Xero
Beautiful Business & Accounting Software·xero.com
Xero is cloud-based accounting software for small businesses that connects to bank accounts, accountants, bookkeepers, and other business apps. It covers invoicing, bank reconciliation, payroll, bill payments, expense claims, inventory, project tracking, and financial reporting. The platform also includes JAX, described as an AI financial superagent that automates workflows and delivers real-time financial insights. Xero also offers dedicated tools (Xero HQ, Practice Manager, Workpapers) for accountants and bookkeepers managing client work.
What it's for
Features 20
- Accept online invoice payments (credit card, debit card, direct debit)
- Bank reconciliation with automated bank feeds
- Bill payment automation with duplicate detection
- Cash flow analytics and forecasting dashboard
- Contact management (customer/supplier details)
- Employee expense claims and mileage tracking
- Fixed asset tracking
- Hubdoc data capture from bills and receipts
- Inventory management linked to invoicing
- JAX AI financial superagent (beta) for automation and insights
- Mobile accounting app for iOS and Android
- Multi-currency accounting
- Online file storage for documents and receipts
- Online invoicing with automated payment reminders
- Payroll and pay runs
- Project tracking (time, costs, job profitability)
- Purchase orders
- Quotes that convert to invoices
- Real-time financial reporting (P&L, balance sheet, cash flow)
- Sales tax calculation and reporting
At a glance
Integrations
Complianceself-reported
Resources
Pricing
Prices are in USD. Promotional pricing (80% off) applies for the first 3 months for new customers using code DC8032614GL; regular prices resume after 3 months. Payment fees apply separately to online invoice payments. Regional pricing in local currencies is available for UK, Australia, New Zealand, Canada, Singapore, Malaysia, Hong Kong, South Africa, Philippines, Ireland, and Indonesia.
Promotional price $1.40/month for first 3 months, then $29 regular price... (regular price shown here is $7/month; promo detailed separately)
Send 5 invoices and quotes; simple bookkeeping for micro-businesses and side hustles
Promotional price $5.80/month for first 3 months, then $29/month regular price
Send quotes and 20 invoices; enter 5 bills
Promotional price $10/month for first 3 months, then $50/month regular price
Accounting tools for self-employed and growing businesses; no stated invoice cap
Promotional price $15/month for first 3 months, then $75/month regular price
Good for established businesses of all sizes
New customers get 80% off their base Lite, Starter, Standard, or Premium plan for the first 3 months (code DC8032614GL); does not apply to add-ons, usage, or payment fees.