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How to manage debt

Debt can be a useful tool to start and grow your business. But what can you do if that debt starts to become a problem?

A small business owner checking their accounts on a mobile phone

Download the guide to managing debt

Learn how your small business can manage debt. Fill out the form to receive this guide as a PDF.

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Flexible features made for your business

  • Bank reconciliation

    Keep your account balances and financials up to date. Easily confirm that the transactions in your bank accounts are recorded in your business financial records with Xero’s bank reconciliation software.

  • Online invoicing

    Work smarter, not harder with Xero’s intuitive invoicing software. With Xero online accounting, you can send invoices, automate reminders and so much more from the comfort of your desktop or mobile app. Finish your invoice admin at a time that works for you and your small business.

  • GST returns

    Prepare accurate returns automatically, and securely file GST online from Xero to Inland Revenue.

Plans to suit your business

All pricing plans cover the accounting essentials, with room to grow.

Ignite

Usually $35

Now $7

NZD per month

Save $84 over 3 months

Accounting basics for businesses starting out.

Grow

Usually $83

Now $16.60

NZD per month

Save $199.20 over 3 months

Accounting tools for the self-employed and growing businesses.

Comprehensive

Usually $110

Now $22

NZD per month

Save $264 over 3 months

Streamlined accounting and payroll for businesses with employees.

Ultimate

Usually $125

Now $25

NZD per month

Save $300 over 3 months

Accounting, payroll and forecasting tools to help businesses scale for future growth.

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Get one month free

Purchase any Xero plan, and we will give you the first month free.

Cloud-based accounting software for a healthy business. Start using Xero for free