Xero alternatives
24 finance MCP servers from other publishers do the same job as Xero. The closest match comes first, then the best rated, with at most two per publisher.
Estonian e-arveldaja (RIK e-Financials) accounting — invoices, bank import, reports.
No reviews yetlocal · npm351.4k/wkFreeSwiss accounting integration for Bexio. 315 tools: invoices, contacts, projects, account balances
No reviews yetlocal · npm3391/wkFreeBookkeeping, invoices and tax workflows for European businesses, including Polish KPiR and JPK.
No reviews yetgateway-ready5828/wkFreeAccounting knowledge graphs: SEC XBRL filings, QuickBooks ledgers, reports and forecasts over MCP.
No reviews yetgateway-ready29FreeRead a Pay-As-You-Learn tutoring session's itemized tab and close it for an attested invoice.
No reviews yetlocal · npm26582/wkFreeGoverned x402 payment sessions: pay any endpoint with budget, allowlist & per-tx caps, no key.
No reviews yetlocal · npm26590/wkFreeLet AI agents add Yolfi crypto checkout, paylinks, webhooks, and status checks.
No reviews yetgateway-ready17841/wkFreeQuery, edit, and reconcile a hosted Beancount ledger: BQL, reports, files, and bank imports.
No reviews yetgateway-ready300FreeFind and vet x402 payment APIs before your agent pays one: uptime, price, on-chain volume.
No reviews yetgateway-ready2660/wkFreeBudget, payment and audit controls for AI agent API calls and MCP tool calls.
No reviews yetgateway-ready11347/wkFreeOpen-source AI accounting skills verified by licensed accountants (tax, VAT, payroll).
No reviews yetgateway-ready411FreePayment layer for AI agents. One MCP, five protocols, thousands of paid APIs your agent can call.
No reviews yetlocal · npm23463/wkFreeInstall, configure, operate and integrate self-hosted PayRam crypto payment gateways.
No reviews yetgateway-ready158FreeSearch hotels worldwide, compare live room rates, and create booking payment links.
No reviews yetgateway-ready1561/wkFreeOfficial ČNB exchange rates — daily & historical CZK vs EUR, USD, 30+ currencies. For accounting.
No reviews yetgateway-ready650/wkFreeEuropean payment QR — SPAYD (CZ/SK) & EPC/GiroCode (SEPA), plus text/WiFi/vCard. Local, free.
No reviews yetgateway-ready641/wkFreeRead and manage Churnkey cancel flows, retention metrics, and payment recovery
No reviews yetgateway-ready22FreeLive market events, research reports, and 750M+ curated equity datapoints on 2,900+ companies.
No reviews yetgateway-ready20FreeReviews, 14 bounded tax and super worksheets, cited retrieval from your local Markdown. Not advice.
No reviews yetlocal · pypi11.1k/wkFreeAllow, ask, or veto — a policy decision point your agent consults before signing any payment
No reviews yetgateway-ready283/wkFreeAccounting MCP for French LMNP furnished rentals: income, expenses, depreciation, tax return & FEC
No reviews yetgateway-ready15FreeInvestment runtime for AI agents — LLM investment committee, portfolio ledger, decision accounting
No reviews yetlocal · pypi85FreeUsed & imported cars in Portugal: search stock, ISV/IUC tax calc, resale value, contact.
No reviews yetgateway-ready135/wkFreePolish medicines: refunded drug prices, patient co-payment and cheaper substitutes
No reviews yetgateway-ready478/wkFree
Xero alternatives by what you need
Open source Xero alternatives (22)
Published under an open licence such as MIT or Apache-2.0.
E Arveldaja, Bexio, Norman Finance — AI Bookkeeping, Accounting & Taxes, RoboSystems, three.ws Tutor, three.ws Agent Payments, Yolfi Payments MCP, Beancount.io and 14 more below.
Hosted Xero alternatives (17)
Nothing to install: a remote endpoint you add by URL. Also callable through the mcp.market gateway.
Norman Finance — AI Bookkeeping, Accounting & Taxes, RoboSystems, Yolfi Payments MCP, Beancount.io, X402 List, SatGate – Economic Firewall for AI Agents, OpenAccountants, PayRam and 9 more below.
Local Xero alternatives (7)
A package you install and run on your own machine, so your data stays on your computer.
E Arveldaja, Bexio, three.ws Tutor, three.ws Agent Payments, Mpp32, aus-accounting-mcp, openInvest.
Safest Xero alternatives (18)
Graded A: passed every check the scanner runs on the latest release.
Bexio, Norman Finance — AI Bookkeeping, Accounting & Taxes, RoboSystems, three.ws Tutor, Yolfi Payments MCP, Beancount.io, X402 List, SatGate – Economic Firewall for AI Agents and 10 more below.
Xero and its alternatives compared
| Server | Grade | Rating | Licence | Runs | Stars |
|---|---|---|---|---|---|
| Xero(this one) | B82 | No reviews yet | MIT | Local | 271 |
| E Arveldaja | B83 | No reviews yet | Apache-2.0 | Local | 35 |
| Bexio | A89 | No reviews yet | MIT | Local | 33 |
| Norman Finance — AI Bookkeeping, Accounting & Taxes | A98 | No reviews yet | MIT | Hosted | 58 |
| RoboSystems | A97 | No reviews yet | Apache-2.0 | Hosted | 29 |
| three.ws Tutor | A92 | No reviews yet | Apache-2.0 | Local | 265 |
| three.ws Agent Payments | B83 | No reviews yet | Apache-2.0 | Local | 265 |
| Yolfi Payments MCP | A93 | No reviews yet | MIT | Hosted | 178 |
| Beancount.io | A97 | No reviews yet | MIT | Hosted | 300 |
| X402 List | A93 | No reviews yet | MIT | Hosted | 26 |
| SatGate – Economic Firewall for AI Agents | A88 | No reviews yet | Apache-2.0 | Hosted | 11 |
| OpenAccountants | B80 | No reviews yet | AGPL-3.0 | Hosted | 411 |
| Mpp32 | B75 | No reviews yet | MIT | Local | 234 |
| PayRam | B84 | No reviews yet | Not stated | Hosted | 158 |
| Fortrip | A99 | No reviews yet | Apache-2.0 | Hosted | 1 |
| Cnb | A91 | No reviews yet | MIT | Hosted | 6 |
| Payqr | A85 | No reviews yet | MIT | Hosted | 6 |
| Churnkey | A100 | No reviews yet | MIT | Hosted | 22 |
| Flexreport Finance | A97 | No reviews yet | Not stated | Hosted | 20 |
| aus-accounting-mcp | A92 | No reviews yet | MIT | Local | 1 |
| Boundra — Payment Approval Gateway for AI Agents | A93 | No reviews yet | Apache-2.0 | Hosted | 0 |
| OpenLMNP | A88 | No reviews yet | AGPL-3.0 | Hosted | 15 |
| openInvest | A92 | No reviews yet | MIT | Local | 85 |
| Claracarspt | B84 | No reviews yet | MIT | Hosted | 1 |
| Leki | A94 | No reviews yet | MIT | Hosted | 0 |