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Ebony-Storm Halladay

Ebony-Storm is a freelance writer who specialises in making accounting, tax, and finance topics simple and accessible for everyday audiences. For a decade, she has written for market-leading software companies, tech and industry publications, startups, and small businesses.

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Read all of Ebony's articles for Xero

Paying HMRC is all part of running a small business. Here’s how to do it for each small business tax.

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Paying HMRC is all part of running a small business. Here’s how to do it for each small business tax.

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National Insurance is paid on earnings, profits, expenses, and benefits. Here are the rates and calculations for 2025/26.

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National Insurance is paid on earnings, profits, expenses, and benefits. Here are the rates and calculations for 2025/26.

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Cybercrime is on the rise. Here, we show you tips and cybersecurity best practices for keeping your team, clients, and data safe.

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Cybercrime is on the rise. Here, we show you tips and cybersecurity best practices for keeping your team, clients, and data safe.

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Learn how e-invoicing can save you and your clients time on admin, enable compliance with global standards, and facilitate cross-border trade.

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Learn how e-invoicing can save you and your clients time on admin, enable compliance with global standards, and facilitate cross-border trade.

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Your markup strategy has a big impact on your business profitability. Here’s how to get it right.

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Your markup strategy has a big impact on your business profitability. Here’s how to get it right.

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Learn what Deferred Income Means, How to Record it, and why it matters for your small business cash flow, reporting, and tax planning.

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Learn what Deferred Income Means, How to Record it, and why it matters for your small business cash flow, reporting, and tax planning.

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The required EPC rating for landlords is increasing, which means it might be time to make energy efficiency upgrades.

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The required EPC rating for landlords is increasing, which means it might be time to make energy efficiency upgrades.

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All plans to suit your business

Ignite

Usually £16

Now £3.20

GBP per month excluding VAT

Save £76.80 over 6 months

An easy financial foundation - track cash flow with the essentials.

  • Included
    Send quotes and 20 invoices†
  • Included
    Accept online invoice payments^
  • Included
    MTD for Income Tax ready
  • Included
    Reconcile bank transactions
  • Included
    Smart document capture
  • Included
    View real-time reports
  • Included
    Enter 10 bills
  • Included
    Submit VAT returns to HMRC
  • Included
    Automate subcontractor CIS calculations and reports
  • Included
    Make online bill and payroll payments (domestic) for £0.20 per payment††
  • Included
    Payroll for £1.50 per person
  • Included
    30 day cash flow forecast
  • Included
    Visualise performance with basic graphs

Grow

Usually £37

Now £7.40

GBP per month excluding VAT

Save £177.60 over 6 months

Go beyond the basics - automate tasks and access performance dashboards.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    MTD for Income Tax ready
  • Included
    Reconcile bank transactions
  • Included
    Smart document capture
  • Included
    View real-time reports
  • Included
    Automate bill entry and track bills
  • Included
    Submit VAT returns to HMRC
  • Included
    Automate subcontractor CIS calculations and reports
  • Included
    Make online bill and payroll payments (domestic) for up to 5 payments
  • Included
    Payroll for 1 person
  • Included
    60 day cash flow forecast
  • Included
    Visualise performance with graphs
  • Included
    Customise performance dashboards
  • Included
    Claim expenses and mileage for 1 user

Comprehensive

Usually £50

Now £10

GBP per month excluding VAT

Save £240 over 6 months

Optimise profitability - tailor your insights for greater control.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    MTD for Income Tax ready
  • Included
    Reconcile bank transactions
  • Included
    Smart document capture
  • Included
    View real-time reports
  • Included
    Automate bill entry and track bills
  • Included
    Submit VAT returns to HMRC
  • Included
    Automate subcontractor CIS calculations and reports
  • Included
    Make online bill and payroll payments (domestic) for up to 10 payments
  • Included
    Payroll for 5 people
  • Included
    90 day cash flow forecast
  • Included
    Visualise performance with graphs
  • Included
    Customise performance dashboards
  • Included
    Claim expenses and mileage for 5 users
  • Included
    Use multiple currencies
  • Included
    Tailored financial health scorecards
  • Included
    Make online bill payments (International) - Optional add-on

Ultimate

Usually £65

Now £13

GBP per month excluding VAT

Save £312 over 6 months

Future proof your scaling business - with advanced tools and analytics.

  • Included
    Send invoices and quotes
  • Included
    Automate bill entry and track bills
  • Included
    Reconcile bank transactions
  • Included
    Submit VAT returns to HMRC
  • Included
    180 day cash flow forecast
  • Included
    Smart document capture
  • Included
    View real-time reports
  • Included
    Automate subcontractor CIS calculations and reports
  • Included
    Visualise performance with graphs
  • Included
    Make online bill and payroll payments (domestic) for up to 15 payments
  • Included
    Payroll for 10 people
  • Included
    Claim expenses and mileage for 10 users
  • Included
    Customise performance dashboards
  • Included
    Use multiple currencies
  • Included
    Make online bill payments (International) - Optional add-on
  • Included
    Track time and costs for projects for 10 users
  • Included
    MTD for Income Tax ready
  • Included
    Analyse KPIs and ratios
  • Included
    Accept online invoice payments^
  • Included
    Tailored financial health scorecards
  • Included
    Benchmark against the industry

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Access Xero features for 30 days, then decide which plan best suits your business.