Xero Pricing, Features, Reviews & Comparison of Alternatives

Xero Reviews


Beautiful Accounting Software

4.33/5 (949 reviews)

Xero overview

Accounting doesn’t have to be excruciating. In fact, it can be fun! See for yourself with Xero. Xero is the alternative to QuickBooks. It’s modern, small business accounting software that lives in the cloud. It’s accessible from any computer or mobile device, making for a smarter, easier and all-around enjoyable accounting process.

Beautiful design
The Xero dashboard presents users with a clear and concise overview of their financial situation. It provides small business owners with a greater understanding of their cashflow by highlighting bank balances, outstanding invoices, upcoming bills and expense claims in a visually appealing way.

Connects with 500+ business apps
Xero integrates with a variety of third-party apps commonly used by small businesses. Data flows directly into the Xero ledger, removing the time and effort required for manual data entry.

Simple bank reconciliation
Daily bank and credit card transactions are automatically imported into Xero and matched to their corresponding accounting transaction. Doing bank reconciliation is as easy as confirming the match is corrected and clicking “OK.”

Free unlimited users
Every Xero plan comes with unlimited users. No need to pay for extra licenses. Collaborate with your colleagues or invite your financial advisor to view data remotely and get valuable real-time advice!

Seamless, automatic updates
New features are added frequently based on feedback from our customers. Automatic updates occur every 3–6 weeks in the cloud, not on your desktop.

Unlimited email support
Xero provides unlimited, around-the-clock email support from an experienced and knowledgeable staff.

Convert from QuickBooks and Sage
Do you feel handcuffed to the accounting software you were told was the only option? Xero will convert your QuickBooks and Sage data for free when you sign up for a new account.


Starting from
Pricing options
Free trial
Value for money
View Pricing Plans


Business size



United States, Asia, Australia, Brazil, Canada and 9 other markets, China, Europe, Germany, India, Japan, Latin America, Mexico, Middle-East and Africa, United Kingdom

Supported languages

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Xero reviews

Value for money
Ease of use
Customer support
John Delgaudio

Concerns with Xero

Used daily for 1-2 years
Reviewed 2018-04-10
Review Source: Software Advice

We've been using Xero for about two years now. There have been a few hiccups along the way but for the most part things have been ok. Recently however, we've had a problem with our bank feed uploading into Xero in order to reconcile transactions. We first encountered this issue on 2/10/18. We informed Xero and they said they would look into the issue. A couple of weeks went by without hearing anything about the feed working as it should. We contacted them again and they said they were still working on the issue but that we could manually download the transactions ourselves in the meantime. Today is 4/10/18 (2 months later) and they still have not fixed the issue. We are still having to manually download these transactions ourselves in order to reconcile our bank accounts within the Xero software. I spoke with Xero this morning and they still do not have a timeline for when this will be fixed. They said they use an outside company to perform the importing of bank feeds functions and that they are not responsible for it not working. They said when we signed up for the Xero service we were informed about the possibility of the feed possibly cutting out at some point in the fine print (terms & conditions). They refuse to issue any sort of refund for their monthly service during this time of inconvenience because they say the bank feed import function is a free service offered by a third party. The problem we have is that Xero is marketing this service as part of their overall monthly service package which you assume is really included in your monthly service fee you pay to them. When it doesn't work they take no accountability for it not working. We think it's very deceptive for them to market a service (bank import functionality) to prospective buyers, which you assume is included with your monthly service fee, but then take no responsibility for it not working when things breakdown. We believe they do this to gain a competitive advantage over other companies like Quickbooks. Instead of just charging for the bank import service which would increase their monthly service fee and make them less competitive on a price basis with their competition they artfully setup their service to be able to offer a more competitive price but not assume any of the responsibility when the service doesn't work as expected. The general consumer doesn't think to put this deceptive tactic together when they sign up for the service and Xero assumes once they have you onboard you'll deal with the issue until they can get it fixed because switching accounting software companies at a later date is extremely inconvenient.The service accomplishes most of what it was intended to do albiet at a bit of a learning curve for the new user.

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Great, intuitive and easy to use bookkeeping software, lacking for accountants, NO customer services

Used daily for 2+ years
Reviewed 2018-04-04
Review Source: Capterra

It is so easy to use but support has to come from Accountants who are not customer service or techies and who are not adequately compensated for their efforts. It is enjoyable to use and definitely does the basics very well.For bookkeeping, small and medium-sized businesses this software is a dream. It is the most intuitive and easiest to use of all the accounting software that we reviewed. As an accountant, it is easy to fix user errors and mis-postings. There is a proper audit trail and safety checks built in. There are so many time-saving features like find and recode, repeating bills/invoices/journals, bank rules. The move toward AI is exciting too.

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Paul Dawson

Xero - Leading the way to making accounting much easier for small businesses

Used daily for 2+ years
Reviewed 2017-05-17
Review Source

I have been a Xero certified advisor for 8 years and actually returned the accounting profession because of Xero after deciding to leave because I felt the industry didn't understand delivering value to clients. Xero has been a catalyst for increasing the speed of change in the industry towards a value proposition model. Although like any system success with does come down to using it properly and being prepared to spend the time to understand how it works and to make the most of it, but Xero has been built so intuitively and they haveGreat design, intuitive, great support files and videos, invoicing features are very good, being able to add files to transactions is a big time saver, the fact that it is a full accounting system is great in its price range, although for more complex features you may need an add-on application for example full stock management and stock control.

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William Evanikoff

The best at what it does

Used daily for 1-2 years
Reviewed 2016-08-29
Review Source: Capterra

Full Disclosure: I am an accountant and I recommend Xero to many of my clients. When the expectations are in alignment with the capabilities of the software, then everyone is happy. People get into trouble with ANY software when they jump in thinking they know what it does and are then disappointed. All accounting and ERP software has limitations and Xero is no exception, but what it does, it does well. It provides payables, receivables, bank reconciliation and general ledger as its core functionality. There is a very capable estimating/quoting/order/ process that ties into AR invoices smoothly. But, the requisition/purchase/inventory side is very, very basic. In fact there are no requisitions and the purchase orders are so limited that I recommend you not use them. The inventory is only what is needed to make the sales side functional. So, if you need strong inventory support, you have to use a third-party add-on designed just for this purpose.What is good about Xero are 1) Real-time bank feeds and bank reconciliation - this is what scared the pants off of Intuit and forced them to develop new functionality. 2) Xero fully embraces and enables third-party developers to provide niche solutions that have rich interaction with Xero. 3) The features keep getting better and better quarter after quarter. 4) Perhaps my relationship as a partner skews this, but I've had nothing but excellent support from Xero. I can call someone if I have to, but I almost always get issues resolved through technical support in a timely fashion. Some of my favorite add-ons for Xero are GeoOp for field services, Deputy which integrates its scheduling, time and attendance functions with Xero payroll, and Float which projects cashflow. The new reporting and the tags are fantastic.

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brant pin

Please please let one person read this review and pass on this software

Used daily for 1-2 years
Reviewed 2017-07-18
Review Source: Software Advice

I stopped the service and they kept all my company information and accounting details for the entire year. They wouldn't let me access them unless I paid. That's right THEY RANSOMED me for my own accounting info. Since it's only a web based program, if you don't want to pay anymore, you don't get to access any of your data. Isn't that fun. Sure you can export and document with everything crammed in there, but you can't use it easily or transfer it seamlessly to quickbooks etc. And the other issues: the interface is lousy. Their transaction recognition is really bad and their rules don't work very well. So if you are like me and have a lot of credit card transactions, good luck, cause you'll be at the screen for hours. I could go on about how it won't recognized the payee from the bank account line because it thinks it's the reference line etc, but you should never have to learn this for yourself. Be warned. The reporting is a joke. An absolute joke. You spend all month or year inputting data and then you want to go pull up some reports to see how everything is... well sorry you can only use their pre-designed reports with little or no customizable function. Want to pull income and expenses for specific categories and accounts... nope sorry, you can do specific accounts or categories or accounts, not both. Infuriating to say the least (this is why I decided to stop using) There is literally no customer service. That means literally. None. You cannot get anyone on chat or phone. The only thing you can do is email and wait. No real-time interaction.the colors were nice. It's pretty cheap. The bank accounts seem to refresh 50% of the time. The name is easy to remember

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Xero pricing

Starting from
Pricing options
Free trial
View Pricing Plans

30-day free trial, no credit card required.

Starter: $9/month
Standard: $30/month
Premium: $70/month for 10 payrolls, $90/month for 20 payrolls, $180/month for 100 payrolls

Xero features

Activity Dashboard
Billing & Invoicing
Customizable Reporting
Data Import/Export
Electronic Payments
Expense Tracking
Invoice Management
Invoice Processing
Real Time Data
Recurring Billing
Third Party Integration

Accounting Integration (92 other apps)
Accounting Management (93 other apps)
Auditing (78 other apps)
Automatic Notifications (92 other apps)
Automatic Reminders (68 other apps)
Receiving (85 other apps)
Reporting & Statistics (86 other apps)

Security and privacy


Encryption of sensitive data at rest
HTTPS for all pages

Access control

Multi-factor authentication options

Data policy

Data backup in multiple locations/GEO regions
This will ask you to sign in with LinkedIn

Category Leaders ranking


#2 in Accounting

View full ranking

GetApp’s ranking highlights the top 25 apps in different categories on GetApp. If an app is listed in more than one category, it has the potential to be ranked in each of these categories. The ranking is independent of any commercial campaign an app vendor has with GetApp. The ranking is based on 5 data points, each scored out of 20: reviews, integrations, mobile apps, media presence, and security.

Xero also features in these categories:

GetApp Analysis

Xero is an online accounting software suite that utilizes a modern cloud network to fully accommodate the complete range of accounting needs. The app allows you to coordinate and manage all financial processes within an easy to use platform, accessible from all internet-enabled devices.

The software is geared towards small to medium-sized businesses looking to increase their accounting efficiency while at the same time adding a little fun to the process. The app also serves as a remote collaboration and advisory platform for accounting professionals, eliminating the need for client visits and unnecessary paperwork.

The user-friendly dashboard transforms the resource draining and time-consuming tasks of transaction monitoring, bill paying, invoice issuing, purchase order creation and expenses management - to name a few - into enjoyable activities that support accountants in their daily tasks and free-up business owners to get more out of their limited time. Xero also provides payroll management for users, customers or businesses in the US and Australia.

What is Xero?

Xero's main purpose is to transform the accounting processes into a more efficient and enjoyable experience for small business owners and their accountants. The app succeeds in doing this by allowing all team members concerned in financial operations to connect to the company's financial database via their desktop computers, laptops and mobile devices. This enables all stakeholders and the company accountant to track, collaborate on, and complete accounting tasks from home or on the go.

The benefits of using Xero to manage your accounting activity are evident in the enhanced accessibility of financial data, the collaboration opportunities, the transparent pricing and processes, and the unburdening of time and human resources.

Using Xero, small businesses who previously relied on spreadsheets, messy paperwork and dispersed files to manage their balance sheets, can rest in the knowledge that their financial data is more accurate and up-to-date than ever.

Who is Xero for?

Xero's target users are small businesses and their accountant/ bookkeeper. The online accounting app meets the needs of small businesses across multiple industries.

The software is ideal for small business owners managing their accounts independently, as well as in collaboration with their accountants from dispersed locations. The collaboration features of the software also make it suitable for business owners and their clients on financial activity.

Xero's cloud application currently serves the accounting needs of some 370,000 companies worldwide and copious individual users . The customer feedback and reviews found on the web about Xero are positively overwhelming.

Main features

Bank Reconciliation

All financial transactions are automatically imported into the Xero database and linked to the corresponding accounting transactions. All the user has to do in order to confirm that the match is correct, is to press the "OK" button and the transaction will be reconciled in the system. Users who need to import feeds from more bank accounts, credit cards and PayPal accounts, will be happy to know that Xero can do this in a few minutes.

Xero also lets you reconcile more complex transactions, such as split payments, by defining your own custom rules. Furthermore, this feature includes fast cash coding, providing the ability to import and automatically reconcile pre-coded bank statements. This is the perfect tool for reconciling large numbers of transactions and for importing data from other systems.


The Xero dashboard is where business owners can get a complete picture of their key accounts, income and expense reports, upcoming bills and pending invoices. This feature provides a valuable overview that gives users a clear understand of all their company's financial activities in a glance. Moreover, certain accounts can be watch-listed and monitored in greater detail by enabling notifications.

The layout of the dashboard makes it easy to use and navigate, while the intuitive graphs provide a visual understanding of key data that helps users compare account activity in a more tangible way. The dashboard not only displays data, it also allows you to perform tasks such as adding accounts, bills and issuing invoices by clicking on the corresponding buttons.


Xero's invoicing system forms an important part of the accounting suite letting you generate and customize professionally branded invoices. The customization options include the addition of your company's logo, foreign currency conversion, and the ability to save different templates to be used for separate clients.

The online invoicing system can issue invoices for payments that come from PayPal accounts, bank transfers or credit cards, with no country-related exceptions. One of the key features of Xero's invoicing tool is the notification system that alerts you when your invoice has been opened by the recipient, eliminating any confusion over "lost invoices".

If the payee is based in a foreign country and using a different currency, Xero will undertake the task of automatically converting the invoice into the currency used by the client. This means that you never have to worry about calculating exchange rates. Xero covers over 160 currencies and automatically updates exchange rates every hour.

Add-On Marketplace

There are many activities related to running a small business outside of bookkeeping and accounting, however most of these activities are interlinked in some way. Many small businesses already use a number of other systems such as CRMs, inventory management tools, time trackers, receipt scanners and so forth. Importing all this data from multiple apps to Xero can seem like a daunting task, however this is made hassle-free through the some 500 plus add-ons offered on the Xero Marketplace.

The marketplace provides easy navigation and search options that let users find what they are looking for fast. Add-ons are listed across 15 horizontal categories and 11 industry verticals. The Xero Marketplace is your one-stop source for all integration needs, with seamless integration offered between Xero and any app you sign-up for on the marketplace.

Automatic Updates

For a system that holds strictly private information in the cloud, it is of the utmost importance to remain secure and impenetrable by hackers and other malevolent attackers. Xero developers are perfectly aware of this potential security threat and for this reason provide a dedicated security team whose job it is to keep your data safe on a daily basis.

As users go about their daily business, the Xero team are busy providing constant improvements to their service, adding small adjustments and new features on a constant basis. New features are added every 3-6 weeks to ensure that the efficiency of the app and your user experience are always at the most optimal level.


Integrations is an area that Xero has covered one hundred percent. As a business owner running multiple apps, having the ability to have your apps speak to each other is fundamental. For this reason, the Xero Marketplace is a stroke of genius.

The Marketplace offers an ever growing list of more than 500 add-ons categorized by the business needs they serve. Some of the most popular of these add-ons include: Bill.com, Constant Contact, Square, Squarespace, Zen Payroll, Stitch Labs, Kabbage, and BodeTree.

Further popular add-ons include: Harvest, Batchbook CRM, Vend, Evernote, PayPal, Xpenditure, Expensify, Unleashed, WorkflowMax, Spotlight, Magento, Podio, Eventbrite, Infusionsoft, and Receipt Bank.


Xero's pricing plans differ according to region. Prospective users should consult the official pricing page of the corresponding Xero website for their location. In general, Xero is offered through 3 different plans. The most basic is the "Starter" plan that costs $9 per month and is limited to five invoices, five bills and 20 bank transactions.

The next plan is the "Standard" package that costs $30 per month and offers an unlimited number of invoices, bills and transactions.The "Premium" plan, costing $70 per month in total, supports multi-currency transactions and is thereby aimed at businesses that have multi-national clients and collaborators. A 30-day free trial of the "Starter" pack is available.

Bottom line

  • Carry out and collaborate on all accounting and bookkeeping tasks from any internet-enabled device
  • Integrate with your existing applications through the Xero Marketplace - offering over 500 add-ons.
  • Generate insightful financial reports and view all financial activity through a KPI dashboard
  • Easy to use, intuitive interface with clear navigation
  • Mobile application for accounting and collaboration on the go

Additional information for Xero

Key features of Xero

  • Payroll
  • Inventory tracking & control
  • Quick & easy 1099s
  • Mobile apps (iPhone, iPad, Android)
  • Receive bills electronically
  • Free, unlimited email support
  • Financial reporting
  • Data security
  • Pay bills
  • Cash flow management
  • Expense claims
  • Quote management
  • Payment processing
  • File & transaction storage
  • Business performance analysis
  • Sales tax management
  • Fixed assets management
  • Search functionality
  • Convert from QuickBooks
  • Dashboard - see bank balances, sales & bills
  • Smart lists - segment contacts based on purchase history
  • Contacts - keep track of customers and suppliers
  • Bank reconciliation - auto import & code transactions
  • Invoicing - create and send invoices automatically
  • Add-ons - pick from a wide range of powerful add-ons
  • Files - attach documents to financial data
  • Check Printing
  • Expense claims
  • Purchase orders
  • Multi-currency
View All Features


Xero has many benefits that will help you:

* Keep your accounting data safe & secure
* Access your accounts online anytime from anywhere, even on the go using your mobile device (iPhone/iPad/Android) or tablet
* Get better visibility of your cashflow with real-time data
* Greatly reduce the time you have to spend to keep your accounts up to date
* Beautiful design makes it fun and easy to use
* Software updates are free and available when you log in
* Collaborate with your team and your accountant. You decide what each person can see.
* Seamless accounting and payroll in the US (selected states), UK, Australia and New Zealand