Compare→Insta Quotes vs Xero Quotes
HONEST COMPARISON
Insta Quotes vs Xero Quotes
Xero is accounting software for small business and its quotes feature lets you build a quote from a template, send it, have the client accept online and convert it to an invoice in one click. It is a quoting feature inside an accounting ledger rather than a dedicated quoting tool.
Side by side
| Insta Quotes | Xero Quotes | |
|---|---|---|
| Core focus | AI quoting tool (text, voice or a photo to a priced quote) | Accounting platform with a quotes feature |
| AI quoting | ✓ Core feature, included on every plan | Template-based quotes, no AI line-item drafting |
| Speed to a quote | ✓ Under 30 seconds, from text, voice or a photo | Template or copy a previous quote |
| Input | ✓ Typed, voice or a photo of the job | Typed into a quote template |
| Documents | PDF and Word (.doc) export | PDF or a link to the quote online |
| Client acceptance | Change orders the client can accept online | Accept or decline online with comments, five-stage tracking |
| Invoices + payments | Invoices, online deposits and Xero push | ✓ Full invoicing and payments inside the ledger |
| Accounting, GST and BAS | Quotes and invoices; pushes to Xero for the books | ✓ Full accounting, GST tracking and BAS lodgement |
| Pricing | Flat plans from A$29/mo | AU plans: Grow A$78/mo, Comprehensive A$107, Ultimate A$143, AUD incl GST (Ignite price not shown; checked 29 Sep 2026) |
| Australia + New Zealand | Australia and New Zealand, GST-aware (10% / 15%) | Used across AU, NZ and internationally |
| Works together | Pushes invoices to Xero | Receives invoices pushed from Insta Quotes |
Where Xero Quotes is strong
- Quoting sits inside full accounting, so the quote, the invoice, GST and BAS all live in one ledger with no re-keying.
- Quotes are included on every Australian Xero plan at no extra cost, from the Ignite tier up.
- A mature, well-tested flow: online accept or decline with comments, five-stage tracking, one click quote-to-invoice, and payment by card, Apple Pay, Google Pay or direct debit.
Where Insta Quotes fits better
- Xero's quotes are template-based, so you still type or copy every line item. Insta Quotes writes the itemised labour and materials for you from a description, voice note or photo in under 30 seconds.
- They work together rather than being either/or: Insta Quotes pushes invoices straight to Xero, so you can quote in Insta Quotes and keep the books in Xero.
- If you mainly need quoting, Insta Quotes starts at A$29/mo against A$78/mo for Xero Grow, and it handles New Zealand GST at 15% on the same platform.
The honest summary: if you need a full job-management platform, Xero Quotes may suit you better. If you want fast, accurate quotes without the overhead, that is exactly what Insta Quotes is built for.
Frequently asked questions
Is Insta Quotes or Xero Quotes better for quoting in Australia?
Insta Quotes is an AI quoting app for Australian and New Zealand tradies that turns a job description into an itemised, GST-ready quote in under 30 seconds; plans start at $29 AUD a month. Where Xero Quotes is stronger: quoting sits inside full accounting, so the quote, the invoice, GST and BAS all live in one ledger with no re-keying.
Is Insta Quotes a Xero alternative?
No. Xero is accounting software; Insta Quotes is a quoting tool that pushes invoices into Xero. Most tradies use both.
Does Xero have AI quoting?
Xero's quotes are template-based: use the template or copy a previous quote and pull in saved contacts and inventory. It does not draft the line items for you from a job description. Insta Quotes does that from text, a voice note or a photo.
Can I quote in Insta Quotes and invoice in Xero?
Yes. Describe the job, get an itemised quote, and when the client accepts, the invoice pushes to Xero so the books stay in one place.
Xero Quotes features and pricing were researched in 2026 from the sources below and change over time. Confirm current details on Xero Quotes's own site before deciding.