Simple bookkeeping software for your small business

Hit the ground running with Xero’s easy-to-use bookkeeping system. The tools and automations work together to help you zip through your admin, from recording bills to preparing your taxes for the IRS. And once you’ve finished a job? All your data is safe in the cloud for whenever you need it.

Automate for speed and accuracy

Tools like receipt capture automatically log the key info – just snap a picture and let Xero do the rest.

Get a clear financial picture

Your info is always up to date, from a snapshot of your cash flow to in-depth business reports.

Collaborate with your advisor

Got a meeting? You can both log into Xero and talk over the same set of numbers for smooth communication.

Track your income and expenses automatically

Connect your bank accounts to Xero’s simple bookkeeping software for automatic bank feeds. Every transaction is securely imported, categorized, and ready for you to reconcile – saving you tons of manual data entry every week. No more human errors! Just full confidence in your reconciliation process.

Automated bank feeds

Easily connect your business banks and set opening balances.

Quick transaction matching

Reconcile in just a few clicks and keep your records up to date.

A clear view of your cash flow

See exactly what cash is coming in and out of your accounts – and any upcoming bills.

Here’s more on connecting your bank

A balloon is tied around a stack of paperwork.

Get paid sooner with digital invoicing

When every late payment affects your cash flow, Xero gives you a frictionless set of steps. Effortlessly create and send professional invoices directly from Xero’s bookkeeping software. Offer your customers popular ways to pay you online.This helps streamline the payment process for your customers.

Customizable invoice templates

Instead of creating each invoice from scratch, use templates with your branding and payment terms.

Easy online payments

Add a Pay now button to your invoices. Offer payment options like Apple Pay, credit card, and direct debit.

Automatic email reminders

Ask Xero to politely nudge your customers about an upcoming or overdue payment. How’s that for less awkward?

Here’s more on sending invoices with Xero

Record your expenses in a snap

Stopped for a coffee? Pull out your phone and use Xero’s bookkeeping app to scan and store receipts on the spot. The software automatically imports all the key details, so you don’t need to keep the paper receipt or record anything back in the office. That’s one less job to worry about later.

Capture your business expenses

Whether it’s a business lunch or a piece of software, capture your receipts with full accuracy.

Store digital records together

All your expenses are kept securely in the cloud, ready for your financial reporting and tax deductions.

Easily categorize your expenses

Where are you spending the most? Need to tweak your budgets? Categorized expenses help you see more clearly.

An illustration shows gold coins with paper receipts and digital location icons.

Pay your team faster with Gusto

Xero and Gusto partner to create an utterly smooth process for your payroll. Connect the Gusto app to your Xero organization and let the deep integration manage the workflow, from automating your pay and tax calculations to creating financial reports.

Straightforward integration

No tech experience necessary! Easily connect Gusto and see how the integration supports frequent data flow.

Local tax compliance

Fast pay runs and reliable records mean you can hit deadlines without a hitch.

Automated wage payments

Every time you pay your team, Gusto calculates each person’s wages, taxes, and deductions for you.

Find out more about the Gusto integration

A small business owner uses the Gusto and Xero integration to pay an employee on their mobile.

Plans to suit your business

All pricing plans cover the accounting essentials, with room to grow.

Early

Usually $25

Now $2.50

USD per month

Save $135 over 6 months

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

Growing

Usually $55

Now $5.50

USD per month

Save $297 over 6 months

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

Established

Usually $90

Now $9

USD per month

Save $486 over 6 months

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

Compare plans and pricing

Xero is fantastic. The last software we had was so expensive and hard to use

Woman making cheese — Colleen from Evansdale Cheese

Xero guides on bookkeeping and accounting

Power up your knowledge and do more for your business with these guides, all written in plain English.

Small business accounting 101

Here’s how to set up your business for success, starting with the basics.

Your introduction to accounting

Bookkeeping vs accounting

Know the difference? By understanding what each involves, you can lay the right foundations for your business.

The difference between bookkeeping and accounting

Your intro to financial admin

A series of guides on the technical side of running your business.

Learn the financial nuts and bolts

Collaborate with your accountant

Hop on a call with your accountant and talk over the same screen of numbers with Xero’s cloud-based bookkeeping software. This allows for clearer discussions, whether it’s looking at the raw data of your payroll or setting some ‘big picture’ goals for your next quarter.

Invite them for free

Your bookkeeper or accountant can access your Xero organization as part of your subscription.

All your financial records are safely stored and organized for them to look at anytime.

Nail your tax season

Your accountant or tax professional can prepare for IRS filings with thorough, well-organized records.

Find an accountant or bookkeeper near you

A small business owner opens a door to find a variety of tools, representing the benefits of Xero’s bookkeeping system.

Going bigger and better with apps

Chances are, you’ve got big plans for your business. Xero integrates with a range of accounting and bookkeeping apps to help you move quicker. They all work hand in hand with Xero to give you uninterrupted data flow and an intuitive bookkeeping system.

Explore the Xero App Store

FAQs on Xero’s small business bookkeeping software

: Connect your business bank account to Xero’s online bookkeeping software, so all your transactions are automatically imported. You can then easily categorize and reconcile your transactions to keep an up-to-date record of your business’s income and expenses.
Connect your business bank account to Xero’s online bookkeeping software, so all your transactions are automatically imported. You can then easily categorize and reconcile your transactions to keep an up-to-date record of your business’s income and expenses.
: Xero automates many of the repetitive tasks that come with bookkeeping. You can see all your financial transactions on a single screen and use Xero’s tool to reconcile them with fewer clicks. You can also ask Xero to automatically send out repeating invoices, remind late-paying customers, and pay multiple bills at the same time.
Here’s info on paying your bills with Xero
Xero automates many of the repetitive tasks that come with bookkeeping. You can see all your financial transactions on a single screen and use Xero’s tool to reconcile them with fewer clicks. You can also ask Xero to automatically send out repeating invoices, remind late-paying customers, and pay multiple bills at the same time.
Here’s info on paying your bills with Xero
: Many small businesses find Xero’s online bookkeeping software a worthwhile investment. Xero saves you time on manual tasks, reduces the risk of human errors, and gives you important insights into your finances. Another benefit is a less stressful tax season – you can rely on thorough records, all organized and ready for your filings.
Many small businesses find Xero’s online bookkeeping software a worthwhile investment. Xero saves you time on manual tasks, reduces the risk of human errors, and gives you important insights into your finances. Another benefit is a less stressful tax season – you can rely on thorough records, all organized and ready for your filings.
: Bookkeeping is the day-to-day process of recording your financial transactions, like logging bills and receipts. Accounting uses this data to generate financial reports, file taxes with the IRS, and share strategic business advice. Xero simplifies your bookkeeping, making it easy for your accountant to handle the higher-level financial tasks.
Bookkeeping is the day-to-day process of recording your financial transactions, like logging bills and receipts. Accounting uses this data to generate financial reports, file taxes with the IRS, and share strategic business advice. Xero simplifies your bookkeeping, making it easy for your accountant to handle the higher-level financial tasks.