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Xero vs Hammock: Which Is Better Accounting Software?


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

Which accounting software is better Xero or Hammock?

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

Xero homepageHammock homepage
 

Xero vs Hammock Basics

XeroHammock
Software WebsiteXero WebsiteHammock Website
HMRC MTD StatusApprovedIn Development
Who Can Use It?Agents and businessesLandlords, agents and property managers
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, iOSWeb-based application, Android, and iOS
Note data for this section comes from HMRC here and here

Xero vs Hammock Reviews

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

XeroHammock
Trustpilot Rating4.33.8
Number of Trustpilot Reviews60172
iPhone App Rating4.74
Number of iPhone Reviews127007
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 Hammock Prices

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

Xero pricingHammock pricing

Free Plans & Trials

XeroHammock
Free Plan?NoNo
Free Trial?YesYes
Free Trial Length?30 days30 Days
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

XeroHammock
Cheapest Plan Cost Per Month£7.50£5.99
Mid-Tier Plan Cost Per Month£15.00£11.99
Top Plan Cost Per Month£27.50£19.99
Data taken from each company’s website at the time of writing but may have since changed.

Xero vs Hammock Features

Xero featuresHammock 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

Hammock Basic Features

  • 1-3 Properties
  • Register your rental properties
  • Bookkeeping
  • Unlimited Bank Feeds
  • Real-time Notifications
  • User Management

Hammock Software Integrations

  • Revolut
  • Monzo
  • Natwest
  • TSB Bank
  • Barclays
  • Aldermore

Common Feature Comparison

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

XeroHammock
Pros
  • User Friendly
  • User Interface
  • Saves Time
  • Integrations
  • Cloud Based
  • Free trial
  • Automated bookkeeping
  • Unlimited Bank Feeds
Cons
  • Expense Report Issues
  • Not User Friendly
  • Expensive
  • Room for Improvement
  • Technical Issues
  • Low review score

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Xero vs PaTMa

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