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Software · head to head

Toggl Plan vs Xero

Toggl Plan logo

Toggl Plan

Software

Beautiful team planning and project timelines

From
Free
Rated
-
Full reviewWebsite
Xero logo

Xero

Software

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Only Toggl Plan has a free tier, so it costs nothing to try first.
  • Each has a real cost: Toggl Plan limited day-to-day task management features compared to full-featured alternatives; 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: Toggl Plan covers Timeline planning, Xero covers Bank reconciliation.

Where they differ

Only the attributes on which Toggl Plan and Xero actually diverge.

Attributes where Toggl Plan and Xero differ
AttributeToggl PlanXero
Starting priceFree$13/month
Pricing modelUnknownsubscription
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, Ios, Android, Api

Identical on both: user rating (Not yet rated), category (Unknown), founded (2006).

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 Toggl Plan

  • Timeline planning
  • Team availability
  • Milestones
  • Drag-and-drop
  • Workload management
  • Google Calendar
  • Slack
  • GitHub

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.

Toggl Plan

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

Xero

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

Where each one falls short

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

Toggl Plan

  • Limited day-to-day task management features compared to full-featured alternatives
  • Many teams run Toggl Plan alongside another tool for comprehensive project tracking
  • Starter plan limited to five users maximum

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

Toggl Plan

Free
  • FreeFree
    • Basic timeline view
  • Starter$10/month
    • Up to 5 users
    • Gantt charts
    • Integrations
  • Business$25/month
    • Unlimited users
    • Advanced features
    • Full integrations

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 Toggl Plan if

  • You need timeline planning.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want team availability.
Toggl Plan 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 Toggl Plan or Xero better?
Neither clearly leads. Toggl Plan 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, Toggl Plan or Xero?
Toggl Plan has a free tier; the other does not. Paid plans start at Free for Toggl Plan and $13/month for Xero.
Does Toggl Plan or Xero run on more platforms?
Toggl Plan runs on Web, iOS, Android. Xero runs on Web, Ios, Android, Api.
Can I use Toggl Plan for free?
Yes. Toggl Plan has a free tier, so you can try it without paying. Xero starts at $13/month.
What is Toggl Plan best used for?
Toggl Plan 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 Toggl Plan do that Xero cannot?
Toggl Plan covers Timeline planning, Team availability, Milestones, Drag-and-drop. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.

Answered from the vendors’ own pages

Toggl Plan: What are Toggl Plan's pricing tiers?

Toggl Plan has a free tier for individuals, Starter plan at $10 per user per month for up to five users, and Business plan at $25 per user per month with unlimited features.

Source
Toggl Plan: Does Toggl Plan include time tracking?

Toggl Plan integrates with Toggl Track for time tracking, allowing you to start timers directly from tasks, though time tracking is not natively built into Toggl Plan.

Source
Toggl Plan: What is Toggl Plan's main strength?

Toggl Plan excels at visual Gantt chart scheduling with drag-and-drop task management, timeline views, and workload visualization for teams.

Source
Toggl Plan: Can Toggl Plan handle day-to-day task management?

Toggl Plan has limited day-to-day task management compared to full project management suites, making teams often run it alongside other task management tools.

Source
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