Xero

Accounting Software for Small Businesses

About Xero

Xero is cloud-based accounting software built for US small businesses. It unifies invoicing, payments, payroll, and reporting so teams can keep finances organized and make informed decisions.

Xero screenshot

Key Features

Xero’s AI-powered assistant and connected tools tackle everyday bookkeeping and decision-making, letting you automate mundane tasks and surface actionable signals:

JAX AI Assistant

automates tasks, spots real-time insights, and handles repetitive work so you can focus on growth.

Invoices & Quotes via Natural Language

Create invoices and quotes by asking in Xero, WhatsApp, SMS, or email, speeding up cash collection.

Smart Document Capture

Pulls bills and receipts into Xero for organized records and automatic entry.

Guided Onboarding

Access onboarding specialists during your first 90 days to set up and optimize workflows.

Summary

Best for finance and operations teams, bookkeepers, and solo founders needing real-time cash visibility and easier admin.

Pricing

Established

$9 / per month

Send invoices and quotes
Accept online invoice payments
Automate bill entry and track bills
Auto-reconcile bank transactions
Smart Document Capture
View real-time reports
W-9 + 1099 management
Sales tax
Visualize performance with graphs
180 day cash flow forecast
Make online bill payments (Domestic - Free ACH)
Make online bill payments (Cross Border)
Customize performance dashboards
Tailored financial health scorecards
Analyze KPIs and ratios
Use multiple currencies
Track time and costs for projects
Employee expense and mileage claims
Benchmark against the industry
Make online bill payments (International)

Growing

$5.50 / per month

Send invoices and quotes
Accept online invoice payments
Automate bill entry and track bills
Auto-reconcile bank transactions
Smart Document Capture
View real-time reports
W-9 + 1099 management
Sales tax
Visualize performance with graphs
60 day cash flow forecast
Make online bill payments (Domestic - Free ACH)
Make online bill payments (Cross Border)
Customize performance dashboards
Tailored financial health scorecards

Early

$2.50 / per month

Send quotes and 20 invoices
Accept online invoice payments
5 bills
Reconcile bank transactions
Smart Document Capture
View real-time reports
W-9 + 1099 management
Sales tax
Visualize performance with basic graphs
30 day cash flow forecast
Make online bill payments (Domestic - Free ACH)
Make online bill payments (Cross Border)

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