Small business accounting software built for Australia
Running a small business in Australia means managing GST, BAS, payroll, and cash flow. Xero accounting software for small business automates your bookkeeping, keeps you ATO-compliant, and puts your finances at your fingertips. 91% of customers agree: it's easy to use.
How Xero's accounting software for small business keeps you ahead
Xero automates the tasks that slow small businesses down – reconciliation, BAS, invoicing – so you can focus on getting ahead.
Automate your bookkeeping with bank feeds
Connect your bank and Xero automatically imports transactions.
Stay BAS-compliant and ATO-ready
Xero automatically tracks GST and prepares your BAS. 93% of Australian customers agree Xero helps them stay compliant.
Invoice clients and get paid fast
Send customised invoices with PayTo, Zip, and Tap to Pay. Automated reminders cut time chasing payments by 50%.
Cut hours from your bookkeeping
Connect your Australian bank and Xero pulls in transactions automatically. Hubdoc – included in every plan – captures bills and receipts for you. And JAX, Xero's AI assistant, categorises and matches your transactions (beta). Less admin, more confidence, more time for what matters.
- JAX's automatic bank reconciliation means less hands-on time – with suggestions that get smarter as your data builds.
- 4 in 5 Xero customers say they save 6 hours monthly by eliminating manual data entry (Xero survey of 373 SBs globally, Oct 2025)
Stay ATO-compliant with automated BAS and GST
Xero tracks GST on every transaction and prepares BAS returns in ATO-compliant format, ready to lodge via your tax agent quarterly or monthly. Xero Payroll complies with ATO and STP regulations and includes superannuation payments. 93% of Australian customers agree Xero helps them stay compliant.
- Xero Payroll covers superannuation payments and STP reporting. Your employment compliance and accounting work together.
- 93% of Australian customers agree Xero helps them stay compliant (Xero survey, 1505 SBs AU, May 2024)
Get paid fast with professional invoicing
Customise your invoices and give customers more ways to pay: PayTo, Zip, SMS invoicing, and Tap to Pay. Xero’s automated reminders follow up on unpaid invoices, helping you spend less time chasing payments. Xero customers who use automated reminders say they spend 50% less time chasing payments.
- Send invoices on the go with the Xero Accounting app on iOS or Android – useful for businesses that quote and invoice on the job.
- Xero customers report spending 50% less time chasing payments (Xero survey of 172 SBs in Australia, May 2024)
Know where your business stands – right now
Xero turns your accounting data into clear financial reports – profit and loss, balance sheet, and cash flow forecasts. Customise them by date range for EOFY or quarterly reviews,, and let JAX add AI-powered insights for faster decisions.
- The Xero Accounting App puts your essential business finances right in your pocket on iOS or Android, making it easy to stay on top of your business, improve cash flow, and save time.
- 88% of customers agree Xero helps improve financial visibility (Xero survey of 2634 SBs, May–June 2024)
Plans to suit your business
Grow
for the first 3 months
Then $78 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Track GST and lodge BAS
- Smart document capture basic extraction
- View real-time reports
- Automate superannuation
- Payroll for 2 people
- 60 day cashflow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 1 user
Comprehensive
for the first 3 months
Then $107 per month
Optimise profitability - tailor your insights for greater control.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Track GST and lodge BAS
- Smart document capture
- View real-time reports
- Automate superannuation
- Payroll for 5 people
- 90 day cashflow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 5 users
- Use multiple currencies
- Tailored financial health scorecards
for the first 3 months
Then $143 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Track GST and lodge BAS
- Smart document capture
- View real-time reports
- Automate superannuation
- Payroll for 10 people
- 180 day cashflow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 10 users
- Use multiple currencies
- Tailored financial health scorecards
- Analyse KPIs and ratios
- Track projects for 10 users
- Benchmark against the industry
Extend Xero with 1000+ connected apps
Connect more than 1000 apps to Xero. Choose from payroll, POS, ecommerce, time tracking, CRM, and more – or build your own custom connections.
- Add unlimited general users at no extra cost – invite your accountant, bookkeeper, and team without affecting your subscription
- Businesses using app integrations report a 26% average boost in productivity
The mobile accounting app for businesses love
The Xero Accounting app lets you send invoices and reconcile your accounts on the go from your phone. 91% of customers agree Xero is easy to use – and Xero is the most loved small business accounting software in Australia.
- Getting started is straightforward from day 1 – get 24/7 support from Xero experts and personalised 1:1 setup help.
- 91% of customers agree Xero is easy to use (Xero survey of 2634 SBs, May-June 2024)
FAQs on small business accounting software in Australia
Small business accounting software combines bookkeeping and accounting in one platform.
On its own, bookkeeping software records day-to-day transactions – it does your invoicing, expense tracking, and bank reconciliation.But accounting software packages do financial reporting, tax compliance (BAS, GST), payroll, and business insights.
Xero does both: it handles the bookkeeping automatically and gives you the accounting tools – including BAS preparation and ATO lodgement – of a dedicated accounting platform.
Small business accounting software combines bookkeeping and accounting in one platform.
On its own, bookkeeping software records day-to-day transactions – it does your invoicing, expense tracking, and bank reconciliation.But accounting software packages do financial reporting, tax compliance (BAS, GST), payroll, and business insights.
Xero does both: it handles the bookkeeping automatically and gives you the accounting tools – including BAS preparation and ATO lodgement – of a dedicated accounting platform.
Essential features for Australian small businesses include:
- automated bank reconciliation with Australian bank feeds
- GST tracking and BAS preparation
- invoicing with Australian digital payment options (PayTo, Zip, Tap to Pay)
- expense tracking and receipt capture
- STP Phase 2 payroll compliance
- financial reporting and cash flow management
- mobile app access
- Online collaboration with your accountant collaboration
Xero has all these features, including the essentials: GST, BAS, ATO integration, and STP.
Essential features for Australian small businesses include:
- automated bank reconciliation with Australian bank feeds
- GST tracking and BAS preparation
- invoicing with Australian digital payment options (PayTo, Zip, Tap to Pay)
- expense tracking and receipt capture
- STP Phase 2 payroll compliance
- financial reporting and cash flow management
- mobile app access
- Online collaboration with your accountant collaboration
Xero has all these features, including the essentials: GST, BAS, ATO integration, and STP.
Xero’s pricing varies by plan. Xero offers three business plans – Early, Growing, and Established. All Xero business plans include Hubdoc for capturing bills and receipts. Unlike competitors that charge per seat, every Xero plan includes unlimited general users at no extra cost.
Xero’s pricing varies by plan. Xero offers three business plans – Early, Growing, and Established. All Xero business plans include Hubdoc for capturing bills and receipts. Unlike competitors that charge per seat, every Xero plan includes unlimited general users at no extra cost.
Yes. Xero automatically tracks GST as you go, ready for your BAS, and helps you prepare accurate BAS returns. 93% of Australian customers agree Xero helps them stay compliant.
Find official BAS guidance from the Australian Taxation Office
And for complex situations, a Xero-certified accountant can access your data in real time at no extra cost – find one in the Xero Advisor Directory.
Yes. Xero automatically tracks GST as you go, ready for your BAS, and helps you prepare accurate BAS returns. 93% of Australian customers agree Xero helps them stay compliant.
Find official BAS guidance from the Australian Taxation Office
And for complex situations, a Xero-certified accountant can access your data in real time at no extra cost – find one in the Xero Advisor Directory.
As long as you're prepared, switching over is straightforward. YOu need to:
- export your data from your current system and import it into Xero
- set up your bank feeds
- enter your opening balances.
You can choose a future conversion date and keep using your previous system until that date. Xero gives you a 24/7 support team and personalised 1:1 set-up assistance throughout.
And if you need help, you can find a Xero-certified accountant from the Xero Advisor Directory.
As long as you're prepared, switching over is straightforward. YOu need to:
- export your data from your current system and import it into Xero
- set up your bank feeds
- enter your opening balances.
You can choose a future conversion date and keep using your previous system until that date. Xero gives you a 24/7 support team and personalised 1:1 set-up assistance throughout.
And if you need help, you can find a Xero-certified accountant from the Xero Advisor Directory.
Xero connects to many banks via bank feeds, and most banks can be connected automatically for daily updates. These let Xero pull in your bank transactions, then help you reconcile them with automated matching using smart rules. And for recurring expenses, Xero uses bank rules that speed up reconciliation over time.
Xero connects to many banks via bank feeds, and most banks can be connected automatically for daily updates. These let Xero pull in your bank transactions, then help you reconcile them with automated matching using smart rules. And for recurring expenses, Xero uses bank rules that speed up reconciliation over time.
With Xero, you can manage day-to-day banking and financial admin more easily, and work with your accountant or bookkeeper in real time when you need support. Xero accounting software handles your bookkeeping – bank reconciliation, invoicing, expense tracking, and BAS preparation.
But an accountant is adds strategic value: tax planning, compliance guidance, business growth advice. The two work best together. Xero includes unlimited general users at no extra cost, so your accountant can access your books in real time.
Find a certified professional through the Xero Advisor Directory.
With Xero, you can manage day-to-day banking and financial admin more easily, and work with your accountant or bookkeeper in real time when you need support. Xero accounting software handles your bookkeeping – bank reconciliation, invoicing, expense tracking, and BAS preparation.
But an accountant is adds strategic value: tax planning, compliance guidance, business growth advice. The two work best together. Xero includes unlimited general users at no extra cost, so your accountant can access your books in real time.
Find a certified professional through the Xero Advisor Directory.
There’s quite a difference. Cloud accounting software gives you cloud-based access, with backups and updates.
But with cloud accounting software like Xero, you can:
- access cloud accounting software from any device
- get automatic updates
- store your data securely in the cloud, with automatic backups.
Cloud accounting also allows real-time collaboration – your accountant can work in your books at the same time as you.
Xero also has mobile apps for iOS and Android.
There’s quite a difference. Cloud accounting software gives you cloud-based access, with backups and updates.
But with cloud accounting software like Xero, you can:
- access cloud accounting software from any device
- get automatic updates
- store your data securely in the cloud, with automatic backups.
Cloud accounting also allows real-time collaboration – your accountant can work in your books at the same time as you.
Xero also has mobile apps for iOS and Android.
Cloud accounting platforms use enterprise-grade security to protect financial data. Xero includes multi-factor authentication, data encryption, cloud backup, and user-role-based permissions to help keep your business information safe.
Xero has won the IDC 2024 SaaS Customer Satisfaction Award and the 2025 Fintech Breakthrough Award for Best Overall Accounting Platform. Around the world, 4.6 million subscribers trust Xero with their accounting.
Cloud accounting platforms use enterprise-grade security to protect financial data. Xero includes multi-factor authentication, data encryption, cloud backup, and user-role-based permissions to help keep your business information safe.
Xero has won the IDC 2024 SaaS Customer Satisfaction Award and the 2025 Fintech Breakthrough Award for Best Overall Accounting Platform. Around the world, 4.6 million subscribers trust Xero with their accounting.
Xero: Australia's accounting software
Xero is the most loved small business accounting software in Australia, recognised by the Finder Awards 2025 as the most recommended and easiest to use. With 1000+ integrations and Australian compliance built in, 4.6 million subscribers around the world trust Xero.
- Get setup Get 24/7 support from Xero experts and personalised 1:1 setup assistance – so getting started is quick
- Most Recommended Business Accounting Software (Finder Awards 2025, based on a survey of over 60,000 Australians)
Xero for your Australian small business type
Xero customisable features and integrations serve many Australian industries. Tailor Xero to the way your business works.
Hospitality businesses
Connect point of sale and other business apps to Xero to manage more of your business in one place.
Agriculture businesses
Track cash flow, manage GST as you go, and keep your business expenses organised.
Professional services and architects
Track the time and cost of work, manage project profitability and create accurate quotes and invoices.
Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.
Explore useful features to run your business
Xero’s online accounting software is designed to make life easier for small businesses – anywhere, any time.
