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EmLedger vs Xero

Xero charges per organisation. EmLedger charges per tier. If you manage multiple entities, switching saves you thousands per year.

Pricing

The Cost of Per-Organisation Pricing

Xero Established costs $90/month per organisation. Here's what that means as you grow.

# of Organisations 1 3 5 10 15 25
Xero Established $90/mo $270/mo $450/mo $900/mo $1,350/mo $2,250/mo
EmLedger $49/mo
Solo
 $49/mo
Solo
 $129/mo
Growth
 $129/mo
Growth
 $129/mo
Growth
 $299/mo
Enterprise
You Save $41/mo
(46%)
 $221/mo
(82%)
 $321/mo
(71%)
 $771/mo
(86%)
 $1,221/mo
(90%)
 $1,951/mo
(87%)

* Based on Xero Established pricing of $90/month per organisation as of January 2026.

Features

What Xero Can't Do

EmLedger has everything Xero has, plus multi-entity capabilities Xero lacks entirely.

EmLedger Only

Multi-entity management from one login
One-click entity switching
Consolidated P&L across entities
Consolidated Balance Sheet
Inter-company transaction tracking
Automatic inter-company eliminations
Entity-level permissions
1099-NEC and 1099-MISC tracking

Both Have

Invoicing & accounts receivable
Bills & accounts payable
Bank reconciliation & feeds
Inventory management
Financial reporting (P&L, Balance Sheet)
Budgeting & forecasting
Fixed asset tracking
Multi-currency support
Why Switch

3 Reasons to Switch from Xero

Save Up to 90%

Stop paying $90/month per organisation. EmLedger's tier pricing means you save more as your entity count grows.

Consolidated Reporting

Xero HQ lets you see organisations but not combine their financials. EmLedger generates real consolidated statements.

True Entity Isolation

Unlike Xero's separate organisations, EmLedger entities share a single platform with proper isolation, permissions, and inter-company tracking.

FAQ

Switching from Xero: Questions

Why switch from Xero to EmLedger?
If you manage multiple organisations in Xero, each one needs its own subscription at $90/month (Established plan). 10 organisations costs $900/month. EmLedger's Growth plan covers up to 15 entities for $129/month - an 86% savings. Plus you get consolidated reporting and entity switching that Xero doesn't offer.
Does EmLedger have the same features as Xero?
EmLedger includes 140+ features covering invoicing, bills, bank reconciliation, inventory, reporting, budgeting, fixed assets, and more. The key additions are multi-entity management, consolidated reporting, inter-company transaction tracking, and entity-level permissions that Xero doesn't provide.
Can I migrate my data from Xero?
Yes. EmLedger provides migration tools for importing your chart of accounts, contacts, and historical transactions from Xero. Our team assists with complex migrations involving multiple Xero organisations being consolidated into EmLedger entities.
Does Xero have any multi-entity features?
Xero has a basic "Xero HQ" for accountants to manage multiple client organisations, but it doesn't offer consolidated reporting, entity switching, or inter-company transaction tracking. Each organisation is completely separate with no way to view combined financials.
Is EmLedger available in the same countries as Xero?
EmLedger is currently available in the United States. If you're using Xero in the US and managing multiple organisations, EmLedger offers significant savings and multi-entity features that Xero lacks.
How does bank reconciliation compare to Xero?
EmLedger's bank reconciliation is comparable to Xero's with smart matching, auto-categorization rules, and bank feeds. The key difference is you can reconcile bank accounts across all your entities from one login instead of switching between separate Xero organisations.

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