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Xero

Name: Xero
Price: Contact for Pricing USD
Author: Xero Limited

Backed By Xero Limited

Cloud-based accounting software for small and medium businesses.

Finance & Operations

Overview

Xero is a cloud-based accounting platform designed for small and medium-sized businesses. It centralizes finances, automates invoicing, bill payments, bank reconciliation, and payroll, and provides customizable reporting and analytics. Xero integrates with over 1,000 business apps and offers robust security, onboarding support, and expert advisor access. Its mobile app and automation features help reduce manual work and improve financial accuracy.

Use Cases

Bank reconciliation

Automated invoice reminders

Customizable reports

Trend analysis

Receipt capture with Hubdoc

Expense tracking

Connect with 1,000+ business apps

API for custom integrations

Top Integrations

🌐

API

Product Info

Deployment Method

API-basedSaaS

Model Type

Closed Source

Support

Pricing

Starter

$29

Send up to 20 invoices and quotes

Standard

$50

Unlimited invoices and quotes

Premium

$75

All features of Standard plan

Alternates Research On The Product

Top Features

⚡

Online Invoicing and Quotes

🚀

Automatic Bank Reconciliation (Bank Feeds)

💻

Pay Bills and Expenses

🤖

Inventory Management

🔄

Standard Financial Reporting

Strengths

Effortless bookkeeping and streamlined workflow
Intuitive, clean, and user-friendly interface
Effective automation of bank reconciliation using bank rules
Excellent global app integration ecosystem
24/7 online support with quick response/screensharing for critical issues (Trustpilot)

Weaknesses

Users must proactively export their data before cancellation as the archived data is inaccessible without reactivating a paid subscription.
Lack of flexibility in certain reporting functions may require custom workarounds (exporting to Excel/rebuilding reports).
Response time for support tickets can sometimes be slow and lack urgency for time-sensitive tasks.
Overage charges for add-ons (Payroll, Expenses, Projects) are billed separately, leading to unpredictable monthly costs.
Price increases have been noted as a significant concern by users.

Reviews From The Web

Real user experiences from across different platforms

"Xero keeps things simple the layout is uncluttered, transactions are easy to categorize, and the reconciliation screen stays straightforward even when clients have high volume activity."

Jordan L.

11/25/2025

Recommendations

Businesses prioritizing automated reconciliation and a clean, modern user experience over deep customization of core reports

nd a clean, modern user experience over deep customization of core reports.

Firms whose accountants or bookkeepers are already Xero Partners or are Xero certified

Xero Partners or are Xero certified.

Businesses that require extreme, line-by-line customization of financial reports within the application

omization of financial reports within the application.

Users operating on a very tight budget and requiring complex accounting, as add-ons quickly increase the price

ng complex accounting, as add-ons quickly increase the price.

Final Verdict

Simplifies and automates accounting tasks to save time, improves cash flow management, and enables confident business decisions through real-time, comprehensive financial reporting and collaboration with advisors.

Best For

•Businesses prioritizing automated reconciliation and a clean, modern user experience over deep customization of core reports.
•Firms whose accountants or bookkeepers are already Xero Partners or are Xero certified.
•Small businesses with high transaction volumes that need efficient data capture (via Hubdoc integration).

Watch Out For

•The reports are too rigid for some users' detailed analysis needs.
•The rising price is a major complaint in the user community.
•Users must proactively export their data before cancellation as the archived data is inaccessible without reactivating a paid subscription.
•Lack of flexibility in certain reporting functions may require custom workarounds (exporting to Excel/rebuilding reports).

Starter plan has transaction limits (20 invoices, 5 bills per month) Customization of standard reports can be limited, requiring data export for deep tailoring (user complaint) API has high volume threshold limits (e.g., 100k invoices on GET endpoint) Rising subscription costs (user complaint)