ReckonOS and Xero compared
Xero is double-entry accounting priced per organization with no per-user fees: $27, $59 or $97 a month in the US. ReckonOS is client invoicing, payments, margin and tax reserve software at $49, $99 or $199 a month. For a studio of fifteen, Xero Established with Assembly Starter for a client portal costs $146 a month, less than ReckonOS Studio at $199.
Prices checked on 10 November 2026. Prices may change. Check the vendor’s site for current pricing.
Which fits you
Choose Xero if
You need full accounting, or you are a larger team: Xero does not charge per user, so for fifteen people Xero Established plus a separate client portal costs less than ReckonOS Studio.
Choose ReckonOS if
You want invoicing, client payments, margin per project and tax set-aside in one tool, unlimited invoices on every plan, and a pay link for each client, alongside your accountant’s system.
Xero list prices
Read on the vendor’s own page on 10 November 2026. List prices, not introductory offers.
| Plan | Basis | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| Xero (US) Early | Per organization, no per-user fees; 20 invoices | $27 | No yearly rate published |
| Xero (US) Growing | Per organization, no per-user fees | $59 | No yearly rate published |
| Xero (US) Established | Per organization, no per-user fees | $97 | No yearly rate published |
| Xero (UK) Ignite | Per organization; 20 invoices | £18 | No yearly rate published |
| Xero (UK) Grow | Per organization | £39 | No yearly rate published |
| Xero (UK) Comprehensive | Per organization | £55 | No yearly rate published |
| Xero (UK) Ultimate | Per organization | £70 | No yearly rate published |
- Source: xero.com/us/pricing-plans (opens in a new tab), checked 10 November 2026. Prices exclude applicable taxes.
- Source: xero.com/uk/pricing-plans (opens in a new tab), checked 10 November 2026. Prices exclude VAT.
ReckonOS prices
Per workspace, in US dollars. VAT or sales tax may be added at checkout. Every plan has unlimited clients and invoices.
| Plan | Limits | Billed monthly | Billed yearly, per month |
|---|---|---|---|
| ReckonOS Starter | 1 user; 1 payment gateway plus bank transfer; 50 receipt scans a month | $49 | $39$468 a year ÷ 12 |
| ReckonOS Pro | Up to 10 users; 3 payment gateways plus bank transfer; 500 receipt scans a month | $99 | $79$948 a year ÷ 12 |
| ReckonOS Studio | Up to 50 users; 8 payment gateways plus bank transfer; 2,000 receipt scans a month | $199 | $159$1,908 a year ÷ 12 |
The arithmetic
Team of 5, Xero Established with Assembly Starter against ReckonOS Pro
Billed monthly: $97 (Xero (US) Established) + $49 (Assembly (formerly Copilot) Starter) = $146 a month; ReckonOS Pro $99, so ReckonOS costs $47 less.
Billed yearly: $97 + $29 = $126 a month; ReckonOS Pro $79, so ReckonOS costs $47 less.
Team of 15, the same stack against ReckonOS Studio
Billed monthly: $97 (Xero (US) Established) + $49 (Assembly (formerly Copilot) Starter) = $146 a month; ReckonOS Studio $199, so ReckonOS costs $53 more.
Billed yearly: $97 + $29 = $126 a month; ReckonOS Studio $159, so ReckonOS costs $33 more.
Tax and payment-processing fees are left out on both sides. The cost calculator on the Pricing page compares whole stacks of tools.
Side by side
Xero column as stated on its pricing page on 10 November 2026. “Not listed” means the page we checked did not mention it.
| Feature | ReckonOS | Xero |
|---|---|---|
| What it is | Invoicing, payments, project margin and tax reserve estimates | Double-entry accounting |
| How it is priced | Per workspace with a user cap (1, 10, 50) | Per organization, “No per-user license fees” |
| Invoices | Unlimited on every plan | Early: 20 invoices; more on higher plans |
| Multi-currency | Every plan | Established only (US) |
| Projects and time tracking | Time on every plan; margin on Pro and Studio | Established only (US) |
| Client portal | Every plan | Not listed on any plan on the page we checked |
Where they are not like for like
- ReckonOS is not double-entry accounting: it has no general ledger or bank reconciliation. Your accountant gets reports and exports, and many teams keep an accounting package alongside it.
- Xero publishes monthly billing only, so the yearly column uses the monthly list price. Xero’s payroll add-on is not included.
Prices checked on 10 November 2026. Prices may change. Check the vendor’s site for current pricing. Xero is a trademark of its owner, named here only to identify the product. This page is not endorsed by or affiliated with it.
Other comparisons: QuickBooks Online · FreshBooks · Wave · Bonsai · Assembly (formerly Copilot) · Expensify
Questions
Is Xero cheaper than ReckonOS?
Often, yes. Xero Early is $27 a month against ReckonOS Starter at $49, and Xero does not charge per user. ReckonOS covers different jobs: client invoicing with a pay link, project margin and a tax reserve estimate, without a general ledger.
Try ReckonOS on your next invoice.
Set up your workspace, add your logo and send an invoice in your own template. Every feature is open during the trial.
$7 today for 7 days of full access. On day 7 Pro starts at $99 a month (or $948 a year) unless you cancel first. Cancel any time from Settings > Billing. VAT or sales tax may be added at checkout.