LUCA vs Xero
LUCA and Xero are both accounting & finance tools. LUCA is aimed at small businesses and freelancers, while Xero is aimed at small businesses.
LUCA
TÜRMOB-backed web accounting and e-ledger suite for Turkish CPAs
Xero
Cloud accounting popular outside the US
| Pricing | Paid | Paid · $27 |
| Starting price | Not published | $27/mo |
| Free plan | No | No |
| Free trial | — | 30 days |
| Built for | Small businesses, Freelancers | Small businesses |
| Platforms | web | web, ios, android |
| Country | TR · 2005 | NZ · 2006 |
| Rating | — | — |
Choose LUCA if
Turkish mali müşavirler and the small businesses they serve who want ledgers, returns and e-Defter in one TÜRMOB-backed system.
- Built around Turkish tax law and GİB workflows from day one
- Backed by the accountants' professional body, TÜRMOB
- Accountant and client share one system, cutting data re-entry
Look elsewhere if: Business owners wanting a modern, self-serve pre-accounting app (Paraşüt, Logo İşbaşı, BizimHesap).
Choose Xero if
Small businesses outside the US and teams with many users who need books access.
- Unlimited users on all plans
- Excellent reconciliation experience
- Strong in UK, ANZ and international markets
Look elsewhere if: Very small freelancers (Wave, FreshBooks) or Turkish e-invoice compliance (Paraşüt).
LUCA vs Xero pricing
LUCA
- Mali Müşavir Paketi₺8,400/yrUp to 50 clients; ₺8,500 one-time entry fee; incl. 20% VAT
- Luca Net KOBİ (Tek Firma)₺9,600/yr1 company, 2 users; ₺15,000 entry fee; incl. VAT
- Luca Net KOBİ (Standart)₺12,000/yr2 companies, 4 users; ₺16,800 entry fee; incl. VAT
- Luca Koza Standart₺10,500/yr3 companies, 5 users; ₺49,000 entry fee; incl. VAT
Xero
- Early$27/mo20 invoices, 5 bills; 90% off first 6 months until Nov 2 2026
- Growing$59/moUnlimited invoices and bills
- Established$97/moMulti-currency, projects, analytics
LUCA · Key features
- Bulk preparation and one-click GİB filing of VAT, muhtasar and tax returns
- e-Defter files built to GİB technical standards
- Payroll with SGK and income tax incentives by validity date
- Bank statement import and automatic exchange rates from the central bank
- Inflation accounting using TÜİK coefficients
- Luca Net KOBİ with stock, current accounts, e-Fatura and e-Arşiv
Cons
- One-time entry fees on top of annual license fees
- Dated interface compared with Paraşüt or Logo İşbaşı
- No app marketplace; Koza's web service API is a paid add-on
Xero · Key features
- Bank reconciliation with smart matching
- Invoices, quotes and online payments
- Bills, expenses and Hubdoc document capture
- Multi-currency accounting (Established)
- Projects, inventory and fixed assets
- Analytics, short-term cash flow and reporting
Cons
- Early plan limits are tight
- US payroll requires integrations
- Multi-currency only on the top plan
LUCA vs Xero: FAQ
Do LUCA and Xero have a free plan?
LUCA has no free plan. Xero has no free plan, a 30-day free trial.