Xendoo Review & Best Alternatives in 2025

Xendoo has earned attention from small and mid-sized businesses by offering a simple promise: stress-free bookkeeping with CPA oversight at a flat monthly rate. For founders who want predictable pricing and a hands-off approach to accounting, that model can be appealing. Everything — from reconciliations to basic reports — happens online, giving business owners a clear picture of their finances without needing to manage the details themselves. 

However, if your needs extend beyond basic bookkeeping, it's worth exploring the wider market of Xendoo alternatives.

Xendoo Accounting Review 

For many small and mid-sized businesses, the appeal of Xendoo is in its simplicity: clear pricing, a dedicated bookkeeping team, and fast delivery of financial reports. 

Xendoo booking and accounting tool 

It’s not trying to be everything, but for companies with straightforward needs, it covers the essentials well by offering: 

• Dedicated Bookkeeper: Every plan includes a team that handles reconciliations weekly and provides clear monthly financial statements.

• Quick Turnaround: P&L and balance sheets are typically delivered by the fifth business day of the month.

• Catch-Up Bookkeeping: For businesses that have fallen behind, Xendoo offers specialized services to bring books current.

• Tax Filing: For $1,200/year, Xendoo prepares and files federal and state returns, with sales tax compliance included.

• Integrations: Works with QuickBooks, Xero, Gusto for payroll, and major ecommerce platforms, making it easy to plug into existing workflows.

• Mobile Access: A functional app lets business owners check reports, dashboards, and updates on the go.

• Guarantee: A 30-day money-back guarantee reduces the risk for new customers.

For SMBs with straightforward finances, these features can provide peace of mind, especially when tax season rolls around.

For businesses with straightforward finances, these features can offer peace of mind when tax season comes around. As a business grows, its financial needs often change, too. And that's when Xendoo can start being less helpful than before.  

When Xendoo Isn’t the Right Fit for Every Business

If you’re exploring Xendoo, it’s helpful to understand certain limitations for your business. This context can make it easier to compare features, pricing, and overall fit alongside other accounting solutions.

No Free Trial

Xendoo doesn’t currently provide a free trial period. Instead, you can schedule a demo or review customer feedback to understand how the service works before committing.

Limited Accounting Methods

The Essential plan only supports cash-basis accounting. Businesses that need accrual-based reporting (common for those with inventory or contracts) must upgrade to higher-priced tiers.

Missing Invoicing and Bill Pay

Xendoo doesn’t handle invoicing or bill payments. That means business owners need extra tools or manual work, which can add friction and increase the risk of errors.

Extra Costs for Payroll and Taxes

Payroll isn’t built in, and tax filing comes at an additional $1,200/year. Combined with required integrations like Gusto, overall costs can rise quickly.

Not Built for Complex Needs

For businesses with advanced requirements, like custom charts of accounts, 1099 reporting, or detailed accrual schedules, Xendoo may feel too limited, pushing founders toward more robust platforms.

Higher Pricing Than Competitors

Plans start at $395/month and can reach up to $995/month depending on business size and service level. For smaller startups or solopreneurs with monthly expenses under $50K, this pricing may feel high compared to other bookkeeping solutions in the market. 

Let’s look at a few of the leading alternatives to Xendoo that founders often consider when evaluating bookkeeping and accounting support.

4 Xendoo Alternatives for Small Businesses in 2025

Different businesses need different levels of financial support. While Xendoo works well for teams that want straightforward bookkeeping with CPA oversight, others may need more flexibility, deeper advisory support, or pricing that scales with growth.

Below, we’ve compiled a list of Xendoo alternatives to help you compare features, pricing, and fit so you can find the right platform for your bookkeeping needs.

1. Haven: A Full-Stack Finance Partner

If you’ve outgrown the basics or are tired of juggling multiple tools for bookkeeping, taxes, and credits, Haven is built to take that load off. Trusted by 500+ startups, agencies, and founders, it combines automation with a dedicated team of CPAs. 

What Haven Offers: 

• Bookkeeping: Weekly reconciliations, monthly close, and CPA oversight so your numbers are always accurate.

• Business & Founder Taxes: Federal, state, and personal filings all handled in one place.

• R&D Tax Credits: From eligibility to filing, Haven helps unlock tax savings that often go unclaimed.

• Real Support: No tickets or long delays. You get connected to our team via Slack and get quick responses. 

• Startup-Native Approach: Built for the realities of agencies, e-commerce, and venture-backed teams.

The real difference with Haven is speed and depth. Instead of waiting until the 25th of the month for last month’s books, you get financials closed fast and questions answered in minutes. For founders making daily decisions about hiring, burn, or runway, that speed changes everything.

Bookkeeping, business taxes, founder taxes, and R&D credits are handled under one roof. That means fewer vendors to manage and fewer surprise invoices.

For 500+ founders — from design studios to venture-backed startups — that mix of speed, simplicity, and savings is why Haven has become their long-term finance partner.

Book a free strategy call with Haven to see how much time, stress, and taxes you could save by partnering with us. 

2. Pilot: Bookkeeping and CFO Services for Startups

Pilot is designed for growth-oriented businesses as it offers monthly books, tax filings, and even CFO-level advisory. It’s particularly popular with venture-backed companies preparing for fundraising or exits.

Pilot bookkeeping and accounting dashboard 

What Pilot Offers: 

• Bookkeeping: Accrual-based accounting, reconciliations, and investor-ready monthly reports.

• Tax Services: Compliance, preparation, and filing across federal and multi-state, sold as an add-on.

• CFO Advisory: Strategic insights into cash flow, KPIs, and fundraising prep.

• Integrations: Works with QuickBooks, banks, and payment tools.

• Support: Responsive, professional, and praised for reducing founders’ time on finance.

Pilot is built for scaling startups — the kind that manage multiple entities, raise capital, or need complex accrual accounting. It’s low-touch, efficient, and can replace much of what an in-house finance team would handle.

Pricing is on the higher side, starting around $199/month for bookkeeping when you have only $15,000/month in revenue and rising with taxes and CFO services. Smaller SMBs often find it overkill, especially compared to more affordable tools. 

3. Wave: Easy to Get Started With

Wave has built its reputation as the go-to free option for freelancers, solopreneurs, and businesses that are just starting up, as it offers a free plan. It has optional paid add-ons like payroll or bookkeeping advisors. 

Wave dashboard

What Wave Offers:

• Invoicing & Payments: Unlimited invoices, recurring billing, and payment collection via card or bank transfer (transaction fees apply).

• Expense Tracking: Automated bank feeds and reconciliations to keep income and expenses organized.

• Financial Reports: Standard P&L, balance sheet, and cash flow statements built in.

• Mobile App: Scan receipts, send invoices, and check finances on iOS/Android.

• Multi-Currency & Sales Tax: Track transactions in different currencies and manage basic sales tax.

• Payroll Add-On: Available in the US and Canada (extra monthly fee, plus per-employee charge).

• Wave Advisors (Optional): Paid access to bookkeeping help, coaching, or full-service support.

• Integrations: Works with Stripe, PayPal, Shopify, Etsy, and Zapier for automation.

Wave starts at $0 with the Starter plan, which includes most essentials. For more advanced features, the Pro plan runs $190/year (about $16/month), billed annually, and includes perks like auto-imported bank transactions and reduced payment processing fees.

4. Zeni: AI-Powered Finance Platform

Zeni positions itself as an all-in-one finance department for startups and SMBs, blending AI automation with human oversight. It’s designed for fast-growing businesses that want real-time visibility into their numbers while offloading bookkeeping, taxes, payroll, and even CFO support. Pricing starts at about $449/month, scaling with business complexity.

What Zeni Offers:

• Daily Bookkeeping: AI handles reconciliations and categorization, with CPA review for accuracy.

• Real-Time Dashboard: Always-on insights into burn, cash flow, revenue waterfalls, and KPIs.

• Bill Pay & Invoicing: Same-day ACH payments, reimbursements, and multi-level approvals.

• Taxes & Payroll: End-to-end compliance and filing, with payroll built in.

• Fractional CFO Support: Budgeting, fundraising prep, and strategic advice from experts.

• Banking & Cards: High-yield business accounts with $3M FDIC insurance and cashback credit cards.
  
  
  

Zeni works best for venture-backed startups or SMBs scaling quickly. That said, its higher starting price and reliance on AI make it less appealing for very small businesses with simple needs. 

Choosing the Right Accounting Partner for Your Business

The best choice depends on what you value most — price, speed, communication, or depth of support. Some businesses prefer a hands-on approach and a simple bookkeeping tool they can manage themselves. Others want a dedicated team that handles everything from reconciliations to tax strategy.

What matters most is finding a service that gives you clarity and confidence in your numbers. Look for transparent pricing, consistent communication, and accountants who understand the stage your business is in. The right partner should make financial decisions easier for you. 

That’s the lens we built Haven through. 

It’s not just software you log into or a bookkeeper you email once a month. We're a finance partner that scales with you. Start with bookkeeping, add tax filing, and unlock R&D credits when the time is right. Whatever stage you’re at, the service grows with you.

Talk to our team. A free strategy call is the fastest way to see what Haven could take off your plate and how much time and money you could save by having the right partner in place.