Changing the game for small business

Xero is the emerging global leader of online accounting software. It’s one of the fastest growing SaaS companies globally.

Xero set out to change the game for small business. It’s now a leader in cloud accounting across New Zealand, Australia, and the United Kingdom, employing a world-class team and serving over 4.16 million subscribers in more than 180 countries.

Our beautiful online accounting software connects people with the right numbers anytime, anywhere, on any device. Xero provides business owners with real-time visibility of their financial position and performance in a way that’s simple, smart and secure.

Xero connects small businesses to their advisors and other services. For accountants, Xero forges a trusted relationship with clients through online collaboration and gives accountants the opportunity to extend their services.

The problem

Underpinning the growth and profit of all small businesses is effective financial planning and accounting.

Xero is based on the principle that small businesses are highly sensitive to shifts in their balance sheet and cash flow. Their ability to monitor financial performance in real-time and plan ahead is crucial. Small businesses make up more than 90% of all businesses by number across OECD countries, so their success or otherwise has a direct effect on the greater economy.

The solution

At its core, Xero is an easy-to-use but powerful online accounting system that was born in the cloud. Xero provides a growing family of connected solutions as a platform for beautiful business:

  • Client accounting for small business available anywhere, anytime, and on mobile devices
  • Accountant tools for management reporting, final accounts production and compliance
  • Add-ons like Xero Payroll, Projects and Expenses
  • Integrations with more than 1000 connected third-party apps

Software as a service

Xero’s software-as-a-service business model, where software is hosted securely on the internet, allows Xero to address the large and fragmented small business sector. Xero releases new features monthly. Additions and extensions to functionality are developed in response to the needs of new customers and new industries.

The market

The size of the small business sector is second only to that of individual consumers. Typically the consumer internet has reverted to non-direct, usually advertising-based, revenue models. In contrast, we believe the small business sector provides the greatest opportunity for monetisation on the internet and Xero is proving itself to be a leading innovator in this sector.


Xero software is developed using Microsoft’s .NET development environment over resilient SQL server databases, on a Windows application server infrastructure. Our production servers are primarily hosted by AWS which monitors our servers and firewalls 24/7/365 at guarded facilities.


Founded in 2006, Xero listed on the New Zealand Stock Exchange in June 2007 and the Australian Securities Exchange in November 2012. In 2018 Xero consolidated its listing on the ASX and was included in the S&P/ASX 100 index. Xero is used in over 180 countries by more than 4.16 million subscribers and integrates with over 1000 third-party apps.

Our leadership

View profiles of Xero’s country leaders, executives and board here.


See the countries and cities around the world where Xero offices are located.

Additional resources

Xero blog

Check out our latest Xero blog posts for tips and insights, hot topic articles, and interviews with business leaders and experts.

Who's using Xero?

Read case studies of small businesses and accountants currently using Xero.

Reviewer's guide

Download the Xero Reviewer's Guide to get a comprehensive overview of Xero and our small business accounting solution.

Investor reports and presentations

Visit the investor centre for more information on our investor reports and presentations.

Who to contact

For further corporate company information or media enquiries, please contact Corporate Communications at