Xero

New Zealand HQFounded 2006

Deployment

Web-basediPhone/iPadAndroidWindowsMac

Best for

SmallMediumLarge

Overview

About Xero

Xero is rated as one of the top cloud accounting software solutions that meet next-generation business needs. The software is easy to handle, and anyone can operate it. For ease of use, the software is segmented into two categories- Xero for small businesses and Xero for accountants and bookkeepers. From fixed asset management, paying bills, bank connections, accounts payable, accounting practice management, expense management, till reporting, Xero has tools to cater to each of these needs.

Xero is also popular for its church accounting software that assists Churches in becoming more organized in the accounting process. The vendor offers competitive prices and discounts when subscribed to more than one business edition. Robust security features and customer support are an added advantage of the Xero accounting tool.

At a glance

Software information

Industries served, licensing and the support Xero provides.

Industries

  • Accounting
  • Banking
  • Financial-services

Licensing

  • Proprietary
  • Monthly Payment
  • Quote Based
  • Free trial

Support

  • Email
  • Phone
  • 24x7 Support

Training

  • Webinar

Knowledge Base

  • Help Guides
  • Video
  • Blog
  • Case Studies
  • On-Site Training
Languages (1)
English

Review analytics

What customers report

4.3
Based on 53 verified reviews
Ease of use4.5
Features & functionality4.7
Customer support3.9
Value for money4.3
Integrations4.7

What users like the most

  • Cloud-based
  • Mobile application
  • Gusto payroll integration

What users like the least

  • Small reporting
  • Fees for ACH transactions
  • Inadequate client service

What users say

Review Analytics of Xero

Every review is verified through Goodfirms before it's published.

4.353 Verified Reviews
Ease of use (14 reviews)4.5
Features & functionality (14 reviews)4.5
Customer support (14 reviews)3.7
Value for money (10 reviews)4.1
Integrations (10 reviews)4.6
Review Summary
Summarized from 53 verified reviews · Updated September 2026
Xero is cloud-based accounting software praised for its intuitive interface, ease of use, and strong integrations with third-party apps. Users consistently highlight its suitability for small to medium-sized businesses, competitive pricing, and reliable customer support. However, reviewers note limitations including gaps in features like inventory management, tax integration, and advanced reporting capabilities, with some experiencing occasional technical issues or finding the payroll module less straightforward than competing products.
✦ AI-generated summary. May not reflect every review.
Detailed Reviews of Xero
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What reviewers mention most

Samantha Odo, Chief Operating Officer and Sales Representative at PrecondoVerified Review
Posted on May 8, 2023

“Xero is a strong and convenient option for handling your business's payables”

Overall rating4.0
Ease of use4.0
Features & functionality5.0
Customer support4.0

We Precondo use Xero. A popular AP software that provides several features to aid businesses in streamlining their AP procedures is Xero. Users may simply track spending, automate the processing of invoices, and reconcile payments using Xero. The program also enables the creation of personalized approval workflows, guaranteeing that each invoice is duly approved before being paid. Xero provides a variety of other financial management capabilities in addition to its main AP capabilities, such as budgeting and forecasting, inventory monitoring, and payroll administration. The application's seamless integration with hundreds of third-party programs, like PayPal and Stripe, makes it a flexible and adaptable solution for companies of all sizes.

Tiffany Payne, Head of Content at PharmacyOnlineVerified Review
Posted on May 8, 2023

“Xero facilitates the comprehension and management of your financial flow”

Overall rating4.0
Ease of use4.0
Features & functionality4.0
Customer support4.0

We PharmacyOnline use Xero. With Xero, billing is simple. Xero facilitates the comprehension and management of your financial flow and identifies which bills are due for payment. Schedule payments, pay suppliers in bulk, and reduce time spent on business administration by paying multiple invoices in a single transaction. By emailing bills and documents directly to your Xero files inbox, you can maintain paperless records by storing all of your bills in one location.

Luis Orensanz, Finance Content Manager at AllAboutGroupVerified Review
Posted on May 5, 2023

“Xero is an excellent choice for managing accounts payable”

Overall rating5.0
Ease of use5.0
Features & functionality5.0
Customer support5.0

Currently, my company AllAboutGroup uses the software Xero, which is a cloud-based accounting software that helps us manage our accounts payable. We have been using this software for over 5 years and use it on a daily basis. In terms of its pros and cons, I find Xero to be an excellent choice for managing accounts payable. The software is user-friendly and comes with several features. Additionally, the customer support is excellent, and the value for money is great. The software also offers a range of integrations and onboarding options, which makes it easy to use.

James Smith, Co-founder at InyouthsVerified Review
Posted on Apr 18, 2023

“Xero has an intuitive UI and a comprehensive onboarding process”

Overall rating4.0
Ease of use4.0
Features & functionality5.0
Customer support3.0

Our company Inyouths uses Xero Accounting Practice Management Software for accounting and financial management. We have been using this software for over 5 years, and we use it on a daily basis. On the other hand, we have found some cons, such as occasional hiccups when processing payments and slow loading times for certain features. Convenient integrations with popular payment platforms. It is excellent value for money.

Ivy Chen, Co-founder at DoratoonVerified Review
Posted on Feb 27, 2023

“Xero's user-friendly interface simplifies accounting tasks and makes it easier to manage company finances”

Overall rating5.0
Ease of use5.0
Features & functionality5.0
Customer support5.0
Value for money4.0
Integrations5.0

Our company Doratoon uses Xero accounting software. We have been using Xero for the past five years, and we use it weekly to manage our financial transactions, track expenses, and generate reports. Xero's various pricing plans are a great value for our money. Xero is entirely cloud-based, and with a hybrid work model, it’s convenient and accessible from anywhere with an internet connection. I can easily access our business finances while sitting at home, travelling, collaborating with team members, and sharing data with our accountant or bookkeeper in real-time. I also leverage Xero's multiple features and tools, including invoicing, bank reconciliations, inventory management, payroll, and expense tracking, to improve the accounting process further. And we integrate it with other business apps, such as CRM software, e-commerce platforms, and project management tools, so that we can manage all aspects of your business finances in one place.

Calvin W, CEO at Moo SoftVerified Review
Posted on Feb 27, 2023

“Xero is an excellent software choice especially for small businesses to streamline their daily accounting tasks”

Overall rating5.0
Ease of use5.0
Features & functionality5.0
Customer support3.0
Value for money4.0
Integrations4.0

Our company Moo Soft uses Xero accounting software. The pros of Xero are many. It is super easy to use and I love the ability to collaborate with other users. Xero is an excellent software choice especially for small businesses to streamline their daily accounting tasks at a good price. The cons are probably just that their customer service could be better. We have been using the software for five years now. We use it daily.

Tim Doman, CEO at Top Mobile BanksVerified Review
Posted on Feb 23, 2023

“Xero is a solid accounting software system, and we are happy with our decision to use it”

Overall rating4.0
Ease of use4.0
Features & functionality5.0
Customer support3.0
Value for money4.0
Integrations4.0

We Top Mobile Banks use Xero on a daily basis to manage our finances, including invoicing, expenses, and bank reconciliation. As a financial specialist, I am well-versed in various accounting software systems, and the software that my company currently uses is Xero. We have been using Xero for almost four years now, and we use it daily to manage our finances. One of the biggest pros of Xero is its user-friendly interface. The software is easy to navigate, and its dashboard provides an excellent overview of our finances. We use it to manage our invoicing, expenses, and bank reconciliation, and it integrates well with other business apps, such as payroll systems. However, Xero has a few cons as well. One of the main issues we've encountered is the limited reporting options. While the software provides some standard reports, we found it difficult to create customized reports that meet our specific business needs. Additionally, customer support can be somewhat slow at times.

David Zhang, CEO at Kate BackdropVerified Review
Posted on Feb 22, 2023

“Xero is a perfect solution to manage accounts on a daily basis”

Overall rating5.0
Ease of use5.0
Features & functionality4.0
Customer support5.0
Value for money5.0
Integrations5.0

Our company Kate Backdrop uses Xero as its accounting software. We've been using Xero for over two years, and we use it daily to manage our accounts. The pros of Xero are that it's easy to navigate and use, provides great features and functionality, offers excellent customer service, is reasonably priced compared to other software, provides a range of integrations, has an onboarding process, and generates comprehensive financial reports. The cons of Xero are that it can be slow at times, the complexity of some features may not suit all types of businesses, and there's no way to customize specific reports or invoices.

Gene Caballero, Co-founder and CFO at GreenPalVerified Review
Posted on Feb 21, 2023

“Xero is the best small accounting business software for startups”

Overall rating5.0
Ease of use5.0
Features & functionality5.0
Customer support3.0
Value for money5.0
Integrations5.0

We GreenPal use Xero. Xero Payroll allows for small businesses that need an STP-compliant payroll solution but don't need comprehensive online accounting software just yet. It is set up for small entrepreneurs who have fewer than four employees. Also, not only does the online portal allow us to aggregate all of our financial accounts, but it also gives us direct feedback from banks, software applications, and all other of our financial institutions to let us know exactly where our finances stand. It also allows us to track each employee to see who is spending what--if any issues are raised, we are alerted immediately. We are currently using this software on a daily basis.

Jamie Irwin, Digital Marketing Expert at Tutor CrunchVerified Review
Posted on Feb 21, 2023

“Xero is perfect for a small consulting firm or service provider with a low monthly volume of high-value transactions”

Overall rating4.0
Ease of use4.0
Features & functionality4.0
Customer support4.0
Value for money4.0
Integrations5.0

We Tutor Crunch use Xero for our company's accounting needs, as far as I am aware. This program features an uncluttered user interface and can work in tandem with any external payroll provider you may need. The Xero-Stripe and Xero-GoCardless integration enables businesses to accept payments online. Only 20 invoices or quotes and 5 bills can be entered each month on the Early plan. Limitless invoices and bills are included with both the Expanding and the Established plans. The sole distinction is that the Established plan includes extras like multi-currency support, expense tracking, and project costing that the other plan lacks. Hubdoc, a platform that allows users to digitize and save invoices and other documents, is included in all three pricing tiers.

Capabilities

Xero features

The full feature set, grouped by module.

Accounting Software

  • Accounts Payable
  • Bank Reconciliation
  • Billing & Invoicing
  • Budgeting and Forecasting
  • Expense Tracking
  • Financial Reporting
  • Fixed Asset Management
  • Fund Accounting
  • Payroll Management
  • Project Accounting
  • Purchase Orders
  • Tax Management

Fixed Asset Management Software

  • Asset Accounting
  • Audit Trail
  • Depreciation Calculation
  • Maintenance Management
  • Purchase & Requisitions
  • Reporting & Analysis

Accounts Payable Software

  • Approval Management
  • Automation
  • Data Extraction
  • Expense Management
  • Invoicing
  • Payment Management
  • PO Reconciliation
  • Reporting & Analysis
  • Vendor Management
  • Tax Calculation

Church Accounting Software

  • Accounts Payable
  • Accounts Receivable
  • Asset Tracking
  • Bank Reconciliation
  • Budgeting/Forecasting
  • Fund Accounting
  • General Ledger
  • Payroll Management

Accounting Practice Management Software

  • Billing & Invoicing
  • Client Management
  • Client Portal
  • Project Management
  • Reporting & Analytics
  • Task Management
  • Time Tracking
  • Workflow Management

Recurring Billing Software

  • Alerts/Notification
  • Billing & Invoicing
  • Budget Management
  • Payment Processing
  • Reports
  • Self Service Portal
  • Subscription Billing
  • Transaction Management

Accounts Receivable Software

  • Account Security
  • Billing & Invoicing
  • Collections Management
  • Dashboard
  • Recurring Billing
  • Streamlined Payments

Business Management Software

  • Accounting
  • Billing & Invoicing
  • Budgeting & Forecasting
  • Financial Management
  • Inventory Management
  • Marketing Management
  • Reporting & Analytics
  • Scheduling
  • Vendor Management

Plans

Xero pricing

Price Type
Month
Free Version
No
Payment Frequency
Monthly Payment, Quote Based
Preferred Currency
USD ($)
Free Trial
30 Days
Standard$2.90 / month
  • Short-term cash flow and business snapshot
  • Capture bills and receipts with Hubdoc
  • Reconcile bank transactions
Standard Plan$4.60 / month
  • Bulk reconcile transactions
  • Send invoices and quotes
  • Enter bills
Premium$6.90 / month
  • Use multiple currencies

Media

Screenshots & video

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