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Xero vs Kashflow: Which Is Better Accounting Software?


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

Which accounting software is better Xero or Kashflow?

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

Xero homepageKashflow homepage
 

Xero vs Kashflow Basics

XeroKashflow
Software WebsiteXero WebsiteKashflow Website
HMRC MTD StatusApprovedIn Development
Who Can Use It?Agents and businessesBusinesses
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, iPhone, web-based application, Windows phone
Note data for this section comes from HMRC here and here

Xero vs Kashflow Reviews

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

XeroKashflow
Trustpilot Rating4.31.4
Number of Trustpilot Reviews6017124
iPhone App Rating4.71.8
Number of iPhone Reviews1270056
Android App Rating4.62.9
Number of Android Reviews1190061
Please note ratings we’re accurate at the time of writing but may have since changed

Xero vs Kashflow Prices

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

Xero pricingKashflow pricing

Free Plans & Trials

XeroKashflow
Free Plan?NoNo
Free Trial?YesYes
Free Trial Length?30 days14 days
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

XeroKashflow
Cheapest Plan Cost Per Month£7.50£10.50
Mid-Tier Plan Cost Per Month£15.00£22.00
Top Plan Cost Per Month£27.50£29.00
Data taken from each company’s website at the time of writing but may have since changed.

Xero vs Kashflow Features

Xero featuresKashflow 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

Kashflow Basic Features

  • Send unlimited quotes & 10 invoices
  • Reconcile up to 25 bank transactions
  • Single User
  • Manage and submit VAT online
  • Bank Feeds
  • Get paid faster with KashFlow Payments
  • Free Mobile App
  • Access to over 50 reports
  • Customisable dashboard
  • Manage purchases & expenses
  • Track Mileage
  • Schedule customer statements
  • IRIS Pay
  • Customer Credit Limits

Kashflow Software Integrations

  • Salesforce
  • Zoho
  • Satago
  • Paypal
  • Square
  • Stripe
  • Magento
  • TripCatcher

Common Feature Comparison

XeroKashflow
Payroll Software IntegrationYesYes
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesYes
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesYes
Forecast Cash FlowYesYes
Accept and Make Payments In Different CurrenciesYesYes
Employee Time TrackingYesNo
ProjectsYesNo
Bank Feed IntegrationYesYes
End of Year FilingsYesYes
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsYesYes

XeroKashflow
Pros
  • User Friendly
  • User Interface
  • Saves Time
  • Integrations
  • Cloud Based
  • User Friendly
  • User Interface
  • Cloud Based
  • Meets Business Needs
  • Pricing
Cons
  • Expense Report Issues
  • Not User Friendly
  • Expensive
  • Room for Improvement
  • Technical Issues
  • Room for Improvement
  • Difficult to Customize
  • Expensive
  • Missing Features

More Comparisons

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Xero vs Capium
Xero vs TaxCalc
Xero vs 123 Sheets

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