# FreeAgent API vs Xero API + MCP (slim)

> Xero API + MCP has a score of 67.4 (B) against FreeAgent API's 57.6 (C). Both do accounting ledger. The largest gap is schema & documentation, 29 points. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/freeagent-vs-xero.md (~1,500 tokens) · this version ~330 tokens · JSON https://www.anchorterminal.com/compare/freeagent-vs-xero.json · canonical https://www.anchorterminal.com/compare/freeagent-vs-xero
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-05

Xero API + MCP has a score of 67.4 (B) against FreeAgent API's 57.6 (C). Both do accounting ledger. The largest gap is schema & documentation, 29 points.

- FreeAgent API: C 57.6, rank #291 of 452 · https://www.anchorterminal.com/tools/freeagent.min.md
- Xero API + MCP: B 67.4, rank #143 of 452 · https://www.anchorterminal.com/tools/xero.min.md
- Pick FreeAgent API for reliability (+17). Pick Xero API + MCP for schema & documentation (+29), agent ergonomics (+20), security & auth (+20), payments & pricing (+5), maintenance & community (+16).

| Category | FreeAgent API | Xero API + MCP |
| --- | --- | --- |
| Reliability (16%) | 85 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 50 | 79 |
| Agent ergonomics (13%) | 55 | 75 |
| Security & auth (14%) | 44 | 64 |
| Payments & pricing (10%) | 30 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 60 | 76 |
| Transparency & trust (7%) | 78 | 75 |