Small business accounting software that saves you time
Spend less time on admin and more time running your business. Submit VAT and stay Making Tax Digital ready, then see your cash flow as it happens so you always know where you stand.
Every industry is unique. Find accounting solutions ideal for your small business
Advertising
Claim expenses, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Agriculture
Track inventory, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Architects
Claim expenses, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Auto repair
Set up bank feeds, claim expenses, and collaborate with your accountant or bookkeeper online.
Bars
Claim expenses, send invoices, and collaborate with your accountant or bookkeeper online.
Cafes
Claim expenses, set up bank feeds, and do your accounting on the go with the Xero mobile app.
Car dealers
Do your accounting on the go with the Xero mobile app, claim expenses, and connect to your bank.
Churches
Automate admin, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Construction
Send quotes, create invoices, track expenses and manage jobs from the mobile app.
Consulting
Create invoices, claim expenses, and do your accounting on the go with the Xero mobile app.
Contractors
Claim expenses, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Ecommerce
Track cash flow, pay bills, and accept online sales across multiple currencies.
Education
Automate admin, claim expenses, and collaborate with your accountant or bookkeeper online.
Engineering
Claim expense, set up bank feeds, and benefit from a user-friendly design.
Farming
Automate everyday tasks, track everything in one place, and send invoices online.
Freelancers
Make tax time easier, set up bank feeds, and collaborate with your accountant and bookkeeper online.
Gyms
Claim expenses, do your accounting on the go with the Xero mobile app, and collaborate with your accountant.
Healthcare
Simplify payroll, track inventory, and manage your workload on the go.
Hospitality
Stay on top of cash flow, manage bill payments, and pay employees online.
Hospitals
Track cash flow, easily accept payments, and pay staff quickly.
Hotels
Automate everyday tasks, track everything in one place, and send invoices online.
Insurance
Stay on top of cash flow, claim expenses, and pay employees online.
Landlords
Keep track of property finances, automate rent collection and manage tenancy records.
Landscaping
Do your accounting on the go with the Xero mobile app, claim expenses, and connect to your bank.
Lawn care
Claim expenses, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Legal
Invoice clients, keep track of bills, and give clients more ways to pay.
Logistics
Do your accounting on the go with the Xero mobile app, claim expenses, and connect to your bank.
Manufacturing
Track inventory, send quotes, and monitor your financial performance online.
Massage therapists
Claim expenses, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Mining
Claim expenses, set up bank feeds, and benefit from a user-friendly design.
Moving companies
Do your accounting on the go with the Xero mobile app, claim expenses, and connect to your bank.
Nannying
Automate admin, set up bank feeds, and collaborate with your accountant or bookkeeper online.
Non-profits
Track cash flow, pay bills, and accept online sales across multiple currencies.
Nursing homes
Automate admin, claim expenses, and collaborate with your accountant or bookkeeper online.
Personal trainers
Send invoices, do your accounting on the go with the Xero mobile app, and collaborate with your accountant.
Printing
Simplify payroll, track inventory, and manage your workload on the go.
Professional services
Send invoices, schedule bill payments, and enjoy simple bank reconciliation.
Real estate
Track performance, manage expenses, and do your accounting on the go with the Xero mobile app.
Restaurants
Automate admin, claim expenses, and collaborate with your accountant or bookkeeper online.
Retail
Track cash flow, easily accept payments, and pay staff quickly.
Self employed
Send invoices, schedule bill payments, and enjoy simple bank reconciliation.
Start up
Save time on bookkeeping and keep a close eye on cash flow and the financial health of your business.
Textile
Track inventory, claim expenses, and collaborate with your accountant or bookkeeper online.
Translators
Send invoices, schedule bill payments, and enjoy simple bank reconciliation.
Transportation
Do your accounting on the go with the Xero mobile app, claim expenses, and connect to your bank.
Travel agencies
Do your accounting on the go with the Xero mobile app, pay staff easily, and claim expenses.
Easy to use, no accounting experience needed
Manage invoices, bills, banking and reporting from one easy-to-use platform, no accounting know-how required.
VAT and Making Tax Digital, sorted
Submit VAT returns straight to HMRC and stay Making Tax Digital ready, with time to spare.
See your numbers as they update
Track cash flow and pull reports whenever you need them, so you can make confident decisions fast.
Your books, on the go
Use the Xero Accounting app to invoice, track expenses and check cash flow from your phone, wherever you are.
Send invoices and get paid your way
Create professional online invoices and quotes, then set automatic reminders so nothing slips through. Offer more ways to pay to make settling up easy for customers. Xero customers who use online invoice payments get paid up to twice as fast.
See how to manage bills and payments
Reconcile faster with automated bank feeds
Your bank transactions import automatically through live bank feeds, and Hubdoc captures your bills and receipts. JAX (beta) reconciles the transactions it's confident about, while you keep the final say over every match.
Stay ready for VAT, MTD and tax
File VAT returns directly to HMRC and stay ahead of Making Tax Digital for VAT and Making Tax Digital for Income Tax. Working in construction? CIS features help you handle subcontractor deductions with less manual effort.
Read HMRC's Making Tax Digital for VAT guidance
Spot trends early with clear reports
Build the reports that matter to you and check short-term cash flow at a glance. JAX insights help you spot trends early, so you can plan ahead with confidence.
Discover how JAX works
Run your books from your phone
Track expenses, send invoices, and check your cash flow wherever you are with the Xero Accounting app. Snap a photo of a receipt between jobs and get straight back to work!
Explore the Xero Accounting app
Connect the apps you already use
Link Xero to hundreds of apps through the Xero App Store, from payments and ecommerce to inventory and time tracking. Add the tools that fit how you work and keep your data flowing into one place.
Explore the Xero App Store
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FAQs on Xero's small business accounting software
Yes. Xero is designed to be easy to use, even if you've never done your own bookkeeping before. Clear steps and a simple layout guide you through everyday tasks, and 91% of customers agree Xero is easy to use.* See how Xero accounting software works before you commit.
*Source: Xero survey, May–June 2024.
Yes. Xero is designed to be easy to use, even if you've never done your own bookkeeping before. Clear steps and a simple layout guide you through everyday tasks, and 91% of customers agree Xero is easy to use.* See how Xero accounting software works before you commit.
*Source: Xero survey, May–June 2024.
Absolutely. Xero supports Making Tax Digital for VAT and is building readiness for Making Tax Digital for Income Tax (beta), so you can meet HMRC's digital requirements with confidence.
Absolutely. Xero supports Making Tax Digital for VAT and is building readiness for Making Tax Digital for Income Tax (beta), so you can meet HMRC's digital requirements with confidence.
Definitely. HMRC recognises Xero for VAT submissions and Real Time Information (RTI) payroll reporting, so the returns and reports you file meet official requirements. See GOV.UK for the rules on running payroll.
Definitely. HMRC recognises Xero for VAT submissions and Real Time Information (RTI) payroll reporting, so the returns and reports you file meet official requirements. See GOV.UK for the rules on running payroll.
Xero offers plans that scale as your business grows, so you only pay for what you need. You can get one month free to try Xero first. Compare plans and pricing to find your fit. Compare plans and pricing to find your fit.
Xero offers plans that scale as your business grows, so you only pay for what you need. You can get one month free to try Xero first. Compare plans and pricing to find your fit. Compare plans and pricing to find your fit.
Certainly. You can manage invoicing, bills and payroll together in one place, and Xero payroll is HMRC and RTI compliant to keep you on track. You can also work with your accountant or bookkeeper in real time.
Certainly. You can manage invoicing, bills and payroll together in one place, and Xero payroll is HMRC and RTI compliant to keep you on track. You can also work with your accountant or bookkeeper in real time.
Yes. Xero suits both sole traders and limited companies, with plans that scale as you grow, so it keeps working for you as your business changes.
Yes. Xero suits both sole traders and limited companies, with plans that scale as you grow, so it keeps working for you as your business changes.
Get one month free
Purchase any Xero plan, and we will give you the first month free.
Plans for growing businesses
Ignite
for the first 6 months
Then £18 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
- 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
- Company accounts and tax (optional £120 excl. Vat billed annually)
Grow
for the first 6 months
Then £39 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
- 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
- Company accounts and tax (optional £120 excl. Vat billed annually)
Comprehensive
for the first 6 months
Then £55 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
- 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
- Company accounts and tax (optional £120 excl. Vat billed annually)
- Budget with smart suggestions
Ultimate
for the first 6 months
Then £70 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
- 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
- Company accounts and tax (optional £120 excl. Vat billed annually)
- Budget with smart suggestions
Not VAT registered? See plans for simpler business needs.View plans
Explore useful features to run your business
Xero’s online accounting software is designed to make life easier for small businesses – anywhere, any time.
