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Software · head to head

Things 3 vs Xero

Things 3 logo

Things 3

Software

The award-winning personal task manager

From
$9.99/one-time
Rated
-
Full reviewWebsite
Xero logo

Xero

Software

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Things 3 no team collaboration, task sharing, or task assignment features; 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: Things 3 covers Today view, Xero covers Bank reconciliation.

Where they differ

Only the attributes on which Things 3 and Xero actually diverge.

Attributes where Things 3 and Xero differ
AttributeThings 3Xero
Starting price$9.99/one-time$13/month
Pricing modelUnknownsubscription
PlatformsmacOS, iOS, iPadOS, watchOS, visionOSWeb, Ios, Android, Api
Founded20042006

Identical on both: free tier (No), 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 Things 3

  • Today view
  • Projects and areas
  • Quick entry
  • Tags
  • Calendar integration
  • Apple Calendar
  • Siri
  • Shortcuts

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.

Things 3

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

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot Things 3
  • Bill payment and purchase order managementnot Things 3
  • Sharing books with an accountant or bookkeepernot Things 3

Where each one falls short

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

Things 3

  • No team collaboration, task sharing, or task assignment features
  • Apple ecosystem only, with no Windows, Android, or web version
  • No third-party app integrations beyond Apple's ecosystem
  • Cannot attach files or images to tasks, only text notes
  • No time blocking or calendar integration for scheduling tasks into specific time slots

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

Things 3

$9.99/one-time
  • iPhone/Watch$9.99/one-time
  • iPad$19.99/one-time
  • Mac$49.99/one-time

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 Things 3 if

  • You need today view.
  • You work on macOS, iOS, iPadOS, watchOS, visionOS.
  • You also want projects and areas.
Things 3 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 Things 3 or Xero better?
Neither clearly leads. Things 3 starts at $9.99/one-time and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Things 3 or Xero?
Things 3 starts at $9.99/one-time and Xero at $13/month.
Does Things 3 or Xero run on more platforms?
Things 3 runs on macOS, iOS, iPadOS, watchOS, visionOS. Xero runs on Web, Ios, Android, Api.
What is Things 3 best used for?
Things 3 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 Things 3 do that Xero cannot?
Things 3 covers Today view, Projects and areas, Quick entry, Tags. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.

Answered from the vendors’ own pages

Things 3: Does Things 3 support team collaboration?

No. Things 3 is designed for individual use only with no task sharing, team workspaces, task assignment, or commenting features.

Source
Things 3: What platforms does Things 3 run on?

Things 3 is exclusive to Apple devices: macOS, iOS, iPadOS, watchOS, and visionOS. There is no Windows, Android, or web version.

Source
Things 3: How much does Things 3 cost?

Things 3 uses a one-time purchase model: $9.99 for iPhone/Watch, $19.99 for iPad, and $49.99 for Mac. Total cost for all platforms is approximately $80 with no subscription required.

Source
Things 3: Does Things 3 sync across devices?

Yes. Things Cloud keeps your to-dos in sync across all your Apple devices automatically. There is no extra cost for cloud synchronization.

Source
Things 3: Can you attach files or images to tasks in Things 3?

No. Things 3 does not support attachments. You can only add notes (text) to tasks.

Source
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Related pages

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