How Ledger compares
More features. Lower price. All data in New Zealand.
| Feature | Ledger | Xero | MYOB |
|---|---|---|---|
| Personal accounting | Free forever | - | - |
| Starting price | $5/mo | $35/mo | $26/mo |
| Full-featured plan | $35/mo | $125/mo | $110/mo* |
| Per-user pricing | No | Add-ons only | No |
| API access | All plans | Paid | Paid |
| Utility billing | - | - | |
| Inventory & COGS | Add-on | ||
| Time tracking → Invoicing | Add-on | Plus+ plans | |
| Cryptographic audit trail | - | - | |
| Fixed asset depreciation | Manual | ||
| Multi-currency | Comprehensive+ | Premier only | |
| GST returns | |||
| Bank reconciliation | |||
| Data sovereignty (NZ) | New Zealand | US/AU/NZ | AU/NZ |
| Credit notes & allocations | |||
| Expense claims | Varies | ||
| Budgeting | |||
| White-label branding | - | - |
*MYOB pricing changes take effect 1 May 2026. All prices exclude GST.
Why switch to Ledger?
Built for New Zealand, not bolted on
Xero was founded in New Zealand but is now headquartered in Australia. MYOB has always been Australian. Both serve NZ as a secondary market. Ledger is built here and your data stays here. GST, IRD filing, and NZ business conventions are first-class, not an afterthought.
Features they charge extra for, we include
API access, multi-currency, project tracking, and advanced inventory are available on every paid plan. No premium tiers needed to unlock basic functionality.
No per-seat pricing
Invite your whole team - bookkeepers, accountants, managers - without worrying about the bill going up with each person. Pricing is based on usage, not headcount.
API-first architecture
Every feature in Ledger is available through the API. Build integrations, automate workflows, and connect your systems without waiting for marketplace plugins.
See for yourself
Start with a free Personal account. Upgrade when you're ready.
Coming Soon