capped at 50 a day
- The entry paid plan is $49 per user per month, which is high for a CRM that lives inside Gmail
- Integrations require a paid plan
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
Streak
Free- FreeFree
- Basic CRM
- Pipeline management
- Professional$10/month
- Everything in Free
- Email tracking
- Automation
- Business$50/month
- Everything in Professional
- Advanced features
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 Streak if
- You need pipeline management.
- You want to start without paying.
- You also want email tracking.
Choose Xero if
- You need bank reconciliation.
- You work on Web, Ios, Android, Api.
- You also want invoicing.
Questions people ask
- Is Streak or Xero better?
- Neither clearly leads. Streak 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, Streak or Xero?
- Streak has a free tier; the other does not. Paid plans start at Free for Streak and $13/month for Xero.
- Does Streak or Xero run on more platforms?
- Streak runs on Web. Xero runs on Web, Ios, Android, Api.
- Can I use Streak for free?
- Yes. Streak has a free tier, so you can try it without paying. Xero starts at $13/month.
- What is Streak best used for?
- Streak is most often used for managing sales pipelines directly inside gmail, tracking email opens and running mail merges from an inbox. Of those, managing sales pipelines directly inside gmail and tracking email opens and running mail merges from an inbox are not what Xero is typically brought in for.
- What can Streak do that Xero cannot?
- Streak covers Pipeline management, Email tracking, Automation, Document tracking. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
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- Xero vs Melio
- Xero vs Wise Business
- Xero vs ADP
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- Xero vs Expensify
- Xero vs Fyle
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- Xero vs Pleo
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- Xero vs SAP Concur
- Xero vs Spendesk
- Xero vs Stampli
- Xero vs Tipalti
- Xero vs Zoho Books
- Xero vs Adyen


