--- 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" publication_date: "2026-10-19" --- # Xero Software Review 2026: Features, Integrations, Pros & Cons Last updated on October 19, 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 3,333 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 (681)](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 (2,080)](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 (718)](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 [4.4 (243)](https://www.capterra.com/p/96371/Acumatica-Cloud-ERP/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 92% 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 fragmented, manual bookkeeping by centralizing invoicing, expense tracking, bank feeds, payment matching, and financial reporting. Automated reconciliations, recurring invoices, and payment reminders reduce data entry and overdue-payment follow-up, while real-time cash-flow dashboards support decisions. Small businesses, finance teams, accountants, nonprofit staff, and owner-managers benefit most. Answer based on 1766 reviews Overview ### Which roles and teams benefit most from Xero? Xero is most used by business owners, directors, CEOs, and managing directors who need visibility into cash flow, invoices, and financial performance. Accountants, bookkeepers, and finance managers manage reconciliations, reporting, and client accounts, while office and operations managers support billing, expense tracking, and day-to-day financial administration. Answer based on 2854 reviews Overview ### What company size and industries is Xero built for? Xero is built for small businesses across sectors, with 88% of reviewers from small companies and Accounting the top industry at 13%. It also serves agriculture, construction, education, healthcare, and hospitality, while Information Technology and Services accounts for 8% of reviewers and Marketing and Advertising for 6%. Answer based on 3332 reviews Features and Usability ### What are the key features of Xero? Xero includes billing and invoicing tools for creating, sending, tracking, and recurring online invoices, plus payment processing for accepting payments. Core accounting features include bank reconciliation, expense tracking, general ledger entries, and financial reporting such as profit and loss, balance sheet, and budget variance reports. Xero also covers Compliance Management and Tax Compliance. Answer based on 445 reviews Pricing ### How much does it cost and what fees or limitations are included? Xero offers Starter at $25 per month, Standard at 55, and Premium at 90, with a free trial available. Starter limits invoices to 20 and bills to five monthly; Standard removes the invoice limit and allows unlimited bills. Reviewers note add-on apps can raise total costs, while some consider subscriptions expensive for small businesses. Answer based on 480 reviews Integrations ### Which third-party tools and platforms does Xero integrate with? Xero supports over 140 integrations, including Stripe, PayPal, Gusto, Shopify, Zapier, Dext, Hubdoc, and GoCardless. Its connections cover payment processing, payroll, ecommerce, automation, document capture, and direct-debit payments. Xero also exports financial data to Microsoft Excel for reporting and analysis. Answer based on 451 reviews Getting Started and Support ### How easy is it to onboard and train a team on Xero? Xero is relatively easy to onboard for staff handling everyday invoicing, bank reconciliation, and basic bookkeeping; reviewers say non-accountants and new employees often learn these tasks quickly. Training is available through in-person and live online sessions, webinars, documentation, and videos. Advanced accounting features and teams moving from other systems usually require more time and guidance. Answer based on 210 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, knowledge base, 24/7 live representative support, and chat. Users often describe quick, helpful resolutions and useful articles, but experiences vary: some report delayed responses for urgent or complex issues, difficulty reaching direct assistance, and reliance on written support or community resources. Answer based on 532 reviews Security ### How does Xero handle data security and access control? Xero uses two-factor authentication, user profiles and permission levels, read-only access, and audit trails that show user edits. Administrators can add or remove users and share varied access with accountants and staff. Reviewers note permissions and role options are often not granular enough, sometimes exposing unrelated financial data; some also report login-code delays and lockouts. 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 11,413 Accounting reviews Capterra data shows that buyers of accounting software rank the following features as their top priorities: - **Reporting/Analytics** (**58%** of reviewers rated this feature as critical) - **Income & Balance Sheet** (**58%**) - **Inventory Control** (**55%**) Xero supports all three of the features reviewers rate highest: **Reporting/Analytics**, **Income & Balance Sheet**, and **Inventory Control**. Together, these capabilities give businesses clear visibility into financial performance, help teams track assets and liabilities accurately, and make it easier to manage stock levels, allowing teams to make informed decisions and keep day-to-day accounting work organized. Reporting/Analytics 4.5 (67) 74.63% of 67 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data Income & Balance Sheet 4.5 (413) 73.12% of 413 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. Inventory Control 4.5 (52) 63.46% of 52 reviewers that rated this feature as important or highly important Monitor product stock levels Tax Compliance 4.8 (14) 78.57% of 14 reviewers that rated this feature as important or highly important Track tax-related transactions, tax remittance and tax reporting for various groups of employees and contractors Invoice Processing 4.6 (247) 71.66% of 247 reviewers that rated this feature as important or highly important Creation, processing, verification, and execution of invoices till the payment is made Billing & Invoicing 4.6 (653) 67.53% of 653 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. 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 (2,667) 4.3 Based on 2,667 reviews ## Pricing Value for money 4.2 (2451) 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: - Analyze KPIs And Ratios - Track Projects - Claim Expenses - Inventory Plus (Optional, first month free) - Tailored Financial Health Scorecards - Use Multiple Currencies - 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 Premium $90.00 Flat Rate,Per Month It includes: - Forecast Cash Flow (180 Day Forecast) Value for money 4.2 (2,451) 4.2 Based on 2,451 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 (2341) 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 (2,341) 4.0 Based on 2,341 reviews ## User reviews Overall rating 4.4 Based on 3,333 reviews Filter by rating 5(1986) 4(940) 3(244) 2(69) 1(94) Mentioned topic Sorted by most recent RB Rachel B. CEO Executive Office ### "Good Product but not for Hourly Charges" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 6/10 October 10, 2026 OK but find that some of the functionality isn't particularly user friendly. The pricing also seems to creep up on a regular basis Pros I like the ease of setup and that it integrates with lots of different products and other software systems Cons When trying to do invoices for time you have to work out the decimal value of the hour which is really frustrating. 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. EA Eric A. Chiropractor Health, Wellness and Fitness ### "Easy to use for a Luddite like me" 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 8/10 October 8, 2026 Relatively easy to use once the setup is completed. I benefitted a lot from chatting with the account rep during the initial setup. I'd recommend that to anybody that decides to use Xero. Pros I enjoy the auto fill feature in the reconciliation process. The program tends to learn well about what I will label an expense as. Cons The setup itself can be challenging, especially for someone unfamiliar with the accounting process. Importing all of my bank information and setting up which accounts connect to other accounts has me confused as I try to navigate it on the Xero page. Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reasons for choosing Xero The initial discount really won me over because I heard they're about the same 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. HW Harlan W. Managing Partner Accounting ### "Switched our whole client book over, no regrets." 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 8/10 October 7, 2026 We ran our practice on desktop software for eleven years before finally moving over. My staff picked the new system up in just a week, that really matters when you’ve only got four people and tax season doesn't wait for anyone. The support team actually sounds like humans who’ve looked at a general ledger before. For any small accounting firm handling client books, I’d recommend it without much hedging. Pros Bank feeds reconcile clean, which is a lifesaver. I used to burn two evenings a month just chasing down coding errors on client files, now, it takes maybe an hour. It’s nice to get those evenings back. The dashboard tells me which clients haven’t paid before I even open my email. Cons Report customization takes longer than it should. When I'm building a management pack for a client with three revenue streams, I'm basically fighting the layout editor the whole time, it’s just a chore. It’s minor, though, once a template is saved, I can just reuse it. I did have a bank feed drop silently last March. 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. Pedilson A. IT Information Technology and Services ### "Facidade de uso" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 10/10 October 2, 2026 Actualmente, o Xero continua com uma otima facilidade de uso, simplicidade nas operações como geração de automática de faturas Pros \- Possibilidade de adicionar vários usuários sem custos extras; - Otima integração com aplicstivos de terceiros; - Boa Otimização na leitura e cruazamento de dados de extratos bancário. Cons Como pequeno empreendedor, o Xero ainda tem um custo beneficio alto para mim, Algumas funções avançadas como contabeis requer conhecimento avançado 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. Tenequia L. Owner Accounting ### "Great product " 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 6/10 September 25, 2026 I loved using this platform. It made is so much easier for me to manage all the needs of the business. I love u can upload receipts and the expense tracking is one of a kind Pros Invoicing and Billing: it allows you to Create, send, and track professional customer invoices and set up recurring payments.Bank Reconciliation: Connect bank feeds to automatically import and match transactions with your financial records.Expense Tracking: Capture bills, receipts, and track everyday business spending Cons The thing I liked the least was the price. It gets pricey after the free trials. I also wish the trial period was longer so I could have made a better decision if I wanted to keep using it not. I had 14 days 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. Gagandeep S. Director Accounting ### "\*\*Easy-to-Use and Reliable 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 9/10 September 22, 2026 Overall, my experience with Xero has been positive. It is easy to use, helps keep finances organised, and makes tasks such as invoicing and expense tracking much more efficient. There is a slight learning curve for some advanced features, but overall it is a reliable and useful accounting platform. Pros I liked how easy Xero is to use, especially for managing invoices, expenses, and keeping track of finances. The interface is clear and user-friendly, and it saves time by making routine accounting tasks more straightforward. Cons The main downside is that some features can take time to learn, and certain advanced functions may feel complicated for new users. The subscription cost can also be expensive for small businesses. 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. MR muhammed R. technical engineer Computer Networking ### "Simple and Reliable Accounting Solution" 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 September 21, 2026 Pros Xero is easy to use and makes accounting tasks simple and organized. I especially like the clear reports, invoicing features, and easy access from anywhere. Cons Some advanced features can take time to learn, and the pricing may feel a little high for smaller businesses. 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. GS Girish S. Engineering Lead Information Technology and Services ### "Smooth Accounting with Xero" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 September 17, 2026 My overall experience with Xero has been smooth, simple, and efficient. It makes everyday tasks like bank reconciliation and invoicing quick; the interface is clean, and it keeps everything organised without much effort. It’s been reliable and easy to use. Pros The thing I liked most about Xero is its bank reconciliation. It’s fast, accurate, and saves a huge amount of admin time. The automatic bank feeds and smart matching make daily bookkeeping feel effortless. Cons Sometimes the feeds disconnect or take a long time to update, which slows down reconciliation. It doesn’t happen all the time, but when it does, it’s annoying because it breaks the smooth workflow Xero is known for. 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. SP Susan P. DM Accounting ### "Simple and Reliable Accounting for Everyday Business" 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 September 17, 2026 Overall, my experience with Xero has been good. It is easy to use, keeps accounts organised, and makes invoicing, expenses, and day-to-day bookkeeping much easier. Pros I like that Xero is easy to use and makes everyday accounting much simpler. It is helpful for tracking income and expenses, creating invoices, and keeping financial information organised in one place. Cons Some features can take a little time to understand, and the pricing can feel expensive for smaller businesses. 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. RC Ron C. Engineering and Maintenance Leader Industrial Automation ### "A simple accounting" 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 September 13, 2026 Pros Clear interface that's easy to pick up even without advanced accounting training, good tracking of expenses related to our raw material purchases, financial reports generated quickly, accessible from any device. Cons Fatures sometimes limited for a complex industrial environment, less natural integration with our production management tools customer support not always very responsive 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. [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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