- Starting price
- $2.50/mo
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.
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
View pricingPlans and prices as listed on xero.com as of Sep 4, 2026.
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)
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
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)
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The company behind Xero
- Founded
- 2006
- Headquarters
- Wellington, New Zealand
- Employees
- 5,001–10,000
- Founder
- Rod Drury
- Website
- xero.com
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