Xero
Cloud accounting for small businesses: invoices, bills, bank reconciliation and payroll add-on.
Our verdict
What it does well
- No per-user licence fees on any plan
- Free standard ACH bill payments included in business plans
- Lists 1000+ app integrations in its app store
Where it falls short
- No free plan; Early caps you at 20 invoices and 5 bills
- Auto-reconcile is a US$5/month add-on on the Early plan
- Payroll costs extra: US$36/month plus US$6 per employee
Xero is cloud accounting software for small businesses. Its US site lists invoices and quotes, online payments, bill management, purchase orders, expense claims, bank reconciliation, payroll, project tracking, mileage tracking and fixed assets. It says it has more than 5 million customers and lists over 1000 apps to connect.
Pricing is a monthly subscription with three plans, shown in US dollars: Early at US$27, Growing at US$59 and Established at US$97. Early limits you to 20 invoices and 5 bills. Growing adds unlimited bills, auto-reconcile and budgets. Established adds multiple currencies, project tracking, expense claims and a 180-day cash flow forecast. There are no per-user licence fees.
New US customers buying their first organization on xero.com get 80% off the base plan for the first 3 months (US$5.40, US$11.80 and US$19.40). The homepage also shows a banner for one month free on any plan at US$0, but no terms for it were found. Payroll (powered by Gusto) and Inventory Plus are optional add-ons.
Xero compared
Alternatives to Xero
Intuit's cloud accounting software for invoicing, expenses and bookkeeping, with a limited free plan.
- Freemium
What users say
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Last updated 16 October 2026. Facts checked against the official site on 16 October 2026. How we make money