ฟรีAgent vs Xero (2026): Which Accounting Tool Is Better for ฟรีlancers?
By Alex Chen · นักวิเคราะห์ SaaS · อัพเดท เมษายน 11, 2026 · Based on hands-on testing for UK freelancers
คำตอบใน 30 วินาที
เลือก ฟรีAgentif you're a UK/Ireland freelancer or contractor who wants purpose-built tax filing with Self Assessment and IR35 support — especially if your NatWest/RBS account gives you ฟรีAgent free. เลือก Xeroif you're a growing small ธุรกิจ needing scalable accounting with multi-currency, payroll, and 1,000+ integrations. ฟรีAgent ชนะ 5-3 for freelancers, but Xero's ecosystem is unmatched for growing businesses.
คำตัดสินของเรา
ฟรีAgent
- Built-in Self Assessment tax filing
- IR35 compliance tools included
- ฟรี with NatWest/RBS ธุรกิจ accounts
- Limited multi-currency support
- Smaller integration ecosystem
- Basic payroll for small ทีม only
เจาะลึก: ฟรีAgent full analysis
ฟีเจอร์ ภาพรวม
ฟรีAgent was built from the ground up for UK freelancers and contractors. Its Self Assessment filing walks you through the tax return process step by step, calculating your liability in real time as you enter income and expenses throughout the year. IR35 tools help contractors understand and comply with off-payroll working rules. The แดชบอร์ด shows your tax position clearly — no accounting degree required.
ราคา Breakdown (April 2026)
| Plan | Price | Key ฟีเจอร์ |
|---|---|---|
| Full Plan | £19/เดือน | All features, ไม่จำกัด invoices, SA filing |
| NatWest/RBS | ฟรี | Full plan included with ธุรกิจ banking |
Xero
- 1,000+ การเชื่อมต่อ ecosystem
- Full multi-currency on higher plans
- Unlimited ผู้ใช้ on all plans
- No built-in Self Assessment filing
- Steeper learning curve
- Starter plan จำกัด to 20 invoices
เจาะลึก: Xero full analysis
ฟีเจอร์ ภาพรวม
Xero is the global small ธุรกิจ accounting platform with presence in the UK, Australia, New Zealand, and the US. Its strength is scalability — ไม่จำกัด ผู้ใช้ on all plans, 1,000+ app integrations, and full multi-currency support make it ideal for ธุรกิจ outgrowing พื้นฐาน tools. Bank reconciliation is top-tier with smart rules that learn from your categorization patterns.
ราคา Breakdown (April 2026)
| Plan | Price | Key ฟีเจอร์ |
|---|---|---|
| Starter | £15/เดือน | 20 invoices, 5 bills, bank reconciliation |
| Growing | £33/เดือน | Unlimited invoices and bills |
| Established | £59/เดือน | Multi-currency, expense claims, projects |
Side-by-Side Comparison
| Category | ฟรีAgent | Xero | ผู้ชนะ |
|---|---|---|---|
| Self Assessment | Built-in SA filing for sole traders | Not built in — ต้องการ integration | ✔ ฟรีAgent |
| IR35 Tools | IR35 compliance tools included | Not available | ✔ ฟรีAgent |
| Ease of Use | Purpose-built for non-accountants | More complex, accounting-focused | ✔ ฟรีAgent |
| Multi-currency | Limited support | Full multi-currency on Established | ✔ Xero |
| Payroll | Basic payroll for small teams | Full payroll module available | ✔ Xero |
| การเชื่อมต่อ | 600+ via add-ons | 1,000+ integrations | ✔ Xero |
| Value (ฟรีlancers) | ฟรี with NatWest/RBS banking | Starts £15/เดือน | ✔ ฟรีAgent |
| Support | Email + phone, UK-based team | Email + chat, global team | ✔ ฟรีAgent |
● Xero ชนะ 3 · ● ฟรีAgent ชนะ 5 · Based on 9,000+ user reviews
Which do you use?
ใครควรเลือกอะไร?
→ เลือก ฟรีAgent if:
You're a UK or Ireland freelancer, contractor, or sole trader. You want built-in Self Assessment tax filing and IR35 compliance tools. Many NatWest and RBS ธุรกิจ customers get ฟรีAgent free with their account.
→ เลือก Xero if:
You're a small ธุรกิจ (not just freelancing) with employees or contractors. You need multi-currency support, a richer integration ecosystem, or plan to scale to a larger team. Xero's global presence also makes it better for international businesses.
→ ควรหลีกเลี่ยงทั้งคู่ถ้า:
For US-based freelancers, QuickBooks Self-Employed or FreshBooks are better options. For free accounting, Wave จัดการ พื้นฐาน bookkeeping without any cost.
Best For Different Needs
Also ข้อเสียidered
We evaluated several other tools in this category before focusing on ฟรีAgent vs Xero. Here are the runners-up and why they didn't make our final comparison:
คำถามที่พบบ่อย
ความเห็นบรรณาธิการ
If you're a UK freelancer with a NatWest ธุรกิจ account, this isn't even a debate — ฟรีAgent is literally free and built for exactly your use case. For everyone else, the deciding factor is simple: do you file Self Assessment? ฟรีAgent. Do you have employees and international clients? Xero. I've seen too many sole traders pay £59/เดือน for Xero Established when ฟรีAgent at £19 (or £0) does everything they actually need.
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Our วิธีการวิจัย
We tested ฟรีAgent and Xero with real UK freelancer เวิร์กโฟลว์ — invoicing, expense tracking, bank reconciliation, and Self Assessment filing. We analyzed 9,000+ reviews from G2, Trustpilot, and Capterra. ราคา verified in April 2026.
Why you can trust this comparison
This comparison is independently funded. No vendor paid for placement or influenced our scores. Ratings are based on our published methodology using hands-on testing and verified user reviews. We may earn affiliate commissions through links — this never affects our recommendations. Read our full methodology →
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Related Resources
Data sources: Official ราคา pages, G2.com, Capterra.com. Prices and ratings verified April 2026. We update our top 50 comparisons monthly. Read our methodology
อัพเดทล่าสุด: . ราคา and ฟีเจอร์ are verified weekly via automated tracking.