Xero

accounting software for small businesses

Xero is cloud accounting software for invoicing, bills, bank reconciliation and financial reporting. It connects with payment services and business apps, with mobile access for common tasks.

4.4/5(1,584)G2

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Last checked: September 9, 2026

Business dashboard showing a "Profit and Loss" line graph with upward growth and a "Top transactions" list for June.

Our Take

Xero is worth evaluating with the person who will reconcile the books and prepare the reports, not just the person who sends invoices.

Core cloud accounting coverage
Bank feeds and reconciliation

Early has low document caps
Some connected services charge separately

Best for:

Solo usersSmall teamsGrowing businesses

Best use case: Keeping invoices, supplier bills and bank reconciliation organized for regular financial reporting.

Fits solo businesses and growing teams managing bookkeeping with appropriate accounting support.

Read the full assessment

Xero is worth evaluating with the person who will reconcile the books and prepare the reports, not just the person who sends invoices. Try an import, a supplier bill and a month-end reconciliation using the business’s real structure. Growing avoids Early’s small document caps; Established is more relevant for multicurrency, expenses and project work. Confirm the bank feeds and apps needed, then compare the complete accounting and payroll setup.

Strengths

Core cloud accounting coverage
Bank feeds and reconciliation
App ecosystem and mobile access
Multicurrency and project options

Tradeoffs

Early has low document caps
Some connected services charge separately
Upcoming US price change affects budgeting
Data migration and reconciliation need planning

Who it suits

Small businesses managing cloud bookkeeping
Teams using connected commerce apps
Businesses with multicurrency or project needs

About Xero

Xero is cloud accounting software for invoicing, bills, bank reconciliation and financial reporting. It connects with payment services and business apps, with mobile access for common tasks. Businesses can use it to organize records and collaborate around the same financial data. This page compares the US Early, Growing and Established plans. Early limits invoice and bill volume, Growing expands everyday workflows, and Established adds multicurrency, project and expense capabilities. Payroll, enhanced inventory and some payment services are separate, so the right package depends on both accounting needs and the connected tools already in use.

Pricing & Plans

Prices use the currency shown. Tax, usage limits and billing terms vary by provider.

Annual billing

Early

$25/mo

US entry accounting plan for low transaction-document volume.

Quotes and invoices
Bank reconciliation
Document capture
Basic reports

Full plan details & limits

US entry accounting plan for low transaction-document volume.

USD 25/month

30-day cash-flow forecast
20 invoices and five bills/month

Recommended

Growing

$55/mo

US accounting plan with expanded everyday workflows.

Early features
Uncapped invoices and bills
Automatic bank reconciliation
Custom performance dashboards

Full plan details & limits

US accounting plan with expanded everyday workflows.

USD 55/month

60-day cash-flow forecast
Optional payroll and Inventory Plus cost extra

Established

$90/mo

US plan adding multicurrency, projects and expenses.

Growing features
Multiple currencies
Project time and costs
Expense and mileage claims

Full plan details & limits

US plan adding multicurrency, projects and expenses.

USD 90/month

180-day cash-flow forecast
Payment and optional product charges are separate

View full pricing details

Everything you need to know

Explore more details about Xero.

FeaturesInvoicing, Invoice reminders, Accepting payments by card, debit card, or direct debit + more.

Invoicing
Invoice reminders
Accepting payments by card, debit card, or direct debit
Bills and bill payments
Bank reconciliation
Bank feeds and imported transactions
Expense claims
Purchase orders
Reporting
Real-time reports
Quotes
Project/job tracking
Fixed assets
Contacts
Multi-currency accounting
Inventory

RatingsG2: 4.4/5, Capterra: 4.4/5, Google Play: 3.7/5

G2Xero4.4/5 · 1,584
Source Checked September 8, 2026
CapterraXero4.4/5 · 3,324
Source Checked September 8, 2026
Google PlayXero Accounting for business3.7/5 · 19.6K
Source Checked September 8, 2026
Apple App Store (US)Xero Accounting for business4.6/5 · 1,659
Source Checked September 8, 2026

Customer ratings from the linked platforms, separate from our recommendations. Scores and counts can change; each platform uses its own review process.

Integrations & connectionsHow Xero fits into your workflow

Xero App Store, Certified apps, Stripe, Shopify, Etsy, GoCardless, PayPal, Hubdoc, Syft, Xero Inventory Plus, Custom integrations via open API

Platforms & availabilityWeb · Android · iOS

Xero Limited

Free plan: Not listed for this product. Free trial: Available; check eligibility with the provider.

Cost considerationsBilling, usage limits and additional fees

Current US monthly list prices are Early $25, Growing $55 and Established $90 before taxes. Promotional discounts are temporary and not used as ongoing prices. Early alone has the 20-invoice/five-bill limit; connected apps can consume its invoice allowance. Subscriptions renew monthly. From October 1, 2026, the announced US prices are Early $27, Growing $59 and Established $97 per month. Payroll is optional at $36/month plus $6 per employee/contractor in the reviewed table. Inventory Plus and nonstandard payment methods may add fees. A 30-day trial is advertised.