Xero wins on more features overall (3 vs 2, 14 tied). Below is the full feature-by-feature breakdown.
| Feature | Sage Accounting | Xero |
|---|---|---|
| Free plan |
✗ No
30-day trial
|
✗ No
30-day trial only
|
| Entry paid plan |
— Paid add-on
From AU$22/mo
|
— Paid add-on
AU$35/mo Starter, AU$70/mo Standard
|
| Download PDF without signup |
✗ No
|
✗ No
|
| Feature | Sage Accounting | Xero |
|---|---|---|
| Unlimited invoices |
— Limited
|
— Limited
Ignite caps at 20 invoices/month — unlimited requires Grow at AU$78
|
| Custom logo & branding |
✓ Yes
|
✓ Yes
|
| Recurring invoices |
✓ Yes
|
✓ Yes
|
| Email invoices to clients |
✓ Yes
|
✓ Yes
|
| Multi-currency |
✓ Yes
|
— Paid add-on
Premium plan only
|
| Client management |
✓ Yes
|
✓ Yes
|
| Feature | Sage Accounting | Xero |
|---|---|---|
| ATO-compliant GST invoices |
✓ Yes
|
✓ Yes
|
| ABN field built in |
✓ Yes
|
✓ Yes
|
| Australian-focused support |
— Limited
|
✓ Yes
|
| Feature | Sage Accounting | Xero |
|---|---|---|
| Bank reconciliation |
✓ Yes
|
✓ Yes
|
| Expense tracking |
✓ Yes
|
✓ Yes
|
| Payroll |
— Paid add-on
|
— Paid add-on
+AU$10/mo per employee
|
| Inventory tracking |
✗ No
|
✓ Yes
|
| Feature | Sage Accounting | Xero |
|---|---|---|
| Stripe payments |
✓ Yes
|
✓ Yes
|
| Mobile app |
— Limited
|
✓ Yes
|
| Feature | Sage Accounting | Xero |
|---|---|---|
| Setup time |
— Limited
Account signup required
|
✗ No
Days — requires chart of accounts setup
|
Neither tool fits your invoicing-only workflow? Try InvoiceSonic — free for unlimited ATO-compliant tax invoices, no signup required.
Create a free invoice now →Sage Accounting starts at From AU$22/mo; Xero starts at AU$37/mo (Ignite — 20 invoices). Sage Accounting offers 30-day trial. Xero offers 30-day free trial.
For ATO-compliant GST: Sage Accounting = yes, Xero = yes. For native ABN field: Sage Accounting = yes, Xero = yes. If you operate in Australia and either tool falls short here, InvoiceSonic handles both natively — and it's free.
Most freelancers want fast invoicing without paying for full accounting. Between these two, Xero wins more categories overall. But if you're a freelancer who just wants ATO-compliant tax invoices for free, InvoiceSonic is purpose-built for that workflow.
Do not assume a one-click migration. Confirm each product's current export and import formats, then test contacts, opening balances, unpaid invoices, tax codes, attachments and reconciliations before cancelling the old account. Keep statutory records outside both systems.
Both tools include more than invoicing. If invoicing is your only need, a dedicated generator can be faster and more focused than a full accounting subscription.
Yes — InvoiceSonic lets you create and download an invoice without signup. Its account plans have separate limits and pricing, so compare current official plans before deciding.