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 & functionality4.0
Customer support3.5
Value for money3.8
Integrations4.5

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

Jay Soni, Marketing Director at Yorkshire Fabric ShopVerified Review
Posted on Feb 21, 2023

“Xero is perfect and a has a straightforward inventory control”

Overall rating5.0
Ease of use5.0
Features & functionality4.0
Customer support4.0
Value for money4.0
Integrations5.0

We Yorkshire Fabric Shop use Xero. This software fully interacts with a third-party payroll service and offers a simple user interface. Customers may make payments to businesses online thanks to Xero's connection with Stripe and GoCardless.

Ashley Amor, Co-founder at PeopleFindFastVerified Review
Posted on May 24, 2022

“Xero is the best accounting software that has met all of requirements till date”

Overall rating3.0
Ease of use4.0
Features & functionality4.0
Customer support3.0
Value for money3.0
Integrations3.0

My company PeopleFindFast has been using Xero almost every day for the last couple of years. It allows me to take care of all accounting needs with great ease and convenience. This accounting software is that it has no built-in 'Debtor Chasing' function. Moreover, it doesn't support Exchange Trade Products (ETPs). So I need to follow unpaid bills manually, which is a time-consuming task for me.

Kimberly Silva, CEO at FindPeopleFirstVerified Review
Posted on May 24, 2022

“Xero has a simple interface that allows users to handle and operate precisely”

Overall rating3.0
Ease of use5.0
Features & functionality4.0
Customer support2.0
Value for money4.0
Integrations5.0

We FindPeopleFirst use Xero accounting software to perform billing activities in our firm, and it has immense integration features with cloud storage connectivity options. The major drawback of this app is that there is limited customer service provided. Due to its simple working strategy, we have had no issues reporting to customer support yet. This drawback has not affected us much for the past three years. This accounting app has worked in the billing and invoice category for nearly three years. We use this app once a week to generate invoices and bills for customers. There are two subscription schemes Growing and Established. We have enrolled with the established plan because it enables us to work with multiple currencies.

CJ Xia, VP of Marketing and Sales at Boster Biological TechnologyVerified Review
Posted on May 20, 2022

“Xero is a professional level accounting software. It is easy to use and has a user-friendly interface”

Overall rating5.0
Ease of use4.0
Features & functionality4.0
Customer support5.0
Value for money4.0
Integrations5.0

We Boster Biological Technology use Xero. It is cloud-based and useful for invoicing, statements of accounts, and expense management. It is easy to integrate, has a user-friendly interface, and its customer support is beneficial. Recently, the prices of Xero have been increased and no longer include built-in payroll within its plan. Sometimes it can be prolonged if your company is running online or if it makes a high volume of sales through PayPal.

Davie Mach , Director & Founder at Box Advisory ServicesVerified Review
Posted on Dec 2, 2021

“Best accounting software for small business!”

Overall rating4.5

We at Box Advisory Services provide accounting services to small businesses to help them with any tax or accounting related problems.

I would like to recommend Xero. Xero is a new accounting software – the new alternative to QuickBooks – and it’s being used by more and more small businesses these days. It is standing out for all the right reasons, and investing in it would be an excellent decision.

Craig Billington Verified Review
Posted on Nov 29, 2021

“If you're looking for cloud accounting; consider Xero as the best partner!”

Overall rating5.0

Kirkwood Wilson Accountants offers support for a variety of cloud accounting packages which include Xero, Sage and Quickbooks. Our favourite piece of software is most definitely Xero! We’re really proud to say that we are Xero gold partners and all of our staff are Xero champions. We’ve invested heavily into really getting under the skin of Xero, allowing us to give our clients the best experience possible. Xero is constantly making innovations in our sector, driving the industry forward and saving us time on our day-to-day workload.

Although we love Xero, sometimes the client might need a little more than it currently offers. It has a pretty comprehensive product offering, but it doesn’t deal fantastically well with some things such as stock. Instead, it’s open API means app developers can integrate their software with Xero, meaning our clients can move to Xero knowing their accountancy software does everything they need it to, with the help of the add-on marketplace.

Xero’s cloud-based features mean that it can be accessed from any location in the world as long as there’s an internet connection. I always remember a client telling me they were invoicing their customers from a sun lounger on the Costa del Sol. Not my idea of a holiday but handy in any case!

It's user-friendly, and staff can be given specific levels of access which mean they can invoice, but won’t be able to see payroll information or the company’s bank account. It’s a really useful tool, meaning the company director doesn’t need to be in charge of invoicing anymore. It gives them some of their time back and they can focus on taking their business forward! It’s completely changed the way our practise operates over the last five years, and has really helped free up our time so that we can help clients with the things that really matter.

Jenn HessVerified Review
Posted on Nov 18, 2021

“Switched from QBO for credit card & time tracking integrations”

Overall rating4.0
I switched to Xero from QBO a few years ago, and it has been working well . Though my accountant is not as familiar with the platform, she has been able to access the necessary information and run pertinent reports as needed.

Things I like about Xero:
• Seems more lightweight than QBO so responds more quickly and feels less buggy
• Ability to import time tracking invoices from Everhour to Xero as well as auto-generate recurring invoices without conflicting invoice numbers (that was an issue with QBO — it didn't like that I was generating invoices from two different sources)
• Ability to integrate easily with Stripe and PayPal for digital payment methods (QBO offers credit card processing, but I think you have to use their service... or at least you did at the time)
• Automated reconciliation and bank record matching works pretty well, and it handles the credit card processing fees & transfers much more smoothly than QBO ever did (QBO was always confused about processing fees and where the money was moving from, so it required a lot of manual processes)

Areas of improvement:
• The Xero reporting options are pretty basic with very limited customization options, so you basically have to export your data to a CSV and manipulate it there for anything more complex
• The interface feels dated, and while it's still fairly intuitive, it's not as 'pretty' as it could be. There are some upgraded views that you can optionally enable, but then you lose some features, so I haven't adopted them fully yet
• All contacts just get lumped into one giant list, which is great if you have clients who are also vendors (which I do); however, it also makes it difficult to view specific groups (without manual work to categorize them into 'client' & 'vendor' groups)
• Because of the combined contact list including vendors & clients, when Xero integrates with Everhour, the full contact list is pulled into Everhour, and I have to manually archive any non-client contacts to keep my Everhour client list accurate (since presumably I won't be billing Amazon.com for hourly projects lol). While archiving them isn't required for Everhour functionality, I prefer to keep my records tidy.

Overall, I'm pleased with the decision to switch to Xero, and I would recommend it to other small business owners depending on their specific needs.
Fergus Mc ManamonVerified Review
Posted on Jul 19, 2021

“Terrible customer service and lots of program issues”

Overall rating1.0
Xero was the worst business decision we ever made. Their customer service can't even be put into words. Be very careful before choosing Xero. There are a lot of product failings as well such as no Delivery Note/Dispatch Docket capability (they'll tell you about a "workaround" which there is BUT it means 10 clicks to get it done and that's after you set it up). We're in Ireland, it can't manage our VAT returns effectively, it can't do Return of Trading details at end of year, you can't lock out VAT periods so users can easily go back and screw up retruned VAT periods. You can't dupicate a product/service in order to easily create a new one, it's hard work to move a line item in a quote or invoice, there are so many glitches and annoyances with the system. Many of these seem small and you'd expect they'd fix/improve them but even with hundreds and thousands of requests from hundreds and thousands of customers, they just fall on deaf ears. With all their faults, easily the worst one is their customer service - basically they don't have any and they don't care about their customers. At all. They don't even have a way to contact them, no email, no phone number, just their Xero central database that you have to log on to, just to ask a question. If you're a micro business like a sole trader with no employees, maybe it will do fo you, but if you plan on getting any bigger, you WILL be moving away again and that's a difficult ordeal and bulk of work so I urge you to consider alternatives now.
Laura JohnsonVerified Review
Posted on Jul 15, 2021

“Xero is living in 2021”

Overall rating5.0
Xero has made working in a virtual space due to covid and working with offshore accountants and bookkeepers a breeze. Would highly recommend to anyone wanting to increase productivity and its also user friendly.
Ryan FreemanVerified Review
Posted on Jul 15, 2021

“Good at what it does, missing obvious features”

Overall rating3.0
We've used Xero for nearly 10 years, and in many ways it has made life easier. Customer support is solid enough, and the bank rec features really help to keep book keeping labour to a minimum. As the platform has expanded their invoicing capabilities (at the same time Freshbooks was undermining their legacy customers), we shifted billing to Xero as well.

For basic accounting, bank recs, expenses, and tax reporting it's very good. I have used and trained other people on Simply Accounting, QuickBooks, and QuickBooks online, and a few others, so I'm pretty confident in using and evaluating accounting software.

Where Xero falls flat is first the lack of some basic features, and secondly a profound and bizarre habit of ignoring customer requests for basic features. For example, the inability to charge interest on overdue invoices. That's a pretty basic item, but Xero has not only opted not to add the feature, they have ignored a multi-year customer feedback thread with thousands of users supporting the request. Similarly, they don't support bundle/inventory pricing (ex: Sell Pkg A for $500, but account for multiple items or services sold).

The answer for these shortcomings is always "find a 3rd party vendor" (like we had to do for recurring billing). These 3rd party services are costly, less reliable, and really shouldn't be necessary.

If you're considering Xero, look carefully at what features you really need, and confirm they exist here. What it does, Xero does pretty well. What it does not do, is just puzzling.

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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