Tyms vs Xero

The best Xero alternative

Keep the clean, cloud-first feel you like about Xero, and add an AI accountant that does the bookkeeping for you. No invoice caps and no surprise upgrades.

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Tyms vs Xero

A side-by-side look at cost, automation, AI, features, support and how modern each platform feels.

Xero

Tyms

Cost

Starting price

XeroEarly is $27 a month with 20 invoices and 5 bills. Growing $59, Established $97

TymsFree plan. Plus is $20 per seat a month, or $200 a year

Paying as you grow

XeroUnlimited users, but the entry plan caps invoices and bills

TymsPer seat. Each seat adds 1,500 monthly transactions and 5 bank connections

AI included

XeroJAX chat included. Auto-reconciliation needs Growing or above

Tyms150 AI credits with every seat, with no separate AI add-on

Automation

Bank feeds and reconciliation

XeroStrong bank feeds, with auto-reconciliation from Growing

TymsLive bank feeds or any statement upload, matched and reconciled by Adam

Bookkeeping on autopilot

XeroJAX acts when you open it and ask. No scheduled agents

TymsEight AI agents run banking, sales, purchases, inventory and statements on your schedule

AI accountant

XeroJAX answers questions and helps with some tasks

TymsAdam creates, updates and explains your records when you ask in plain words

Receipts and documents

XeroSmart document capture for bills and receipts

TymsUpload or forward receipts, invoices and statements, and Adam records them

Features

Inventory and manufacturing

XeroBasic tracked items. Advanced inventory is a paid add-on

TymsStock, bundles, bills of materials and production orders included

Currencies and structure

XeroMulti-currency only on Established at $97 a month

TymsMulti-currency with live rates, plus branches, departments and projects

Built for accountants

XeroPractice tools for partner firms

TymsClient portfolio, white-label portal and client billing for firms

Support

Customer support

XeroSupport through online cases

TymsLive human support on every paid plan

Getting started

XeroSelf-serve setup with a network of advisors

TymsStart in minutes with guided onboarding, or let our team keep your books for you

Modern platform

Where you can work

XeroWeb and mobile apps

TymsWeb app, WhatsApp chat with Adam, and an email inbox for documents

Developer platform

XeroOpen API and a large app marketplace

TymsOpen REST API, webhooks and OAuth for Zapier, Make and more

Competitor details come from their public pricing pages in October 2026 and are shown in US dollars. Plans and prices change, so check with each provider before you decide.

Why businesses switch from Xero

The reasons we hear most often from teams who move their books to Tyms.

Limits on the entry plan

Xero Early stops at 20 invoices and 5 bills. Tyms has no invoice or bill caps on its paid plan, so you never hit a wall mid-month.

Multi-currency costs extra

On Xero you need the $97 Established plan to work in more than one currency. Tyms includes multi-currency with live exchange rates.

AI that waits to be asked

JAX helps when you open it. Adam's agents run on a schedule, so your bank is reconciled and your invoices are out before you log in.

Accounting that does the work for you

Tyms is full double-entry accounting with an AI accountant built in. Here is what that looks like day to day.

Your books, kept by AI agents

Schedule Adam's agents to sync your bank, raise invoices, record bills and prepare your statements. You review, they do the work.

Eight specialist agents
Runs daily, weekly or monthly
Results only go to your own team

Learn more

Reconciliation that finishes itself

Connect your bank once or upload any statement. Adam categorises every line, matches it to invoices and bills, and flags only what needs you.

Bank feeds across the US, Canada and Africa
Approve in bulk with one click
Bank balance checks built in

Learn more

Get paid without chasing

Send invoices, quotes and recurring invoices with emails Adam writes for you. Reminders go out on time and payments match themselves.

Recurring invoices and quotes
Automatic payment reminders
Customer statements on demand

Learn more

Know your numbers, any time

Financial statements, aging and tax reports update as you work. Ask Adam to build a dashboard or explain a report in plain words.

Balance sheet, profit and loss, and cash flow
Profit by customer, item or project
Dashboards built from a sentence

Learn more

Switch from Xero in an afternoon

No need to start over. Bring what you have and Tyms takes it from there.

Bring your data

Export your contacts, chart of accounts and transactions from Xero as spreadsheets, then import them into Tyms with ready-made templates. Adam reads the files and suggests the right mapping.

Let Adam tidy up

Adam maps your accounts, categorises transactions and flags anything that looks off, so your opening balances are right.

Run on autopilot

Connect your bank, schedule your agents and invite your team or your accountant.

Move your Xero books without starting over

MMC Convert can bring Xero into Tyms in 3 to 4 working days. Conversion is free on Custom and the annual Done for you package.

Migrate to Tyms now

Questions about switching from Xero

Still deciding? Here are straight answers to what people ask us most.

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Yes. Tyms gives you the same core accounting as Xero, including invoicing, bills, bank reconciliation and reports, plus an AI accountant and scheduled agents that keep your books up to date without you.

For most growing businesses, yes. Xero charges $59 to $97 a month for its fuller plans. Tyms has a free plan, and Plus is $20 per seat a month or $200 a year, with multi-currency and inventory included.

Yes. Connect your bank or upload a statement, and Adam categorises each transaction and matches it to your invoices and bills. You can approve everything in bulk.

Export your contacts, accounts and transactions from Xero, then upload them to Tyms using the spreadsheet importer. Adam reads each file and suggests how it maps to your accounts.