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Online Accounting Software

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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.

Read the full GetApp Analysis

Xero GetRank


#2 in Accounting

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#1 in Accounts Payable

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#1 in Billing & Invoicing

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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 Screenshots (4)

Xero Pricing

Starting from: $9.00/month

Pricing model: Open-source, Subscription

Free Trial: Available (No Credit Card required)

Available plans cost $9/month, $30/month, $70/month (USD). No setup or upgrade fees or contracts. All plans include access for unlimited users.

Key Features of Xero

  • Bank Rec - Automatically import and code transactions
  • Invoicing - Create and send invoices automatically
  • Add-ons - Pick from a wide range of powerful add-ons
  • Dashboard - Instantly see your bank balances, sales & bills
  • Files - Attach documents to your financial data
  • Smart Lists - Segment contacts based on purchase history
  • Contacts - Keep track of customers and suppliers
  • Login from anywhere
  • Payroll
  • Multi-currency
  • Purchase orders
  • Expense claims
  • Inventory
  • Quick & easy 1099s
  • Mobile apps (iPhone,iPad, Android)
  • Receive bills electronically
  • Free, Unlimited Email Support
  • Multi-currency
  • Financial Reporting

Xero Overview

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 400+ 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.


Intended Users
Freelancers, Non Profits, Small Business
Devices Supported
Android, iPhone-iPad, Linux, Mac, Windows, Web-based, Windows Phone
Supported Countries
Asia, Australia, Canada, China, Europe, India, Latin America, Middle-East and Africa, United Kingdom, United States
Supported Languages
Support Options
Forum, Knowledge Base, Online Support, Video Tutorials


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 (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.

* February 2015: Now offering payroll for the UK

* March 2015: New version of Xero for iOS that provides custom layouts for iPad.

“#Xero is the best thing that ever happened to my business. Who knew book-keeping could be fun?!” - @CareerSpa_Wanda via Twitter.

“In case I haven't said it enough already, I LOVE @Xero. 2 quarters done in just over an hour vs 6+ hrs on old system.” - @ICT_GURU via Twitter.

Xero User Reviews

My business couldn't run without it!

Verified Reviewer  11th of September 13:56

Kelly Migro, Managing Director at E-Accountant Pty Ltd
I am a Xero Certified Advisor, and Xero is the main software that I use for my clients and support! I started using Xero when I started my business E-Accountant in 2010 and stumbled upon it by chance and it was the best thing that ever happened to me! I find it very easy to maintain my clients accounts with, and I also train small business owners/staff on how to use Xero in the most effective way for their business needs. I find that everyone that uses or that i have trained how to use Xero is able to pick it up very easily and quickly. The other thing that I love is the fact that there is continually improvements and upgrades to the app without having to do anything yourself. They also listen to what the users of Xero want in the Xero and will try to implement. No business can operate without a good accounting software.

Spend more on marketing than app

Verified Reviewer  17th of August 13:12

Co Owner (Consumer Services company, 1-10 employees)
I love Xero. It really is beautiful accounting. However, before you purchase take a good look at the feature requests and you'll see many things from 3-4 years ago at the top of the list filled with frustration. It seems Xero spend more time and money on its marketing than fulfilling basic business needs. Don't get me wrong, Xero does so much right, but its not until your neck deep you realise it is missing some of the most basic of features their competitors are able to offer at half the price. (Mind you, those competitors will lack in other areas, but they are usually half the price or more).

Xero is a time saver

Verified Reviewer  11th of August 08:12

Will Roffé, Brand Builder, Strategic Copywriter, Creative Director
We moved from an electronic, desktop-based system to Xero after being prompted by colleagues. There is so much to learn if you want to get under the hood, or you can perform the basics and let your financial advisor do the rest. We have different apps integrated with Xero which makes the whole business process from start to finish really easy. So the integrations make Xero more powerful than it is on its own. I do find it expensive for what it is but have accepted that it's just the cost of doing business. Irrespective of cost, if you want an easy accounting system that essentially learns your common transactions and what they are for as you go, making record keeping pretty easy, then have a look at Xero.

SME Accounting Software

Verified Reviewer  27th of July 03:32

Kevin Maes, Managing Director at Welify.com
We are using Xero for two years now and currently I do not see any reason why we woud change. Great affordable solution for young and fast growing businesses. Easy to use and very clear dashboard on your accounting situation.

Overall great, but one flaw to be vary of

Verified Reviewer  19th of July 06:09

Phill Dromgool, Sports Nutrition Managing Director
I have been using Xero for a couple of years now and am very happy with it. I was with MYOB but had a bad experience when they upgraded their systems to include cloud computing. I have had a look at their new systems, and while they are much improved and worth exploring for someone starting from scratch, I will still stick with Xero.

Xero Is My New Hero

Verified Reviewer  18th of July 11:10

Jordan Zoot, CPA.CITP.CGMA, Managing Director & CEO - aBIZInaBOX Inc - Integrated Tax, Financial Advisory and Technology Consulting
What a wonderful surprise....after 15+ years on various flavors of QBOnline to switch to an accounting software package that makes sense! We are a Xero Certified Partner, I should say that up front. It to me three days to convert three years of data - that 70K transactions of raw bank feed and paypal feed date into a complete and balanced file.It took an hour and fifteen minutes to complete a salesforce itegration..something I never really got to work with QBOnline. In the two weeks that followed we got 27 companies set up on Xero and it all works well. It isn't perfect but its a vast improvement.

NOT Friendly for service contractors who office out in the field!

Verified Reviewer  4th of February 21:50

Mike Smith, President
So many issues, I don't know where to start. First off, creating quotes was just added, but only to the desktop version. "Coming soon" for phone/tablet apps. Second, I can't create new client profiles within the app. I must be using the website interface. Third, I can't open an invoice within the app that has a partial payment applied. I'm always receiving partial payments for material deposits. Fourth, if I need to edit an invoice (add time or materials), I must "remove and redo" any payments that have been applied to the invoice. Are you kidding me? Fifth, I asked my rep if the website had a native mobile version (for all of these "it's not in the app yet" scenarios, and he assured me "absolutely". Wrong. Pinch, zoom, slide, zoom out, repeat. Waste of time. This list goes on, but I'll stop there. That plumber lady in their commercial must not really have a handle on how to run a service/construction industry company. Out of the four cloud-based invoicing/accounting companies I've tried, this easily takes the top spot as one I will never give a second chance to.

A central hub for your business software

Verified Reviewer  24th of October, 2014 07:17

Chris Hooper, Director at Hooper Financial / Group Finance Director at ITS Technology Group
I have recently migrated 4 x group companies from Sage to Xero and the benefits are already paying dividends. Xero is so much more than an accounting system - it helps us solve lots of other business challenges too.


Verified Reviewer  16th of August, 2014 14:46

Product Manager (Computer Software company, 51-200 employees)
We reviewed 10 accounting apps. Xero is the best. We are using it so far.

Xero- Beautiful accounting for both the business owner and accountant

Verified Reviewer  10th of August, 2014 17:23

Cristina Garza, Chief Number Cruncher || Accountingprose
As a small business owner and accountant, I have tried many accounting softwares. I was a Quickbooks Pro Advisor for five years and relied heavily on an expensive and inconsistent server to share data with clients. A forward thinking, tech savvy client mentioned Xero to me a few years ago and I blew him off. I have seen accounting software try to compete with Quickbooks and many have failed. I was afraid of ditching the my current method of working with my clients, because I didn't want to have to deal with the struggle of switching software, only to have to do it again after the business tanks or bugs in the code would cause me to become far too frustrated. After several more clients mentioned Xero, I thought I would give it a shot. I tested the software out, totally putting it through the ringer. I used a client as a beta tester and asked for feedback on it. We worked on the file together and tried our best to break the program. After a month of working on Xero, I was hooked! I took all of my clients off of the server and Quickbooks and moved them to Xero and I am so glad that I did. Highlights of Xero (from prospective of an accountant) - I can work with my clients in real time: Clients can leave us notes, can see what we are seeing, and can use Xero on smartphones and laptops- you aren't tied to an operating system - I don't have to waste time on data entry: Bank feeds are magical - I am able to achieve great results at a fraction of the cost: no software upgrades to pay for, no server costs - CPAs still get all of the data they need via Xero reports - Xero customer service is tops- Have an issue? They handle the issue quickly - Xero add ons are amazing and you accounting system can be tied with an SaaS application quickly and easily.

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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.

Xero's Accounts Tab.

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.

Getting an overview of the balance sheet.

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.

Bank Reconciliation in Xero


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.

Main Xero dashboard showing a financial overview.


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.

Issuing a payment receipt in Xero.

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 350 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.

The Bills and Expenses category in Xero's add-on 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 350 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 350 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

FAQs for Xero

Below are some frequently asked questions for Xero.

Q. What are the main features of Xero?

Xero offers the following features:

  • Bank Rec - Automatically import and code transactions
  • Invoicing - Create and send invoices automatically
  • Add-ons - Pick from a wide range of powerful add-ons
  • Dashboard - Instantly see your bank balances, sales & bills
  • Files - Attach documents to your financial data
  • Smart Lists - Segment contacts based on purchase history
  • Contacts - Keep track of customers and suppliers
  • Login from anywhere
  • Payroll
  • Multi-currency
  • Purchase orders
  • Expense claims
  • Inventory
  • Quick & easy 1099s
  • Mobile apps (iPhone,iPad, Android)
  • Receive bills electronically
  • Free, Unlimited Email Support
  • Multi-currency
  • Financial Reporting

Q. How much does Xero cost?

We have the following pricing information for Xero:

Starting from: $9.00/month
Pricing model: Open-source, Subscription
Free Trial: Available (No Credit Card required)

Q. Who are the typical users of Xero?

Xero has the following typical customers:

Freelancers, Non Profits, Small Business

Q. What languages does Xero support?

Xero supports the following languages:


Q. What type of pricing plans does Xero offer?

Xero has the following pricing plans:

Free Trial, Open-source, Subscription

Q. Does Xero support mobile devices?

Xero supports the following devices:

Android, iPhone-iPad, Windows Phone

Q. Does Xero offer an API?

Yes, Xero has an API available for use.

Q. What other apps does Xero integrate with?

Xero integrates with the following applications:

Expensify, Shopify, Checkfront, OnePage CRM, Highrise CRM, Receipt Bank, Nexonia Expenses, CRM, Payroll , CustomerSure, Payment Evolution, and many others, Evernote, Invoicing, Constant Contact, ClickDesk, Inventory, CollabSpot, Stitch Labs, Batchbook, Stripe, Square, ZenPayroll, Avalara, Xpenditure, PayPal, Veeqo, FG Receivables Manager, WorkflowMax, XO Cashflow, Quotient, Exsalerate, Pepperi, Tallie

Q. What level of support does Xero offer?

Xero offers the following support options:

Forum, Knowledge Base, Online Support, Video Tutorials

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