Xero →
Businesses sharing their books with an adviser, especially when payroll and connected apps matter.
Ignite has invoice and bill limits. Foreign-currency accounting starts at Comprehensive.
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Find accounting software that fits the way you work
Compare 11 product families across 55 pairings. See the plan limits, Australian reporting questions and practical tasks to test before you move your books.
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Change either product to compare the same ten requirements. Plan limits and reporting boundaries stay visible alongside the price.
Comparing Xero with MYOB Business
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| Requirement | Xero | MYOB Business |
|---|---|---|
| Who should trial it | Businesses sharing their books with an adviser, especially when payroll and connected apps matter. | Small businesses wanting browser-based Australian bookkeeping with payroll charged by employee. |
| Standard price and commitment | Ignite $37; Grow $78; Comprehensive $107; Ultimate 10 $143/month. AUD, GST included; standard prices. | Lite $35/month or $315/year; Pro $70/month at standard monthly pricing. Check the billing option and GST at checkout. |
| Where you work | Cloud browser software with mobile apps. | Browser-based Lite and Pro, with MYOB Assist for mobile tasks. |
| Bank transactions | Bank feeds and reconciliation. Check your bank and account type; automation entitlements differ by plan. | Lite connects up to two bank accounts; Pro accommodates more. Test each required account. |
| Australian GST and BAS | Australian GST reporting and BAS lodgement features. Correct setup and review still required. | GST tracking and BAS lodgement features. AI preparation eligibility is a separate plan/customer question. |
| Employees and payroll | Included employee allowances vary by plan: 1, 2, 5 and 10 respectively. Check extra headcount costs. | Lite supports up to two employees; Pro supports more. Payroll adds $3 per employee/month. |
| Stock and purchasing | Tracked inventory is available. Demonstrate purchasing, returns and any warehouse requirements before selecting add-ons. | Check the inventory features and add-on price against your stock workflow; do not assume AccountRight equivalence. |
| People and limits | Unlimited users; assign roles rather than sharing a login. | Invite an accountant or bookkeeper with their own access. Confirm each operational role in trial. |
| Check before buying | Ignite has invoice and bill limits. Foreign-currency accounting starts at Comprehensive. | Lite, Pro, Solo and AccountRight are different products. Compare the named plan. |
| A useful trial task | Test a part-paid invoice, bank reconciliation and the report your adviser needs. | Enter a supplier bill, pay it and reconcile the bank line without recording the expense twice. |
| Read the full guide | Xero: how it works → | MYOB Business: how it works → |
| Verify with the vendor | Australian plans ↗Bank reconciliation ↗ | Lite ↗Pro ↗ |
This is a researched comparison, not a performance score. Prices use the vendor’s stated billing basis; confirm AUD, GST, current entitlements and commitment before buying. “Report preparation” does not mean “lodged with the ATO”.
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Enter your actual quotes using the same currency, billing and GST basis. The starting figures are fictional examples, independent of the products selected above.
Allow for payroll, users and required add-ons in monthly extras. This simple scenario assumes unchanged prices and excludes promotions, variable payment fees and staff time. Read the cost guide →
All 55 product pairings
Choose a pairing to load it in the comparison above. Each uses the same requirements, so you can change your shortlist without changing the test.
Xero vs MYOB BusinessXero vs MYOB AccountRightXero vs QuickBooks OnlineXero vs Reckon OneXero vs Zoho BooksXero vs RoundedXero vs FreshBooksXero vs ManagerXero vs GnuCashXero vs Cashflow ManagerMYOB Business vs MYOB AccountRightMYOB Business vs QuickBooks OnlineMYOB Business vs Reckon OneMYOB Business vs Zoho BooksMYOB Business vs RoundedMYOB Business vs FreshBooksMYOB Business vs ManagerMYOB Business vs GnuCashMYOB Business vs Cashflow ManagerMYOB AccountRight vs QuickBooks OnlineMYOB AccountRight vs Reckon OneMYOB AccountRight vs Zoho BooksMYOB AccountRight vs RoundedMYOB AccountRight vs FreshBooksMYOB AccountRight vs ManagerMYOB AccountRight vs GnuCashMYOB AccountRight vs Cashflow ManagerQuickBooks Online vs Reckon OneQuickBooks Online vs Zoho BooksQuickBooks Online vs RoundedQuickBooks Online vs FreshBooksQuickBooks Online vs ManagerQuickBooks Online vs GnuCashQuickBooks Online vs Cashflow ManagerReckon One vs Zoho BooksReckon One vs RoundedReckon One vs FreshBooksReckon One vs ManagerReckon One vs GnuCashReckon One vs Cashflow ManagerZoho Books vs RoundedZoho Books vs FreshBooksZoho Books vs ManagerZoho Books vs GnuCashZoho Books vs Cashflow ManagerRounded vs FreshBooksRounded vs ManagerRounded vs GnuCashRounded vs Cashflow ManagerFreshBooks vs ManagerFreshBooks vs GnuCashFreshBooks vs Cashflow ManagerManager vs GnuCashManager vs Cashflow ManagerGnuCash vs Cashflow Manager
Know what you’re choosing
Explore all 11 product guides
Each guide explains the everyday workflow, the limits worth checking and a useful trial task. The list remains available without JavaScript.
MYOB Business →
Small businesses wanting browser-based Australian bookkeeping with payroll charged by employee.
Lite, Pro, Solo and AccountRight are different products. Compare the named plan.
MYOB AccountRight →
Businesses whose stock, purchasing or job workflows justify a Windows accounting application.
A Mac browser session does not provide every Windows feature.
QuickBooks Online →
Service businesses choosing between progressively richer reporting, project and inventory plans.
US QuickBooks features, payroll prices and tax guidance do not automatically apply in Australia.
Reckon One →
Owners wanting a lower-priced cloud shortlist with unlimited users and separately chosen payroll.
Older articles describe superseded module pricing. Use the current named plan.
Zoho Books →
Small businesses already using Zoho, or testing a free cloud option within its eligibility limits.
Free has a revenue ceiling and 1,000 invoices/year. Check what happens when you exceed either.
Rounded →
Australian sole traders selling their own time or services who want invoicing and record keeping together.
GST needs or automatic bank feeds can make Pro the relevant comparison, rather than Starter.
FreshBooks →
Client-service businesses prioritising proposals, time and invoicing, with Australian tax/payroll handled deliberately.
Client limits are not user limits. Its AU pricing page contains region-sensitive add-on figures.
Manager →
Owners comfortable managing a local accounting file who want to avoid a desktop licence fee.
Freeware is not the same as open source. You are responsible for desktop backups and recovery.
GnuCash →
Users who want free, open-source desktop accounting and are comfortable learning a double-entry ledger.
The accounting concepts are more visible than in guided cloud software. Trial the reports before migrating.
Cashflow Manager →
Small businesses wanting a Windows cashbook-style workflow, with Gold for invoicing, stock and employees.
A monthly instalment does not mean a month-to-month commitment: Gold has a 12-month minimum.
Turn the shortlist into a decision
Run the same trial tasks in two products, then plan the migration and archive. For the wider buying guide and detailed head-to-head articles, start with Compare small business accounting software.
Product information checked 9 September 2026 against official Australian pricing and documentation. We have not assigned invented ratings or treated unverified features as included. The comparison is a researched shortlist, not every accounting product on the market.