Deel vs Xero Comparison 2026
Both cover creator finance. Here is what separates them on price, billing, what you can take with you, and coverage.
At a glance
- Xero starts cheaper, at $25.
- Neither has a free tier.
Side by side
Deel | Xero | |
|---|---|---|
| Starting price (they differ) | From $49 | From $25 |
| Pricing model | Paid subscription | Paid subscription |
| Free tier | No | No |
| Billing | Monthly or annual | Monthly or annual |
| Free trial | Not stated | Not stated |
| API | Not stated | Not stated |
| Data export | Not stated | Not stated |
| Their cut | Not stated | Not stated |
| Runs on | Web | Not stated |
| Covers | Creator Finance, Hiring & Freelancers | Accounting & Tax, Creator Finance |
| Works with |
Shaded rows are where the two answers disagree and both listings have answered. A row where one side has not stated a fact is left plain, because silence is not a difference.
Deel
Hire an editor abroad without a company there
Deel is how a small team pays somebody in a country it has no legal presence in. Contractor agreements are localised, payments go out in the currency the person wants, and Deel will act as the employer of record when a contractor relationship is not the honest description of the work. The prices are per person per month and they climb steeply between products. Most creator businesses need the contractor tier and nothing above it.
Our note
Only the $49 contractor tier makes sense for most creator businesses, and the jump to $325 buys an insurance policy against misclassification rather than any new function. Get an opinion on whether your people are actually contractors before deciding which of those two numbers applies, because Deel's pricing assumes you already know.
Only on this side
- Covers hiring & freelancers
Xero
Accounting a freelancer can run without help
Xero covers the parts of bookkeeping a creator actually meets: invoices, bank reconciliation, expenses and the reports an accountant asks for in January. Nothing in it assumes you have taken an accounting class. There is no free plan, and the cheapest tier stops at twenty invoices a month, which a busy freelancer clears by the third week.
Ratings are the average of reviews readers left. The facts are stated by each tool’s own listing and are not verified by CloutStack. How we make money.