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Michelle Ives

Michelle Ives is a content writer and strategist with 20+ years’ experience, including work with Xero, Sendle, and Loocl. She runs the award-winning agency Wordy and Smith and contributes to major media as a freelance journalist.

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Read Michelle's articles for Xero

Discover how advanced job costing can improve margins and keep every project on track, so you can grow with confidence.

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Discover how advanced job costing can improve margins and keep every project on track, so you can grow with confidence.

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Paying overtime or bonuses? Learn how to handle extra pay and keep your payroll compliant with Xero

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Paying overtime or bonuses? Learn how to handle extra pay and keep your payroll compliant with Xero

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Discover how to track, measure and grow project profitability in your service business, so you can make every cent count.

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Discover how to track, measure and grow project profitability in your service business, so you can make every cent count.

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Managing more than one business? Learn how to simplify multi-entity accounting with smart, compliant systems and cloud tools.

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Managing more than one business? Learn how to simplify multi-entity accounting with smart, compliant systems and cloud tools.

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Understand EBITDA multiples and prepare clean, buyer-ready financials to maximise your sale price.

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Understand EBITDA multiples and prepare clean, buyer-ready financials to maximise your sale price.

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All plans to suit your business

Ignite

£3.20 per month excluding VAT

for the first 6 months

Then £16 per month

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 transactions (optional)
  • Included
    Auto-reconcile transactions (optional)
  • 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

£7.40 per month excluding VAT

for the first 6 months

Then £37 per month

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 transactions
  • Included
    Auto-reconcile transactions (Beta)
  • 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

£10 per month excluding VAT

for the first 6 months

Then £50 per month

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 transactions
  • Included
    Auto-reconcile transactions (Beta)
  • 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

£13 per month excluding VAT

for the first 6 months

Then £65 per month

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

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    MTD for Income Tax ready
  • Included
    Reconcile transactions
  • Included
    Auto-reconcile transactions (Beta)
  • 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 15 payments
  • Included
    Payroll for 10 people
  • Included
    180 day cash flow forecast
  • Included
    Visualise performance with graphs
  • Included
    Customise performance dashboards
  • Included
    Claim expenses and mileage for 10 users
  • Included
    Use multiple currencies
  • Included
    Tailored financial health scorecards
  • Included
    Make online bill payments (International) - Optional add-on
  • Included
    Track time and costs for projects for 10 users
  • Included
    Analyse KPIs and ratios
  • Included
    Benchmark against the industry

Start using Xero for free

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