Easy accounting software for your small business
Xero's user-friendly software helps you manage your business finances. Send online invoices, automatically reconcile your bank transactions, and get clear on your cash flow – all in one place. Start your 30-day free trial without any credit card details.
Join millions of small businesses worldwide
More than 4 million subscribers globally use Xero's online accounting software to streamline their finances.
See your bank data flow straight into Xero
Most banks can be connected to Xero automatically via a secure direct feed for daily updates.
Handle financial admin on any device, anytime
Stay productive by working in the cloud – on your laptop, phone, or tablet.
Get help whenever you need it
Get round the clock peace of mind with support from Xero experts, and find help in Xero Central.
Automate your bank reconciliations
Connect your business bank accounts so Xero imports and categorizes your transactions for you. Then let Xero suggest matches and breeze through your reconciliations every day, not just at tax time. Cut hours off your bookkeeping and keep your records up to date.
- Get automatic feeds from your US bank and credit card so your transactions import into Xero automatically
- Accept Xero's suggested matches or reconcile transactions yourself
- Keep an accurate view of your bank balances and available cash
Send invoices faster
Want the cash in the bank sooner? Use Xero's templates to create online invoices, then offer your customers easy ways to pay and ask Xero to nudge your late payers so you don't have to chase them.
- Add your logo and payment terms to Xero's templates for professional invoices
- Give customers a slick payment process with a Pay Now button on invoices – and encourage prompt payments
- Accept payments by PayPal, direct debit, cards and digital wallets
- Automatically send polite emails to remind your customers to pay on time
Make data-backed decisions every time
No more guesswork! Run customized financial reports for precise numbers when you need them. And if you've got questions, work with your accountant or bookkeeper in real time in Xero and share your data from anywhere.
- Get profit and loss reports, balance sheets, and cash flow forecasts
- Give your accountant or bookkeeper free access to your Xero organization, and work on your numbers together
- Organize your accounting data in one central place for easy reporting
Everything your small business needs
Xero is an all-in-one system for your financial admin and bookkeeping. Get accurate workflows and specialist features.
Do more with third-party apps
Xero connects with Gusto, Shopify, Stripe, and many more specialist apps. Add them as your business grows!
Track expenses from your phone
Use the Xero Accounting app to add bills you’ve received and record payments made when you’re on the move.
Expand your international trade
Xero shows the exchange rate for foreign currency transactions, with today's exchange rate if they're unpaid.
FAQs on Xero's small business accounting software
Small business accounting software helps you handle your financial admin, including invoicing, bank reconciliation, cash flow management, payroll, and financial reporting. Xero automates many of these jobs for you, saving you time every week. And because Xero works in the cloud, you can use it anytime, anywhere, including on your phone or tablet.
Small business accounting software helps you handle your financial admin, including invoicing, bank reconciliation, cash flow management, payroll, and financial reporting. Xero automates many of these jobs for you, saving you time every week. And because Xero works in the cloud, you can use it anytime, anywhere, including on your phone or tablet.
You can use spreadsheets for some accounting tasks, but they require lots of manual data entry and are prone to errors. Xero gives you a whole system for your financial admin. You can connect your US business bank accounts so that your transaction data automatically flows into your Xero organization. A set of clever processes and automations then makes light work of your admin, saving you manual effort and minimizing the risk of errors. And Xero lets you add extra features and third-party apps as your business grows.
You can use spreadsheets for some accounting tasks, but they require lots of manual data entry and are prone to errors. Xero gives you a whole system for your financial admin. You can connect your US business bank accounts so that your transaction data automatically flows into your Xero organization. A set of clever processes and automations then makes light work of your admin, saving you manual effort and minimizing the risk of errors. And Xero lets you add extra features and third-party apps as your business grows.
Absolutely! Most banks can be connected to Xero automatically via a secure direct feed for daily updates. For example, American Express (US) transactions can be imported into Xero daily once connected. Once you’ve connected your bank accounts, transactions will flow automatically into Xero, helping keep your records up to date.
Absolutely! Most banks can be connected to Xero automatically via a secure direct feed for daily updates. For example, American Express (US) transactions can be imported into Xero daily once connected. Once you’ve connected your bank accounts, transactions will flow automatically into Xero, helping keep your records up to date.
Xero has plans for different business sizes and budgets, and you can switch between plans at any time. To try Xero’s software and features, start a 30-day free trial.
Compare Xero's pricing plansXero has plans for different business sizes and budgets, and you can switch between plans at any time. To try Xero’s software and features, start a 30-day free trial.
Compare Xero's pricing plansCertainly. You can invite your accountant or bookkeeper to access your Xero organization at no extra cost. They can view your accounts, run reports, and make adjustments if necessary. And whenever you want to talk through your numbers with them, you can both access the same Xero data in real time.
Certainly. You can invite your accountant or bookkeeper to access your Xero organization at no extra cost. They can view your accounts, run reports, and make adjustments if necessary. And whenever you want to talk through your numbers with them, you can both access the same Xero data in real time.
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
Early
for the first 3 months
Then $25 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with basic graphs
- 30 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
Growing
for the first 3 months
Then $55 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 60 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
Forecast with clarity
Forecast with clarity
Established
for the first 3 months
Then $90 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 180 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Make online bill payments (International)
Get one month free
Purchase any Xero plan, and we will give you the first month free.
Useful features to run your business
Xero’s online accounting software is designed to make life easier for small businesses – anywhere, any time.
*Fees apply for other payment methods.