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ERP · head to head

TOTVS vs Xero

TOTVS logo

TOTVS

ERP

Brazilian cloud ERP for business management

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: TOTVS strongest in Brazil/Latin America; limited global brand recognition outside region; 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: TOTVS covers Financial management, Xero covers Bank reconciliation.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which TOTVS and Xero actually diverge.

Attributes where TOTVS and Xero differ
AttributeTOTVSXero
Starting priceOn request$13/month
Pricing modelUnknownsubscription
PlatformsCloud (SaaS)Web, Ios, Android, Api
CategoryERPAccounting
Founded19832006

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 TOTVS

  • Financial management
  • Supply chain
  • Manufacturing
  • CRM
  • Compliance
  • Brazilian tax systems
  • REST APIs
  • Third-party systems

Only in Xero

  • Bank reconciliation
  • Invoicing
  • Bill payment
  • Expense claims
  • Financial reporting
  • Inventory tracking
  • Project tracking
  • Mobile apps

Both cover

  • Data encryption

What people use each for

The jobs each tool is most often brought in to do.

TOTVS

  • Brazilian business managementnot Xero
  • Tax compliancenot Xero
  • Multi-module integrationnot Xero
  • Regional supportnot Xero

Xero

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

Where each one falls short

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

TOTVS

  • Strongest in Brazil/Latin America; limited global brand recognition outside region
  • Complex implementation required for enterprise deployments
  • Smaller feature set compared to global players like Oracle or SAP in some areas
  • Language and localization primarily focused on Portuguese and Spanish

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

TOTVS

On request

No published plan breakdown. See the TOTVS 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 TOTVS if

  • You need financial management.
  • You work on Cloud (SaaS).
  • You also want supply chain.
TOTVS 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 TOTVS or Xero better?
Neither clearly leads. TOTVS 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, TOTVS or Xero?
TOTVS starts at On request and Xero at $13/month.
Does TOTVS or Xero run on more platforms?
TOTVS runs on Cloud (SaaS). Xero runs on Web, Ios, Android, Api.
What is TOTVS best used for?
TOTVS is most often used for brazilian business management, tax compliance, multi-module integration, regional support. Of those, brazilian business management and tax compliance are not what Xero is typically brought in for.
What can TOTVS do that Xero cannot?
TOTVS covers Financial management, Supply chain, Manufacturing, CRM. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims. Both handle Data encryption.

Answered from the vendors’ own pages

TOTVS: What markets does TOTVS operate in?

TOTVS operates in 41 countries with dominant presence in Brazil (over 50% market share) and ranks among the top 3 ERP providers in Latin America.

Source
TOTVS: When was TOTVS founded?

TOTVS (originally Microsiga) was founded in 1983 by Laércio Cosentino and Ernesto Haberkorn. The company changed its name to TOTVS in 2005.

Source
TOTVS: Is TOTVS publicly traded?

Yes. TOTVS is publicly traded as a Brazilian company, providing financial transparency and corporate governance oversight.

Source
TOTVS: What ERP solutions does TOTVS offer?

TOTVS provides cloud-based ERP systems designed for small, medium, and large enterprises with integrated modules for finance, supply chain, manufacturing, sales, and human resources.

Source
TOTVS: Is TOTVS only for Brazilian companies?

No. TOTVS serves 41 countries globally, though it has strongest market penetration in Brazil and Latin America where it ranks as the largest emerging markets software firm.

Source
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