BusinessFinancing.co.uk

Featured* Small Business Accounting Software
 

Xero vs Earnr: Which Is Better Accounting Software?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Which accounting software is better Xero or Earnr?

We compare them based on real user reviews, prices and what features they both offer.

Xero homepageEarnr homepage
 

Xero vs Earnr Basics

XeroEarnr
Software WebsiteXero WebsiteEarnr Website
HMRC MTD StatusApprovedIn Development
Who Can Use It?Agents and businessesBusinesses and Self-employed
HMRC Listed FeaturesDigital record keeping, Updates to HMRC for self-employment, Tax estimates from HMRC based on provided updates, Updates to HMRC for UK propertyNone
PlatformsWeb-based application, Android, iOSAndroid, and iOS
Note data for this section comes from HMRC here and here

Xero vs Earnr Reviews

Wondering if Xero or Earnr has better user reviews. We compared them below.

XeroEarnr
Trustpilot Rating4.34.8
Number of Trustpilot Reviews6017122
iPhone App Rating4.74.8
Number of iPhone Reviews1270046
Android App Rating4.6No Rating
Number of Android Reviews11900No Reviews
Please note ratings we’re accurate at the time of writing but may have since changed

Xero vs Earnr Prices

Which is cheaper Xero or Earnr? Here are their prices compared.

Xero pricingEarnr pricing

Free Plans & Trials

XeroEarnr
Free Plan?NoNo
Free Trial?YesNo
Free Trial Length?30 daysNo
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

XeroEarnr
Cheapest Plan Cost Per Month£7.50£1.99
Mid-Tier Plan Cost Per Month£15.00NA
Top Plan Cost Per Month£27.50£119.99
Data taken from each company’s website at the time of writing but may have since changed.

Xero vs Earnr Features

Xero featuresEarnr features

Xero Basic Features

  • Send invoices and quotes
  • Enter bills
  • Reconcile bank transactions
  • Submit VAT returns to HMRC
  • Capture bills and receipts with Hubdoc
  • Automatic CIS calculations and reports
  • Short-term cash flow and business snapshot
  • Payroll
  • Claim expenses
  • Track projects
  • Analytics Plus
  • Submit CIS returns

Xero Software Integrations

  • BlueHub
  • LimeCloud
  • Outserve

Earnr Basic Features

  • Bookkeeping. Everything you need to automate the records you need to keep for HMRC.
  • Business insights. Stay on top of your monthly finances.
  • Tax help. Sort out your UTR and get a monthly tax estimate.
  • Learn. Become tax savvy with access to our short videos.
  • Customer support. Whenever you need.
  • Tax Return for £119.99

Earnr Software Integrations

  • Tomato Pay

Common Feature Comparison

XeroEarnr
Payroll Software IntegrationYesNo
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesYes
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesNo
Forecast Cash FlowYesNo
Accept and Make Payments In Different CurrenciesYesNo
Employee Time TrackingYesNo
ProjectsYesNo
Bank Feed IntegrationYesYes
End of Year FilingsYesNo
Capture Bills And ReceiptsYesNo
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsYesNo

XeroEarnr
Pros
  • User Friendly
  • User Interface
  • Saves Time
  • Integrations
  • Cloud Based
  • Automate the records you need to keep for HMRC
  • Link up your bank account
  • Track your income and expenses
Cons
  • Expense Report Issues
  • Not User Friendly
  • Expensive
  • Room for Improvement
  • Technical Issues
  • Expensive

More Comparisons

Xero vs Federation of Small Businesses MTD
Xero vs Hammock
Xero vs IRIS Elements
Xero vs Kletta
Xero vs MYT

Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



Best Business Bank Accounts · Free Business Bank Accounts · Business Savings Accounts · Business Credit Cards
Blog · About Us · Contact US · Privacy Policy · Terms of Use
Copyright © 2025 BusinessFinancing.co.uk

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224