Blankitt Finance vs Xero
Xero is the UK market leader — mature, well-integrated, and genuinely good. Blankitt is the flat-priced alternative for businesses tired of invoice caps, per-user add-ons and the September price email. Here is the fair version of the choice.
Every Xero claim verified against xero.com's UK pages on 5 July 2026 — including their own 1 September 2026 price-update page. Products move; if something here is out of date, tell us and we'll fix it.
At a glance
The differences that decide it — including the rows where Xero wins.
| What matters | Blankitt Finance | Xero (UK) |
|---|---|---|
| Pricing model | By legal entity — £14/mo covers one business, every feature, unlimited users | Five plans (£7–£65/mo) gated by features, plus per-person and per-user add-ons (July 2026) |
| Price trajectory | Published tiers; no rise since launch | Third September rise announced on xero.com: Ignite £16→£18, Grow £37→£39, Comprehensive £50→£55, Ultimate £65→£70 from 1 Sep 2026 — after Sep 2025's rise |
| Invoices | Unlimited on every tier | Capped at 10/month on Simple and 20/month on Ignite; unlimited from Grow (£37) |
| Expense claims | Included | Excluded on Simple and Ignite; 1 user on Grow, then +£2.50/user/month |
| Projects & time tracking | Included on every tier — projects, budgets, timesheets, hours into invoices | Ultimate only (£65/mo): 10 users included, +£5/additional user |
| Bill & receipt capture | OCR + email-in included, allowance + PAYG | Hubdoc included on all plans; auto-reconcile is +£3.50/mo on Ignite |
| Users | Unlimited on every paid tier — your accountant costs nothing | Unlimited users on the subscription, but expenses/projects/payroll are charged per person |
| Multiple businesses | Entity tiers: Growth £29 covers up to 5 entities with group visibility | One organisation per subscription — and the multi-organisation discount is withdrawn from 1 Sep 2026 (their pricing update page) |
| Fixed assets & capital allowances | HMRC Capital Allowances helper built in — AIA, FYA, main & special pools, CT600 print | Fixed-asset register; no HMRC capital-allowances computation helper |
| Cap table & company registers | Share classes, PSC register, options vesting, SAFEs, dilution — built in | Not offered |
| Trying it | Live demo with real data (no signup) + 14-day trial | No demo in the funnel; 'one month free' checkout captures payment details and auto-renews with a one-month notice period (their signup terms) |
| MTD (VAT + Income Tax) | Included on every tier | Included on every plan — their £7 Simple plan is purpose-built for MTD Income Tax |
Where Xero is a great choice
- You depend on a specific marketplace integration — Xero's app ecosystem is the deepest in UK accounting.
- Your accountant is Xero-certified and you want zero friction with them (their advisor network is enormous).
- You want payroll inside the same subscription as an add-on rather than a sibling product.
- You're a tiny non-VAT sole trader who fits in 10 invoices a month — Xero Simple at £7 undercuts our £14.
- Bank-feed breadth: very long tail of UK institutions supported directly.
Also honestly reported in public reviews (not our claims): recurring frustration with repeated price rises, the 2024 forced plan migration, and support being online-only. Weigh those against the strengths above.
Where Blankitt fits
One price that means one price
£14/mo is the whole product for one business: unlimited invoices, expenses for everyone, projects, bill capture, cap table, capital allowances. Xero's sticker prices grow add-ons the moment real usage starts — expenses per user, payroll per person, projects on the top plan only.
No September ritual
Xero's own pricing-update page announces the second consecutive September rise (Ultimate £59 → £70 in thirteen months, multi-org discount withdrawn). Our tiers are published, flat, and haven't moved — pricing is a promise, not a lever.
Built for more than one company
Second trade, a holding company, a dormant entity — Growth covers five entities for £29/mo with cross-entity visibility, and group consolidation lives in the same product. Xero needs a subscription per organisation, and is removing the discount for exactly that situation.
The unsexy UK depth
The HMRC Capital Allowances helper (AIA, FYA, pools, CT600 print), PSC register, cap table with vesting, statutory-shaped reporting — the things a UK Ltd actually files, not just a pretty dashboard on top of a US-shaped ledger.
Try before any form
Our demo is a fully-loaded company behind a magic link. Xero's UK funnel has no demo — the 'one month free' route goes straight to a checkout that takes payment details and auto-renews. We think you should see software working before it holds your card.
Migration with an undo button
CSV/xlsx import with auto-mapping, a trial-balance health check before anything commits, an all-or-nothing import, and a 14-day rollback window. Switching accounting systems is scary; we engineered the fear out of it.
Fair questions
Is Xero a good product?
Yes — Xero is the UK market leader for good reasons: a huge app ecosystem, wide bank-feed coverage, a vast accountant network, and mature payroll. If you need a specific third-party integration from their marketplace or your accountant insists on it, it's a rational choice. This page exists for the trade-offs: caps, add-ons, and annual price rises.
Is Blankitt cheaper than Xero?
For most VAT-registered small businesses, yes, and the gap widens with usage. Xero's Ignite (£16, rising to £18) caps invoices at 20/month and excludes expense claims; matching Blankitt's everything-included £14 typically means Grow at £37 (rising to £39) plus per-user add-ons. One honest exception: a tiny non-VAT sole trader who only needs MTD Income Tax can pay £7 on Xero Simple — less than our £14 — within its 10-invoice cap.
Does Xero really raise prices every year?
The recent record: September 2024 replaced the old plan lineup, September 2025 raised Grow/Comprehensive/Ultimate by 6–12%, and Xero's own pricing-update page announces further rises from 1 September 2026 (Ignite £18, Grow £39, Comprehensive £55, Ultimate £70) alongside withdrawing the multi-organisation discount. All verifiable on xero.com.
Can I migrate from Xero to Blankitt?
Yes — export from Xero, import via CSV/xlsx with automatic column mapping, run the trial-balance health check, and commit atomically with a 14-day rollback window. A concierge call is available if you'd like a human alongside. Your accountant can be in the account throughout, free, because users are unlimited.
What does Xero have that Blankitt doesn't?
Honestly: a decade-plus of ecosystem. Around a thousand marketplace apps, direct feeds from almost every bank, an enormous certified-advisor network, built-in payroll add-on, and brand recognition your accountant already trusts. If those outweigh flat pricing, unlimited usage, multi-entity structure and UK statutory depth, Xero is the safer pick — and we'd rather tell you that here than after a migration.
Judge it on your own numbers.
Open a fully-loaded demo company, then price your real situation on our pricing page — both take less time than reading a September price email.
Xero is a trademark of Xero Limited. Blankitt is an independent product and is not affiliated with, sponsored by, or endorsed by Xero. Comparison points reflect public information as of 5 July 2026; corrections welcome at [email protected].