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Honest comparison

Ovaro vs Xero.

Xero is a powerful cloud accounting platform aimed at small and growing businesses. Ovaro is purpose-built for one-person UK trades and freelancers. Here's the honest comparison.

In one line: Xero is the right tool when you have payroll, inventory or multiple users. Ovaro is the right tool when it's just you — and you want admin to take minutes a week, not hours.

First invoice freeBasic £3.99/moPremium £6.99/moSee plans

Feature-by-feature

Side-by-side.

FeatureOvaroXero
Send an invoice by voiceYesNo
Built for sole traders (no staff)Single focusBuilt for small businesses with employees
MTD for Income Tax 2026Built to HMRC specRecognised
MTD for VATYesYes
Payroll & inventoryNo — not needed by sole tradersYes (add-on / included)
Multi-user accessYou + accountant viewFull multi-user
Time to send first invoice~60 secondsSetup wizard + chart of accounts
Starting UK priceFrom £8/moFrom £16/mo (Ignite, sole-trader plan)

Pricing and features compared in good faith from each provider's public UK pages. Always check the current plan before deciding.

The honest take

Which one is right for you.

Choose Ovaro if

You're a one-person business — trade, consultant, freelancer — who wants the simplest possible MTD-ready workflow and invoices that send themselves.

Choose Xero if

You're scaling past one person, employ staff, run stock, or your accountant requires Xero. Xero earns its keep when the business gets complex.

See it for yourself in 60 seconds.

Your first invoice is included — create it, send it, get paid via Stripe. Then £3.99/mo Basic or £6.99/mo Premium.

Start your first invoice See how Ovaro works →
First invoice freeBasic £3.99/moPremium £6.99/moSee plans

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