Comparison

FIRMA vs Xero

Xero is strong global small-business books. FIRMA is built for owner-operators running 2-20 LLCs who need one consolidated P&L and approval-first AI review.

Start free — no card · 14-day trialMigration guide →
FeatureFIRMAXero
Multi-entity consolidationRoadmap; entity-level books available by tierSeparate Xero org per entity + manual export
Intercompany eliminationAuto-eliminates both legs at closeManual reversing journal per entity
Consolidated P&LReal-time across all entities, one clickRebuild in Excel every month
Approval-first AI reviewEvery AI-drafted entry is human-approvedAI features add-on, no approval gate
Global tax + payroll add-onsUS-first; expandingDeep global tax + payroll ecosystem
Third-party app marketplaceCurated integrations1000+ apps in Xero App Store
Migration supportIncluded in trial with reconciliation gateSelf-service or paid partner
Per-entity monthly cost at 6 entitiesOne subscription covers all entitiesXero Growing plan × 6 files

The bottom line

Xero is a great choice for one business, especially outside the US. FIRMA offers entity-level books for 1, up to 5, or unlimited entities by tier; consolidated P&L and native intercompany elimination remain on the roadmap.

Start with FIRMA

See the product

One command center for every entity you run.

Switch entities, drill into invoices and expenses, and roll everything up to a consolidated picture — without leaving the workspace. Every AI-suggested entry waits for your approval before it posts.

demo.nexusfirma.io / consolidated
Demo data
Group revenue · YTD
$2,009,800
▲ across 6 entities
Operating expenses
$1,263,512
102 expenses
Intercompany eliminated
−$46,328
auto-posted
Group net income
$699,960
35% net margin
Consolidated P&LAll 6 entities
Gross revenue$2,009,800
Intercompany (eliminated)−$46,328
Operating expenses$1,263,512
Group net income$699,960
Intercompany eliminated automatically · Demo data
ActivityApproval-first AI
  • FIRMA AI drafted the June management-fee entry — Home Health to Vantage Capital, $4,992.Awaiting approval
  • You reconciled the May intercompany fees across IT, Media and Home Health.2h ago
  • Invoice INV-IT-2026-0205 sent to Rocky Mountain Dental Group · $8,500.31m ago
  • FIRMA AI flagged bill BSP-2026-0512 from Bridgepoint Staffing as overdue.Awaiting approval
No entry posts without human sign-off · Demo data

Live panel built from the read-only demo at demo.nexusfirma.io. Vantage Capital Partners is an illustrative multi-entity group — synthetic demo data, no real customer, financial, or personal identifiers.

Manage entity-level books from one FIRMA workspace.