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Xero vs Centage Comparison (2026)
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4.3
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Good recommendations?
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.
Centage delivers modern FP&A software that helps finance teams automate budgeting, forecasting, and reporting—without the complexity of enterprise tools. Built for teams that have outgrown Excel, Centage replaces fragile spreadsheets and version chaos with a faster, more reliable planning process.
- 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
Pricing
User reviews
4.4
3.3K
5
4
3
2
1
1.9K
936
242
69
93
- Value for money
- Ease of use
- Features
- Customer support
77%
would recommend this app4.0
52
5
4
3
2
1
15
25
11
1
0
- Value for money
- Ease of use
- Features
- Customer support
70%
would recommend this appPros
“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
“Reporting functionality of Planning Maestro can sometimes be challenging, as well as knowing which filters to select within revenue and driver applications. ”
LD
Lesley D.
CFO
“Can break down budget lines into as sophisticated detail as desired.”
JB
Jenny B.
Sr. Budget Manager
“Our implementation went very smoothly and our implementation specialist made sure to go above and beyond making sure I understood how to use every tool. ”
LD
Lesley D.
CFO
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.”
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
“It may have been a little more than we needed for our application; longer training needed and fewer stakeholders were able to contribute because of the sophisticated nature of the product.”
MV
Matthew V.
Business Analyst
“We purchased a three year subscription due to the competitive pricing however, when we decided this product was not meeting our needs the company refused to even consider a partial refund, despite the fact we were not able to use the product at all.”
DT
Debra T.
Financial Manager
- Vendor responds to reviews
- Last review5 days ago
- Vendor responds to reviews
- Last review2 years ago
Key features
- Total features180
- "What If" Scenarios
- 401(k) Tracking
- ACH Payment Processing
- API
- Access Controls/Permissions
- Accounting
- Accounting Integration
- Accounts Payable
- Accounts Receivable
- Accrual Accounting
- Activity Dashboard
- Activity Tracking
- Ad hoc Reporting
- Alerts/Notifications
- Approval Process Control
- Approval Workflow
- Asset Accounting
- Asset Lifecycle Management
- Asset Tracking
- Audit Management
- Audit Trail
- Automated Quoting
- Automatic Backup
- Automatic Billing
- Bank Reconciliation
- Benefits Management
- Billing & Invoicing
- Billing Portal
- Bookkeeping Services Integration
- Budgeting/Forecasting
- CPA Firms
- Calendar 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
- Compliance Management
- Consolidation/Roll-Up
- Construction Breakdowns
- Contact Database
- Contact Management
- Contingency Billing
- Contract/License Management
- Cost Tracking
- Credit Card Processing
- Cross Ledger Posting
- Currency Conversion
- Customer Database
- Customer History
- Customer Statements
- Customizable Branding
- Customizable Invoices
- Customizable Reports
- Customizable Templates
- Dashboard
- Dashboard Creation
- Data Import/Export
- Data Integration
- Data Management
- Data Security
- Data Synchronization
- Data Visualization
- Delivery Management
- Direct Deposit
- Discount Management
- Document Management
- Document Storage
- Document Templates
- Drag & Drop
- Due Date Tracking
- Dunning Management
- Duplicate Payment Alert
- Electronic Payments
- Email Management
- Encryption
- Estimating
- Expense Claims
- Expense Management
- Expense Tracking
- Fee Calculation & Posting
- Financial Analysis
- Financial Management
- Financial Reporting
- Fixed Asset Management
- For AEC Industry
- For Accountants
- For CPA Firms
- For Legal Professionals
- For Real Estate
- For Religious Organizations
- For Schools
- For Small Businesses
- Forecasting
- Fraud Detection
- Fund Accounting
- Fund Management
- General Ledger
- Hourly Billing
- Income & Balance Sheet
- Inventory Control
- Inventory Management
- Inventory Optimization
- Inventory Tracking
- Invoice Creation
- Invoice History
- Invoice Management
- Invoice Processing
- Job Costing
- K-1 Reporting
- Key Performance Indicators
- Kitting
- Mobile Access
- Mobile App
- Mobile Payments
- Monitoring
- Multi-Channel Management
- Multi-Company
- Multi-Country
- Multi-Currency
- Multi-Department/Project
- Multi-State
- Online Banking
- Online Invoicing
- Online Payments
- Order Management
- Order Tracking
- Overpayment Processing
- Partial Payments
- Payment Collection
- Payment Processing
- Payroll Management
- Payroll Reporting
- Performance Metrics
- Planning Tools
- Price/Margin Management
- Pricing Management
- Pricing and Cost Calculations
- Product Identification
- Profit/Loss Statement
- Progress Tracking
- Project Accounting
- Project Billing
- Project Management
- Project Tracking
- Projections
- Purchase Order Management
- Quotes/Estimates
- Real-Time Data
- Real-Time Reporting
- Receipt Management
- Receivables Ledger
- Recurring Invoicing
- Recurring/Subscription Billing
- Reimbursement Management
- Reminders
- Remote Access/Control
- Reorder Management
- Reporting & Statistics
- Reporting/Analytics
- Requisition Management
- Retail Inventory Management
- Revenue Recognition
- Sales Reports
- Sales Tax Management
- Scenario Planning
- Search/Filter
- Self Service Portal
- Self-Service Reporting
- Shipping Management
- Sourcing Management
- Spend Management
- Staff Management
- Status Tracking
- Strategic Planning
- Supplier Management
- Task Management
- Tax Calculation
- Tax Compliance
- Tax Management
- Template Management
- Third-Party Integrations
- Time & Expense Tracking
- Time Tracking
- Timer
- Transaction History
- Transaction Management
- Trust Accounting
- Vacation/Leave Tracking
- Version Control
- Visual Analytics
- Workflow Management
- Total features57
- "What If" Scenarios
- 401(k) Tracking
- ACH Payment Processing
- API
- Access Controls/Permissions
- Accounting
- Accounting Integration
- Accounts Payable
- Accounts Receivable
- Accrual Accounting
- Activity Dashboard
- Activity Tracking
- Ad hoc Reporting
- Alerts/Notifications
- Approval Process Control
- Approval Workflow
- Asset Accounting
- Asset Lifecycle Management
- Asset Tracking
- Audit Management
- Audit Trail
- Automated Quoting
- Automatic Backup
- Automatic Billing
- Bank Reconciliation
- Benefits Management
- Billing & Invoicing
- Billing Portal
- Bookkeeping Services Integration
- Budgeting/Forecasting
- CPA Firms
- Calendar 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
- Compliance Management
- Consolidation/Roll-Up
- Construction Breakdowns
- Contact Database
- Contact Management
- Contingency Billing
- Contract/License Management
- Cost Tracking
- Credit Card Processing
- Cross Ledger Posting
- Currency Conversion
- Customer Database
- Customer History
- Customer Statements
- Customizable Branding
- Customizable Invoices
- Customizable Reports
- Customizable Templates
- Dashboard
- Dashboard Creation
- Data Import/Export
- Data Integration
- Data Management
- Data Security
- Data Synchronization
- Data Visualization
- Delivery Management
- Direct Deposit
- Discount Management
- Document Management
- Document Storage
- Document Templates
- Drag & Drop
- Due Date Tracking
- Dunning Management
- Duplicate Payment Alert
- Electronic Payments
- Email Management
- Encryption
- Estimating
- Expense Claims
- Expense Management
- Expense Tracking
- Fee Calculation & Posting
- Financial Analysis
- Financial Management
- Financial Reporting
- Fixed Asset Management
- For AEC Industry
- For Accountants
- For CPA Firms
- For Legal Professionals
- For Real Estate
- For Religious Organizations
- For Schools
- For Small Businesses
- Forecasting
- Fraud Detection
- Fund Accounting
- Fund Management
- General Ledger
- Hourly Billing
- Income & Balance Sheet
- Inventory Control
- Inventory Management
- Inventory Optimization
- Inventory Tracking
- Invoice Creation
- Invoice History
- Invoice Management
- Invoice Processing
- Job Costing
- K-1 Reporting
- Key Performance Indicators
- Kitting
- Mobile Access
- Mobile App
- Mobile Payments
- Monitoring
- Multi-Channel Management
- Multi-Company
- Multi-Country
- Multi-Currency
- Multi-Department/Project
- Multi-State
- Online Banking
- Online Invoicing
- Online Payments
- Order Management
- Order Tracking
- Overpayment Processing
- Partial Payments
- Payment Collection
- Payment Processing
- Payroll Management
- Payroll Reporting
- Performance Metrics
- Planning Tools
- Price/Margin Management
- Pricing Management
- Pricing and Cost Calculations
- Product Identification
- Profit/Loss Statement
- Progress Tracking
- Project Accounting
- Project Billing
- Project Management
- Project Tracking
- Projections
- Purchase Order Management
- Quotes/Estimates
- Real-Time Data
- Real-Time Reporting
- Receipt Management
- Receivables Ledger
- Recurring Invoicing
- Recurring/Subscription Billing
- Reimbursement Management
- Reminders
- Remote Access/Control
- Reorder Management
- Reporting & Statistics
- Reporting/Analytics
- Requisition Management
- Retail Inventory Management
- Revenue Recognition
- Sales Reports
- Sales Tax Management
- Scenario Planning
- Search/Filter
- Self Service Portal
- Self-Service Reporting
- Shipping Management
- Sourcing Management
- Spend Management
- Staff Management
- Status Tracking
- Strategic Planning
- Supplier Management
- Task Management
- Tax Calculation
- Tax Compliance
- Tax Management
- Template Management
- Third-Party Integrations
- Time & Expense Tracking
- Time Tracking
- Timer
- Transaction History
- Transaction Management
- Trust Accounting
- Vacation/Leave Tracking
- Version Control
- Visual Analytics
- Workflow Management
Integrations
- Total integrations136
- Accelo
- Actionstep
- ActiveCollab
- Acuity Scheduling
- Acumatica Cloud ERP
- Administrate Training Management
- Adobe Commerce
- Agile CRM
- ApprovalMax
- AroFlo
- AutoEntry
- BigCommerce
- Blackbaud Financial Edge NXT
- 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 Business Central
- 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 Power BI
- Mindbody
- MinuteDock
- NetSuite
- Netskope One Platform
- OnePageCRM
- Onsight
- Operations Hub
- PandaDoc
- PayPal
- Payment Evolution
- Payoneer
- Pepperi
- Plooto
- Podio
- ProfitSee
- Proposify
- QuickBooks Online
- QuickBooks Online Advanced
- QuickBooks Time
- Quoter
- Quotient
- Qvinci
- Qwilr
- Re-Leased
- Rydoo
- SAP Business One
- SYSPRO
- Sage 50 Accounting
- Sage Accounting
- Sage Intacct
- SalesSeek
- 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
- 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 integrations9
- Accelo
- Actionstep
- ActiveCollab
- Acuity Scheduling
- Acumatica Cloud ERP
- Administrate Training Management
- Adobe Commerce
- Agile CRM
- ApprovalMax
- AroFlo
- AutoEntry
- BigCommerce
- Blackbaud Financial Edge NXT
- 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 Business Central
- 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 Power BI
- Mindbody
- MinuteDock
- NetSuite
- Netskope One Platform
- OnePageCRM
- Onsight
- Operations Hub
- PandaDoc
- PayPal
- Payment Evolution
- Payoneer
- Pepperi
- Plooto
- Podio
- ProfitSee
- Proposify
- QuickBooks Online
- QuickBooks Online Advanced
- QuickBooks Time
- Quoter
- Quotient
- Qvinci
- Qwilr
- Re-Leased
- Rydoo
- SAP Business One
- SYSPRO
- Sage 50 Accounting
- Sage Accounting
- Sage Intacct
- SalesSeek
- 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
- 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
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