OCTIS vs QuickBooks Online vs Xero for a US small business
US dollar prices per month, user limits and which plan adds multiple currencies.
Last checked · 3 sources
Otty's short answer
Xero is cheaper at list price: US$27, US$59 and US$97 per month, with no per-user fee, and multi-currency only on the top plan. QuickBooks Online runs US$38, US$85, US$140 and US$340 per month with 1 to 25 users included. Pick Xero for a small team with foreign clients. Pick QuickBooks if your US accountant already uses it.
Side by side
Swipe to see every column
| What matters | OCTISHong Kong company + OCTIS global plan | QuickBooks Online | Xero |
|---|---|---|---|
| Entry plan, regular price | Bookkeeping by OCTIS accountants, 10–30% below your current bill | US$38 per month (Simple Start) | US$27 per month (Early) |
| Mid plan, regular price | 10–30% below your current bill | US$85 (Essentials) | US$59 (Growing) |
| Upper plan, regular price | 10–30% below your current bill | US$140 (Plus) | US$97 (Established) |
| Top plan | 10–30% below your current bill | US$340 (Advanced) | None above US$97 |
| Intro offer | 30-day money-back guarantee, terms apply | 50% off, first 3 months | 80% off, first 3 months |
| Users included | Your whole team | 1, 3, 5 or 25 by plan | No per-user fee |
| Entry plan invoices | Invoices and bills handled for you | Not stated on page | 20 invoices, 5 bills |
| Multi-currency | Multi-currency international account via licensed partners | Not stated on page | Top plan only |
| Free plan | 30-day money-back guarantee, terms apply | Yes, 1 user | No |
| Billing | Lowest Price Guarantee and 30-day money-back guarantee, terms apply | Monthly | Monthly, auto-renews |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if you want accountants to do the bookkeeping and keep company, banking and CRM in the same workspace.
QuickBooks Online
Choose QuickBooks Online if your US accountant or tax preparer already works in it, or you need up to 25 users.
Xero
Choose Xero if you want the lower price, no per-user fee and multi-currency on the top plan.
What the table does not show
Price and users
QuickBooks charges by plan and caps users: 1 on Simple Start, 3 on Essentials, 5 on Plus and 25 on Advanced. Promotional prices are half the regular price for 3 months. Xero lists no per-user licence fee on its US page and an 80% discount for 3 months for new customers. After the intro period Xero is cheaper at every comparable level.
Foreign clients and currencies
Xero's US page shows multiple currencies only on the Established plan at US$97 per month. The QuickBooks pricing page we read does not state currency features by plan, so check them before buying if you invoice in Hong Kong dollars or ringgit. A US LLC owned from Asia often invoices in a few currencies, which makes this row matter.
Where OCTIS fits
These two cover a US company. If you also run a Hong Kong or Malaysian company, those books follow local rules and a different year-end. OCTIS bookkeeping handles the Hong Kong or Malaysian side and can work from statements whatever software the US entity uses. OCTIS does not do US tax filing. Ask about 10–30% off your current bill.
Frequently asked questions
Is Xero cheaper than QuickBooks?
At regular prices, yes. Xero is US$27, US$59 and US$97 per month against QuickBooks at US$38, US$85 and US$140. QuickBooks has a free single-user plan and a US$340 Advanced plan for up to 25 users.
Which is better for a US LLC owned by a non-resident?
Either works. Choose the one your US tax preparer will accept, since they will need your ledger for Form 1120 and Form 5472 if foreign-owned. Xero's no-per-user pricing helps if you add a bookkeeper.
Does Xero offer a free trial in the US?
The Xero page shows an 80% discount for 3 months for new US customers and a one month free button, without trial terms. Confirm the offer at sign-up. Offers change and cover the first organization only.
Can I switch between them later?
Yes. Both export your chart of accounts, customers, and transactions, and accountants migrate between them often. Plan the move at a year-end to keep reports clean.
Sources
Checked on the date above. Links open the provider's or regulator's own page.