Navan vs Xero

NAvs

Two Bookkeeping tools side by side: what each does, what it costs and who it suits.

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The verdict Side by side Plans and pricing Who each is for Other options

The verdict

On the data we hold, Navan comes out ahead. Here is why, point by point.

What the data says

Only Navan has a free plan to start on.
Navan starts lower, at $15/mo against $27/mo.
Both have an API and an MCP server, so either works with AI employees.
In our Bookkeeping ranking, Navan places 5 and Xero 1 of 20.

Side by side

Navan and Xero compared
At a glance	NANavan	Xero
Starts at	$15/mo	$27/mo
Free plan	Yes	No
API	Yes	Yes
MCP server	Yes	Yes
Links	Visit	Visit

Plans and pricing

Navan

Business Expenseteams needing automated expense tracking beyond first 5 users$15/mo

Xero

EarlyQuotes and 20 invoices, 5 bills, bank reconciliation, 30 day cash flow forecast. Regular price; 80 percent off for 3 months.$27/mo
GrowingInvoices and bills without the Early limits, 60 day cash flow forecast, performance dashboards. Regular price; 80 percent off for 3 months.$59/mo
EstablishedAdds multiple currencies, KPI analysis, projects and employee expenses, 180 day forecast. Regular price; 80 percent off for 3 months.$97/mo

Prices as the vendors list them. They change often; the final price is on their sites.

Who each is for

Choose Navan if…

We haven't written up who Navan suits yet.

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Choose Xero if…

Small and growing businesses, bookkeepers and accountants that want shared cloud books with bank reconciliation and invoicing, and the option to connect other apps through an API.

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