# Xero Software 2026: Features, Integrations, Pros & Cons | Capterra > Capterra's in-depth exploration of Xero Software's capabilities reveals its suitability for various software needs and provides a comprehensive overview of Xero Software pricing, features, integrations, and potential alternatives. Source: https://www.capterra.com/p/225791/Xero --- # Xero Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 12, 2025 Written byAmita Jain Amita Jain Amita Jain is a senior writer for Capterra, covering finance technology with a focus on expense management and accounting solutions for small and midsize businesses. Her work has been featured in Careers360, among other publications. [See bio & all articles](https://www.capterra.com/resources/author/ajain/) Edited byParul Sharma Parul Sharma Parul is an editor at Capterra with over half a decade of experience curating news, IT, software, finance, lifestyle, and health content. She excels at simplifying complex terms into engaging content for SMBs. Parul has worked as a feature wri... [See bio & all articles](https://www.capterra.com/resources/author/parul-sharma/) Written by [Amita Jain](https://www.capterra.com/resources/author/ajain/) Amita Jain is a senior writer for Capterra, covering finance technology with a focus on expense management and accounting solutions for small and midsize businesses. Her work has been featured in Careers360, among other publications. Edited by [Parul Sharma](https://www.capterra.com/resources/author/parul-sharma/) Parul is an editor at Capterra with over half a decade of experience curating news, IT, software, finance, lifestyle, and health content. She excels at simplifying complex terms into engaging content for SMBs. Parul has worked as a feature writer for DNA India, India’s premier media portal. She was also the highest scorer in her English literature graduation and post-graduation class. [Key takeaways](#key-takeaways)[Our verdict](#our-verdict)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Interface](#interface)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Xero Xero Overview: ### Key takeaways Insights from verified Capterra reviews Xero helps small businesses simplify accounting, invoicing, and reporting. Finance and admin teams value its clean interface and flexible reports. While support and budgeting tools have limits, standout features like profit or loss statements and payroll reporting help teams stay organized. Recent updates, including Syft analytics and online payment integration, add depth for businesses ready to grow. ### Our verdict Xero is a practical choice for small businesses that want to automate core accounting tasks without a steep learning curve. Its reporting and invoicing tools are well-rated, but buyers should weigh the trade-offs in support responsiveness and feature depth before committing to higher-tier plans. Overall rating Based on 3,269 user reviews Reviews sentiment Positive 88% Neutral 7% Negative 5% Pros & cons Accessible and intuitive platform Comprehensive financial oversight tools Recurring technical problems Slow and limited support channels Starting price $25 Flat Rate, Per Month Free trial available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Xero alternatives If Xero’s interface, feature mix, or pricing model doesn’t align with your business needs, explore other accounting tools that may offer a better fit for your workflow, reporting preferences, or integration requirements. Highest Rated [4.4 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting price $20.00 Per User, Per Month [4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing [4.3 (606)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing [4.2 (1,291)](https://www.capterra.com/p/135618/Odoo/reviews/) Starting price $31.10 Per User, Per Month [View all alternatives](https://www.capterra.com/p/120109/Xero/alternatives/) ## 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 92% positive reviews out of 386 Most reviewers describe ease of use as a major benefit, highlighting Xero’s intuitive layout, straightforward navigation, and simple onboarding for users with varying experience levels. Recurring technical problems 54% negative reviews out of 129 Some reviewers find bugs and issues persist, with glitches, syncing errors, and slow fixes disrupting workflow and requiring manual intervention. Jon V Owner, 2 - 10 employees. "Do not plan on getting any help if you have any questions. If something goes wrong, you will just have to deal or figure it out on your own because offers no help. " Comprehensive financial oversight tools 90% positive reviews out of 200 Most reviewers indicate financial management features help monitor cash flow, automate reporting, and provide real-time insights for informed business decisions. Susan W Animal Feed Nutrition Expert, 201 - 500 employees. "Xero is a so helpful financial management tool that helps us run our cash flow very effectively and efficiently." Slow and limited support channels 81% negative reviews out of 111 Most reviewers report email support is slow, lacks phone or chat options, and delays issue resolution, causing frustration during urgent situations. 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" Streamlined bookkeeping processes 89% positive reviews out of 169 Most reviewers appreciate bookkeeping for simplifying record-keeping, automating reconciliations, and reducing manual work for small businesses and startups. Sonia T Accountant, 2 - 10 employees. "It is well developed to simplify and expedite a bookkeeper and accountant's work, and keep track of the success of each business." Restrictive multi-currency functionality 52% negative reviews out of 56 Some reviewers indicate multi-currency support is costly, limited to higher plans, and lacks flexibility for international transactions and reporting. Santhiya R Executive hub operations , 501 - 1,000 employees. "It dose not support multi currency in basic plan." ## Xero's interface Xero’s interface is praised for its clean layout and customizable invoice creation. Users note fast navigation and clear visual structure. Some reviewers mention minor clunky line-item entry and limited built-in analytics, which may slow deeper financial comparisons. Amita Jain You’ll find Xero’s interface easy to navigate for daily tasks, such as invoicing and reporting; reviewers say setup is quick and layouts are clear, though adding custom fields or comparing reports may take extra steps due to limited built-in flexibility. Ease of Use 4.4 (2,771) 4.4 Based on 2,771 reviews ## Key features View by: These features have been rated as most important by users based on their reviews. View by: Get Advice We can help you find the software with the features you need. Amita Jain Xero’s highest-rated features help you manage core financial tasks with speed and clarity; together, they simplify reporting, automate billing, and support daily accounting without needing complex setup or manual tracking. Features 4.3 (2,603) 4.3 Based on 2,603 reviews The Xero features below were rated the highest by our reviewers. Our commentary is based on reviewer sentiment and collective feedback from reviews published in the past two years. Profit or loss statement 4.6 (102) 102 reviewers rated this feature Customize layouts, filter by date or location, and export to PDF or Excel. This feature helps monitor cash flow and supports audits with real-time insights. Some users find the newer version less helpful for comparisons. Payroll reporting: 4.5 (27) 27 reviewers rated this feature Track payroll expenses, taxes, and employee data with clear reporting. Users value easy return submissions and third-party exports. Professional setup is recommended due to payroll complexity. Real-time reporting 4.5 (33) 33 reviewers rated this feature Access up-to-date financial data with automated syncing and customizable dashboards. Reviewers highlight its role in managing expenses and collaborating with accountants. Some wish for deeper customization. Accounting 4.5 (173) 173 reviewers rated this feature Manage revenue, expenses, and reconciliation with cloud access and automation. Users appreciate integrations and report flexibility, though advanced customization is limited. Invoice creation 4.5 (303) 303 reviewers rated this feature Generate professional invoices with logos, terms, and attachments. Features include recurring billing, drafts, and quote conversion. Some users report UI friction when adding line items. Invoice history 4.4 (129) 129 reviewers rated this feature Track invoice status, search by customer or date, and generate reports. Cloud access and accounting integration support payment tracking and reconciliation. Some users want more detailed audit trails. Project accounting 2.7 (23) 23 reviewers rated this feature Tracks financials for specific projects, but lacks depth and flexibility for complex workflows. Purchase order management 3.1 (32) 32 reviewers rated this feature Offers basic functionality, mainly generating PO numbers on documents. Reviewers say it lacks integration with inventory and procurement modules, forcing reliance on external tools and manual data transfers. Budgeting or forecasting 3.1 (44) 44 reviewers rated this feature Provides basic tools for financial planning, but may fall short for teams needing granular control or predictive modeling. Fixed asset management 3.3 (23) 23 reviewers rated this feature Tracks depreciation and asset value, but may not offer sufficient reporting or integration for larger inventories. Advanced KPI analysis 0 reviewers rated this feature Track and compare key performance indicators across time periods or business units. This feature supports customization of metrics for deeper financial insights and monitoring of trends that impact profitability. Use multiple currencies 0 reviewers rated this feature Manage transactions in over 160 currencies with automatic exchange rate updates. This feature helps businesses operating internationally in invoicing, reconciliation, and reporting in local currencies without manual conversions. Track projects 0 reviewers rated this feature Monitor time and money spent on individual jobs or clients. You can assign expenses, invoices, and time entries to specific projects, making it easier to manage budgets across multiple engagements. Advanced cash flow predictions 0 reviewers rated this feature Forecast future cash positions using historical data and scenario modeling. This tool helps businesses anticipate shortfalls or surpluses, plan investments, and make informed decisions based on projected inflows and outflows. Syft-powered analytics 0 reviewers rated this feature Offers advanced reporting and visual dashboards via Syft integration. Users can access customizable financial insights, trend analysis, and benchmarking tools to support strategic decisions. US bill payments powered by BILL 0 reviewers rated this feature Lets U.S. businesses pay bills directly in Xero. This integration simplifies accounts payable workflows and reduces manual entry by syncing payment data automatically. Pay by bank (UK) 0 reviewers rated this feature Allows invoice recipients to pay directly from their bank accounts, improving cash flow and reducing reliance on card payments. Though region-specific, it reflects Xero’s broader push toward embedded finance. Enhanced payroll flexibility 0 reviewers rated this feature Adds more configuration options for payroll processing, including custom pay calendars and leave types. While initially released for New Zealand, it signals ongoing improvements to payroll tools. All key features (181) Method used in decision-making that allows businesses to input variables to forecast potential outcomes or possibilities 25.00% of 4 reviewers that rated this feature as important or highly important Track 401(k) participant contributions and employer match 69.23% of 13 reviewers that rated this feature as important or highly important Define levels of authorization for access to specific files or systems 64.58% of 48 reviewers that rated this feature as important or highly important Manage revenue, expenses, and reconciliation with cloud access and automation. Users appreciate integrations and report flexibility, though advanced customization is limited. 173 reviewers rated this feature Track money owed to a company's creditors/suppliers 57.83% of 166 reviewers that rated this feature as important or highly important Track outstanding invoices and the money owed from clients 55.77% of 156 reviewers that rated this feature as important or highly important Recognizing income when earned and expenses when incurred regardless of when cash is received or disbursed. 0% of 0 reviewers... Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) 100.00% of 1 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities 74.16% of 89 reviewers that rated this feature as important or highly important Track and document all activities across devices, networks, and other systems 85.71% of 7 reviewers that rated this feature as important or highly important Generate one-off reports that meet information requirements 0% of 0 reviewers... Forecast future cash positions using historical data and scenario modeling. This tool helps businesses anticipate shortfalls or surpluses, plan investments, and make informed decisions based on projected inflows and outflows. 0 reviewers rated this feature Track and compare key performance indicators across time periods or business units. This feature supports customization of metrics for deeper financial insights and monitoring of trends that impact profitability. 0 reviewers rated this feature Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges 67.74% of 31 reviewers that rated this feature as important or highly important Application programming interface that allows for integration with other systems/databases 0.00% of 2 reviewers that rated this feature as important or highly important Manage the process of evaluating documents or requests submitted for approval 41.18% of 34 reviewers that rated this feature as important or highly important Route documents and other data through one or more stakeholders for review and approval 0% of 0 reviewers... Manage adding fixed assets to proposed budgets 0% of 0 reviewers... Monitor the usage of assets, such as equipment, tools, software, etc., throughout their lifecycle 0% of 0 reviewers... A record of all activities within the system, including user access, changes made, etc. 65.22% of 46 reviewers that rated this feature as important or highly important Generate rule-based quotes for clients automatically 100.00% of 1 reviewers that rated this feature as important or highly important Data is backed up automatically to prevent data loss 0% of 0 reviewers... Setup and send recurring or automated bills 26.67% of 15 reviewers that rated this feature as important or highly important Xero offers automated bank feeds and smart transaction matching, making reconciliation quick and accurate. Reviewers indicate it saves significant time, is user-friendly, and integrates with banks, but some mention occasional feed connection issues and slow support. 67.60% of 571 reviewers that rated this feature as important or highly important Record employee's benefit plans and selections throughout career progression 0.00% of 5 reviewers that rated this feature as important or highly important With Xero, you can easily create, customize, and send invoices, set up recurring billing, and track payments. Reviewers appreciate the automation, branding options, online payment integration, and efficient workflow, though some mention template setup could be more streamlined. 66.40% of 622 reviewers that rated this feature as important or highly important Gateway through which end users can view past bills and pay current invoices 35.71% of 14 reviewers that rated this feature as important or highly important Provides basic tools for financial planning, but may fall short for teams needing granular control or predictive modeling. 44 reviewers rated this feature Create budgets based on historical data and future projections 45.45% of 44 reviewers that rated this feature as important or highly important Track and manage schedules and meetings via an integrated calendar 55.56% of 9 reviewers that rated this feature as important or highly important Work on a set of tasks related to a particular charge, patient, legal issue or any other complex entity or process 0% of 0 reviewers... Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period 0% of 0 reviewers... Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances 73.91% of 23 reviewers that rated this feature as important or highly important Create and manage digital catalog of products/services with their details, specifications, and price 125.00% of 4 reviewers that rated this feature as important or highly important Print paychecks issued to confirm payment of wages or salary 0.00% of 1 reviewers that rated this feature as important or highly important Receive and deposit or issue and record check payments 60.00% of 5 reviewers that rated this feature as important or highly important Issue payments to third parties via checks 50.00% of 6 reviewers that rated this feature as important or highly important Manage contact details and communication with clients 62.50% of 16 reviewers that rated this feature as important or highly important Private online space that lets businesses securely share documents and provide information access to clients 75.00% of 4 reviewers that rated this feature as important or highly important Track and manage adherence to policies for any service, product, process, or supplier 77.01% of 87 reviewers that rated this feature as important or highly important Combining loans, assets, liabilities, and other financial data from multiple subsidiary companies into one entity for reporting 28.57% of 7 reviewers that rated this feature as important or highly important Centralized database of stakeholders and their contact information such as names, address, phone number etc. 37.50% of 8 reviewers that rated this feature as important or highly important Manage, organize, and store contact information 66.67% of 3 reviewers that rated this feature as important or highly important Business model where clients pay their lawyer a fee only if the case is won/settled successfully 0% of 0 reviewers... Track, store, and access client contracts or licenses 0% of 0 reviewers... Process to track, record, and analyze expenses that occurred over the entire duration of a given project 83.33% of 6 reviewers that rated this feature as important or highly important Software for Certified Public Accountants to aid clients in achieving financial goals. 100.00% of 2 reviewers that rated this feature as important or highly important Accept and process credit card transactions 66.67% of 3 reviewers that rated this feature as important or highly important Change one currency to another based on real-time rates/values 0% of 0 reviewers... A collection of customer information such as contact details, demographics, previous interactions, etc. 50.00% of 2 reviewers that rated this feature as important or highly important Access previous interactions or concerns to maintain customer relationships 0% of 0 reviewers... Reports that show customers their invoices, payments, and balance on the account 40.00% of 5 reviewers that rated this feature as important or highly important Add customized logos and colors to align with company branding 55.56% of 9 reviewers that rated this feature as important or highly important Invoices that can be tailored according to company's branding, payment terms and personalized information 66.67% of 33 reviewers that rated this feature as important or highly important Alter the layout and content of reports 66.67% of 3 reviewers that rated this feature as important or highly important Pre-designed layouts that can be customized to match preferences and requirements 71.43% of 7 reviewers that rated this feature as important or highly important Import and export data to and from software applications 69.77% of 86 reviewers that rated this feature as important or highly important Graphical representation of data 0% of 0 reviewers... Manage order deliveries until they are received by the customers 0% of 0 reviewers... Digitally deposit correct payroll amounts into individual employee's bank accounts 57.78% of 90 reviewers that rated this feature as important or highly important Track products that are for sale at a reduced price or part of coupon promotions 0.00% of 1 reviewers that rated this feature as important or highly important Store, manage, and track all electronic documents in a centralized location 83.87% of 62 reviewers that rated this feature as important or highly important Store and organize documents in a centralized system 72.73% of 11 reviewers that rated this feature as important or highly important Customizable sample documents that contain placeholder text or a standard layout that can be repeated for each new file 0% of 0 reviewers... Assemble applications and processes by dragging over and arranging pre-built components 0% of 0 reviewers... Ability to identify, sort on and alert participating parties about the approaching date by which action has to be taken 0.00% of 2 reviewers that rated this feature as important or highly important Process of automatically notifying clients when payments fail to ensure invoices are paid 0.00% of 1 reviewers that rated this feature as important or highly important Receive an automatic notification when the exact same payment is about to be initiated for the second time 57.14% of 21 reviewers that rated this feature as important or highly important Electronically collect payments for goods or services 80.00% of 25 reviewers that rated this feature as important or highly important Manage, store and organize emails within the system or via third-party apps 0% of 0 reviewers... Adds more configuration options for payroll processing, including custom pay calendars and leave types. While initially released for New Zealand, it signals ongoing improvements to payroll tools. 0 reviewers rated this feature Attaching relevant receipts or supporting documents to submit expenses for reimbursement 61.54% of 39 reviewers that rated this feature as important or highly important Plan, pay and track business related expenses. 66.67% of 3 reviewers that rated this feature as important or highly important Monitor and record expenses such as purchases or charges incurred 50.42% of 353 reviewers that rated this feature as important or highly important Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk 100.00% of 1 reviewers that rated this feature as important or highly important Plan, manage, and track the financial activities of an individual or organization 66.10% of 59 reviewers that rated this feature as important or highly important You get access to customizable, real-time financial reports and dashboards for better business insight. Some reviewers find the variety and flexibility valuable, while others note the interface can be confusing and filtering options could be improved. 62.35% of 486 reviewers that rated this feature as important or highly important Tracks depreciation and asset value, but may not offer sufficient reporting or integration for larger inventories. 23 reviewers rated this feature Software specialized for accountants and accounting firms 0.00% of 1 reviewers that rated this feature as important or highly important Primarily serving architecture, engineering, and construction industry professionals 0% of 0 reviewers... Software specialized for certified public accountants (financial advisors) who help outside entities reach financial goals 0% of 0 reviewers... Specifically designed to address the needs of law firms and legal departments 0% of 0 reviewers... For realtors, real estate investors, property managers, and other real estate professionals. 100.00% of 1 reviewers that rated this feature as important or highly important Primarily serving churches and religious organizations 0% of 0 reviewers... Designed to be used by kindergarten, primary, middle, and senior secondary schools. 0% of 0 reviewers... Designed for small businesses 66.67% of 9 reviewers that rated this feature as important or highly important Form predictions based on past and present data/trends 66.67% of 18 reviewers that rated this feature as important or highly important Identify and prevent suspicious activity 33.33% of 3 reviewers that rated this feature as important or highly important Manage revenue acquired through grants, donations, and other sources (accountability vs. profitability) 18.18% of 11 reviewers that rated this feature as important or highly important Manage allocation and performance of financial assets 0% of 0 reviewers... Xero helps you maintain a comprehensive, customizable general ledger with automated entries and clear reporting. Reviewers appreciate the organization and audit trails, though some say navigation and expense categorization could be easier. 58.21% of 469 reviewers that rated this feature as important or highly important Business model that charges based on the amount of time spent on an hourly basis 0% of 0 reviewers... A statement detailing the financial position of a business including assets, liabilities, and equity at a certain point in time 71.47% of 382 reviewers that rated this feature as important or highly important Monitor product stock levels 63.46% of 52 reviewers that rated this feature as important or highly important Track and manage inventory levels to maintain proper supply 55.68% of 88 reviewers that rated this feature as important or highly important Maintain and control the stock level of inventory 100.00% of 1 reviewers that rated this feature as important or highly important Track and monitor inventory items, such as raw materials, unfinished goods, and ready-to-sell items 23.08% of 13 reviewers that rated this feature as important or highly important Generate professional invoices with logos, terms, and attachments. Features include recurring billing, drafts, and quote conversion. Some users report UI friction when adding line items. 303 reviewers rated this feature Track invoice status, search by customer or date, and generate reports. Cloud access and accounting integration support payment tracking and reconciliation. Some users want more detailed audit trails. 129 reviewers rated this feature Captures invoice data and maintains comprehensive records for auditing and reporting purposes 82.72% of 81 reviewers that rated this feature as important or highly important Creation, processing, verification, and execution of invoices till the payment is made 70.76% of 236 reviewers that rated this feature as important or highly important Calculate total itemized costs, including initial costs and any changes 100.00% of 1 reviewers that rated this feature as important or highly important Group and package individual but related items as one package set 0% of 0 reviewers... Access software remotely via mobile devices 69.41% of 85 reviewers that rated this feature as important or highly important Access the system via a mobile application 0.00% of 1 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices 42.86% of 14 reviewers that rated this feature as important or highly important Observe and track the demand, usage, progress or quality of a system, product, or user 0% of 0 reviewers... Manage inventory, communication, marketing, orders & more across warehouses, stores and online channels 0% of 0 reviewers... Manage the accounting and financial aspects of multiple locations or companies in a single location 33.33% of 6 reviewers that rated this feature as important or highly important Pay employees in multiple countries using correct currencies and correct tax deduction amounts 94.44% of 18 reviewers that rated this feature as important or highly important Manage and handle various international currencies 64.71% of 68 reviewers that rated this feature as important or highly important Pay employees in multiple states with correct tax deduction amounts in each 0% of 0 reviewers... Create, send, and view electronic invoices 70.63% of 303 reviewers that rated this feature as important or highly important Accept and process online payment transactions 57.32% of 82 reviewers that rated this feature as important or highly important Manage and track customer orders for goods, investments, or any other purchases 72.22% of 36 reviewers that rated this feature as important or highly important Track orders throughout the fulfillment process 100.00% of 1 reviewers that rated this feature as important or highly important Flag a transaction when a customer pays more than they owe and either refund the overpayment or save the overpayment as a credit 0.00% of 1 reviewers that rated this feature as important or highly important Allow customers to make a partial payment on an invoice and track remaining debt 100.00% of 2 reviewers that rated this feature as important or highly important Allows invoice recipients to pay directly from their bank accounts, improving cash flow and reducing reliance on card payments. Though region-specific, it reflects Xero’s broader push toward embedded finance. 0 reviewers rated this feature Tracking, managing, and initiating the transfer of funds for overdue customer payments 100.00% of 2 reviewers that rated this feature as important or highly important Accept, record, and reconcile financial transactions 68.75% of 288 reviewers that rated this feature as important or highly important Manage employee salary processes, data, taxes, and records administration efficiently 78.72% of 141 reviewers that rated this feature as important or highly important View and track payroll metrics including tax liabilities, pay rates, working hours, deductions and more 78.57% of 28 reviewers that rated this feature as important or highly important Track payroll expenses, taxes, and employee data with clear reporting. Users value easy return submissions and third-party exports. Professional setup is recommended due to payroll complexity. 27 reviewers rated this feature A set of indicators that tracks the performance of networks, applications, systems, teams, etc. 0% of 0 reviewers... Track and manage the profit margin between the cost of a product and its selling price. 100.00% of 3 reviewers that rated this feature as important or highly important Calculate rule-based prices for a product/service 100.00% of 5 reviewers that rated this feature as important or highly important Tool used to determine accurate pricing and product eligibility for borrowers 100.00% of 1 reviewers that rated this feature as important or highly important Ability to link barcodes or serial numbers with specific items for identification 60.00% of 10 reviewers that rated this feature as important or highly important Customize layouts, filter by date or location, and export to PDF or Excel. This feature helps monitor cash flow and supports audits with real-time insights. Some users find the newer version less helpful for comparisons. 102 reviewers rated this feature A type of financial statement used to record and report an organization's revenues, costs, and expenses over a specific amount of time 76.11% of 113 reviewers that rated this feature as important or highly important Reporting on how each user, task or process has advanced since its initiation 0% of 0 reviewers... Tracks financials for specific projects, but lacks depth and flexibility for complex workflows. 23 reviewers rated this feature Business model that bills clients an amount based on the project/task/job performed 66.67% of 21 reviewers that rated this feature as important or highly important Plan and coordinate all the resources, costs and time needed to execute assignments 75.00% of 8 reviewers that rated this feature as important or highly important Offers basic functionality, mainly generating PO numbers on documents. Reviewers say it lacks integration with inventory and procurement modules, forcing reliance on external tools and manual data transfers. 32 reviewers rated this feature Generate quotes or estimates for customers 64.62% of 65 reviewers that rated this feature as important or highly important Receive data and information in real time 72.73% of 11 reviewers that rated this feature as important or highly important Access up-to-date financial data with automated syncing and customizable dashboards. Reviewers highlight its role in managing expenses and collaborating with accountants. Some wish for deeper customization. 33 reviewers rated this feature Upload, track, and submit receipts in a central database 76.15% of 109 reviewers that rated this feature as important or highly important A list of customers and their payments due updated on a monthly basis 20.00% of 5 reviewers that rated this feature as important or highly important Generate recurring invoices 50.00% of 4 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service 52.17% of 23 reviewers that rated this feature as important or highly important Manage compensation for out-of-pocket expenses incurred by an employee, client or another party 33.33% of 6 reviewers that rated this feature as important or highly important Access work applications remotely, for when working away from the office and/or traveling 0% of 0 reviewers... Purchase and replenish product stock based on inventory levels and needs 0% of 0 reviewers... Collection, analysis, and representation of numerical data and generation of reports to understand various patterns 81.08% of 37 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data 73.77% of 61 reviewers that rated this feature as important or highly important Review, approve and cancel requests for goods/services to be purchased 0.00% of 1 reviewers that rated this feature as important or highly important Tracking, organizing, and controlling retail inventory throughout the supply chain and sales process 0% of 0 reviewers... An accounting principle that identifies the specific conditions in which revenue is recognized and determines how to account for it. 0% of 0 reviewers... Reports specific to sales analysis for trends and strategies 75.00% of 8 reviewers that rated this feature as important or highly important Calculation of consumption tax imposed on the sale of goods/services 33.33% of 3 reviewers that rated this feature as important or highly important Search and filter data across systems to locate required information by entering keywords or certain criteria 0.00% of 1 reviewers that rated this feature as important or highly important Online portal through which end users can access the system, manage tasks, or obtain information 74.36% of 39 reviewers that rated this feature as important or highly important Manage and track orders being shipped to customers 0% of 0 reviewers... Negotiate best prices and choose the right vendor for various purchases 100.00% of 1 reviewers that rated this feature as important or highly important Track the amount of money spent on a certain product or with a certain supplier 0.00% of 1 reviewers that rated this feature as important or highly important Schedule shifts for staff/employees, track hours worked, and manage staff payroll 0% of 0 reviewers... Track the status over time for a request, process, asset, or transaction 0.00% of 2 reviewers that rated this feature as important or highly important Manage all supplier data and operations 50.00% of 2 reviewers that rated this feature as important or highly important Offers advanced reporting and visual dashboards via Syft integration. Users can access customizable financial insights, trend analysis, and benchmarking tools to support strategic decisions. 0 reviewers rated this feature Create, manage and track all task activities and progression 95.65% of 23 reviewers that rated this feature as important or highly important Calculate tax and make deductions on gross income from sources like wages, investments or self-employment 36.84% of 19 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 78.57% of 14 reviewers that rated this feature as important or highly important Implementation of various strategies to manage tax obligations via planning and maintaining compliance 47.87% of 94 reviewers that rated this feature as important or highly important Create, save, and re-purpose templates for emails, forms, etc. 0% of 0 reviewers... Set up connections to third-party platforms to improve business processes 79.07% of 129 reviewers that rated this feature as important or highly important Log and record hours worked and costs spent to assist in billing and invoicing 50.00% of 10 reviewers that rated this feature as important or highly important Measure and track time including hours worked and paid time off (PTO) 52.94% of 17 reviewers that rated this feature as important or highly important Monitor time and money spent on individual jobs or clients. You can assign expenses, invoices, and time entries to specific projects, making it easier to manage budgets across multiple engagements. 0 reviewers rated this feature Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period 0% of 0 reviewers... Manage, record and track all business exchanges in form of money and its related interactions in the system 0% of 0 reviewers... Manage bookkeeping for client trust accounts 0% of 0 reviewers... Lets U.S. businesses pay bills directly in Xero. This integration simplifies accounts payable workflows and reduces manual entry by syncing payment data automatically. 0 reviewers rated this feature Manage transactions in over 160 currencies with automatic exchange rate updates. This feature helps businesses operating internationally in invoicing, reconciliation, and reporting in local currencies without manual conversions. 0 reviewers rated this feature Request, track, and manage time off requests and vacation time 52.94% of 17 reviewers that rated this feature as important or highly important Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. 33.33% of 6 reviewers that rated this feature as important or highly important Automatically create and distribute W-2/1099 tax forms to employees. 49.25% of 67 reviewers that rated this feature as important or highly important Automatically subtract garnishments from wages 33.33% of 6 reviewers that rated this feature as important or highly important Manage and track operations and inventory within warehouses 0% of 0 reviewers... Get Advice We can help you find the software with the features you need. Amita Jain Xero’s highest-rated features help you manage core financial tasks with speed and clarity; together, they simplify reporting, automate billing, and support daily accounting without needing complex setup or manual tracking. Features 4.3 (2,603) 4.3 Based on 2,603 reviews ## Pricing Value for money 4.2 (2390) Xero starts at $20 per month, which is significantly lower than the average SMB accounting software budget of $1,221 per month. Pricing is flat per organization and scales by feature set, not user count, making it cost-efficient for growing teams. You can also try the tool’s 30-day free trial to finalize plans based on your needs. 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 (2,390) 4.2 Based on 2,390 reviews ## Integrations Xero integrates with a wide range of finance, ecommerce, and automation tools to support SMB workflows. These connections are available through a mix of native and third-party apps, helping teams sync data across platforms and reduce manual work. Popular integrations [ PayPal](https://www.capterra.com/p/207944/PayPal/)[ Mailchimp](https://www.capterra.com/p/110228/MailChimp/)[ 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/) Amita Jain Senior Content Analyst Connecting Xero with ecommerce, payroll, and reporting tools helps your finance lead cut down on reconciliation time, automate data entry, and maintain visibility across sales, expenses, and payouts—all without switching between systems. 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 (2278) 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 (2,278) 4.0 Based on 2,278 reviews ## User reviews Overall rating 4.4 Based on 3,269 reviews Filter by rating 5(1948) 4(921) 3(240) 2(69) 1(91) Mentioned topic Sorted by most recent EG Emily G. Bookkeeper Accounting ### "Great 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 March 26, 2026 Definitely recommend, so easy to use for bookkeeping needs. Clearly laid out and good to use for multiple users on the same accounts Pros I mainly use Xero and love it as it's so easy to use and has a clear layout to find where you can get certain information from. It's also leaves a good trail to see when bills were created, who by, if anything has been changed and when. It gets regularly updated and easy to link up bank feeds Cons It's a little bit pricey, and the payroll software (paid extra) isn't as good as other payroll software 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. AS Abi S. Accountant Pharmaceuticals ### "Good 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 8/10 March 24, 2026 Overall, my experience at Xerox was a solid and valuable one that helped me build a strong foundation in the tech and document solutions industry. On the positive side, I really appreciated the company’s legacy of innovation, the collaborative teams, and the opportunities to work on meaningful projects that directly improved client workflows. The benefits were competitive, there was good access to training and development resources, and in many roles, work-life balance was decent especially with flexible or hybrid options in recent years. I learned a lot about problem solving, customer focus, and navigating large-scale corporate environments, and I made some great professional connections. Pros I really appreciated the strong emphasis on innovation and problem solving at Xerox. The company has a rich history in technology and document management, and I loved being part of teams that were encouraged to find creative solutions for clients whether it was optimizing workflows with multifunction printers or implementing digital transformation projects. The collaborative environment and access to cutting edge tools allowed me to learn a lot and see the direct impact of my work on improving efficiency for businesses. It felt rewarding to work with talented colleagues who were passionate about delivering reliable, high-quality solutions. Cons What I liked least was the pace of change in some areas, particularly the bureaucratic processes that sometimes slowed down decision making and project execution. In a fast evolving tech landscape, waiting for approvals through multiple layers could delay innovation. That said, I understand it’s common in large, established organizations, and it taught me valuable skills in navigating complex structures and advocating effectively for improvements. I’m excited about opportunities where I can bring that experience to a role with even more agility. 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. DM david M. Manger Airlines/Aviation ### "Happy customer" 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 March 24, 2026 My expeirence has been wonderful the value is definitely there, and im happy with everything they provide. Pros Xero is sweet ive been using for a few months now and am super impressed with Xero would recommend to anyone that asks. Cons Their customer service can be a little faster but for the most part i have no real hard issues that i can think of 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. Emma C. Business Support Manager Information Technology and Services ### "Xero - user-friendly and intuitive" 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 10/10 March 23, 2026 User-friendly and intuitive for people like me, who don't have finance backgrounds. This would always be my go-to accounts software. Pros I'm not an accountant or even a fully trained book-keepter, but I use Xero every day. Having previously used other packages for our accounts, Xero is brilliant in terms of being user friendly and intuitive. I love that it syncs with our bank, our CRM software and the app we use for expenses. Cons If ever I need support, I feel like I'm scrabbling around trying to work out where to go to get it. I would love to have as chat bubble somewhere obvious - as long as it doesn't lead to getting stuck in a BOT loop! Switched from [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) It was a recommendation by our accountants. 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. BM Bernard M. Photographer Photography ### "Xero makes accounting easy" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 19, 2026 Easy to use, reliable, secure. The reporting and tax filing is intuitive and flexible so I’m very happy overall. Pros The tax filing service is very reliable and new features make it easier to use. I use it for three separate small companies so it’s convenient to have all in one place Cons I’m a light user but with three accounts so the costs mount up. It’s would be good if there was a multi company version for users like me. Alternatives considered [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) Reasons for choosing Xero Better UI and value for money. Marketing seemed more informative 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. AU Anonymous User Designer Design ### "Great product, even if a little on the pricey side" 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 6/10 March 19, 2026 Pros Easy invoice creation and invoice. Clear and customisable dashboard. And good customer support with fast response times. Cons It's a little on the more expensive side requiring a more advanced plan for more features like unlimited invoices 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. AU Anonymous User Owner Retail ### "Great integrations and automations" 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 March 17, 2026 Pros Great integrations and automations. As someone who doesn't have a book keeping background I do find it quite user friendly. Cons Some reporting components are too complicated, but it is improving with recent updates which is great, including the dashboard. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Larger requirements which Xero suited better 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. NH Nina H. Hr Manager Retail ### "Good payroll 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 March 12, 2026 I am very happy with Xero, it is simple to use and very user friendly. The dashboard is very intuitive and I have never have any issues. Pros I use it from a payroll perspective but I know it has lost of other functionality. It is very easy to use from adding employee data to running reports. Cons I think the holiday tool could be better. It isn't easy to calculate holiday in the same way as HR software. 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. Adrien J. CEO Real Estate ### "Bank feed not working as advertised" 1.0 Overall Rating 1.0 1.0 Ease of Use 5.0 5.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 March 9, 2026 Very poor, we are considering switching to another solution, one that delivers what it advertises it does and with a product team that takes ownership when it falls short. Pros Simplicity and ease of set-up. Problem is product does not work as advertised and Xero does not want to fix. Cons Bank integration does not work as advertised. Information comes truncated. Although they acknowledge the issue, Xero does not want to take ownership of fixing it. In short, they sell something they don't deliver. This is scamming customers. 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. Stacey K. Director of Operations Cosmetics ### "Quick and Easy" 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 March 8, 2026 I've had a good experience with Xero. It is quick and easy to learn and use. Customers don't complain about the invoices and PO's that receive from us. Pros Easy to enter PO's and send them, same for invoices. Can quickly enter and send via email. System tracks paid and not paid. Cons The system gets updated frequently so the look of it can change often. Updating products is difficult...still haven't figured it out. 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/) ## FAQs Xero and QuickBooks both offer cloud-based accounting, but Xero uses flat-rate pricing per organization and emphasizes integrations and automation. QuickBooks offers more tiered plans and may suit businesses needing deeper inventory or payroll features. Yes. Xero is designed for small businesses and includes setup guides, templates, and a clean interface. Users say it’s easy to get started with basic invoicing, bank feeds, and expense tracking. Xero automates tasks that Excel requires manual input for—like bank reconciliation, invoice tracking, and financial reporting. It also reduces errors and provides real-time visibility into cash flow and business performance. Yes. Xero simplifies bookkeeping, but accountants help with tax filing and strategic advice. The tool also supports collaboration with accountants through shared access and reporting tools. Most users find Xero easy to learn, especially for day-to-day tasks like invoicing and reconciliation. The platform includes tutorials and help articles, and many accountants offer onboarding support. Xero is best for small businesses that need reliable accounting, invoicing, and reporting tools. It’s especially useful for small teams that want to automate financial workflows and integrate with other business apps. ### Have more questions? Connect with one of our advisors for a free consultation and save time in your software search. ## Sources - **Capterra reviews data:** Capterra reviews are collected from verified users for individual software products. [Learn more about how we source our data](https://www.capterra.com/resources/proprietary-data-research/). - **Capterra Shortlist:** Capterra Shortlist identifies the top products in our software categories based on a proprietary blend of user ratings and popularity. [Read the complete methodology here](https://www.capterra.com/resources/proprietary-data-research/#capterra-shortlist-methodology). - This product information came from Xero’s own online content in August 2025, including the product's website and its social media channels. ## Related reading ### [Tech Trends 2025: How Businesses in Finance Can Turn to Technology to Fuel Their Growth](https://www.capterra.com/resources/tech-trends-business-software-buying/) Published January 29, 2025 by [Eduardo Garcia](https://www.capterra.com/resources/author/eduardo-garcia/) and [Kathryn Todd](https://www.capterra.com/resources/author/kathryn-todd/) ### [How To Keep Books for a Small Business](https://www.capterra.com/resources/how-to-keep-books-for-small-business/) Published March 27, 2024 by [Tayla Carpenter](https://www.capterra.com/resources/author/tayla-carpenter/) ### [6 Top-Rated Tools To Include in Your Accounting Tech Stack](https://www.capterra.com/resources/accounting-tech-stack-tools/) Published December 19, 2023 by [Shephalii Kapoor](https://www.capterra.com/resources/author/skapoor/) ### [Capterra Value Report: A Price Comparison Guide for Accounting Software](https://www.capterra.com/resources/accounting-software-pricing-report/) Published March 20, 2024 by [Himanshi Arora](https://www.capterra.com/resources/author/himanshi-arora/) ### [7 Top-Rated Accounting Software](https://www.capterra.com/resources/top-accounting-software/) Published April 20, 2023 by [Preksha Buttan](https://www.capterra.com/resources/author/pbuttan/) Popular comparisons [QuickBooks Online vs Xero](https://www.capterra.com/compare/120109-190778/Xero-vs-QuickBooks-Online)[QuickBooks Enterprise vs Xero](https://www.capterra.com/compare/120109-174984/Xero-vs-QuickBooks-Enterprise)[NetSuite vs Xero](https://www.capterra.com/compare/120109-135757/Xero-vs-NetSuite)[QuickBooks Desktop vs Xero](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro)[Sage Intacct vs Xero](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero)[QuickBooks Online Advanced vs Xero](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online)[FreshBooks vs Xero](https://www.capterra.com/compare/120109-142390/Xero-vs-FreshBooks)[Odoo vs Xero](https://www.capterra.com/compare/120109-135618/Xero-vs-Odoo)[Sage Accounting vs Xero](https://www.capterra.com/compare/120109-168740/Xero-vs-Sage-One-UK) [Wave vs Xero](https://www.capterra.com/compare/120109-178021/Xero-vs-Wave-Apps)[TallyPrime vs Xero](https://www.capterra.com/compare/120109-127762/Xero-vs-Tally-ERP-9)[SAP Business One vs Xero](https://www.capterra.com/compare/120109-214667/Xero-vs-SAP-Business-One)[Zoho Books vs Xero](https://www.capterra.com/compare/120109-163115/Xero-vs-Zoho-Books)[Sage 50 Accounting vs Xero](https://www.capterra.com/compare/120109-174753/Xero-vs-Sage-50cloud)[Acumatica Cloud ERP vs Xero](https://www.capterra.com/compare/96371-120109/Acumatica-Cloud-ERP-vs-Xero)[Patriot Accounting vs Xero](https://www.capterra.com/compare/120109-141644/Xero-vs-Patriot-Accounting)[Sage 100 vs Xero](https://www.capterra.com/compare/120109-227232/Xero-vs-Sage-100cloud)[MYOB Business vs Xero](https://www.capterra.com/compare/120109-183867/Xero-vs-MYOB-Business)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)