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Xero vs Adaptive from Workday Comparison (2026)

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Good recommendations?

Xero logo

Xero

Adaptive from Workday logo

Adaptive from Workday

Overview

Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Simplify business admin and get a range of financial insights to help you make better decisions for your business.

Workday Adaptive Planning is an enterprise planning software that helps finance create budgets and forecasts with more speed, flexibility, collaboration, and accuracy. With unlimited scenario analysis backed by machine learning, you can quickly answer complex questions and gain real-time insights.

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

No videos yet

Pricing

Starting from

25

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

Empty state illustration for "No pricing info"

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.4

3.3K

5

4

3

2

1

1.9K

936

242

70

93

  • Value for money
  • Ease of use
  • Features
  • Customer support
77%
would recommend this app

4.5

235

5

4

3

2

1

130

90

13

2

0

  • Value for money
  • Ease of use
  • Features
  • Customer support
75%
would recommend this app

Pros

“Its easy-to-use interface, cloud accessibility, and helpful automation features save a lot of time and simplify day-to-day bookkeeping tasks. While there are a few areas that could be improved, Xero has been a reliable and valuable tool for managing business finances.”
RR

Rebecca R.

Production manager

“My overall experience is that the cloud-based system allows users to access their financial information from anywhere, and its integration with many third-party apps makes workflow management much more efficient for reporting and any other tasks.”
NK

Navpreet K.

Manager and CPA

“simplifies daily bookkeeping with intuitive features, real-time bank feeds, and seamless third-party integrations.”
CG

Cecilia G.

Administration

Pros

“We can turn around our financial results so much faster than we previously could, and then use those values to project out a rolling forecast easily once the initial formulas are set up.”
EP

Emily P.

Finance Manager

“It has all of the key integrations making the data reliable and in sync with major accounting systems”
PD

Pat D.

Sr. Director, Finance

“Many benefits within the platform cloud based excellent insights backed by your own data takes away the financial guess work gives hard driven facts”
JG

Julie G.

Finance manger

Cons

“There can also be occasional syncing delays with bank feeds, and certain customization options for reports and invoices feel somewhat limited compared to other accounting software.”
RR

Rebecca R.

Production manager

“Additionally, certain features like multi-currency handling or more advanced integrations, are only available in higher-tier plans, which can make it less cost-effective for growing businesses.”
Verified reviewer profile picture

Rashi B.

Treasury Accountant

“Technically, I understand they can point to the terms of service. But from a business perspective, I genuinely do not understand burning a potential long-term customer relationship over roughly $150 on an inactive account instead of showing some flexibility or goodwill.”
AB

Andrew B.

Owner

Cons

“The only thing I had an issue with was after the update of the workday; there was not a clear enough explanation of how to navigate the apps.”
JM

J'moris M.

Professional Reviewer

“theres too much competition in software options for any company to not offer a free or trial package one can afford.”
AW

April W.

administration

“Still needs work as many AI tools do, and I think that part was probably deployed too soon, tbh.”
CG

Carrie G.

Data Specialist

  • Vendor responds to reviews
  • Last review6 days ago
  • Vendor responds to reviews
  • Last review2 months ago

Key features

  • Total features180
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Analysis
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Lifecycle Management
  • Asset Tracking
  • Audit Trail
  • Automated Quoting
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benchmarking
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Bookkeeping Services Integration
  • Budget Management
  • Budgeting/Forecasting
  • Business Process Control
  • CPA Firms
  • CRM
  • Calendar Management
  • Capacity Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Catalog Management
  • Chart of Accounts
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collaboration Tools
  • Committee Management
  • Competency Management
  • Competitive Analysis
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Correlation Analysis
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Statements
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Dashboard
  • Dashboard Creation
  • Data Connectors
  • Data Discovery
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Synchronization
  • Data Visualization
  • Delivery Management
  • Demand Forecasting
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Donor Management
  • Drag & Drop
  • Due Date Tracking
  • Dues Management
  • Dunning Management
  • Duplicate Payment Alert
  • Dynamic Modeling
  • ERP integration
  • Electronic Payments
  • Email Management
  • Employee Management
  • Encryption
  • Estimating
  • Event Management
  • Exception Reporting
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Consolidation & Close Management
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For AEC Industry
  • For Accountants
  • For CPA Firms
  • For Legal Professionals
  • For Manufacturers
  • For Nonprofits
  • For Real Estate
  • For Religious Organizations
  • For Schools
  • For Small Businesses
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • Fund Management
  • Fundraising Management
  • General Ledger
  • Goal Setting/Tracking
  • Grant Management
  • Graphical Data Presentation
  • Historical Reporting
  • Hourly Billing
  • Idea Management
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Journal Entry Processing
  • K-1 Reporting
  • KPI Monitoring
  • Key Performance Indicators
  • Kitting
  • Marketing Calendar
  • Marketing Reports
  • Member Database
  • Membership Management
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Modeling & Simulation
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-Department/Project
  • Multi-State
  • Multiple Data Sources
  • Multiple Projects
  • OLAP
  • Online Banking
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Tracking
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Management
  • Performance Metrics
  • Planning Tools
  • Predictive Analytics
  • Price/Margin Management
  • Pricing Management
  • Pricing and Cost Calculations
  • Product Identification
  • Profit/Loss Statement
  • Profitability Analysis
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Project Planning
  • Project Tracking
  • Projections
  • Purchase Order Management
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-Time Updates
  • Receipt Management
  • Receivables Ledger
  • Recruitment Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Relational Display
  • Reminders
  • Remote Access/Control
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Reporting/Project Tracking
  • Requisition Management
  • Resource Allocation & Planning
  • Resource Management
  • Resource Scheduling
  • Retail Inventory Management
  • Revenue Recognition
  • Roadmapping
  • Sales Forecasting
  • Sales Reports
  • Sales Tax Management
  • Sales Trend Analysis
  • Scenario Planning
  • Scheduled/Automated Reports
  • Scorecards
  • Search/Filter
  • Self Service Portal
  • Self-Service Reporting
  • Shipping Management
  • Single Page View
  • Single Sign On
  • Skills Tracking
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Statistical Analysis
  • Status Tracking
  • Strategic Planning
  • Succession Management
  • Succession Planning
  • Supplier Management
  • Supply Chain Management
  • Task Management
  • Task Progress Tracking
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third-Party Integration
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timer
  • Transaction History
  • Transaction Management
  • Trend/Problem Indicators
  • Trust Accounting
  • Vacation/Leave Tracking
  • Version Control
  • Visual Analytics
  • Visual Discovery
  • Visualization
  • Volunteer Management
  • Workflow Management
  • Total features134
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Analysis
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Lifecycle Management
  • Asset Tracking
  • Audit Trail
  • Automated Quoting
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benchmarking
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Bookkeeping Services Integration
  • Budget Management
  • Budgeting/Forecasting
  • Business Process Control
  • CPA Firms
  • CRM
  • Calendar Management
  • Capacity Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Catalog Management
  • Chart of Accounts
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collaboration Tools
  • Committee Management
  • Competency Management
  • Competitive Analysis
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Correlation Analysis
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Statements
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Dashboard
  • Dashboard Creation
  • Data Connectors
  • Data Discovery
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Synchronization
  • Data Visualization
  • Delivery Management
  • Demand Forecasting
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Donor Management
  • Drag & Drop
  • Due Date Tracking
  • Dues Management
  • Dunning Management
  • Duplicate Payment Alert
  • Dynamic Modeling
  • ERP integration
  • Electronic Payments
  • Email Management
  • Employee Management
  • Encryption
  • Estimating
  • Event Management
  • Exception Reporting
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Consolidation & Close Management
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For AEC Industry
  • For Accountants
  • For CPA Firms
  • For Legal Professionals
  • For Manufacturers
  • For Nonprofits
  • For Real Estate
  • For Religious Organizations
  • For Schools
  • For Small Businesses
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • Fund Management
  • Fundraising Management
  • General Ledger
  • Goal Setting/Tracking
  • Grant Management
  • Graphical Data Presentation
  • Historical Reporting
  • Hourly Billing
  • Idea Management
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Journal Entry Processing
  • K-1 Reporting
  • KPI Monitoring
  • Key Performance Indicators
  • Kitting
  • Marketing Calendar
  • Marketing Reports
  • Member Database
  • Membership Management
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Modeling & Simulation
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-Department/Project
  • Multi-State
  • Multiple Data Sources
  • Multiple Projects
  • OLAP
  • Online Banking
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Tracking
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Management
  • Performance Metrics
  • Planning Tools
  • Predictive Analytics
  • Price/Margin Management
  • Pricing Management
  • Pricing and Cost Calculations
  • Product Identification
  • Profit/Loss Statement
  • Profitability Analysis
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Project Planning
  • Project Tracking
  • Projections
  • Purchase Order Management
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-Time Updates
  • Receipt Management
  • Receivables Ledger
  • Recruitment Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Relational Display
  • Reminders
  • Remote Access/Control
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Reporting/Project Tracking
  • Requisition Management
  • Resource Allocation & Planning
  • Resource Management
  • Resource Scheduling
  • Retail Inventory Management
  • Revenue Recognition
  • Roadmapping
  • Sales Forecasting
  • Sales Reports
  • Sales Tax Management
  • Sales Trend Analysis
  • Scenario Planning
  • Scheduled/Automated Reports
  • Scorecards
  • Search/Filter
  • Self Service Portal
  • Self-Service Reporting
  • Shipping Management
  • Single Page View
  • Single Sign On
  • Skills Tracking
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Statistical Analysis
  • Status Tracking
  • Strategic Planning
  • Succession Management
  • Succession Planning
  • Supplier Management
  • Supply Chain Management
  • Task Management
  • Task Progress Tracking
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third-Party Integration
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timer
  • Transaction History
  • Transaction Management
  • Trend/Problem Indicators
  • Trust Accounting
  • Vacation/Leave Tracking
  • Version Control
  • Visual Analytics
  • Visual Discovery
  • Visualization
  • Volunteer Management
  • Workflow Management

Integrations

  • Total integrations137
  • Accelo
  • Actionstep
  • ActiveCollab
  • Acuity Scheduling
  • Administrate Training Management
  • Adobe Commerce
  • Agile CRM
  • ApprovalMax
  • AroFlo
  • AutoEntry
  • BigCommerce
  • BlueFolder
  • Buildertrend
  • Capsule
  • Chargebee
  • Chaser
  • Checkfront
  • Chrometa
  • Cin7 Core
  • Cin7 Omni
  • ClicData
  • Clio
  • Constant Contact
  • CreditorWatch Collect
  • Current RMS
  • CustomerSure
  • Cyfe
  • Datamolino
  • Deputy
  • Dext
  • Dryrun
  • Dynamics 365
  • EZRentOut
  • Ecwid
  • Emburse Nexonia
  • Entryless
  • Epos Now
  • Everhour
  • Expensify
  • Exsalerate CRM
  • Fathom
  • Fergus
  • FieldAware
  • Financial Driver
  • Fishbowl
  • Float
  • Float Cash Flow
  • FreshBooks
  • Freshdesk
  • Futrli
  • GoCardless
  • Google Workspace
  • Grow
  • Gusto
  • Harvest
  • Hike
  • Hotelogix
  • Hubdoc
  • Ignition
  • InvoiceSherpa
  • JobAdder
  • Kickserv
  • Klips
  • LivePlan
  • MRPeasy
  • Manu Online
  • Microsoft 365
  • Microsoft Excel
  • Microsoft Power BI
  • Mindbody
  • MinuteDock
  • Netskope One Platform
  • OnePageCRM
  • Onsight
  • Operations Hub
  • Oracle Cloud Financials
  • PandaDoc
  • PayPal
  • Payment Evolution
  • Payoneer
  • Pepperi
  • Plooto
  • Podio
  • ProfitSee
  • Proposify
  • QuickBooks Online
  • QuickBooks Time
  • Quoter
  • Quotient
  • Qvinci
  • Qwilr
  • Re-Leased
  • Rydoo
  • Sage 50 Accounting
  • Sage Accounting
  • Sage Intacct
  • SalesSeek
  • Salesforce Sales Cloud
  • Sapaad
  • Satago
  • ServiceM8
  • Shoeboxed
  • Shopify
  • Simple Salon
  • Simpro
  • Solve CRM
  • Spotler CRM
  • Spotlight Reporting
  • Square Payments
  • Square Point of Sale
  • Starshipit
  • Streamtime
  • Stripe
  • Synchroteam
  • Tabology EPOS
  • Tallie
  • Tidy
  • Time Tracker by eBillity
  • TimeCamp
  • Timely
  • Total Synergy
  • Tradify
  • Trigger
  • Unleashed
  • Veeqo
  • WORKetc
  • WooCommerce
  • Workato
  • WorkflowMax
  • XEDI Web EDI
  • ZENOTI
  • Zahara
  • Zapier
  • Zendesk Sell
  • Zoho Analytics
  • Zoho Books
  • Zoho CRM
  • authorize.net
  • ezyCollect by Sidetrade
  • ezyVet
  • vWorkApp
  • webexpenses
  • Total integrations6
  • Accelo
  • Actionstep
  • ActiveCollab
  • Acuity Scheduling
  • Administrate Training Management
  • Adobe Commerce
  • Agile CRM
  • ApprovalMax
  • AroFlo
  • AutoEntry
  • BigCommerce
  • BlueFolder
  • Buildertrend
  • Capsule
  • Chargebee
  • Chaser
  • Checkfront
  • Chrometa
  • Cin7 Core
  • Cin7 Omni
  • ClicData
  • Clio
  • Constant Contact
  • CreditorWatch Collect
  • Current RMS
  • CustomerSure
  • Cyfe
  • Datamolino
  • Deputy
  • Dext
  • Dryrun
  • Dynamics 365
  • EZRentOut
  • Ecwid
  • Emburse Nexonia
  • Entryless
  • Epos Now
  • Everhour
  • Expensify
  • Exsalerate CRM
  • Fathom
  • Fergus
  • FieldAware
  • Financial Driver
  • Fishbowl
  • Float
  • Float Cash Flow
  • FreshBooks
  • Freshdesk
  • Futrli
  • GoCardless
  • Google Workspace
  • Grow
  • Gusto
  • Harvest
  • Hike
  • Hotelogix
  • Hubdoc
  • Ignition
  • InvoiceSherpa
  • JobAdder
  • Kickserv
  • Klips
  • LivePlan
  • MRPeasy
  • Manu Online
  • Microsoft 365
  • Microsoft Excel
  • Microsoft Power BI
  • Mindbody
  • MinuteDock
  • Netskope One Platform
  • OnePageCRM
  • Onsight
  • Operations Hub
  • Oracle Cloud Financials
  • PandaDoc
  • PayPal
  • Payment Evolution
  • Payoneer
  • Pepperi
  • Plooto
  • Podio
  • ProfitSee
  • Proposify
  • QuickBooks Online
  • QuickBooks Time
  • Quoter
  • Quotient
  • Qvinci
  • Qwilr
  • Re-Leased
  • Rydoo
  • Sage 50 Accounting
  • Sage Accounting
  • Sage Intacct
  • SalesSeek
  • Salesforce Sales Cloud
  • Sapaad
  • Satago
  • ServiceM8
  • Shoeboxed
  • Shopify
  • Simple Salon
  • Simpro
  • Solve CRM
  • Spotler CRM
  • Spotlight Reporting
  • Square Payments
  • Square Point of Sale
  • Starshipit
  • Streamtime
  • Stripe
  • Synchroteam
  • Tabology EPOS
  • Tallie
  • Tidy
  • Time Tracker by eBillity
  • TimeCamp
  • Timely
  • Total Synergy
  • Tradify
  • Trigger
  • Unleashed
  • Veeqo
  • WORKetc
  • WooCommerce
  • Workato
  • WorkflowMax
  • XEDI Web EDI
  • ZENOTI
  • Zahara
  • Zapier
  • Zendesk Sell
  • Zoho Analytics
  • Zoho Books
  • Zoho CRM
  • authorize.net
  • ezyCollect by Sidetrade
  • ezyVet
  • vWorkApp
  • webexpenses