Carta vs Xero
A detailed comparison of Carta and Xero in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Carta
Equity management platform for companies and investors
Carta is a financial and accounting service that provides equity management platform for companies and investors. Founded in 2012 and headquartered in San Francisco, California, Carta offers 3 pricing plans. It offers a free tier as well as paid plans starting from $999/month. Key features include Cap table management, 409A valuations, Equity plans, Fund admin. Carta is a popular choice for users looking for quality finance subscriptions.
Xero
Cloud accounting software for small businesses
Xero is a financial and accounting service that provides cloud accounting software for small businesses. Founded in 2006 and headquartered in Wellington, New Zealand, Xero offers 3 pricing plans. Plans start from $13/month. Key features include Bank reconciliation, Invoicing, Payroll, Projects. Xero is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Carta | Xero |
|---|---|---|
| Starting Price | Free | $13/mo |
| Plans Available | 3 | 3 |
| Year Founded | 2012 | 2006 |
| Headquarters | San Francisco, California | Wellington, New Zealand |
| Cap table management | ||
| 409A valuations | ||
| Equity plans | ||
| Fund admin | ||
| Investor portal | ||
| Bank reconciliation | ||
| Invoicing | ||
| Payroll | ||
| Projects | ||
| Expenses | ||
| Multi-currency |
Pricing Comparison
Compare all available plans and pricing tiers
Carta Pricing
Xero Pricing
Frequently Asked Questions
Is Carta or Xero better in 2026?
Both Carta and Xero are excellent finance services. Carta offers Cap table management and 409A valuations, while Xero features Bank reconciliation and Invoicing. The best choice depends on your specific needs and budget.
How much does Carta cost compared to Xero?
Carta starts at $999/month, while Xero starts at $13/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Carta and Xero subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Carta and Xero. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Carta, Xero, or both — track all your subscriptions in one place with smart alerts and analytics.