MARBLES VS XERO

Xero helps you do the books.
Marbles does them for you.

Both are complete cloud accounting platforms for Australian business. The difference is who does the work.

Marbles keeps your ledger current, reconciles transactions, chases invoices, runs payroll and gets your BAS ready. And if you use Claude, you can run Marbles from there too. Every plan costs less than the Xero plan it replaces.

See the comparison ↓ Start free trial
THE DIFFERENCE

Same job. Different worker.

A MONTH ON XERO
·You log in and reconcile the bank feed yourself
·You code each transaction, or set up rules and fix what they miss
·You key in bills and match receipts
·You chase late invoices by hand
·You, or your bookkeeper, prepare the BAS at quarter end
·Xero's assistant answers questions about your data. It doesn't do the work.
A MONTH ON MARBLES
✓Transactions are reconciled and coded for you. "Reconcile yesterday" - Marbles clears what it can and gives you the exceptions.
✓Bills are entered and coded. Approve them and pay suppliers from inside Marbles.
✓Receipts and documents are matched to transactions automatically.
✓Late invoices are chased automatically until paid.
✓Books stay BAS-ready. "Close August" gives you the short list standing between you and a closed month.
✓Tell Marbles what you need done - in the app, or from Claude.
FEATURE FOR FEATURE

Everything Xero does. Plus the doing.

XEROMARBLES
Bank feeds and reconciliationFeeds included. You reconcile, with rules you maintain.Feeds included. Marbles reconciles and codes; you review the exceptions.
Invoices and quotesYes. Reminders you configure.Quotes, invoices, online payments, payment matching, automatic debtor chasing.
Bills and paymentsBill entry and tracking. Payments via add-on.Bill capture, approvals and accounts payable. Pay suppliers and payroll directly from Marbles via Airwallex - or keep paying from your bank; it still reconciles.
Payroll1 person on Grow, 5 on Comprehensive, 10 on Ultimate.2 people on Grow ($59), 5 on Plus ($89). Powered by Employment Hero: 100+ modern awards, STP Phase 2, super, leave - posted to the ledger when each run is finalised.
GST and BASGST tracked. You prepare and lodge.GST tracked on every transaction. Books BAS-ready. You or your agent lodge.
Reporting and forecastingStandard reports. Deeper analytics on higher tiers.P&L, balance sheet, cash flow, management reporting, forecasting and customer analysis.
AIAn assistant that answers questions about your data.AI that does the work, not just Q&A. Full MCP interface: Claude can reconcile, create invoices and bills, run reports, make payments and run payroll - read and write.
MigrationImport tools. Mostly on you.Connect your Xero organisation and Marbles brings the data across automatically. Free, on every plan.
Free planNone - from $38/month.Free plan: 20 invoices/month, 1 bank feed, AI-suggested coding, GST tracking, core reports.
DataHosted in Xero's global regions.Hosted in Australia, AWS Sydney. ISO 27001 certified.
THE ANNUAL PRICE RISE

Same software.
78% more expensive.

In 2016 the Xero plan most growing Australian businesses needed cost $60 a month. Today the equivalent plan is $107 - a 78% increase. The product didn't change 78%. Bank feeds got a bit smarter, the dashboards got a bit prettier, and the invoice got a lot bigger.

Marbles has a Free plan that stays free, and paid plans that undercut Xero at every tier. Read why we built it →

XERO STANDARD PLAN · AUSTRALIA
Xero Standard/Comprehensive advertised Australian monthly price, 2016 vs 2026. Marbles Starter, $29/mo + GST, unlimited usage.
PLAN FOR PLAN

Cheaper at every tier. Free at the bottom.

Each Marbles plan lines up against the Xero plan it replaces - and comes in under it.

FREE$0
20 invoices/month, 1 bank feed, AI-suggested coding, GST tracking, core reports
Xero Ignite: $38/mo
STARTER$29
Everything in Free, unlimited. Bills, receipts, document capture. No payroll.
Xero Ignite: $38/mo
GROW$59
Everything in Starter + payroll for 2 (super, STP), 60 day cashflow forecast, dashboards
Xero Grow: $78/mo
PLUS$89
Payroll for 5, multiple currencies, expense claims, 180 day forecast, KPIs and benchmarking
Xero Ultimate: $143/mo

Marbles prices + GST. Free 14 day trial on paid plans, then 75% off for 3 months. Xero prices are Xero's standard advertised Australian monthly prices as at September 2026.

LEAVING XERO

Migrate from Xero in 15 minutes.

Connect your Xero organisation and Marbles brings the data across automatically - read only, your Xero file untouched. Your Marbles ledger starts where Xero finished.

Then cancel Xero and stop paying twice.

WHAT COMES ACROSS
Chart of accountsContactsCustomers and suppliersInvoicesBillsOpening balancesGST informationHistorical transactionsBank account informationAccounting records

Stop doing bank recs

Free plan, free Xero migration, and every paid plan cheaper than the Xero one it replaces. What do you have to lose?

Start free trial →