Substack vs Xero
A detailed comparison of Substack and Xero in 2026. Compare pricing plans, features, and find out which news service is right for you.
Substack
Platform for independent newsletter writers
Substack is a news and media service that provides platform for independent newsletter writers. Founded in 2017 and headquartered in San Francisco, California, Substack offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Newsletter platform, Podcasts, Chat, Notes. Substack is a popular choice for users looking for quality news 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 | Substack | Xero |
|---|---|---|
| Starting Price | Free | $13/mo |
| Plans Available | 2 | 3 |
| Year Founded | 2017 | 2006 |
| Headquarters | San Francisco, California | Wellington, New Zealand |
| Newsletter platform | ||
| Podcasts | ||
| Chat | ||
| Notes | ||
| Community | ||
| Monetization | ||
| Bank reconciliation | ||
| Invoicing | ||
| Payroll | ||
| Projects | ||
| Expenses | ||
| Multi-currency |
Pricing Comparison
Compare all available plans and pricing tiers
Substack Pricing
Xero Pricing
Frequently Asked Questions
Is Substack or Xero better in 2026?
Both Substack and Xero are excellent news services. Substack offers Newsletter platform and Podcasts, while Xero features Bank reconciliation and Invoicing. The best choice depends on your specific needs and budget.
How much does Substack cost compared to Xero?
Substack starts at $Free/month, while Xero starts at $13/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Substack and Xero subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Substack 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 Substack, Xero, or both — track all your subscriptions in one place with smart alerts and analytics.