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Xero vs Carta Comparison (2026)

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Xero logo

Xero

Carta logo

Carta

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. Automate your invoicing and reporting, get a full picture of your business with up-to-date financial data, and much more.

Carta is an equity management solution that helps investors, public, & private firms manage cap tables, equity plans, investments, and valuations. The platform comes with features such as transfer agent services, portfolio insights, 409A valuations, safekeeping, & equity plan administration.

  • 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

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

937

242

70

93

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

4.2

66

5

4

3

2

1

38

17

4

1

6

  • Value for money
  • Ease of use
  • Features
  • Customer support
65%
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

“Additionally, the mobile app is incredibly convenient for tracking expenses and uploading receipts on the go, and its ability to integrate with over 1,000 third-party apps makes it a highly versatile tool for any business ecosystem.”
Verified reviewer profile picture

Marquita V.

SALES 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

Pros

“It made managing equity information much easier to understand, and I appreciated having everything organized in one place.”
Verified reviewer profile picture

Aleah H.

OSS

“I found it to be a valuable tool for staying informed and organized, and overall I really enjoyed using it.”
Verified reviewer profile picture

Aleah H.

OSS

“The employee experience in Carta is really straightforward (and offers educational resources we love), and the reporting functionality for administrators is very thorough.”
SK

Sarah K.

People Ops Manager

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

“Some of the more advanced reporting features can also feel slightly restrictive compared to other industry-specific solutions, and the cost can add up quickly as you scale and need to integrate more specialized third-party apps”
Verified reviewer profile picture

Marquita V.

SALES MANAGER

“Its functionality can also depend on my Xero subscription, user permissions, country, and the specific features available to my account, which can make the overall experience less consistent.”
Verified reviewer profile picture

Jatin K.

Accountants

Cons

“I have reached out to the "success manager" assigned to our account to refund our money since we cancelled and she just doesn't respond to my emails. ”
CD

Carolyn D.

CEO

“I don't really have a complaint about Carta other than that it's hard to back up”
AE

Ahmed E.

Management Accountant

“They check in periodically to see if they can upsell me to add-on products that aren't useful to our business.”
MH

Moses H.

CEO

  • Vendor responds to reviews
  • Last review4 days ago
  • Vendor responds to reviews
  • Last reviewa month ago

Key features

  • Total features180
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Audit Trail
  • Automated Quoting
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benchmarking
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Bookkeeping Services Integration
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Cap Table 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
  • Compensation Management
  • Compensation Plan Modeling
  • Compliance Management
  • Compliance Tracking
  • 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
  • Data Import/Export
  • Data Security
  • Data Synchronization
  • Data Visualization
  • Deal Management
  • Debt Management
  • Delivery Management
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • Electronic Payments
  • Electronic Signature
  • Email Management
  • Employee Reward Programs
  • Encryption
  • Enterprise Risk Management
  • Estimating
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Modeling
  • Financial Reporting
  • Financial Risk 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
  • Incentive Management
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Investments Tracking
  • Investor Reporting
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • K-1 Reporting
  • Kitting
  • Liquidity Analysis
  • Meeting Management
  • Member Directory
  • Minutes Management
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Online Banking
  • Online Invoicing
  • Online Payments
  • Operational Risk Management
  • Order Management
  • Order Tracking
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Portfolio Management
  • Portfolio Modeling
  • Price/Margin Management
  • Pricing Management
  • Pricing and Cost Calculations
  • Private Equity
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Project Tracking
  • Purchase Order Management
  • Quotes/Estimates
  • Rate of Return Analysis
  • Real-Time Analytics
  • 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
  • Risk Management
  • Role-Based Permissions
  • Sales Reports
  • Sales Tax Management
  • Scenario Planning
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Supplier Management
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timer
  • Trade Tracking
  • Transaction History
  • Transaction Management
  • Trust Accounting
  • Vacation/Leave Tracking
  • Valuation Management
  • Vesting Management
  • Total features53
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Audit Trail
  • Automated Quoting
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benchmarking
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Bookkeeping Services Integration
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Cap Table 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
  • Compensation Management
  • Compensation Plan Modeling
  • Compliance Management
  • Compliance Tracking
  • 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
  • Data Import/Export
  • Data Security
  • Data Synchronization
  • Data Visualization
  • Deal Management
  • Debt Management
  • Delivery Management
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • Electronic Payments
  • Electronic Signature
  • Email Management
  • Employee Reward Programs
  • Encryption
  • Enterprise Risk Management
  • Estimating
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Modeling
  • Financial Reporting
  • Financial Risk 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
  • Incentive Management
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Investments Tracking
  • Investor Reporting
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • K-1 Reporting
  • Kitting
  • Liquidity Analysis
  • Meeting Management
  • Member Directory
  • Minutes Management
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Online Banking
  • Online Invoicing
  • Online Payments
  • Operational Risk Management
  • Order Management
  • Order Tracking
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Portfolio Management
  • Portfolio Modeling
  • Price/Margin Management
  • Pricing Management
  • Pricing and Cost Calculations
  • Private Equity
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Project Tracking
  • Purchase Order Management
  • Quotes/Estimates
  • Rate of Return Analysis
  • Real-Time Analytics
  • 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
  • Risk Management
  • Role-Based Permissions
  • Sales Reports
  • Sales Tax Management
  • Scenario Planning
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Supplier Management
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Timer
  • Trade Tracking
  • Transaction History
  • Transaction Management
  • Trust Accounting
  • Vacation/Leave Tracking
  • Valuation Management
  • Vesting Management

Integrations

  • Total integrations136
  • 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
  • Deel
  • Deputy
  • Dext
  • Dryrun
  • 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
  • Netskope One Platform
  • OnePageCRM
  • Onsight
  • Operations Hub
  • PandaDoc
  • PayPal Payments
  • Payment Evolution
  • Payoneer
  • Pepperi
  • Plooto
  • Podio
  • ProfitSee
  • Proposify
  • QuickBooks Online
  • QuickBooks Online Advanced
  • QuickBooks Time
  • Quoter
  • Quotient
  • Qvinci
  • Qwilr
  • Re-Leased
  • Rippling
  • Rydoo
  • Sage 50 Accounting
  • Sage Accounting
  • SalesSeek
  • Sapaad
  • Satago
  • ServiceM8
  • Shoeboxed
  • Shopify
  • Simple Salon
  • Simpro
  • Solve CRM
  • Spotler CRM
  • Spotlight Reporting
  • Square Payments
  • Square Point of Sale
  • Starshipit
  • Streamtime
  • Stripe Payments
  • Synchroteam
  • Tabology EPOS
  • Tallie
  • Tidy
  • Time Tracker by eBillity
  • TimeCamp
  • Timely
  • Total Synergy
  • Tradify
  • Trigger
  • Unleashed
  • Veeqo
  • WORKetc
  • WooCommerce
  • Workato
  • WorkflowMax
  • XEDI Web EDI
  • Xero
  • ZENOTI
  • Zahara
  • Zapier
  • Zoho Analytics
  • Zoho Books
  • Zoho CRM
  • authorize.net
  • ezyCollect by Sidetrade
  • ezyVet
  • vWorkApp
  • webexpenses
  • Total integrations4
  • 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
  • Deel
  • Deputy
  • Dext
  • Dryrun
  • 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
  • Netskope One Platform
  • OnePageCRM
  • Onsight
  • Operations Hub
  • PandaDoc
  • PayPal Payments
  • Payment Evolution
  • Payoneer
  • Pepperi
  • Plooto
  • Podio
  • ProfitSee
  • Proposify
  • QuickBooks Online
  • QuickBooks Online Advanced
  • QuickBooks Time
  • Quoter
  • Quotient
  • Qvinci
  • Qwilr
  • Re-Leased
  • Rippling
  • Rydoo
  • Sage 50 Accounting
  • Sage Accounting
  • SalesSeek
  • Sapaad
  • Satago
  • ServiceM8
  • Shoeboxed
  • Shopify
  • Simple Salon
  • Simpro
  • Solve CRM
  • Spotler CRM
  • Spotlight Reporting
  • Square Payments
  • Square Point of Sale
  • Starshipit
  • Streamtime
  • Stripe Payments
  • Synchroteam
  • Tabology EPOS
  • Tallie
  • Tidy
  • Time Tracker by eBillity
  • TimeCamp
  • Timely
  • Total Synergy
  • Tradify
  • Trigger
  • Unleashed
  • Veeqo
  • WORKetc
  • WooCommerce
  • Workato
  • WorkflowMax
  • XEDI Web EDI
  • Xero
  • ZENOTI
  • Zahara
  • Zapier
  • Zoho Analytics
  • Zoho Books
  • Zoho CRM
  • authorize.net
  • ezyCollect by Sidetrade
  • ezyVet
  • vWorkApp
  • webexpenses