Business Finance

Xero

Cloud accounting software designed to simplify small business finances and empower growth.

Overview

Xero is a cloud-based accounting software tailored for small businesses, offering automated bookkeeping, invoicing, payroll, and real-time financial insights.

Updated Oct 17, 2026

14 things

What Xero has

Apps

For developers

Programmatic access to the product's data and features for developers. One of 15 Business Finance tools with an API.
A Model Context Protocol server that lets AI tools connect to and act on your data.
A toolkit that lets developers build on the product using their preferred programming language.

Hosting and storage

Online space from the vendor to save your files and work.

Support

Help from the vendor at any hour, every day of the week. One of 10 Business Finance tools with 24/7 support.
Get help from the support team by writing to them via email. One of 16 Business Finance tools with email support.
Real people you can contact when you need help with the tool.
Help moving your existing content and data into the tool from another platform. One of 5 Business Finance tools with migration assistance.

Learning

Earn official badges and certifications to validate your knowledge of the tool.

Pricing

Try the paid product for a limited time before committing to a subscription. One of 13 Business Finance tools with a free trial.

Extras

An online space where users can connect, share tips, and help each other. One of 5 Business Finance tools with community.
A place where users find add-ons, plugins or templates others made for the product.

12 features

Key Features

Connected finances
90% agree Xero helps keep business finances in one place, with invoicing, payroll and payments all working together.¹
Cash flow insights
Real-time insights help you stay on top of cash flow and make confident decisions.
Routine task automation
While you’re doing the things you love, JAX is doing the things you don’t. Routine tasks, real-time insights, and all the boring bits, brilliantly.
Document capture
Smart Document capture pulls bills and receipts straight into Xero, so your records stay lovely and organized.
Payment acceptance
Accept payments via credit card, debit card, or direct debit. Boost on-time payments and save time chasing payments.
Online invoicing
Efficiently manage invoices with Xero's intuitive software. Send invoices, automate reminders, and more from any device.
Bank connections
Access bank data from 21,000+ global institutions in Xero. Save time with bank feeds and reconciliation automation.
Expense claims
Manage spending and submit or reimburse expense claims with Xero’s expense management tools.
Accounts payable
Track and pay bills on time. And get a clear overview of accounts payable and cash flow.
Payroll
Payroll built into Xero. Pay your team and automate filings across all 50 states, with one platform, one login.
Purchase orders
Create and send digital purchase orders with Xero's software, tracking orders and deliveries seamlessly in the cloud.
Accounting reports
Track your finances with accurate accounting reports. And collaborate with your advisor online in real time.

Pros and cons

Pros

Comprehensive cloud-based accounting solution tailored for small businesses.
Strong automation features reduce manual bookkeeping and administrative tasks.
Integrates payroll, invoicing, bank feeds, and expense management in one platform.
Offers AI-powered financial insights and a virtual assistant (JAX) to enhance decision-making.
Supports multi-currency and industry-specific accounting needs.

Cons

Pricing plans may be costly for very small or early-stage businesses.
Some advanced features require higher-tier plans or add-ons.
Learning curve for users new to accounting software.
Limited offline functionality as a cloud-only platform.
Customer support primarily online; some users may prefer more direct phone support.

As of October 2026

Pricing

Paid. Plans start at $27 per month.

Early
$27
per month
Growing
$59
per month
Established
$97
per month

You?

Be the first to rate Xero

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See Xero at work before you try it.

Watch on YouTube

0 questions

Frequently Asked Questions

Community reviews

Write a review

No written reviews yet. Be the first to share your experience.

Community reviews

Write a review

No written reviews yet. Be the first to share your experience.

14 things

What Xero has

Apps

For developers

Programmatic access to the product's data and features for developers. One of 15 Business Finance tools with an API.
A Model Context Protocol server that lets AI tools connect to and act on your data.
A toolkit that lets developers build on the product using their preferred programming language.

Hosting and storage

Online space from the vendor to save your files and work.

Support

Help from the vendor at any hour, every day of the week. One of 10 Business Finance tools with 24/7 support.
Get help from the support team by writing to them via email. One of 16 Business Finance tools with email support.
Real people you can contact when you need help with the tool.
Help moving your existing content and data into the tool from another platform. One of 5 Business Finance tools with migration assistance.

Learning

Earn official badges and certifications to validate your knowledge of the tool.

Pricing

Try the paid product for a limited time before committing to a subscription. One of 13 Business Finance tools with a free trial.

Extras

An online space where users can connect, share tips, and help each other. One of 5 Business Finance tools with community.
A place where users find add-ons, plugins or templates others made for the product.

12 features

Key Features

Connected finances
90% agree Xero helps keep business finances in one place, with invoicing, payroll and payments all working together.¹
Cash flow insights
Real-time insights help you stay on top of cash flow and make confident decisions.
Routine task automation
While you’re doing the things you love, JAX is doing the things you don’t. Routine tasks, real-time insights, and all the boring bits, brilliantly.
Document capture
Smart Document capture pulls bills and receipts straight into Xero, so your records stay lovely and organized.
Payment acceptance
Accept payments via credit card, debit card, or direct debit. Boost on-time payments and save time chasing payments.
Online invoicing
Efficiently manage invoices with Xero's intuitive software. Send invoices, automate reminders, and more from any device.
Bank connections
Access bank data from 21,000+ global institutions in Xero. Save time with bank feeds and reconciliation automation.
Expense claims
Manage spending and submit or reimburse expense claims with Xero’s expense management tools.
Accounts payable
Track and pay bills on time. And get a clear overview of accounts payable and cash flow.
Payroll
Payroll built into Xero. Pay your team and automate filings across all 50 states, with one platform, one login.
Purchase orders
Create and send digital purchase orders with Xero's software, tracking orders and deliveries seamlessly in the cloud.
Accounting reports
Track your finances with accurate accounting reports. And collaborate with your advisor online in real time.

Pros and cons

Pros

Comprehensive cloud-based accounting solution tailored for small businesses.
Strong automation features reduce manual bookkeeping and administrative tasks.
Integrates payroll, invoicing, bank feeds, and expense management in one platform.
Offers AI-powered financial insights and a virtual assistant (JAX) to enhance decision-making.
Supports multi-currency and industry-specific accounting needs.

Cons

Pricing plans may be costly for very small or early-stage businesses.
Some advanced features require higher-tier plans or add-ons.
Learning curve for users new to accounting software.
Limited offline functionality as a cloud-only platform.
Customer support primarily online; some users may prefer more direct phone support.

As of October 2026

Pricing

Paid. Plans start at $27 per month.

Early
$27
per month
Growing
$59
per month
Established
$97
per month

You?

Be the first to rate Xero

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See Xero at work before you try it.

Watch on YouTube

0 questions

Xero

Overview

What Xero has

Apps

For developers

Hosting and storage

Support

Learning

Pricing

Extras

Key Features

Connected finances

Cash flow insights

Routine task automation

Document capture

Payment acceptance

Online invoicing

Bank connections

Expense claims

Accounts payable

Payroll

Purchase orders

Accounting reports

Pros and cons

Pros

Cons

Pricing

Xero pricing plans

Early

Growing

Established

Be the first to rate Xero

Featured Video

Frequently Asked Questions

What Xero has

Apps

For developers

Hosting and storage

Support

Learning

Pricing

Extras

Key Features

Connected finances

Cash flow insights

Routine task automation

Document capture

Payment acceptance

Online invoicing

Bank connections

Expense claims

Accounts payable

Payroll

Purchase orders

Accounting reports

Pros and cons

Pros

Cons

Pricing

Xero pricing plans

Early

Growing

Established

Be the first to rate Xero

Featured Video

Frequently Asked Questions

More in Business Finance

More in Business Finance