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FreeAgent vs SkyStem ART vs Xero vs Zoho Books Comparison

Last updated:

FreeAgent

4.4(203 reviews)

Starting at Contact for pricing

  • Free Trial
  • Freelancers / Consultants
  • Small Business

FreeAgent is an easy accounting software program that helps small teams and individuals do their work better. With its task-based interface, real time data and financial projection dashboard, automation features, cryptoc…

SkyStem ART

Starting at Contact for pricing

  • Free Trial
  • Medium Business
  • Small Business

SkyStem is a cloud-based accounting package that's easy, powerful and sophisticated. It has user-friendly features, including a live dashboard that provides real-time updates for full insight into your business's finance…

Xero

4.2(5,582 reviews)

Starting at $3.75 /month

  • Free Trial
  • Freelancers / Consultants
  • Medium Business

Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform connects all your finances and in…

Zoho Books

4.5(565 reviews)

Starting at Contact for pricing

  • Free Trial
  • Freelancers / Consultants
  • Large Enterprises

Zoho Books is a cloud based online accounting software. It allows you to view, manage and submit your entire business accounting cycle. Easily track your finances with intuitive reports search your transaction history, c…

FreeAgent leads on user satisfaction with a 4.4-star rating across 203 reviews.

SpotSaaS Analysis

FreeAgentSkyStem ARTXero

FreeAgent excels in providing an intuitive, all-in-one accounting solution tailored for small businesses and freelancers, while SkyStem ART focuses on automating the month-end close process for larger organizations. Ideal buyers for FreeAgent are freelancers and small business owners, while SkyStem ART is best suited for mid-sized to large companies needing streamlined financial reporting.

FreeAgent vs SkyStem ART vs Xero vs Zoho Books — at a glance

FeatureFreeAgentSkyStem ARTXeroZoho Books
Rating4.4 / 54.2 / 54.5 / 5
Reviews2035,582565
Starting priceContact for pricingContact for pricing$3.75 /monthContact for pricing
Free trial Yes Yes Yes Yes
Free version No No No No
Best forFreelancers / Consultants, Small BusinessMedium Business, Small BusinessFreelancers / Consultants, Medium Business, Small BusinessFreelancers / Consultants, Large Enterprises, Medium Business
CategoryAccounting SoftwareAccounting SoftwareAccounting SoftwareAccounting Software
Integrations14+ apps
PlatformsSaaS/Web/Cloud, Mobile - Android, Mobile - iOSSaaS/Web/CloudSaaS/Web/Cloud, Mobile - Android, Mobile - iOSSaaS/Web/Cloud, Mobile - Android, Mobile - iOS
APIAvailableAvailableAvailable
Support modesBusiness Hours, OnlineBusiness Hours, Online24/7 (Live rep), OnlineBusiness Hours, Online
CertificationsGDPRSOC 2, GDPR, ISO 27001GDPR
Data residencyGlobalGlobalGlobalGlobal

Key differences between FreeAgent and SkyStem ART

  • Target audience: FreeAgent is built for Freelancers / Consultants and Small Business, while SkyStem ART targets Medium Business and Small Business.
  • Deployment: FreeAgent supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; SkyStem ART supports SaaS/Web/Cloud.

Compare FreeAgent vs SkyStem ART vs Xero vs Zoho Books — and walk away knowing which one fits.

01

Which tool fits your team best

02

Which is actually cheaper for your team size

03

Where each product wins, per real buyers

Most Accounting Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.

FreeAgent
Talk to an expert
Talk to an expert
SkyStem ART
Talk to an expert
Talk to an expert

Biggest differences

Start here before you go deeper into features.

FreeAgent

Best for small businesses needing intuitive, all-in-one accounting with crypto support.

Choose if
  • You are a freelancer or small business owner with 1-50 employees seeking easy bookkeeping.
  • You want a task-based interface with real-time financial data and projection dashboards.
  • You need seamless bank integration and automated invoicing and tax management.
Consider alternatives if
  • Your business is medium to large and requires scalable accounting software solutions.
  • You rely heavily on mobile app functionality and need a highly stable, feature-rich app.

SkyStem ART

Best for

Medium Business, Small Business

Xero

Best for small businesses needing user-friendly, cloud-based accounting with strong support.

Choose if
  • You are a small business or professional services firm with up to 50 employees.
  • You want an intuitive interface with real-time collaboration for multiple users.
  • You value highly responsive and knowledgeable customer support for troubleshooting.
Consider alternatives if
  • You are a large enterprise requiring complex, multi-entity accounting features.
  • You need extensive self-service options for advanced accounting processes without relying on support.

Zoho Books

Best for small to mid-sized businesses needing simple, automated cloud accounting.

Choose if
  • You run a small or medium business with up to 100 employees.
  • You want an intuitive, user-friendly interface for easy accounting management.
  • You need automated workflows to save time on invoicing and bank reconciliation.
Consider alternatives if
  • You are a large enterprise with complex, multi-entity accounting requirements.
  • You require highly customizable or industry-specific accounting workflows.

FreeAgent typically suits Freelancers / Consultants and Small Business. SkyStem ART tends to fit Medium Business and Small Business better. The right choice depends on your team size, workflow, and whether a free trial matters.

Description

FreeAgent is an easy accounting software program that helps small teams and individuals do their work better. With its task-based interface, real time data and financial projection ... Read More about FreeAgent

SkyStem is a cloud-based accounting package that's easy, powerful and sophisticated. It has user-friendly features, including a live dashboard that provides real-time updates for full ... Read More about SkyStem ART

Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform ... Read More about Xero

Zoho Books is a cloud based online accounting software. It allows you to view, manage and submit your entire business accounting cycle. Easily track your finances with intuitive reports ... Read More about Zoho Books

Entry Level Pricing

  • Not Available
  • Not Available
  • Starts from $3.75 , monthly
  • Not Available

Free Trial Availability

Spotsaas Score

What's this? ↗

9.2/10

7.6/10

9.6/10

9.2/10

User Ratings

Based on verified Spotsaas reviews

Best Company Size

1-50 employeesFreelancers and solo entrepreneurs
1-50 employeesSmall Business
1-50 employees51-100 employees
Get pricing help
Get pricing help

Where each option fits best

See where each product is strongest, which teams it fits, and what causes buyers to keep looking — before you commit.

Based on buyer reviews and verified product data collected by Spotsaas.

Strengths

Key strengths

FreeAgent

  • Streamlined Financial Management: FreeAgent simplifies accounting for teams of all sizes, allowing managers and administrators to effortlessly track income, expenses, and cash flow in real-time. You'll appreciate the clarity it brings to your financial landscape.
  • User-Friendly Interface: Designed with usability in mind, FreeAgent offers an intuitive interface that enables users at all levels to navigate easily. Executives will find that this reduces training time and enhances productivity across the board.
  • Robust Reporting Tools: With FreeAgent’s comprehensive reporting features, you can generate detailed insights at the click of a button. This empowers decision-makers to make informed choices based on accurate data, fostering strategic growth.

Xero

  • Streamlined Financial Management: With Xero, you can effortlessly manage your business finances in one place. Users often appreciate the intuitive dashboard that provides a clear overview of cash flow, invoices, and expenses at a glance.
  • Real-Time Collaboration: Xero allows multiple users to access and work on financial data simultaneously. This feature fosters collaboration among teams, ensuring everyone is aligned and up-to-date without the hassle of emailing spreadsheets back and forth.
  • Automated Processes: Say goodbye to tedious manual entries! Xero automates recurring invoicing and bank reconciliation, saving you precious time that you can redirect towards strategic planning and growth initiatives.

Zoho Books

  • Streamlined Financial Management: With Zoho Books, managers can effortlessly track income and expenses, ensuring that financial oversight is both comprehensive and intuitive. This allows you to focus on strategic decision-making rather than getting bogged down in paperwork.
  • Automated Workflows: Executives will appreciate the efficiency of automated workflows that save time and reduce errors. By automating recurring tasks like invoicing and payment reminders, your team can dedicate more time to high-value activities.
  • Real-Time Collaboration: Administrators can easily collaborate with team members and accountants in real-time, fostering a culture of transparency and teamwork. This feature ensures everyone stays on the same page, regardless of location.
Best fit

Best fit

FreeAgent

  • 1 to 50 employees
  • Consulting, Freelance Services, Creative Agencies, and Small Business sectors
  • Freelancers, Small Business Owners, Accountants, and Financial Managers

Xero

  • 1-50 employees
  • Accounting, Retail, Hospitality, Non-Profit, Professional Services
  • Accountants, Bookkeepers, Business Owners, Finance Managers, Operations Managers

Zoho Books

  • 1-100 employees
  • Accounting, E-commerce, Consulting, Retail, Nonprofit, Professional Services
  • Accountants, Finance Managers, Small Business Owners, Bookkeepers, Operations Managers
Watchouts

Reasons buyers look elsewhere

FreeAgent

  • Users may seek alternatives to FreeAgent if they require more advanced project management features, as some alternatives offer integrated tools for task tracking, team collaboration, and resource allocation that enhance workflow efficiency.
  • Businesses operating in specific industries might consider alternatives that offer tailored solutions, such as specialized invoicing or reporting features that better meet their unique accounting and compliance needs.
  • Some users may find FreeAgent’s pricing structure less favorable compared to competitors, particularly if they are looking for more cost-effective options or tiered pricing that aligns with their business size and growth stage.

Xero

  • Users may seek alternatives to Xero due to its pricing structure, especially for small businesses or startups that require budget-friendly accounting solutions without compromising essential features.
  • Some businesses might find Xero’s interface challenging, prompting them to explore options that offer a more intuitive and user-friendly experience for their team members.
  • Companies with specific industry needs might find that Xero lacks certain tailored functionalities, leading them to consider alternatives that provide specialized features for their sector.

Zoho Books

  • Users may seek alternatives to Zoho Books for enhanced customization options, particularly if their business requires specific workflows or features that are not adequately supported by the platform's existing capabilities.
  • Businesses operating in niche markets might explore alternatives to access industry-specific functionalities and integrations that better align with their unique operational needs and regulatory requirements.
  • Some users may find the pricing structure of Zoho Books less competitive compared to other accounting software, prompting them to consider alternatives that offer similar features at a more attractive cost.

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How do FreeAgent, SkyStem ART, Xero and Zoho Books Compare on Features?

Total Features

16 Features

5 Features

17 Features

16 Features

Unique Features

No unique features

No unique features

No unique features

No unique features

Get Quote
Get Quote

Compare FreeAgent, SkyStem ART, Xero and Zoho Books on pricing

Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.

Pricing Option

          Starting From

          • Not Available
          • Not Available
          • $3.75 , monthly
          • Not Available

          Pricing Plans

          • Not Available
          • Not Available
          • Early

            $3.75

            /month

            • Send quotes and up to 20 invoices

            • Accept online invoice payments

            • Enter up to 5 bills

            Show more +

          • Growing

            $8.25

            /month

            • Unlimited invoices and quotes

            • Accept online payments

            • Enter and pay bills

            Show more +

          • Established

            $13.50

            /month

            • All Growing plan features included

            • 180-day cash-flow forecast

            • Advanced performance graphs

            Show more +

          • Not Available

          Pricing Page

          FreeAgent pricing
          SkyStem ART pricing
          Xero pricingZoho Books pricing

          Other Details

          Organization Types supported

          • Individuals
          • Freelancers
          • Medium Business
          • Small Business
          • Large Enterprises
          • Individuals
          • Freelancers
          • Medium Business
          • Small Business
          • Large Enterprises
          • Individuals
          • Freelancers
          • Medium Business
          • Small Business
          • Large Enterprises
          • Individuals
          • Freelancers
          • Medium Business
          • Small Business
          • Large Enterprises

          Platforms Supported

          • Browser Based (Cloud)
          • Mobile - Android
          • Mobile - iOS
          • Installed - Windows
          • Installed - Mac
          • Browser Based (Cloud)
          • Browser Based (Cloud)
          • Mobile - Android
          • Mobile - iOS
          • Installed - Windows
          • Installed - Mac
          • Browser Based (Cloud)
          • Browser Based (Cloud)
          • Mobile - Android
          • Mobile - iOS
          • Installed - Windows
          • Installed - Mac
          • Browser Based (Cloud)
          • Browser Based (Cloud)
          • Mobile - Android
          • Mobile - iOS
          • Installed - Windows
          • Installed - Mac
          • Browser Based (Cloud)

          Modes of support

          • 24/7 (Live rep)
          • Business Hours
          • Online
          • 24/7 (Live rep)
          • Business Hours
          • Online
          • 24/7 (Live rep)
          • Business Hours
          • Online
          • 24/7 (Live rep)
          • Business Hours
          • Online

          API Support

          • Available
          • Not Available
          • Available
          • Available
          Get help choosing
          Get help choosing

          Security & Compliance

          Certifications, data handling, and security controls for IT and compliance evaluators.

          SOC 2

          HIPAA

          ✗ No
          ✗ No

          GDPR

          ✓ Yes

          ISO 27001

          Single Sign-On (SSO)

          ✓ Yes

          Multi-Factor Auth (MFA)

          ✓ Yes

          Data Encryption

          ✓ Yes

          Audit Logs

          Data Residency

          🌐 Global
          🌐 Global

          FreeAgent vs SkyStem ART vs Xero User Reviews & Rating Comparison

          User Ratings

          No reviews available for the product

          Rating Distribution

          40

          5

          5

          0

          1

          No reviews available for this product

          4042

          197

          83

          70

          213

          270

          14

          2

          0

          3

          Spotsaas Editor’s POV generated by AI

          Buyer sentiment

          Users generally praise FreeAgent for its intuitive design and comprehensive features tailored to small businesses, though some express frustration with mobile app performance and scalability.

          What buyers like

          • Ease of use
          • Comprehensive financial management
          • Bank integration

          Common complaints

          • Mobile app limitations
          • Scalability issues

          What buyers like

          • User-friendly dashboard
          • Quick account setup
          • Real-time financial insights

          Common complaints

          • Limited third-party integrations
          • Can be overwhelming for beginners
          • Higher cost for advanced features

          Buyer sentiment

          Overall positive sentiment highlights Xero's ease of use and excellent customer support, though some users note challenges with initial support access and advanced features.

          What buyers like

          • Customer support quality
          • Ease of use
          • Automation of financial tasks

          Common complaints

          • Initial support accessibility
          • Complexity of advanced features for new users

          Buyer sentiment

          Users generally express high satisfaction with Zoho Books for its ease of use, automation, and collaborative features, though some note limitations for larger or more complex organizations.

          What buyers like

          • Ease of use
          • Automation
          • Collaboration

          Common complaints

          • Limited advanced features
          • Pricing transparency

          Pros and Cons

          • Highly intuitive and easy-to-use interface for non-accountants

          • Comprehensive all-in-one platform covering invoicing, taxation, expense management, and bookkeeping

          • Seamless bank account integration enabling real-time financial tracking

          • Limited scalability for growing or larger enterprises

          • Mobile app has usability issues including small text and occasional crashes

          • Real-time updates provide immediate financial visibility.

          • User-friendly design simplifies accounting tasks.

          • Automation features save time on repetitive tasks.

          • May lack advanced features for larger businesses.

          • Limited integrations with other software.

          • Highly responsive and knowledgeable customer support

          • User-friendly interface with an intuitive dashboard

          • Effective automation of recurring invoicing and bank reconciliation

          • Initial difficulty connecting with support

          • Challenges for new users on specific features like payroll matching and batch payments

          • Intuitive and user-friendly interface for both beginners and professionals

          • Automated workflows that save time and reduce errors

          • Real-time collaboration features enabling transparency and teamwork

          • Limited suitability for very large enterprises with complex accounting needs

          • Potential lack of deep customization for niche industries

          Positive Reviews

          No reviews available for the product

          No reviews available for the product

          No reviews available for the product

          No reviews available for the product

          Integrations

          Integration with other apps

          No Integration information available.

          No Integration information available.

          No Integration information available.

          List of Customers

          Customers

          No Customers information available.

          No Customers information available.

          Coco cubano

          Coco cubano

          Brandography

          Brandography

          Legal consultant

          Legal consultant

          Samteq

          Samteq

          Media and Screenshots

          Screenshots

          No screenshots available.

          Real-time Account Reconciliation Screenshot

          4 Screenshots

          Videos

          video-0

          2 Videos

          video-0

          1 Videos

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          Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].

          Frequently asked questions

          Which is better, FreeAgent or SkyStem ART?
          FreeAgent edges out the other on user ratings (4.4 vs -1.0). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
          Do FreeAgent and SkyStem ART offer a free trial?
          Yes, both FreeAgent and SkyStem ART offer a free trial.
          What is the starting price of FreeAgent vs SkyStem ART?
          FreeAgent starts at Contact for pricing. SkyStem ART starts at Contact for pricing.
          What are the top alternatives to FreeAgent?
          Top alternatives to FreeAgent include Xero, Zoho Books, Quickbooks, Freshbooks, Sage Accounting (Sage One).
          What are the top alternatives to SkyStem ART?
          Top alternatives to SkyStem ART include Xero, Zoho Books, Quickbooks, Freshbooks, Sage Accounting (Sage One).

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