Accounting software that makes business easy to run

Spend less time on the books and more on your business. See your cash flow clearly and send invoices that get paid, all in one place and ready when you are.

I like Xero for its overall simplicity, especially compared to QuickBooks Online. I find the invoicing feature and Stripe integration in Xero very valuable. Setting up Xero was really quick and easy, and it's one of the easiest products to use.

Connery J

I love how Xero makes bookkeeping so much more streamlined and helps with invoicing and paying bills efficiently. As the business owner, it gives me a really good overview of how my business is doing.

Katherine

Bank feeds and reconciliations save a huge amount of time, and the real-time reporting makes it easy to keep an eye on cash flow and performance. I also like the flexibility of the integrations, it connects well with lots of other systems.

Verified user

3 ways to spend less time on the books

Automation takes care of your bank reconciliation and bills, so you get answers faster and focus on growing your business.

Save time with automated reconciliation
Customers report around 6 hours saved each week* with automated bank feeds and reconciliation matches.
Handle bills without the busywork
Small businesses save an average of 5 hours a week* on bills, with creation, payments, and reconciliation done for you.
Make smarter decisions with JAX
JAX turns your business data into clear answers, so you can spot trends and act on them quickly.

Reconcile your books automatically

Connect your bank and let transactions flow into Xero every day. JAX automatically reconciles matches where it's confident, so your records stay accurate and up to date. You keep the final say on every entry, with a reliable view of your finances always within reach.

reconcile bank transactions

Send invoices that get you paid

Create professional invoices and add a Pay Now button so customers can pay by card, ACH, or digital wallet. Automated reminders chase late payments for you. Xero customers who use online invoice payments get paid up to twice as fast.

See your cash flow as it happens

Xero updates your reports automatically, so the numbers are ready when you're short on time. Check your profit and loss, balance sheet, and cash flow whenever you need them. Share the same up-to-datenumbers with your accountant or bookkeeper, and make confident decisions together.

run financial reports

Connect the apps you already use

Link Xero to hundreds of apps in the Xero App Store. Need to pay suppliers? Handle it with online bill payments powered by Melio, with free standard ACH included on every US plan.

explore the Xero App Store

Pay your bills at no extra cost

Free standard ACH bill payments are now included in Xero business plans.*

Buy now

Get one month free

Early

$5.40 per month

for the first 3 months

Then $27 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

$11.80 per month

for the first 3 months

Then $59 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
Reconcile bank transactions
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
Budget with smart suggestions
Auto-reconcile transactions

Forecast with clarity

Established

$19.40 per month

for the first 3 months

Then $97 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
Reconcile bank transactions
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)
Budget with smart suggestions
Auto-reconcile transactions

Get 90% off for 6 months

Purchase any Xero and get started today.

FAQs on Xero's accounting software

: Small business accounting software helps you manage invoicing, expenses, bank reconciliation, and reporting in one place. Xero brings these tasks together so you can track your finances and stay organized. Learn more about what accounting software is.
Small business accounting software helps you manage invoicing, expenses, bank reconciliation, and reporting in one place. Xero brings these tasks together so you can track your finances and stay organized. Learn more about what accounting software is.
: Accounting software records your income and expenses, then turns that data into reports you can act on. Xero pulls transactions in through bank feeds, matches them automatically, and keeps your books current, ready for invoicing, reporting, and payroll.
Accounting software records your income and expenses, then turns that data into reports you can act on. Xero pulls transactions in through bank feeds, matches them automatically, and keeps your books current, ready for invoicing, reporting, and payroll.
: Yes. You can connect your bank to Xero and set up automatic feeds, so transactions flow in daily and your records stay up to date.
Yes. You can connect your bank to Xero and set up automatic feeds, so transactions flow in daily and your records stay up to date.
: Absolutely. Invite your accountant or bookkeeper to work in Xero alongside you — you'll share the same up-to-date numbers, which makes collaboration faster.
Absolutely. Invite your accountant or bookkeeper to work in Xero alongside you — you'll share the same up-to-date numbers, which makes collaboration faster.
: Definitely. Xero offers a range of plans built for different needs and budgets, so small businesses can choose the features that fit and add more as they grow.
Definitely. Xero offers a range of plans built for different needs and budgets, so small businesses can choose the features that fit and add more as they grow.
: Certainly. Xero helps you track sales tax and stay ready at filing time, and it makes managing contractor details for W-9 and 1099 reporting straightforward. See tax information for businesses from the IRS.
Certainly. Xero helps you track sales tax and stay ready at filing time, and it makes managing contractor details for W-9 and 1099 reporting straightforward. See tax information for businesses from the IRS.