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.
Read the articlePaying HMRC is all part of running a small business. Here’s how to do it for each small business tax.
Read the articleNational Insurance is paid on earnings, profits, expenses, and benefits. Here are the rates and calculations for 2025/26.
Read the articleNational Insurance is paid on earnings, profits, expenses, and benefits. Here are the rates and calculations for 2025/26.
Read the articleCybercrime is on the rise. Here, we show you tips and cybersecurity best practices for keeping your team, clients, and data safe.
Read the articleCybercrime is on the rise. Here, we show you tips and cybersecurity best practices for keeping your team, clients, and data safe.
Read the articleLearn how e-invoicing can save you and your clients time on admin, enable compliance with global standards, and facilitate cross-border trade.
Read the articleLearn how e-invoicing can save you and your clients time on admin, enable compliance with global standards, and facilitate cross-border trade.
Read the articleYour markup strategy has a big impact on your business profitability. Here’s how to get it right.
Read the articleYour markup strategy has a big impact on your business profitability. Here’s how to get it right.
Read the articleLearn what Deferred Income Means, How to Record it, and why it matters for your small business cash flow, reporting, and tax planning.
Read the articleLearn what Deferred Income Means, How to Record it, and why it matters for your small business cash flow, reporting, and tax planning.
Read the articleThe required EPC rating for landlords is increasing, which means it might be time to make energy efficiency upgrades.
Read the articleThe 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
for the first 6 months
Then £16 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions (optional)
- Auto-reconcile transactions (optional)
- Smart document capture
- View real-time reports
- Enter 10 bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for £0.20 per payment††
- Payroll for £1.50 per person
- 30 day cash flow forecast
- Visualise performance with basic graphs
Grow
for the first 6 months
Then £37 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 5 payments
- Payroll for 1 person
- 60 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 1 user
Comprehensive
for the first 6 months
Then £50 per month
Optimise profitability - tailor your insights for greater control.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 10 payments
- Payroll for 5 people
- 90 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 5 users
- Use multiple currencies
- Tailored financial health scorecards
- Make online bill payments (International) - Optional add-on
Ultimate
for the first 6 months
Then £65 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 15 payments
- Payroll for 10 people
- 180 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 10 users
- Use multiple currencies
- Tailored financial health scorecards
- Make online bill payments (International) - Optional add-on
- Track time and costs for projects for 10 users
- Analyse KPIs and ratios
- Benchmark against the industry
Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.