AI accounting software, built for small business
Xero captures bills and receipts, sends invoices and reconciles transactions automatically, so your books stay current without manual work. It's accounting automation software, built AI-native from Day 1. You decide what runs on its own, and everything Xero does is recorded for your review.
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)
Bookkeeping automation that works for you
Hand the bookkeeping to Xero: it captures bills and receipts, sends invoices, and reconciles your bank transactions, so you get time back.
Win back 22+ hours a month
Automated bank reconciliation hands routine matching to Xero, freeing time for work that grows your business.
97% reconciliation accuracy
Xero matches and reconciles your bank transactions automatically, so there's far less to fix at month end.
AI-native from Day 1
Not added on later, but built in. Xero's AI runs across your books from the very start.
Accounting automation software for your books
Xero connects your accounting stack. It captures data from bills and receipts, reconciles transactions, and keeps your books current as you work. Grow without adding overhead, with each automated action visible and logged. You decide what to automate, and you can review anything Xero has done.
Automate your bank reconciliation
Xero reconciles your transactions at 97% accuracy, so there's less manual matching and more time for your business.
See every invoice at a glance
Create and send invoices from Xero, then track their status as you go, so you always know who has paid and who hasn't.
Get organized for federal tax
Xero keeps your records organized for federal and state tax, so you and your accountant always work from the same numbers.
Clear answers from real data
Get a live view of your cash flow, invoices, and bills, so you can spot gaps before they cost you. Ask plain-language questions and get straight answers from today's data, not last month's report. And because answers come from your live numbers, you can check where each figure came from.
Spot cash flow gaps early
Xero shows money coming in and going out across your accounts, so you see a shortfall coming with time to act.
.1761667985897.png)
Powerful AI you can trust, by design
Accountable Intelligence™ means Xero's AI shows you its reasoning at every step, and everything it automates can be reviewed and audited. It's grounded in 20 years of small-business data, protected by multiple layers of security, and recorded in a full audit trail you can check at any time.
- Backed by JAX Assure, which verifies every answer
- Protected by multiple layers of security, including SOC 2 Type II and ISO 27001
- Recorded in a full audit trail you can review at any time
- Reasoning shown for every automated action
- Trusted by over 2 million businesses worldwide
Accounting that’s AI-native – not bolted on
There's a difference between software that added AI later and software built with AI from the ground up. Xero is the second kind: our AI isn't a layer bolted onto legacy software, it's how Xero works. You decide what to automate, and Xero keeps a record of everything its AI does.
See what JAX can do
Questions about AI accounting software
AI accounting software uses artificial intelligence to automate routine bookkeeping, like bank reconciliation, and receipt capture to reveal clear insights about your finances.
Xero's accounting software with AI is built into the platform from day one, drawing on years of small business data for accuracy you can rely on. You stay in control: everything the AI automates is recorded, so you can review any action it has taken.
AI accounting software uses artificial intelligence to automate routine bookkeeping, like bank reconciliation, and receipt capture to reveal clear insights about your finances.
Xero's accounting software with AI is built into the platform from day one, drawing on years of small business data for accuracy you can rely on. You stay in control: everything the AI automates is recorded, so you can review any action it has taken.
Xero's native AI:
- reconciles your bank transactions
- captures and categorizes bills and receipts
- sends invoices
- gives you insights on your cash flow.
Each action is logged, so you can review what ran and why.
Xero’s accounting software with AI is called JAX, and it works inside your existing account rather than as a separate tool you have to learn.
Xero's native AI:
- reconciles your bank transactions
- captures and categorizes bills and receipts
- sends invoices
- gives you insights on your cash flow.
Each action is logged, so you can review what ran and why.
Xero’s accounting software with AI is called JAX, and it works inside your existing account rather than as a separate tool you have to learn.
Yes. With Accountable Intelligence™, Xero's AI shows its reasoning, and asks for your approval before acting – you decide what runs and what waits for your review.
JAX Assure verifies every output, and your data is protected by multiple layers of security, including SOC 2 Type II and ISO 27001 certification.
Yes. With Accountable Intelligence™, Xero's AI shows its reasoning, and asks for your approval before acting – you decide what runs and what waits for your review.
JAX Assure verifies every output, and your data is protected by multiple layers of security, including SOC 2 Type II and ISO 27001 certification.
Xero was built AI-native from the ground up, so its AI is embedded across the platform rather than added on top of older legacy software.
In practice, this means faster reconciliation, more connected workflows, and AI that works with tools you already use. You stay in control of what it does, and you can review anything it has done.
Xero was built AI-native from the ground up, so its AI is embedded across the platform rather than added on top of older legacy software.
In practice, this means faster reconciliation, more connected workflows, and AI that works with tools you already use. You stay in control of what it does, and you can review anything it has done.
No. AI in accounting takes over the repetitive work, like data entry and reconciliation, so you and your bookkeeper spend less time on admin and more on decisions.
Xero's AI bookkeeping software surfaces the numbers and flags issues, but you and your advisor stay in control of every call. The AI is there to support the people doing the work, not to replace them.
No. AI in accounting takes over the repetitive work, like data entry and reconciliation, so you and your bookkeeper spend less time on admin and more on decisions.
Xero's AI bookkeeping software surfaces the numbers and flags issues, but you and your advisor stay in control of every call. The AI is there to support the people doing the work, not to replace them.
AI guides for small businesses
Looking for AI help that’s easy to implement and free from jargon? Look no further than our AI in accounting guides:
10 ways to use AI in your small business
Learn 10 practical ways AI can help your small business grow smarter, quicker, and with greater efficiency.
Why AI is essential for small businesses
AI tools are readily available. Used properly, AI in business can help you become more successful.
Best AI tools for your business
Artificial intelligence can help you automate tasks and reduce errors. Here are the ones to try.
Xero’s AI product philosophy: our assurance about how we use AI
Xero uses AI to make products smarter, but we do it responsibly. We ensure your data is secure, private, and you stay in control.
Get one month free
Purchase any Xero plan, and we will give you the first month free.
*Fees apply for other payment methods.