RunBiz vs Xero
RunBiz vs Xero: features, pricing, and multi-currency compared
RunBiz is an all-in-one billing platform for SMEs: invoicing, HR, payroll, finance, inventory, POS, and team chat in one subscription, with multi-currency invoicing included from the Pro plan.
Xero is an accounting platform. It has no built-in POS or team chat, native payroll works in only three countries, and multi-currency is restricted to the top-tier Established plan.
RunBiz vs Xero at a glance
Prices are current US list prices in USD, verified against Xero's public pricing pages on 2026-08-03. Xero re-tiers plans and pricing periodically — check xero.com/us/pricing-plans for their current rates.
| RunBiz | Xero | |
|---|---|---|
| Currencies supported | 162 (all ISO 4217 currencies), on every paid plan | 160+ currencies, Established plan only |
| Multi-currency on entry plan? | No — free Starter plan is single-currency (inventory + POS) | No — unavailable on Early ($25/mo) and Growing ($55/mo) at any price |
| Cheapest plan with multi-currency | Pro — $99/mo | Established — $90/mo |
| HR & payroll | Included on Pro and Scale plans | Native payroll only in Australia, New Zealand, and the UK (paid add-on); US and other markets need a separate Gusto subscription |
| Point of sale (POS) | Included on every plan, including free Starter | Not available |
| Inventory management | Included on every plan, including free Starter | Basic tracking on every plan (up to 4,000 items); multi-location tracking needs the US-only Inventory Plus add-on |
| Team chat | Included on every plan | Not available |
| Starting price | Free (Starter); $99/mo (Pro) for invoicing + full modules | $25/mo (Early, no multi-currency) |
Where RunBiz is different
HR, payroll, POS, inventory, and team chat run in the same $99/mo plan as invoicing — not spread across Xero's most expensive tier and a separate Gusto subscription. Multi-currency is included at that same price, not reserved for Established ($90/mo).
Where Xero is different
Xero is a deeper standalone accounting product: unlimited users on every plan, bank-feed reconciliation, project tracking, and a large accountant ecosystem RunBiz doesn't try to replace. If your core need is formal bookkeeping in AU, NZ, or the UK and you don't need HR, POS, or team chat, Xero may be a better fit.
Frequently asked questions
RunBiz bundles invoicing with HR, payroll, finance, inventory, POS, and team chat in one subscription. Xero is accounting-focused: it has no built-in POS or team chat, and native payroll only works in Australia, New Zealand, and the UK. RunBiz also supports all 162 ISO 4217 currencies from the Pro plan, while Xero limits multi-currency to its top-tier Established plan.
Yes, on every paid plan. Each invoice stores its own currency and exchange rate, and converts automatically to your business's base currency. All 162 ISO 4217 currencies are supported starting on the Pro plan ($99/mo) — there's no separate tier just for multi-currency.
Only the Established plan ($90/mo). Early ($25/mo) and Growing ($55/mo) cannot invoice or hold bank accounts in a foreign currency at any price — you must upgrade to Established.
Xero's native payroll only works in Australia, New Zealand, and the UK, sold as a paid add-on. Everywhere else, including the US, Xero relies on a separate Gusto subscription for payroll. Xero has no built-in point-of-sale or team chat.
Yes. RunBiz Pro ($99/mo) includes multi-currency invoicing, payroll, POS, inventory, and team chat. Xero's cheapest multi-currency plan, Established, is $90/mo and still doesn't include POS, team chat, or payroll outside AU/NZ/UK.
RunBiz doesn't yet offer automated Xero migration. Most businesses switching over start a fresh RunBiz workspace, re-enter open invoices and current inventory, and go live within a day — our support team can help during onboarding.