--- title: "Xero Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Xero Software - reviews, pricing plans, popular comparisons to other Accounting products and more." source_url: "https://www.capterra.com/p/120109/Xero/" page_type: "product" language: "en" --- # Xero Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 26, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Xero ## What is Xero? Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Automate tasks like invoicing and reporting, and get a full picture of your business with up-to-date financial data. Xero accounting software allows you to connect to your bank so you can set up feeds from any number of bank accounts and reconcile bank transactions on a daily basis. ## What is Xero used for? [Accounting](https://www.capterra.com/accounting-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Financial Reporting](https://www.capterra.com/financial-reporting-software/) Recognitions Shortlist Overall rating Based on 3,323 user reviews Reviews sentiment Positive 88% Neutral 7% Negative 5% Pros & cons Accessible and intuitive platform Comprehensive financial oversight tools Recurring software glitches Slow and inconvenient email support Starting price $25 Flat Rate, Per Month Free trial available Capterra Shortlist charts the highest-rated and most popular products... - Accounting / 2026 - Billing and Invoicing / 2026 - Construction Accounting / 2026 - Expense Report / 2026 - Financial Reporting / 2026 - Accounting Practice Management / 2025 - Accounts Payable / 2025 - Accounts Receivable / 2025 - Budgeting / 2025 - Financial Management / 2025 - General Ledger / 2025 - Purchasing / 2025 - Quoting / 2025 - Recurring Billing / 2025 Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Xero alternatives Highest Rated [4.4 (679)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting price $20.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [4.2 (2,067)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.3 (716)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [4.0 (624)](https://www.capterra.com/p/174753/Sage-50cloud/reviews/) Starting price $124.42 Per User, Per Month Pricing Options Free Trial Free Version User Rating 76% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/120109/Xero/alternatives/) ## FAQs about Xero Overview ### What problems does Xero solve? Xero solves time-consuming bookkeeping, manual bank reconciliation, scattered invoicing, and poor cash-flow visibility by centralizing billing, expenses, reports, and bank feeds in one cloud system. Small business owners, accountants, bookkeepers, finance managers, and remote teams benefit most from faster month-end close, easier collaboration, and fewer data-entry errors. Answer based on 1129 reviews Overview ### Which roles and teams benefit most from Xero? Xero is most used by business owners, executives, and finance teams that need clear oversight of cash flow, invoicing, and expenses. Accountants, bookkeepers, and finance managers rely on it for reconciliation and reporting, while office and operations managers use it to streamline billing, payroll coordination, and day-to-day financial administration. Answer based on 2832 reviews Overview ### What company size and industries is Xero built for? Xero is built primarily for small businesses across sectors, with 88% of reviewers from small companies and Accounting leading at 13%. It also serves midsize and enterprise organizations at 6% each, with notable use in Information Technology and Services at 8% and Marketing and Advertising at 6%. Answer based on 3310 reviews Features and Usability ### What are the key features of Xero? Xero includes core accounting features like invoicing, bank feeds, bank reconciliation, accounts payable, and accounts receivable. Differentiating capabilities include customizable financial reporting, multi-currency support, recurring invoices with payment reminders, and third-party integrations for payroll, inventory management, CRM, and time tracking. Answer based on 960 reviews Pricing ### How much does it cost and what fees or limitations are included? Xero starts at $25/month for Starter, with Standard at 55 and Premium at 90, plus a free trial. Starter limits users to 20 invoices and 5 bills monthly, while reviewers say add-ons and advanced features can raise costs, though many still call the entry price competitive for small businesses. Answer based on 477 reviews Integrations ### Which third-party tools and platforms does Xero integrate with? Xero integrates with over 150 third-party tools, including Stripe, PayPal, Microsoft Excel, Gusto, Shopify, Zapier, Dext, and Hubdoc. Reviewer mentions point most often to payments, payroll, ecommerce, and reporting connections, while the catalog also shows broader links with tools such as ApprovalMax and BigCommerce. Answer based on 494 reviews Getting Started and Support ### How easy is it to onboard and train a team on Xero? Xero is generally quick to onboard for small teams, bookkeepers, and non-accounting users handling basic invoicing or reconciliation. It offers in-person training, live online sessions, webinars, documentation, and videos. Reviewers note a moderate learning curve for admins, advanced accounting tasks, migrations, and users switching from other systems. Answer based on 209 reviews Getting Started and Support ### What customer support options does Xero offer, and how do users rate the experience? Xero offers email/help desk, FAQ/forum, a knowledge base, 24/7 live rep, and chat. Users often find the help articles thorough and support staff helpful, especially for setup and routine questions. Common frustrations center on slower responses for urgent or complex issues, uneven follow-through on bugs, and difficulty getting fast resolution. Answer based on 530 reviews Security ### How does Xero handle data security and access control? Xero uses two-step verification, user permissions, read-only and role-based access, audit trails, and cloud-based access controls that let teams, accountants, and bookkeepers work securely from multiple locations and devices. Some reviewers say permissions are not granular enough, authentication can slow logins, and occasional outages or lockouts can temporarily block access. Answer based on 197 reviews ## Who uses Xero? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Accessible and intuitive platform 93% positive reviews out of 405 Most users comment ease of use makes daily accounting tasks straightforward, even for non-experts. Recurring software glitches 55% negative reviews out of 136 Some users report persistent bugs, crashes, and unresolved technical issues that disrupt workflow and require manual fixes. Danielle T. AP, AR, Payroll, 11 - 50 employees. "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i have to have atleast 2 entitoies open everye day" Comprehensive financial oversight tools 90% positive reviews out of 219 Most reviewers indicate financial management features provide real-time insights, accurate reporting, and streamlined cash flow tracking. tamim H. maneger, 1 employee. "Comprehensive Reporting: The robust reporting tools provide detailed insights into financial performance, helping businesses make informed decisions and maintain healthy cash flow" Slow and inconvenient email support 81% negative reviews out of 114 Most reviewers describe email support as slow, with delayed responses and no phone or live chat options. Stephanie F. Owner, 2 - 10 employees. "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" Efficient bookkeeping automation 89% positive reviews out of 176 Most users report bookkeeping tools simplify document organization, automate reconciliation, and reduce manual effort. Jessica H. Bookkeeper, 51 - 200 employees. "Very intuitive web-based accounting software to perform all bookkeeping requirements, user friendly." Limited multi-currency functionality 51% negative reviews out of 61 Some users report multi-currency support is costly, lacks flexibility, and complicates foreign transaction management. ## Features AI summary Based on 11,280 Accounting reviews Capterra data shows that buyers of accounting software rank the following features as their top priorities: - **Income & Balance Sheet** (**57%** of reviewers rated this feature as critical) - **Financial Reporting** (**52%**) - **General Ledger** (**51%**) Xero supports all three features that reviewers rate most highly: **Income & Balance Sheet**, **Financial Reporting**, and **General Ledger**. Together, these capabilities give businesses a clear view of financial performance, improve reporting accuracy, and keep core accounting records organized, helping teams make informed decisions and manage day-to-day finances with confidence. Income & Balance Sheet 4.6 (407) 72.97% of 407 reviewers that rated this feature as important or highly important Xero offers easy access to income statements and balance sheets, letting you customize, export, and drill into details. Users think reports are clear, quick to generate, and helpful for tracking business performance, but some mention the interface could be more intuitive for non-accountants. Financial Reporting 4.4 (487) 62.42% of 487 reviewers that rated this feature as important or highly important Xero provides customizable, real-time financial reports with dashboards, budgeting, and export options. Some users say the variety and flexibility support planning and compliance, but a few mention the interface can be confusing and finding specific reports sometimes takes extra effort. Expense Tracking 4.4 (354) 50.56% of 354 reviewers that rated this feature as important or highly important Monitor and record expenses such as purchases or charges incurred Bank Reconciliation 4.5 (593) 68.63% of 593 reviewers that rated this feature as important or highly important Xero helps you automate bank reconciliation with live feeds, smart matching, and rule-setting. Reviewers indicate it saves significant time, is easy to use, and integrates with banks and platforms like Revolut, though some report occasional feed disconnections and setup challenges. Billing & Invoicing 4.6 (647) 67.23% of 647 reviewers that rated this feature as important or highly important With Xero’s billing and invoicing, you can quickly create, customize, and send invoices, automate reminders, and manage recurring billing. Reviewers appreciate its ease of use, branding options, online payment integration, and time-saving automation, though some find template setup cumbersome. Invoice Creation 4.6 (327) 73.09% of 327 reviewers that rated this feature as important or highly important You get a straightforward way to create, customize, and send invoices, including recurring and draft options. Reviewers appreciate the intuitive process, time savings, and professional results, though some prefer the older interface and wish for more preview and integration options. Xero 179 features ### All Features - "What If" Scenarios: Method used in decision-making that allows businesses to input variables to forecast potential outcomes or possibilities - 401(k) Tracking: Track 401(k) participant contributions and employer match - Access Controls/Permissions: Define levels of authorization for access to specific files or systems - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Accounts Payable: Track money owed to a company's creditors/suppliers - Accounts Receivable: Track outstanding invoices and the money owed from clients - Accrual Accounting: Recognizing income when earned and expenses when incurred regardless of when cash is received or disbursed. - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Activity Tracking: Track and document all activities across devices, networks, and other systems - Ad hoc Reporting: Generate one-off reports that meet information requirements - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Approval Process Control: Manage the process of evaluating documents or requests submitted for approval - Approval Workflow: Route documents and other data through one or more stakeholders for review and approval - Asset Accounting: Manage adding fixed assets to proposed budgets - Asset Tracking: Monitor the usage of assets, such as equipment, tools, software, etc., throughout their lifecycle - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Automated Quoting: Generate rule-based quotes for clients automatically - Automatic Backup: Data is backed up automatically to prevent data loss - Automatic Billing: Setup and send recurring or automated bills - Bank Reconciliation: Xero helps you automate bank reconciliation with live feeds, smart matching, and rule-setting. Reviewers indicate it saves significant time, is easy to use, and integrates with banks and platforms like Revolut, though some report occasional feed disconnections and setup challenges. - Benefits Management: Record employee's benefit plans and selections throughout career progression - Billing & Invoicing: With Xero’s billing and invoicing, you can quickly create, customize, and send invoices, automate reminders, and manage recurring billing. Reviewers appreciate its ease of use, branding options, online payment integration, and time-saving automation, though some find template setup cumbersome. - Billing Portal: Gateway through which end users can view past bills and pay current invoices - Budgeting/Forecasting: Create budgets based on historical data and future projections - Calendar Management: Track and manage schedules and meetings via an integrated calendar - Case Management: Work on a set of tasks related to a particular charge, patient, legal issue or any other complex entity or process - Cash Flow Management: Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period - Cash Management: Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances - Catalog Management: Create and manage digital catalog of products/services with their details, specifications, and price - Chart of Accounts: A financial statement that lists a company's accounts and details the account type and balance - Check Printing: Print paychecks issued to confirm payment of wages or salary - Check Processing: Receive and deposit or issue and record check payments - Check Writing: Issue payments to third parties via checks - Client Management: Manage contact details and communication with clients - Client Portal: Private online space that lets businesses securely share documents and provide information access to clients - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Consolidation/Roll-Up: Combining loans, assets, liabilities, and other financial data from multiple subsidiary companies into one entity for reporting - Contact Database: Centralized database of stakeholders and their contact information such as names, address, phone number etc. - Contact Management: Manage, organize, and store contact information - Contingency Billing: Business model where clients pay their lawyer a fee only if the case is won/settled successfully - Contract/License Management: Track, store, and access client contracts or licenses - Cost Tracking: Process to track, record, and analyze expenses that occurred over the entire duration of a given project - CPA Firms: Software for Certified Public Accountants to aid clients in achieving financial goals. - Credit Card Processing: Accept and process credit card transactions - Currency Conversion: Change one currency to another based on real-time rates/values - Customer Database: A collection of customer information such as contact details, demographics, previous interactions, etc. - Customer History: Access previous interactions or concerns to maintain customer relationships - Customer Statements: Reports that show customers their invoices, payments, and balance on the account - Customizable Branding: Add customized logos and colors to align with company branding - Customizable Invoices: Invoices that can be tailored according to company's branding, payment terms and personalized information - Customizable Reports: Alter the layout and content of reports - Customizable Templates: Pre-designed layouts that can be customized to match preferences and requirements - Dashboard: Assembly of graphs and charts for visualizing and tracking statistics/metrics - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Data Synchronization: Synchronizing data between two or more devices/systems and automatically updating changes to maintain consistency - Data Visualization: Graphical representation of data - Delivery Management: Manage order deliveries until they are received by the customers - Direct Deposit: Digitally deposit correct payroll amounts into individual employee's bank accounts - Discount Management: Track products that are for sale at a reduced price or part of coupon promotions - Document Management: Store, manage, and track all electronic documents in a centralized location - Document Storage: Store and organize documents in a centralized system - Document Templates: Customizable sample documents that contain placeholder text or a standard layout that can be repeated for each new file - Drag & Drop: Assemble applications and processes by dragging over and arranging pre-built components - Due Date Tracking: Ability to identify, sort on and alert participating parties about the approaching date by which action has to be taken - Dunning Management: Process of automatically notifying clients when payments fail to ensure invoices are paid - Duplicate Payment Alert: Receive an automatic notification when the exact same payment is about to be initiated for the second time - Electronic Payments: Electronically collect payments for goods or services - Email Management: Manage, store and organize emails within the system or via third-party apps - Encryption: Convert data into a code for security - Estimating: Estimate expected cost based on various factors before a project begins - Expense Claims: Attaching relevant receipts or supporting documents to submit expenses for reimbursement - Expense Management: Plan, pay and track business related expenses. - Expense Tracking: Monitor and record expenses such as purchases or charges incurred - Financial Analysis: Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk - Financial Management: Plan, manage, and track the financial activities of an individual or organization - Financial Reporting: Xero provides customizable, real-time financial reports with dashboards, budgeting, and export options. Some users say the variety and flexibility support planning and compliance, but a few mention the interface can be confusing and finding specific reports sometimes takes extra effort. - Fixed Asset Management: Centralized database to track details of fixed assets such as depreciation and maintenance scheduling/history - For Accountants: Software specialized for accountants and accounting firms - For AEC Industry: Primarily serving architecture, engineering, and construction industry professionals - For CPA Firms: Software specialized for certified public accountants (financial advisors) who help outside entities reach financial goals - For Legal Professionals: Specifically designed to address the needs of law firms and legal departments - For Real Estate: For realtors, real estate investors, property managers, and other real estate professionals. - For Religious Organizations: Primarily serving churches and religious organizations - For Schools: Designed to be used by kindergarten, primary, middle, and senior secondary schools. - For Small Businesses: Designed for small businesses - Forecasting: Form predictions based on past and present data/trends - Fraud Detection: Identify and prevent suspicious activity - Fund Accounting: Manage revenue acquired through grants, donations, and other sources (accountability vs. profitability) - Fund Management: Manage allocation and performance of financial assets - General Ledger: Centralized accounting record which tracks all financial transactions - Hourly Billing: Business model that charges based on the amount of time spent on an hourly basis - Income & Balance Sheet: Xero offers easy access to income statements and balance sheets, letting you customize, export, and drill into details. Users think reports are clear, quick to generate, and helpful for tracking business performance, but some mention the interface could be more intuitive for non-accountants. - Inventory Control: Monitor product stock levels - Inventory Management: Track and manage inventory levels to maintain proper supply - Inventory Optimization: Maintain and control the stock level of inventory - Inventory Tracking: Track and monitor inventory items, such as raw materials, unfinished goods, and ready-to-sell items - Invoice Creation: You get a straightforward way to create, customize, and send invoices, including recurring and draft options. Reviewers appreciate the intuitive process, time savings, and professional results, though some prefer the older interface and wish for more preview and integration options. - Invoice History: Store and view prior invoices for each account/client - Invoice Management: Captures invoice data and maintains comprehensive records for auditing and reporting purposes - Invoice Processing: Creation, processing, verification, and execution of invoices till the payment is made - Job Costing: Calculate total itemized costs, including initial costs and any changes - Kitting: Group and package individual but related items as one package set - Mobile Access: Access software remotely via mobile devices - Mobile App: Access the system via a mobile application - Mobile Payments: Clients can submit payments via mobile devices - Monitoring: Observe and track the demand, usage, progress or quality of a system, product, or user - Multi-Channel Management: Manage inventory, communication, marketing, orders & more across warehouses, stores and online channels - Multi-Company: Manage the accounting and financial aspects of multiple locations or companies in a single location - Multi-Country: Pay employees in multiple countries using correct currencies and correct tax deduction amounts - Multi-Currency: Manage and handle various international currencies - Multi-State: Pay employees in multiple states with correct tax deduction amounts in each - Online Banking: Ability to manage transactions online with a mobile device or computer. - Online Invoicing: Create, send, and view electronic invoices - Online Payments: Accept and process online payment transactions - Order Management: Manage and track customer orders for goods, investments, or any other purchases - Order Tracking: Track orders throughout the fulfillment process - Overpayment Processing: Flag a transaction when a customer pays more than they owe and either refund the overpayment or save the overpayment as a credit - Partial Payments: Allow customers to make a partial payment on an invoice and track remaining debt - Payment Collection: Tracking, managing, and initiating the transfer of funds for overdue customer payments - Payment Processing: Accept, record, and reconcile financial transactions - Payroll Management: Manage employee salary processes, data, taxes, and records administration efficiently - Payroll Reporting: View and track payroll metrics including tax liabilities, pay rates, working hours, deductions and more - Performance Metrics: A set of indicators that tracks the performance of networks, applications, systems, teams, etc. - Price/Margin Management: Track and manage the profit margin between the cost of a product and its selling price. - Pricing and Cost Calculations: Calculate rule-based prices for a product/service - Pricing Management: Tool used to determine accurate pricing and product eligibility for borrowers - Product Identification: Ability to link barcodes or serial numbers with specific items for identification - Profit/Loss Statement: A type of financial statement used to record and report an organization's revenues, costs, and expenses over a specific amount of time - Progress Tracking: Reporting on how each user, task or process has advanced since its initiation - Project Accounting: Manage and track financials on a project-to-project basis - Project Billing: Business model that bills clients an amount based on the project/task/job performed - Project Management: Plan and coordinate all the resources, costs and time needed to execute assignments - Project Tracking: Monitor the progress of projects from start to finish - Purchase Order Management: Create, send, and track purchase orders and their statuses - Quotes/Estimates: Generate quotes or estimates for customers - Real-Time Data: Receive data and information in real time - Real-Time Reporting: Active reporting of data and metrics - Receipt Management: Upload, track, and submit receipts in a central database - Receivables Ledger: A list of customers and their payments due updated on a monthly basis - Recurring Invoicing: Generate recurring invoices - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reimbursement Management: Manage compensation for out-of-pocket expenses incurred by an employee, client or another party - Reminders: Timed notification for any upcoming task, deadline, appointment, or activity - Remote Access/Control: Access work applications remotely, for when working away from the office and/or traveling - Reorder Management: Purchase and replenish product stock based on inventory levels and needs - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Requisition Management: Review, approve and cancel requests for goods/services to be purchased - Retail Inventory Management: Tracking, organizing, and controlling retail inventory throughout the supply chain and sales process - Revenue Recognition: An accounting principle that identifies the specific conditions in which revenue is recognized and determines how to account for it. - Sales Reports: Reports specific to sales analysis for trends and strategies - Sales Tax Management: Calculation of consumption tax imposed on the sale of goods/services - Search/Filter: Search and filter data across systems to locate required information by entering keywords or certain criteria - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information - Shipping Management: Manage and track orders being shipped to customers - Sourcing Management: Negotiate best prices and choose the right vendor for various purchases - Spend Management: Track the amount of money spent on a certain product or with a certain supplier - Staff Management: Schedule shifts for staff/employees, track hours worked, and manage staff payroll - Status Tracking: Track the status over time for a request, process, asset, or transaction - Supplier Management: Manage all supplier data and operations - Task Management: Create, manage and track all task activities and progression - Tax Calculation: Calculate tax and make deductions on gross income from sources like wages, investments or self-employment - Tax Compliance: Track tax-related transactions, tax remittance and tax reporting for various groups of employees and contractors - Tax Management: Implementation of various strategies to manage tax obligations via planning and maintaining compliance - Template Management: Create, save, and re-purpose templates for emails, forms, etc. - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Time & Expense Tracking: Log and record hours worked and costs spent to assist in billing and invoicing - Time Tracking: Measure and track time including hours worked and paid time off (PTO) - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Management: Manage, record and track all business exchanges in form of money and its related interactions in the system - Trust Accounting: Manage bookkeeping for client trust accounts - Vacation/Leave Tracking: Request, track, and manage time off requests and vacation time - Vendor Management: Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. - W-2 Preparation: Automatically create and distribute W-2/1099 tax forms to employees. - Wage Garnishment: Automatically subtract garnishments from wages - Warehouse Management: Manage and track operations and inventory within warehouses --- Get Advice We can help you find the software with the features you need. Features 4.3 (2,657) 4.3 Based on 2,657 reviews ## Pricing Value for money 4.2 (2442) Free Trial [View pricing plan details](https://www.capterra.com/p/120109/Xero/pricing/) Starter $25.00 Flat Rate,Per Month It includes: - Send Quotes And 20 Invoices - Accept Online Invoice Payments - Enter 5 Bills - Make Online Bill Payments - Reconcile Bank Transactions (Auto-reconcile, Beta) - Capture Bills And Receipts With Hubdoc - View Real-Time Reports - W-9 + 1099 Management - Sales Tax - Forecast Cash Flow (30 Day Forecast) - Visualize Performance With Graphs (Basic) - Use Multiple Currencies - Claim Expenses - Inventory Plus (Optional, first month free) Standard $55.00 Flat Rate,Per Month It includes: - Send Quotes And Unlimited Invoices - Enter Unlimited Bills - Make Online Bill Payments - Reconcile Bank Transactions (Auto-reconcile, Beta) - Capture Bills And Receipts With Hubdoc - View Real-Time Reports - W-9 + 1099 Management - Sales Tax - Forecast Cash Flow (30 Day Forecast) - Visualize Performance With Graphs - Customize Performance Dashboards - Tailored Financial Health Scorecards - Analyze KPIs And Ratios - Use Multiple Currencies - Track Projects - Claim Expenses - Inventory Plus (Optional, first month free) Premium $90.00 Flat Rate,Per Month It includes: - Forecast Cash Flow (180 Day Forecast) Value for money 4.2 (2,442) 4.2 Based on 2,442 reviews ## Integrations [ PayPal](https://www.capterra.com/p/207944/PayPal/)[ Google Workspace](https://www.capterra.com/p/247901/Google-Workspace/)[ Microsoft 365](https://www.capterra.com/p/227157/Microsoft-365/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ QuickBooks Time](https://www.capterra.com/p/151722/TSheets/)[ Zoho CRM](https://www.capterra.com/p/155928/Zoho-CRM/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.0 (2331) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.0 (2,331) 4.0 Based on 2,331 reviews ## User reviews Overall rating 4.4 Based on 3,323 reviews Filter by rating 5(1979) 4(939) 3(243) 2(69) 1(93) Mentioned topic Sorted by most recent GO Gabriella O. Human resources manager Telecommunications ### "Xero is powerful but not without its drawbacks " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 September 3, 2026 Pros Xero makes invoicing simple with quick professional invoices and automated payment tracking.I also like how its reporting offers clear real time financial insights to support smarter decisions. Cons Sometimes it’s pricing can be higher for smaller businesses ,anything else was perfect while working with it. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Jatin K. Accountants Accounting ### "AI-Powered Financial Management and Automation" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 9/10 September 2, 2026 Xero JAX solves the problem of spending too much time manually reviewing financial data, reconciling transactions, creating invoices, and trying to understand business performance from multiple accounting reports. In my experience, it helps by bringing these tasks into a conversational AI workflow, allowing me to get financial insights and complete routine accounting activities more quickly. For example, when I needed to understand why our cash flow had become tighter over a particular period, instead of manually going through several reports and transactions, I could use JAX to analyze the relevant financial information, identify changes in income and expenses, and highlight the areas that were affecting cash flow. I could then use those insights to investigate specific invoices or expenses and take appropriate action. This saves me significant time, reduces repetitive manual work, makes financial information easier to understand, and helps me make faster, more informed business decisions. Pros What I like most about Xero JAX is that it brings AI directly into the accounting workflow, making financial management faster, easier, and more efficient. I can use natural-language questions to quickly understand financial performance, cash flow, income, expenses, invoices, and other business data without manually searching through multiple reports. JAX also helps automate repetitive tasks such as invoice creation and bank reconciliation, which saves time and reduces manual effort. Its ability to analyze financial trends, provide actionable insights, work with uploaded documents, and combine Xero data with relevant external information makes it especially useful for business decision-making. I also appreciate that it works within Xero’s existing permissions and security framework, while features such as reviewable AI actions provide greater visibility and control. Overall, JAX improves productivity, reduces routine accounting workload, and makes complex financial information much easier to understand and act on. Cons What I dislike about Xero JAX is that, despite its strong AI capabilities, it still requires human oversight for important financial and accounting decisions. Some AI-generated responses or recommendations may need to be verified before I rely on them, particularly when dealing with sensitive financial, tax, or compliance-related matters. Its functionality can also depend on my Xero subscription, user permissions, country, and the specific features available to my account, which can make the overall experience less consistent. Some advanced capabilities are still evolving or in beta, so the feature set and performance can change over time. I also find that JAX is most valuable when the business is already deeply invested in Xero, while users expecting a completely autonomous accounting solution may find its limitations frustrating. Overall, I see JAX as a useful AI assistant, but it still needs improvement in consistency, coverage, and the level of automation it can safely provide. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. KH Kira H. Information consultant Information Services ### "Efficient Cloud Accounting That Keeps Daily Bookkeeping and Bank Reconciliation Effortless"" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 August 28, 2026 Our financial procedure has been greatly improved using Xero. Our monthly closing time was nearly halved by switching to cloud accounting, which also eliminated the need for manual spreadsheet tracking. Instead of hurrying around tax time, we can classify spending on a daily basis by connecting bank feeds directly into Xero. Our cash flow has also significantly improved because to the platform's capacity to issue invoices instantly and monitor when clients read them. Although there are a few small issues with direct support response times, the platform's dependability and efficiency improvements make it an essential tool for our operations. Pros I really enjoyed the strong third-party integration library—it makes connecting with Stripe, PayPal, and payroll processors seamless. The clean, modern dashboard also provides a clear snapshot of cash flow, unpaid invoices, and upcoming bills at a glance. Cons Customer support is primarily ticket- and email-based, so getting a quick response to urgent, real-time issues can take longer than desired. Recent price-tier increases also make the platform somewhat expensive for micro-businesses that only need basic invoicing features. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Joy C. Founder Accounting ### "Xero - best accounting software!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 25, 2026 Excellent - I'm a huge fan of Xero. If you want accounting software that works, has great integrations, isn't bloated with a lot of things you don't need, and doesn't try to sell you something every time you open the software, try Xero. Pros Xero is excellent accounting software! In my bookkeeping practice, Xero is the software we recommend for new clients. It's easier for business owners to use than its competitors, but has the same full functionality. There is almost no downtime, the software just works as software should. I run my practice on Xero as well. Cons They've rolled out so many new features in the past year or so that almost anything we might have complained about has been addressed. The one thing we are still waiting on is the release of progress invoicing, but I understand that's on the roadmap. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Xero is easier to use, has more features for a lower price point. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reasons for choosing Xero More features, ease of use, reliability - less downtime. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Julian M. CPO Computer Software ### "Good for very small companies. " 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 August 24, 2026 It was a straightforward experience. We didn't require much functionality as our needs are very basic. Pros Very easy to set up when we needed to pay our staff. We were a small company, but as soon as we took employees on board, we needed a paywall that would be straightforward to configure. Cons We didn't immediately get clarity on the situation regarding pensions, but that is fortunately now cleared up. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JF Jacs F. Owner Hospitality ### "Finally ready for Making Tax Digital" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 August 19, 2026 Super easy to tag expenses to specific properties and track rent coming in, though setting up separate tracking categories took a little tinkering. Pros Honestly, it just makes invoicing super easy and keeps everything organized without feeling like actual accounting. Cons I wanted to get ahead of Making Tax Digital before it becomes mandatory, but it took a bit to get the hang of, and the price keeps going up for basic features. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LP Luke P. Head of Support Information Technology and Services ### "Best software as long as you get the right package " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 2.0 2.0 Likelihood to Recommend 8/10 August 15, 2026 Very positive overall just make sure that you get the right package else you'll have to keep having add ons or be rather limited Pros Best bank matching and reconciliation around. The reporting is fantastic and allows us to pull reports for management as needed. Cons The support could be better. A little frustrating you can't just pick up the phone and speak to someone if you have a quick query Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Abhishek A. CEO Architecture & Planning ### "Great Invoicing portal for small businesses." 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 August 10, 2026 Overall experience has been great with Xero. I have been sending invoices and I don't have any issue with my invoicing portal. My clients view invoices and pay them directly. Pros Over the years, Xero has made significant changes in the way they structure their invoices. I have been using Xero for sending invoices and so far it has been great. Invoicing customization is perfect and I can link my payment options along with the invoice. Cons The pricing part remains my turn off for Xero. Number of invoices is still less for a value per month. I guess this should be unlimited for all the subscribers. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Lexus K. Cleaner Hospitality ### "Dependable app" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 5/10 August 6, 2026 Pros I like Xero because it makes keeping track of finances much easier. The dashboard is clean and easy to understand, so I can quickly see invoices, expenses, and account balances in one place. I also like that it's cloud-based, which means I can access my information from anywhere. Overall, it helps keep everything organized without feeling too complicated. Cons One thing I don't like about Xero is that some features can take a bit of time to learn if you're new to accounting software. I also think some reports and settings can be harder to find than they need to be. While it works well overall, it can feel a little overwhelming at first, especially if you only need it for basic bookkeeping tasks. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. VO Vincent O. Owner Accounting ### "Recommend Xero for small busines" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 6, 2026 Overall, I highly recommend it for small businesses that do not have very much accounting to do ( for example, they have income and expenses) Pros Very easy to use, very easy to install and set up. Great customer service and very inexpensive for a small business. Cons They push a little too much on trying to get referrals. They also team up with 3 rd parties and try to get you to use these third parties. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/120109/Xero/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. 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