Ramp vs Xero
Ramp and Xero are both finance & accounting — but they differ on pricing, features, and integrations. Ramp offers a free plan, while Xero is paid-only. Ramp has the lower entry price.
At a glance
| Ramp | Xero | |
|---|---|---|
| Category | Finance & Accounting | Finance & Accounting |
| Pricing model | Free | Paid |
| Starting price | Free | From $25/mo |
| Free plan | Yes | No |
| Integrations | 4 | 4 |
Ramp pricing
Ramp
$0
- Corporate cards
- Expense automation
- Bill pay
Ramp Plus
$15/user/mo
- Advanced controls
- Procurement
Xero pricing
Early
$25/mo
- 20 invoices/mo
- Bank reconciliation
Growing
$55/mo
- Unlimited invoices
- Bulk reconcile
Established
$90/mo
- Multi-currency
- Projects
- Expenses
Ramp integrations
- QuickBooks
- Xero
- NetSuite
- Slack
Xero integrations
- Stripe
- HubSpot
- Gusto
- Shopify
Which should you choose?
If budget is your priority, Ramp starts lower. Choose Ramp if you want corporate cards and spend management, or Xero if you need cloud accounting software for growing businesses. Review the full pricing and integrations above, then read each tool's profile for the details.