AccLedger vs Xero
The Xero alternative with no upgrade walls
Xero starts at £16/month — but invoice limits, multi-currency, payroll and analytics push most businesses up its five-tier ladder. AccLedger is one plan with everything in it, from £5/month, with a 90-day free trial.
One plan, everything included · 90-day free trial · No credit card required
No upgrade walls
Every feature — VAT filing, inventory, payroll, multi-currency, Shopify sync — is in the one plan you start on. The plan you sign up with is the plan you finish your taxes on.
One honest price
Landlords £5, sole traders £7.50, limited companies £10 per month. No intro discounts that expire, no per-feature add-ons, no surprise renewal emails.
HMRC-recognised MTD software
AccLedger is on HMRC’s Making Tax Digital software list. File your 9-box VAT return directly to HMRC from your real transactions.
Full inventory included
Stock levels, movements, bills of materials, production runs, purchase orders and GRNs — included, not gated to a higher tier or a third-party app.
Built-in Shopify sync
Orders, payouts and stock levels sync two-way with your Shopify store. No paid connector apps required.
End-to-end UK compliance
Bookkeeping, VAT, payroll, Self Assessment and MTD ITSA quarterly updates in one ledger — built UK-first around HMRC’s requirements.
Why people look for a Xero alternative
Most people searching for a Xero alternative hit the same wall: the entry plan looks affordable until you need more than 20 invoices a month, multi-currency, payroll or expenses — each one a plan upgrade or paid add-on. By the time a small limited company has what it actually needs, the bill is several times the headline price.
- Entry-tier plans that exclude the features small businesses actually need
- Add-ons and connector apps that multiply the real monthly cost
- Intro discounts and renewal increases that change the price you agreed to
What switching to AccLedger looks like
Export your data from your current software as CSV, import it with AccLedger’s built-in migration tool, connect your bank feed and HMRC — most businesses are fully moved in an afternoon. Our team helps with migration free of charge during your trial.
- CSV import for contacts, chart of accounts and transactions
- Open banking bank feeds via GoCardless
- Connect HMRC and see your real VAT obligations in minutes
- 90 days free — long enough to file a real VAT return before paying anything
How AccLedger compares
| Capability | AccLedger | Xero |
|---|---|---|
| Monthly price | From £5 (landlord), £7.50 (sole trader), £10 (ltd company) | From £16 (Ignite) to £59+ (top plans), excl. add-ons |
| Pricing tiers | One plan per business type — everything included | 5 plans; key features gated to higher tiers |
| Free trial | 90 days | 30 days |
| Invoices & quotes | Unlimited on every plan | Capped on the entry plan (approx. 20 invoices/month) |
| MTD VAT filing to HMRC | ||
| Bank feeds | ||
| Multi-currency (GBP, USD, EUR, TRY) | Included | Higher plans only |
| Inventory & stock control | Included — BOM, production runs, GRNs | Basic; advanced inventory needs third-party apps |
| Payroll | Included | Paid add-on |
| Shopify sync (orders, payouts, stock) | Built-in, two-way | Via third-party connector apps (extra cost) |
| Self Assessment & MTD ITSA | Included | Depends on plan/partner tools |
| Double-entry ledger & full reports |
Frequently asked questions
Is AccLedger a good Xero alternative for small businesses?
Can I move my data from Xero to AccLedger?
Is AccLedger HMRC-recognised for Making Tax Digital?
How much cheaper is AccLedger than Xero?
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Learn moreAccLedger pricing
One plan per business type. Everything included.
Learn moreMTD VAT software
HMRC-recognised VAT filing straight from your books.
Learn moreReady to leave the upgrade ladder behind?
Start your 90-day free trial — long enough to run real books and file a real VAT return before you pay a penny. Competitor pricing checked June 2026 from public UK pricing pages, excluding VAT; always confirm current prices on the provider’s site. Xero, QuickBooks, FreeAgent and Sage are trademarks of their respective owners. AccLedger is an independent product and is not affiliated with, sponsored by, or endorsed by any of them.
One plan, everything included · 90-day free trial · No credit card required