FreeAgent vs Gusto vs Personio vs Xero

FreeAgent+

Starting price

$33/month

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Gusto+

Starting price

$49/month

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Personio+

Starting price

—

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Xero+

Starting price

$25/month

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Attribute	FreeAgent	Gusto	Personio	Xero
Category	Finance & Accounting	HR & Recruiting	HR & Recruiting	Finance & Accounting
Pricing	Free tier	Paid	Paid	Paid
Starting price	$33/month	$49/month	—	✓ $25/month
Free tier	✓ Yes	No	No	No
Free trial	✓ Yes	No	✓ Yes	✓ Yes
Deployment	—	Cloud	—	Cloud
API available	Unknown	Unknown	Unknown	Unknown
Platforms	—	—	—	—
Certifications	—	—	—	✓ 1
Integrations	—	✓ 2	—	—
Company	Founded 2007	Founded 2011	—	Founded 2006
Feature attributes
Sso Saml	— Unknown	— Unknown	— Unknown	— Unknown
Rbac	— Unknown	— Unknown	— Unknown	— Unknown
Mobile App	— Unknown	— Unknown	— Unknown	— Unknown
Webhooks	— Unknown	— Unknown	— Unknown	— Unknown
Data Export	— Unknown	— Unknown	— Unknown	— Unknown
Invoicing	— Unknown	— Unknown	— Unknown	✓ Yes
Expense Tracking	— Unknown	— Unknown	— Unknown	✓ Yes
Bank Reconciliation	— Unknown	— Unknown	— Unknown	✓ Yes
Multi Currency	— Unknown	— Unknown	— Unknown	✓ Yes
Payroll	— Unknown	— Unknown	— Unknown	✓ Yes

Unknown values show as “Unknown”/“—”. Nothing is inferred — see each tool page for sources.