| Feature | FIRMA | Xero |
|---|---|---|
| Multi-entity consolidation | Native — unlimited entities, one login | Separate Xero org per entity + manual export |
| Intercompany elimination | Auto-eliminates both legs at close | Manual reversing journal per entity |
| Consolidated P&L | Real-time across all entities, one click | Rebuild in Excel every month |
| Approval-first AI review | Every AI-drafted entry is human-approved | AI features add-on, no approval gate |
| Global tax + payroll add-ons | US-first; expanding | Deep global tax + payroll ecosystem |
| Third-party app marketplace | Curated integrations | 1000+ apps in Xero App Store |
| Migration support | Included in trial with reconciliation gate | Self-service or paid partner |
| Per-entity monthly cost at 6 entities | One subscription covers all entities | Xero Growing plan × 6 files |
The bottom line
Xero is a great choice for one business, especially outside the US. If you operate multiple LLCs and want one login, one consolidated P&L, and native intercompany elimination — Xero requires one org per entity plus manual Excel work. FIRMA does it in one product.