Xero is cloud accounting software for small businesses and their advisors. Bank connections import transactions automatically. Invoicing with online payment options. Multi-currency support for international business. 1,000+ app integrations extend functionality. Beautiful accounting software that makes numbers make sense.

Available on: Web, iOS, Android

Louis Corneloup Updated Sep 1, 2026 · how we evaluate Source xero.com ↗

Ratings Across the Web

4.4 (5,158 reviews)

Xero holds an aggregate rating of 4.4 out of 5 from 5,158 reviews across G2 and Capterra, last checked September 17, 2026.

G2 1,833 reviews

4.4/5

Capterra 3,325 reviews

4.4/5

Ratings aggregated from independent review platforms. Learn more

Key Features

Cloud accounting
Bank reconciliation
Invoicing
Expense claims
Payroll
Multi-currency support

Pricing Plans

Free Trial

Pricing checked Oct 3, 2026

Xero plans and prices, checked October 2026
Plan	Price	Details
Early	$25 / mo	US standing price as of 2026-09-01 20 invoices and 5 bills 90% off first 6 months ($2.50) until 30 Sep 2026 is a new-customer promo +1 more Show less Prices increase 1 Oct 2026
Growing	$55 / mo	US standing price as of 2026-09-01 Unlimited invoices and bills Auto-reconcile and performance dashboards +1 more Show less Promo $5.50/mo first 6 months until 30 Sep 2026
Established	$90 / mo	US standing price as of 2026-09-01 Multi-currency, projects, expense claims 180-day cash flow forecast +1 more Show less Promo $9/mo first 6 months until 30 Sep 2026

Calculate your cost View full pricing

Hidden Costs & Gotchas

Potential add-on costs for specific integrations

Full Xero pricing: every plan, hidden costs and alternatives

How Xero's pricing compares

At $25/mo, billing unit not specified, Xero is mid-range of its 6 comparable direct competitors ($15 to $189/mo across the set).

$15

$15.83

$17

$23

Xero

$25

QuickBooks

$38

Bench

$189

Entry paid plan, monthly. Pricing checked Oct 3, 2026.

Reviews

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4.4/5

Across 5,158 verified user reviews on Capterra, G2

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Best Xero Alternatives

Top alternatives based on features, pricing, and user needs.

View full list →

Patriot Software Paid

Fast, simple, and affordable accounting and payroll software for small businesses.

4.7

FreshBooks Paid

Accounting software for small businesses and freelancers

4.5

Sage Intacct Freemium

Cloud financial management for growing businesses and mid-market companies.

4.3

QuickBooks Paid

Small business accounting software

4.4

Wave Freemium

Free accounting, invoicing, and receipt scanning for small businesses

4.3

Zoho Books Freemium

Integrated accounting for small businesses in the Zoho ecosystem

4.4

Bench Paid

Online bookkeeping service combining software with expert accountants

4.4

Manager Freemium

Free accounting software for small businesses.

4.6

See all finance tools →

Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

All Xero alternatives 8+ tools ranked, pricing + verdict per pick Xero vs Patriot Software Head-to-head: features, pricing, who wins Xero vs FreshBooks Head-to-head: features, pricing, who wins Xero vs Sage Intacct Head-to-head: features, pricing, who wins

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Xero FAQ

How does Xero streamline financial operations for small businesses?

Xero automates banking by connecting to bank accounts to import transactions automatically. It also supports invoicing with online payment options, helping small businesses manage their cash flow efficiently.

Which teams benefit most from using Xero?

Xero is designed for small businesses and their advisors. Its clean interface and strong bank feeds make it particularly good for accountants managing multiple small business clients.

How is Xero priced?

Xero is a paid product and does not offer a permanently free tier. Users subscribe to access its cloud accounting features.

Can Xero handle international business transactions?

Yes, Xero includes multi-currency support, which is beneficial for businesses that operate internationally. This feature allows users to manage transactions in various currencies.

What kind of integrations does Xero offer?

Xero offers over 1,000 app integrations to extend its functionality. These integrations allow businesses to connect Xero with other tools they use for various operations.

How does Xero compare to QuickBooks regarding integrations?

Xero has fewer integrations compared to QuickBooks. While Xero offers over 1,000 app integrations, QuickBooks generally provides a broader range of connections.

What are the primary limitations of Xero?

Xero has limited US payroll capabilities, which might be a consideration for businesses with specific payroll needs in the United States. It also offers fewer integrations than some competitors.

Source: xero.com

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