AI invoice creation
Eonebill
Draft invoices and other business documents from plain language
Xero
JAX creates, edits, and sends invoices with plain-language commands
⚖️US pricing checked August 2026
Xero Alternative for Freelancers: Eonebill vs Xero
Xero is the stronger full accounting platform, and its JAX AI can create invoices. Eonebill is the leaner document-first option with a permanent free plan. Xero Early is currently $25/month and increases to $27 on October 1, 2026.
Current and announced US pricing
Xero costs more because it is a full accounting system
Early currently includes 20 invoices, five bills, reconciliation, reports, smart document capture, and W-9 + 1099 management. Eonebill Free covers 30 documents per month across 3 clients. Prices below use regular rates, not temporary offers.
Plan
Current price
Announced price
Core allowance
Eonebill Free
$0
No scheduled change
30 documents/month across 3 clients
Eonebill Pro
$19/month
$14/month with annual billing
Unlimited documents and up to 2 bank connections
Xero Early
$25/month
$27/month from October 1, 2026
20 invoices, 5 bills, reconciliation, reports, and W-9 + 1099 management
Xero Growing
$55/month
$59/month from October 1, 2026
Unlimited invoicing plus automated bill entry, reconciliation, and dashboards
Xero Established
$90/month
$97/month from October 1, 2026
Adds multicurrency, projects, employee expenses, and deeper analytics
Xero has announced US price increases effective October 1, 2026. Prices exclude tax, add-ons, and applicable payment fees. Verify the scheduled Xero price update.
Xero vs Eonebill Feature Comparison
Both products now support AI-assisted invoicing, bank reconciliation, receipt capture, and US contractor tax workflows. The real choice is Xero's accounting depth versus Eonebill's simpler document workflow and ongoing free allowance.
Permanent free plan
Eonebill
30 documents/month across 3 clients
Xero
No ongoing free plan; trial and promotional pricing may be available
Full accounting and accountant workflows
Eonebill
Invoice-first bookkeeping, not a Xero-depth accounting ecosystem
Xero
Accounting ledger, reports, cash flow, tax, and advisor collaboration
Bank reconciliation
Eonebill
Paid plans; Pro supports up to 2 bank connections
Xero
Included on every US plan; automated reconciliation starts on Growing
Receipt and expense capture
Eonebill
AI receipt OCR and expense workflows
Xero
Smart Document Capture on every US plan
W-9 and 1099 workflows
Eonebill
Free generators plus vendor W-9 and 1099 management
Xero
W-9 + 1099 management is listed on every US plan
Contracts, proposals, and e-signatures
Eonebill
Dedicated document and signature workflows
Xero
Native focus is invoices and quotes; broader documents need another workflow
Native mobile app
Eonebill
Responsive web application
Xero
iOS and Android app for invoicing and accounting work
Multicurrency
Eonebill
Create invoices in multiple currencies
Xero
Available on the Established plan
| Feature | Eonebill | Xero |
|---|---|---|
| AI invoice creation | Draft invoices and other business documents from plain language | JAX creates, edits, and sends invoices with plain-language commands |
| Permanent free plan | 30 documents/month across 3 clients | No ongoing free plan; trial and promotional pricing may be available |
| Full accounting and accountant workflows | Invoice-first bookkeeping, not a Xero-depth accounting ecosystem | Accounting ledger, reports, cash flow, tax, and advisor collaboration |
| Bank reconciliation | Paid plans; Pro supports up to 2 bank connections | Included on every US plan; automated reconciliation starts on Growing |
| Receipt and expense capture | AI receipt OCR and expense workflows | Smart Document Capture on every US plan |
| W-9 and 1099 workflows | Free generators plus vendor W-9 and 1099 management | W-9 + 1099 management is listed on every US plan |
| Contracts, proposals, and e-signatures | Dedicated document and signature workflows | Native focus is invoices and quotes; broader documents need another workflow |
| Native mobile app | Responsive web application | iOS and Android app for invoicing and accounting work |
| Multicurrency | Create invoices in multiple currencies | Available on the Established plan |
Which Product Fits Your Workflow?
Choose Eonebill if...
- ✓ Client documents are the main daily workflow
- ✓ You want an ongoing free document allowance
- ✓ Contracts, proposals, and e-signatures matter
- ✓ You prefer invoice-first bookkeeping simplicity
Choose Xero if...
- ✓ A complete accounting ledger is non-negotiable
- ✓ Your accountant collaborates inside the platform
- ✓ Cash-flow reports and tax workflows drive decisions
- ✓ You need a native iOS or Android accounting app
Moving from Xero to Eonebill
Eonebill does not provide a one-click Xero migration. Preserve the accounting record first, then move only the client and document workflows Eonebill will replace.
1
Export the Complete Accounting Record
Before canceling, export the chart of accounts, contacts, invoices, bills, general ledger, fixed assets, and key reports. Xero also recommends preserving yearly balance sheet, profit and loss, trial balance, tax, and bank reconciliation reports.
Read Xero's official data export guidance2
Keep Invoice and Bill CSV Files in Batches
Xero can export invoices and bills as CSV. Its direct transaction export is limited to 500 transactions at a time, so filter larger histories into batches and keep the files as a read-only archive.
Read Xero's invoice and bill export steps3
Import Clients and Verify Active Documents
Prepare compatible contact data for Eonebill's client CSV import, recreate only active documents, and test recipient details, totals, taxes, payment settings, email delivery, signatures, and PDFs before switching workflows.
Xero vs Eonebill FAQ
Is Eonebill a good Xero alternative for freelancers?
Yes when the main job is creating invoices, contracts, proposals, receipts, and related client documents without adopting a full accounting suite. Choose Xero when a complete ledger, deeper reporting, accountant collaboration, and a native mobile app are essential.
How much does Xero cost in the US in 2026?
Xero regular US pricing is currently $25 per month for Early, $55 for Growing, and $90 for Established. Xero has announced increases to $27, $59, and $97 respectively from October 1, 2026. Promotions, taxes, add-ons, and payment fees can change the total.
Does Xero use AI to create invoices?
Yes. JAX is available to Xero subscribers and users, and Xero says it can create, edit, and send invoices using plain-language commands. Eonebill also supports plain-language document drafting, so AI invoicing is not an Eonebill-only advantage.
Does Xero Early still limit invoices?
Yes. Xero currently lists the US Early plan with quotes and 20 invoices plus five bills. Growing and Established do not use that Early-plan 20-invoice limit. Xero notes that the Early limit applies when approving and sending invoices.
Does Xero include W-9 and 1099 management?
Yes. Xero currently lists W-9 + 1099 management on Early, Growing, and Established in the US. Eonebill also provides free W-9 and 1099 generators plus vendor tax workflows, so the choice should be based on the wider accounting and document workflow rather than this feature alone.
Can I automatically migrate from Xero to Eonebill?
No. Eonebill does not provide a one-click Xero migration. Xero supports exporting contacts, invoices, bills, general-ledger data, and reports. Keep complete accounting exports as your archive, import compatible client data into Eonebill, and recreate only active documents after verifying balances and records with your accountant.
Try the Document-First Alternative
Keep Xero when complete accounting depth is essential. Try Eonebill when client documents, contractor workflows, and a permanent free allowance fit better.