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Act! vs Xero: 2026 Comparison

Act! Xero
Overview A long-standing CRM and marketing automation platform trusted by small and midsize businesses for over 35 years. A cloud-based accounting platform popular with small businesses and their accountants with beautiful invoicing and bank feeds.
Pricing Subscription ($30-$50/user/month) Subscription ($15-$78/month)
Key Features
  • Contact management
  • Opportunity tracking
  • Marketing automation
  • Custom dashboards
  • Mobile access
  • Integration
  • emarketing
  • Calendar management
  • Bank reconciliation
  • Invoicing
  • Bill pay
  • Expense claims
  • Project tracking
  • Multi-currency
  • Payroll
  • Reporting
Pros
  • Long track record
  • On-premise option
  • Good for small businesses
  • Established user base
  • Clean interface
  • Great bank feeds
  • Good for accountants
  • Multi-currency built-in
Cons
  • Interface feels dated
  • Limited modern integrations
  • Marketing features are basic
  • Mobile app is limited
  • Limited users on lower plans
  • US payroll via Gusto
  • Inventory basic
  • Learning curve for non-accountants