About Xero

Xero is a cloud-based small business accounting software with tools for managing invoicing, bank reconciliation, inventory, purchasing, expenses, bookkeeping and more. Xero is an alternative to QuickBooks. It is a modern, small business accounting software that lives in the cloud. It's accessible from any computer or mobile device, making for a smarter and easier accounting process, with features including cash flow tracking, payment processing, bank reconciliation, expense tracking, inventory management, financial reporting, and more.

The Xero dashboard presents users with a clear and concise overview of their financial situation. It provides small business owners with a greater understanding of their cashflow by highlighting bank balances, outstanding invoices, upcoming bills and expense claims in a visually appealing way. Daily bank and credit card transactions are automatically imported into Xero and matched to their corresponding accounting transaction. Doing bank reconciliation is as easy as confirming the match is corrected and clicking "OK."

Xero integrates with a variety of third-party apps commonly used by small businesses including Stripe, PayPal, Capsule, HubSpot, and more in order to streamline workflows and synchronize data such as sales invoices, client data, cashflow reports, payroll data, and more. Data flows directly into the Xero ledger, removing the time and effort required for manual data entry. Every Xero plan comes with unlimited users, so there's no need to pay for extra licenses. Collaborate with colleagues or invite financial advisors to view data remotely and get valuable real-time advice.

Key benefits of Xero

  • Keep accounting data safe and secure.
  • Access accounts online anytime from anywhere, even on the go using mobile devices (iPhone/iPad/Android) or tablet.
  • Get better visibility on cashflow with real-time data.
  • Reduce the time spent keeping accounts up to date.
  • Software updates are free and available when users log in.
  • Collaborate with the whole team and an accountant. Users decide what each person can see.
  • Seamless accounting and payroll in the US (selected states), UK, Australia and New Zealand.

  • Devices

    Business size

    S M L


    Australia, Brazil, Canada, China, Germany and 5 others, United Kingdom, India, Japan, Mexico, United States

    Supported Languages



    Xero Dashboard
    Xero Payroll
    Xero Reporting
    Xero Invoices
    Xero Assurance Dashboard
    Xero Accounts
    Xero Contacts
    Xero Dashboard
    Xero Mobile
    Xero Profit and Loss Reports
    Xero Payroll
    Xero Summary Report
    Xero Sales Account
    Xero Contacts
    Xero Timesheets, Payslips, and Leave
    Xero Calendar
    View 17 more
    Xero video
    Xero video
    Xero screenshot: Xero Dashboard Xero screenshot: Xero Payroll Xero screenshot: Xero Reporting Xero screenshot: Xero Invoices Xero screenshot: Xero Assurance Dashboard Xero screenshot: Xero Accounts Xero screenshot: Xero Contacts Xero screenshot: Xero Dashboard Xero screenshot: Xero Mobile Xero screenshot: Xero Profit and Loss Reports Xero screenshot: Xero Payroll Xero screenshot: Xero Summary Report Xero screenshot: Xero Sales Account Xero screenshot: Xero Contacts Xero screenshot: Xero Timesheets, Payslips, and Leave Xero screenshot: Xero Calendar


    Total features of Xero: 169

    • "What If" Scenarios
    • 401(k) Tracking
    • ACH Payment Processing
    • API
    • Access Controls/Permissions
    • Accounting
    • Accounts Payable
    • Accounts Receivable
    • Accrual Accounting
    • Activity Dashboard
    • Activity Tracking
    • Ad hoc Reporting
    • Alerts/Notifications
    • Approval Process Control
    • Approval Workflow
    • Asset Accounting
    • Asset Tracking
    • Assignment Management
    • Audit Trail
    • Automated Quoting
    • Automated Scheduling
    • Automatic Backup
    • Automatic Billing
    • Bank Reconciliation
    • Benefits Management
    • Billing & Invoicing
    • Billing Portal
    • Budgeting/Forecasting
    • CPA Firms
    • Calendar Management
    • Case Management
    • Cash Flow Management
    • Cash Management
    • Cataloging/Categorization
    • Charting
    • Check Printing
    • Check Processing
    • Check Writing
    • Client Management
    • Client Portal
    • Collections Management
    • Compliance Management
    • Consolidation/Roll-Up
    • Construction Breakdowns
    • Contact Database
    • Contact Management
    • Contingency Billing
    • Contract/License Management
    • Cost Tracking
    • Credit Card Processing
    • Cross Ledger Posting
    • Currency Conversion
    • Customer Database
    • Customer History
    • Customer Segmentation
    • Customer Statements
    • Customizable Branding
    • Customizable Invoices
    • Customizable Reports
    • Customizable Templates
    • Data Import/Export
    • Depreciation Management
    • Direct Deposit
    • Discount Management
    • Document Management
    • Document Storage
    • Document Templates
    • Drag & Drop
    • Due Date Tracking
    • Dunning Management
    • Duplicate Payment Alert
    • Electronic Payments
    • Email Management
    • Email Templates
    • Expense Claims
    • Expense Management
    • Expense Tracking
    • Fee Calculation & Posting
    • Financial Analysis
    • Financial Management
    • Financial Reporting
    • Fixed Asset Management
    • For CPA Firms
    • For Government
    • Forecasting
    • Fraud Detection
    • Fund Accounting
    • General Ledger
    • Goal Setting / Tracking
    • Hourly Billing
    • Income & Balance Sheet
    • Interaction Tracking
    • Inventory Control
    • Inventory Management
    • Inventory Optimization
    • Inventory Tracking
    • Invoice History
    • Invoice Management
    • Invoice Processing
    • Job Costing
    • Kitting
    • Match & Merge
    • Mobile Access
    • Mobile Payments
    • Monitoring
    • Multi-Channel Management
    • Multi-Company
    • Multi-Country
    • Multi-Currency
    • Multi-State
    • Nonprofits
    • Online Invoicing
    • Online Payments
    • Order Management
    • Order Processing
    • Order Tracking
    • Overpayment Processing
    • Overrun Reporting
    • Partial Payments
    • Payment Processing
    • Payroll Management
    • Payroll Reporting
    • Performance Metrics
    • Price / Margin Management
    • Pricing Management
    • Product Configurator
    • Product Identification
    • Profit/Loss Statement
    • Progress Tracking
    • Project Accounting
    • Project Billing
    • Project Management
    • Purchase Order Management
    • Quotes/Estimates
    • Real Time Data
    • Real Time Reporting
    • Receipt Management
    • Receivables Ledger
    • Recurring/Subscription Billing
    • Reimbursement Management
    • Reorder Management
    • Reporting/Analytics
    • Requisition Management
    • Retail Inventory Management
    • Revenue Recognition
    • Sales Reports
    • Sales Tax Management
    • Search/Filter
    • Self Service Portal
    • Shipping Management
    • Sourcing Management
    • Spend Management
    • Staff Management
    • Status Tracking
    • Stock Management
    • Supplier Management
    • Tax Calculation
    • Tax Compliance
    • Tax Management
    • Template Management
    • Third Party Integrations
    • Time & Expense Tracking
    • Time Tracking
    • Transaction History
    • Vacation/Leave Tracking
    • Vendor Management
    • W-2 Preparation
    • Wage Garnishment
    • Warehouse Management


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    Overall rating

    4,3 /5
    (1 951)
    Value for Money
    Ease of Use
    Customer Support

    Already have Xero?

    Software buyers need your help! Product reviews help the rest of us make great decisions.

    Write a Review!
    Showing 5 reviews of 1 951
    Quratulain H.
    Overall rating
    • Industry: Information Technology & Services
    • Company size: 2-10 Employees
    • Used Weekly for 2+ years
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 10.0 /10

    Best in Multi-currency accounting for SMB

    Reviewed on 2021/02/18

    Xero was the best choice back in 2015 (when no one gave multi-currency) and still is in 2021 (when...

    Xero was the best choice back in 2015 (when no one gave multi-currency) and still is in 2021 (when there are some who do).

    I have now added another company to Xero and cannot imagine shifting to another platform....ever.


    With most clients abroads, we find its best to bill them in their local currency. Luckily for us, Xero is there to help sort our books out and keep them in order. It integrates with many bank feeds & popular wallets/fintechs like PayPal, Payoneer & TransferWise so accounts are upto date - always.

    Another feature we really use is their tracking fields. Xero allows users to setup 2 tracking fields that can be added to invoices, expenses, bills and assigned to each line. This helps us keep track of project based work and has been our way since before Xero ventured into Project based accounting (that users need to pay additional fee for)

    It also integrates with online payment gateways such as PayPal, Stripe, GoCardless, and a few others; thus payments are a breeze for clients.

    As a non-accountant, Xero is easy to use even when you get into all the features it provides.


    They have made some changes to their UI esp where invoices and expenses are concerned. Luckily for older users, expenses are still free however, for new users it isnt and each person filing expenses on it needs to pay a small fee. I think it should be free for a small number of users (atleast 2) and then charged.

    Jenny B.
    Overall rating
    • Industry: Retail
    • Company size: Self Employed
    • Used Weekly for 6-12 months
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 10.0 /10

    Helpful, user friendly and intuitive accounts software

    Reviewed on 2021/02/26

    I was reluctant to pay the extra costs to move to Xero from my previous cheaper package but I am...

    I was reluctant to pay the extra costs to move to Xero from my previous cheaper package but I am more than happy that I finally made the switch. It is a fraction of the cost of having a book-keeper to pay and I feel so much more confident that my accounts are working correctly. The option of additional plugins aid the automation for syncing with software such as woocommerce and amazon, ebay etc. It is a shame that they are additional costs but I would prefer that I had the option to integrate than not, and they are great time savers, which is the biggest help for small business owners.


    Xero has a lot of automated features that make the process of accounts preparation easy and reliable. The bank feeds work smoothly and it is easy to set up rules to make the process automated on regular transactions - just a click to confirm entry. I have been able to integrate woocommerce, amazon and ebay transactions to ensure I am correctly treating VAT and International orders and purchases correctly.


    As with any new accountancy software, there is a bit of technical detail to get your head around but that is probably to be expected. There are good help articles that are useful for the set up phase.

    Ken E.
    Overall rating
    • Industry: Retail
    • Company size: 2-10 Employees
    • Used Daily for 2+ years
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 4.0 /10

    Good - But With Issues

    Reviewed on 2021/01/12

    Mostly good apart from the above which really grate with me. They don't seem to be developing the...

    Mostly good apart from the above which really grate with me. They don't seem to be developing the core product at all. It has barely changed in my 4 years of usage.


    Easy to use for non-accountants. Inexpensive.


    Invoices, purchase orders etc are not sent out from your own email address but from messaging-service @post.xero.com. This looks unprofessional and spammy, I have had customers reply by copying and pasting that email address and it's binned by Xero. You can't format email text in any way either. No bold, no italics - nothing!

    The inventory (products and services) listings cannot be accessed by administration staff unless given full access to financial reports. So the accountant or business owner has to make small modifications to the inventory even though they are not familiar with product descriptions, prices etc. This is very poor.

    Leanne M.
    Overall rating
    • Industry: Staffing & Recruiting
    • Company size: 2-10 Employees
    • Used Daily for 2+ years
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 8.0 /10

    Easy to deploy and use providing you have basic book-keeping knowledge

    Reviewed on 2021/03/31

    Solid and simple cloud accounting solution that is easy to navigate and customise. Great that our...

    Solid and simple cloud accounting solution that is easy to navigate and customise. Great that our external accountants and legal support can access online as they need. Seems to be continuously evolving and its reassuring to see ongoing development of the product.


    Customisable dashboard is a time saver and ability to customise templates helps with consistency for our company branding. Customisation of user permissions means the bonus of staff being able to enter their own expenses which is a further time saver. Being able to work across multiple currencies now is a plus, albeit I wish we could manually adjust exchange rates being used.


    Many advanced features that are standard for longer established accounting software solutions are available, but as "bolt on" packages, so costs can escalate quickly if you need full "bells and whistles".
    Customer service response can be very slow compared to other cloud software providers we use - in the beginning they were responsive for engagement but over time they're clearly pushing all customers towards getting answers from their user community and/or through the Q&A section. I appreciate that customer service probably don't want to be wasting time with queries better addressed by professional book-keepers or accountants, but in our instance, as "advanced users", our customer service queries tend to be related to technical challenges with the product. It would be great of Xero could analyse the types of queries coming from their customers and perhaps have a priority helpline on offer for "low maintenance" subscribers.

    Monika V.
    Overall rating
    • Industry: Accounting
    • Company size: 2-10 Employees
    • Used Daily for 2+ years
    • Review Source

    Overall rating

    • Value for Money
    • Ease of Use
    • Customer Support
    • Likelihood to recommend 10.0 /10

    Xero for Business

    Reviewed on 2021/02/25

    I am happy, can be connected with my clients all the time, can prepare reports anywhere, anytime. I...

    I am happy, can be connected with my clients all the time, can prepare reports anywhere, anytime. I think the price for South Africa is a bit high


    I like the product is easy to use, no need high knowledge of accounting, the person who never was doing accounting can easily manage this product


    there is still missing a few things as inventory shall be a bit changed as people with two inventories in different places can not have two storages, there are few things that missing and can make it easier to work with

    Showing 5 reviews of 1 951 Read all reviews

    Xero FAQs

    Below are some frequently asked questions for Xero.

    Xero offers the following pricing plans:

    • Starting from: A$13,50/month
    • Pricing model: Subscription
    • Free Trial: Available

    Starter: $13.5/month Standard: $26/month Premium: $33.5/month

    We do not have any information about Xero features

    Xero has the following typical customers:

    Self Employed, 2-10, 11-50, 51-200, 201-500, 501-1 000

    Xero supports the following languages:


    Xero supports the following devices:

    Android (Mobile), iPhone (Mobile), iPad (Mobile)

    Xero integrates with the following applications:

    Accelo, Actionstep, ActiveCollab, Acuity Scheduling, Administrate Training Management, Agile CRM, ApprovalMax, AroFlo, Authorize.Net, AutoEntry, BarTab, Batchbook, BigCommerce, BlueFolder, BookingBug, BuilderTREND, Capsule, Chargebee, Chargify, Chaser, Checkfront, Checkmybooks, Chrometa, Cin7, ClicData, Clio, CollabSpot, Constant Contact, Copper, Corecon, Current RMS, CustomerSure, Cyfe, DEAR Systems, Datamolino, Debtor Daddy, Deputy, Dext Prepare, Dryrun, EZRentOut, Ecwid, Emburse Nexonia Expenses, Emburse Tallie, Entryless, Epos Now, Everhour, Expensify, Exsalerate CRM, FUTRLI, Fathom, Fergus, FieldAware, Financial Driver, Fishbowl, Float, Float Cash Flow, FreshBooks, Freshdesk, GeoOp, Google Workspace, Grow, Handshake, Harvest, Hike, Hotelogix, Hubdoc, Insightly, InvoiceSherpa, JobAdder, Kickserv, Klipfolio, Lightspeed POS, LivePlan, MRPEasy, Magento Commerce, Mailchimp, Manu Online, Microsoft 365, Microsoft Power BI, Mindbody, MinuteDock, MyBuys, Nobly, OnePageCRM, OneSaas, Onsight, Panalitix, PandaDoc, PayPal, Payment Evolution, Payoneer, Pepperi, PieSync, Plooto, Podio, Practice Ignition, ProWorkflow, ProfitSee, Proposify, QuickBooks Commerce, QuickBooks Time, Quoter, Quotient, Qvinci, Qwilr, RESULTS.com, Re-Leased, Really Simple Systems CRM, Rydoo, SalesSeek, Sapaad, Satago, ServiceM8, Shoeboxed, Shopify, Simple Salon, Solve CRM, Spotlight Reporting, Square Point of Sale, StarShipit, Streamtime, Stripe, SugarCRM, Synchroteam, Synergy Practice Management, Tidy Build, Time Tracker, TimeCamp, Timely, Tradify, Trigger, Unleashed, Veeqo, Vend, WORKetc, WooCommerce, Workato, WorkflowMax, XEDI Web EDI, XO Cashflow, ZENOTI, Zahara, Zapier, Zendesk Sell, Zoho Analytics, Zoho CRM, ezyCollect, ezyVet, simPRO, vWorkApp, webexpenses

    Xero offers the following support options:

    Email/Help Desk, FAQs/Forum, Knowledge Base, 24/7 (Live rep), Chat

    Related categories

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