Microsoft 365 vs Xero
A detailed comparison of Microsoft 365 and Xero in 2026. Compare pricing plans, features, and find out which productivity service is right for you.
Microsoft 365
Office apps suite with cloud services
Microsoft 365 is a productivity and collaboration service that provides office apps suite with cloud services. Founded in 1988 and headquartered in Redmond, Washington, Microsoft 365 offers 3 pricing plans. Plans start from $6/month. Key features include Word, Excel, PowerPoint, Outlook. Microsoft 365 is a popular choice for users looking for quality productivity subscriptions.
Xero
Cloud accounting software for small businesses
Xero is a financial and accounting service that provides cloud accounting software for small businesses. Founded in 2006 and headquartered in Wellington, New Zealand, Xero offers 3 pricing plans. Plans start from $13/month. Key features include Bank reconciliation, Invoicing, Payroll, Projects. Xero is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Microsoft 365 | Xero |
|---|---|---|
| Starting Price | $6/mo | $13/mo |
| Plans Available | 3 | 3 |
| Year Founded | 1988 | 2006 |
| Headquarters | Redmond, Washington | Wellington, New Zealand |
| Word | ||
| Excel | ||
| PowerPoint | ||
| Outlook | ||
| OneDrive 1TB | ||
| Teams | ||
| Bank reconciliation | ||
| Invoicing | ||
| Payroll | ||
| Projects | ||
| Expenses | ||
| Multi-currency |
Pricing Comparison
Compare all available plans and pricing tiers
Microsoft 365 Pricing
$72/yr
$69.99/yr
$99.99/yr
Xero Pricing
Frequently Asked Questions
Is Microsoft 365 or Xero better in 2026?
Both Microsoft 365 and Xero are excellent productivity services. Microsoft 365 offers Word and Excel, while Xero features Bank reconciliation and Invoicing. The best choice depends on your specific needs and budget.
How much does Microsoft 365 cost compared to Xero?
Microsoft 365 starts at $6/month, while Xero starts at $13/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Microsoft 365 and Xero subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Microsoft 365 and Xero. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Microsoft 365, Xero, or both — track all your subscriptions in one place with smart alerts and analytics.