Xero

Xero is cloud-based accounting software developed by Xero Limited. The platform connects small businesses, accountants and bookkeepers through shared financial records, bank feeds, reporting tools and connected applications.

Core workflows include invoicing, bill management, expense claims, bank reconciliation, payments and financial reporting. Higher plans add deeper forecasting, dashboards, project tracking, employee expenses, multiple currencies and industry benchmarking.

Xero also provides mobile applications for accounting, expenses, projects, employee self-service and multi-factor authentication. Its JAX product adds conversational AI capabilities for financial questions, research and selected administrative tasks.

Xero supports online invoices, quotes, payment collection, purchase orders, bills, bank connections, reconciliation and real-time financial reports. Bank feeds can connect data from more than 21,000 global financial institutions.

Growing and Established plans add automated bill entry, auto-reconciliation, performance dashboards and longer cash-flow forecasts. Established also supports multiple currencies, project cost tracking, employee expense claims and industry benchmarking.

The platform connects with hundreds of third-party applications through the Xero App Store. Listed examples include Stripe, Square, Shopify, PayPal, GoCardless, Hubdoc, Dext and inventory applications.

Xero provides a developer API for custom integrations. New integrations use OAuth 2.0, and API availability applies across Xero plans, although feature access varies by plan.

Xero uses monthly subscriptions in the United States. Current regular prices are $25 per month for Early, $55 per month for Growing and $90 per month for Established.

The Early plan limits customers to 20 invoices and five bills per month. Growing removes those limits and adds automated bill entry, auto-reconciliation and customizable dashboards.

Established adds 180-day cash-flow forecasting, multiple currencies, project tracking, employee expense claims, industry benchmarking and additional payment capabilities. Xero Payroll, powered by Gusto, is listed as an optional add-on at $36 per month plus $6 per employee or contractor.

Xero currently advertises a 90% discount for six months for qualifying new United States customers purchasing by September 30, 2026. Taxes, payment fees and some add-on charges may apply.

Xero offers broad accounting coverage, strong mobile access, extensive integrations and a developer API. Its shared cloud ledger supports collaboration between businesses and accounting professionals.

Review platforms consistently show positive sentiment around usability and invoicing workflows. Some reviewers report that advanced reporting, customization and support experiences can vary by need and region.

QuickBooks Online is a major alternative for small-business accounting, especially for companies already using Intuit products. FreshBooks focuses more heavily on service businesses, time tracking and client billing.

Sage Accounting provides cloud bookkeeping and business finance tools. Zoho Books suits organizations seeking accounting alongside the wider Zoho application suite. Wave targets smaller businesses seeking lower-cost invoicing and bookkeeping features.

Does Xero offer a free trial?

Yes. Xero advertises a 30-day free trial in the United States without requiring a credit card. Its pricing page also describes a first-month-free offer when customers purchase a plan.

Which platforms support Xero?

The main product runs through a web browser. Xero also provides mobile apps for Android and iOS devices, including iPhones, iPads and tablets.

What does Xero integrate with?

Xero connects with hundreds of applications through its App Store. Examples include Stripe, Square, Shopify, PayPal, GoCardless, Hubdoc, Dext and inventory tools.

Does Xero have an API?

Yes. The Xero developer platform provides APIs for custom applications and integrations. OAuth 2.0 is required for new integrations.

Who is Xero designed for?

Xero primarily serves small businesses, accountants and bookkeepers. Its industry pages also cover construction, retail, ecommerce, real estate, nonprofits and professional services.