# MYOB vs Xero

**Leader by vioscaleAI score:** Xero

| Attribute | MYOB | Xero |
|---|---|---|
| **vioscaleAI score** | 59.6 (73% (medium)) | 74 (74% (medium)) |
| content.faq | `[{"answer":"MYOB is accounting and business management software for sole traders, small businesses, and accountants, offering invoicing, payroll, inventory, tax compliance, and AI-powered features. It is indexed under Accounting Software.","source":"https://www.myob.com/au/insight/topic/pricing-management","question":"What is MYOB?","confidence":0.6},{"answer":"MYOB is a paid product; published pricing starts at $12 per year. It is sold across 6 plans (Solo by MYOB, MYOB Business Lite, MYOB Business Pro and MYOB Business Payroll Only). Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.myob.com","question":"How much does MYOB cost?","confidence":0.6},{"answer":"MYOB supports Windows, macOS, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.myob.com/au/insight/topic/pricing-management","question":"What platforms does MYOB support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for MYOB, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.myob.com/au/insight/topic/pricing-management","question":"Can MYOB be self-hosted?","confidence":0.6},{"answer":"We have confirmed 3 integrations for MYOB, including Squarespace, Amaka and Shopify. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.myob.com/au/insight/topic/pricing-management","question":"What does MYOB integrate with?","confidence":0.6},{"answer":"We have independently confirmed ISO 27001 for MYOB. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as MYOB not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.myob.com/security","question":"What security certifications does MYOB have?","confidence":0.7},{"answer":"MYOB is available in Australia. Its primary market is Australia. The vendor is headquartered in Australia.","source":"https://www.myob.com/au/insight/topic/pricing-management","question":"Where is MYOB available?","confidence":0.75}]` | `[{"answer":"A cloud accounting solution that consolidates invoicing, payroll management, tax compliance, and financial reporting in one place, with AI-assisted automation to minimize manual data entry. It is indexed under Accounting Software.","source":"https://www.xero.com/pricing-plans/standard/","question":"What is Xero?","confidence":0.6},{"answer":"Xero offers a free tier, so you can start without paying. Paid plans start at £18 per month. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.xero.com/pricing-plans/standard/","question":"Is Xero free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Xero. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.xero.com/pricing-plans/standard/","question":"What platforms does Xero support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Xero, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.xero.com/pricing-plans/standard/","question":"Can Xero be self-hosted?","confidence":0.6},{"answer":"We have confirmed 6 integrations for Xero, including Hubdoc, TaxCycle, Countable, Stripe, GoCardless and WhatsApp. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.xero.com/pricing-plans/standard/","question":"What does Xero integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Xero. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Xero not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.xero.com/security","question":"What security certifications does Xero have?","confidence":0.7},{"answer":"Xero is available worldwide. Its primary markets are the United Kingdom and Canada.","source":"https://www.xero.com/pricing-plans/standard/","question":"Where is Xero available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | MYOB is accounting and business management software for sole traders, small businesses, and accountants, offering invoicing, payroll, inventory, tax compliance, and AI-powered features. | A cloud accounting solution that consolidates invoicing, payroll management, tax compliance, and financial reporting in one place, with AI-assisted automation to minimize manual data entry. |
| features.capabilities | `{"inventory":true,"deployment":"cloud","ar_invoicing":true,"tax_compliance":"GST tracking, BAS reporting, payroll with superannuation calculations","accountant_collab":true}` | `{"api_access":"full","bank_feeds":"direct","deployment":"cloud","ar_invoicing":true,"ap_automation":true,"multi_currency":true,"tax_compliance":"VAT, MTD for Income Tax, CIS calculations","payments_capture":true,"accountant_collab":true,"project_accounting":true}` |
| integrations.count | 3 | 1,000 |
| integrations.list | `[{"name":"Squarespace"},{"name":"Amaka"},{"name":"Square","native":true,"direction":"bidirectional"},{"name":"Shopify","native":true,"direction":"bidirectional"}]` | `[{"name":"Hubdoc"},{"name":"TaxCycle"},{"name":"Countable"},{"name":"Stripe"},{"name":"GoCardless"},{"name":"WhatsApp","native":true,"category":"messaging","direction":"outbound"}]` |
| market.availability | `{"hqCountry":"AU","primaryMarkets":["AU"],"availabilityScope":"regional","availableCountries":["AU"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB","CA"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"ios":true,"mac":true,"android":true,"windows":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Solo by MYOB","summary":"$12/year (first 12 months), then $99/year","features":["Banking","Invoicing","Expense tracking","GST tracking","Quotes"],"components":[{"kind":"fixed","amount":12,"period":"year","currency":"USD"}],"description":"All-in-one mobile app for sole traders to manage admin, banking, and payments","contactSales":false},{"free":false,"name":"MYOB Business Lite","description":"For sole traders and small businesses with up to 2 employees","contactSales":false},{"free":false,"name":"MYOB Business Pro","description":"For small to medium businesses with multiple employees","contactSales":false},{"free":false,"name":"MYOB Business Payroll Only","description":"For businesses needing standalone payroll for up to 4 employees","contactSales":false},{"free":false,"name":"MYOB Business AccountRight Plus","description":"For established businesses needing to fast track pay runs and inventory","contactSales":false},{"free":false,"name":"MYOB Business AccountRight Premier","description":"For complex businesses managing multiple locations, jobs or currencies","contactSales":false}],"summary":"Solo: $12/year first 12 months, then $99/year. Other plans pricing not specified.","currency":"USD","sourceUrl":"https://www.myob.com","retrievedAt":"2026-08-03T12:16:18.987Z","startingPrice":{"amount":12,"period":"month","currency":"USD"},"billingPeriods":["month","year"]}` | `{"type":"subscription","plans":[{"free":false,"name":"Ignite","summary":"£18/month","features":["Send quotes and 20 invoices","Accept online invoice payments","MTD for Income Tax ready","Make online bill and payroll payments","Optional company accounts and tax"],"components":[{"kind":"fixed","amount":18,"period":"month","currency":"GBP"}],"description":"Basic invoicing and payment capabilities","contactSales":false},{"free":false,"name":"Grow","summary":"£39/month","features":["All Ignite features","Send invoices and quotes","Accept online invoice payments","Reconcile transactions","Smart document capture","View real-time reports","Automate bill entry","Submit VAT returns","Forecast cash flow","Customise dashboards","Auto-reconcile"],"components":[{"kind":"fixed","amount":39,"period":"month","currency":"GBP"}],"description":"Includes automation and performance monitoring","contactSales":false},{"free":false,"name":"Comprehensive","summary":"£55/month","components":[{"kind":"fixed","amount":55,"period":"month","currency":"GBP"}],"contactSales":false},{"free":false,"name":"Ultimate","summary":"£70/month","components":[{"kind":"fixed","amount":70,"period":"month","currency":"GBP"}],"contactSales":false}],"addOns":[{"name":"Company accounts and tax","components":[{"kind":"fixed","amount":120,"period":"year","currency":"GBP"}]},{"name":"International bill payments"}],"summary":"From £18/month. First month free.","currency":"GBP","freeTier":true,"sourceUrl":"https://www.xero.com/pricing-plans/standard/","retrievedAt":"2026-09-07T16:02:05.095Z","freeTrialDays":30,"startingPrice":{"amount":18,"period":"month","currency":"GBP"},"billingPeriods":["month"]}` |
| pricing.free_tier | - | yes |
| pricing.model | commercial | freemium |
| pricing.price_level | low | mid |
| pricing.starting_price | - | `{"amount":18,"currency":"GBP"}` |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | yes |
| security.soc2 | - | yes |
| security.trust_center | https://www.myob.com/au/resources/topic/compliance-management | https://www.xero.com/media-releases/new-compliance-workflows-to-make-tax-season-less-taxing/ |

## Capabilities (Accounting Software)

| Capability | MYOB | Xero |
|---|:--:|:--:|
| **Core** |  |  |
| Double-entry GL | - | - |
| Multi-entity | - | - |
| Multi-currency | - | ✓ |
| Bank feeds | - | Direct feeds |
| **Modules** |  |  |
| AP automation | - | ✓ |
| AR / invoicing | ✓ | ✓ |
| Inventory | ✓ | - |
| Fixed assets | - | - |
| Project accounting | - | ✓ |
| **Compliance** |  |  |
| Tax compliance | GST tracking, BAS reporting, payroll with superannuation calculations | VAT, MTD for Income Tax, CIS calculations |
| **Workflow** |  |  |
| Accountant collaboration | ✓ | ✓ |
| **Payments** |  |  |
| Payments capture | - | ✓ |
| **Ecosystem** |  |  |
| API access | - | Full |
| **Deployment** |  |  |
| Deployment | Cloud | Cloud |

*Source: vioscaleAI. Generated 2026-09-21T02:34:54.572Z. "-" = undocumented, not absent.*