Xero
Cloud accounting platform for invoicing, bank reconciliation, bills, reporting, cash flow, payments, projects and connected small-business finance.
Xero covers invoicing, quotes, bank reconciliation, bills, smart document capture, reporting, cash-flow forecasting, sales tax, 1099 workflows, bill payments and performance dashboards. Established adds multicurrency, projects, expenses, KPI/ratio analysis, benchmarking and longer forecasting; payroll and Inventory Plus are optional add-ons.
G2 currently rates Xero 4.4/5 from 1,834 reviews and Capterra 4.4/5 from 3,329 with 4.4 ease of use and 4.0 customer service. Reviewers consistently praise intuitive cloud bookkeeping, bank feeds and reconciliation, while bank-feed syncing, reporting flexibility and support remain recurring concerns.
Xero publishes clear regular US monthly prices of $27 Early, $59 Growing and $97 Established, offers one month free, charges no per-user license fees and clearly lists optional add-ons. The Early plan's 20-invoice/5-bill limits and the 2026 regular prices are meaningful constraints, but unlimited users preserve strong team value.
Xero's App Store lists more than 1,000 certified apps. Xero is certified to ISO/IEC 27001:2022 and produces independent SOC 2 reports for its cloud accounting system, with a mature defense-in-depth security program.
Scored by Aditya Verma
Quick facts
- Vendor
- Xero Limited
- Pricing model
- paid
- Plan pricing
- $27/mo Vendor source checked; not a hands-on review
- Free plan
- Not confirmed
- Free trial
- Yes — check eligibility
- Last verified
- Not yet verified
About Xero
Xero is a cloud accounting platform for small businesses, accountants and bookkeepers. It combines invoicing, quotes, bank reconciliation, bills, smart document capture, reporting, sales tax, 1099 workflows, cash-flow forecasting and bill payments, with multicurrency, projects, expenses and deeper analytics on its Established plan and more than 1,000 certified app integrations.
Best for
Small and midsize businesses, accountants and finance teams that want intuitive cloud accounting, unlimited users and a very large integration ecosystem.
Xero pros and cons
Pros
- No per-user license fees on current US plans.
- One month free is currently available on any plan.
- Regular pricing is clearly published at $27, $59 and $97 per month.
- Xero App Store currently lists more than 1,000 certified apps.
- Security assurance includes ISO/IEC 27001:2022 certification and independent SOC 2 audits.
Cons
- −Early is limited to 20 invoices and 5 bills.
- −Established is required for multicurrency, projects and employee expenses.
- −Customer service ratings trail overall ease-of-use scores.
- −Advanced reporting/customization can be limiting for businesses approaching ERP complexity.
- −Xero requires one month's notice to cancel a paid subscription and generally provides no refund on termination.
Features
Platforms
Integrations
Pricing
$27/month regular US price. Includes quotes, up to 20 invoices, 5 bills, bank reconciliation, Smart Document Capture, core reports, W-9/1099 management, sales tax and 30-day cash-flow forecasting.
$59/month regular US price. Removes Early invoice/bill limits and adds automated bill entry, stronger dashboards, 60-day cash-flow forecasting, budgets and auto-reconcile.
$97/month regular US price. Adds 180-day cash-flow forecast, multicurrency, project time/cost tracking, employee expenses/mileage, KPI/ratio analysis, benchmarking and international bill payments.
Official pricing / availability source · Checked 6 October 2026. Confirm current taxes, regional terms and allowances. A listed plan is not necessarily the cheapest option.
Editorial verification: Not yet verified. Check the vendor's site for current pricing.