Small business accounting software makes business work
Manual bookkeeping eats time – Xero's accounting software for small business gives it back! Xero automates data entry, invoicing, and reporting, so you can do business. 91% of customers agree Xero is easy to use.
Why US small businesses choose Xero accounting software
Xero brings automation, time savings, and control to your finances – intuitive enough for anyone, comprehensive enough to grow with you.
Automate your bookkeeping and bank feeds
4 in 5 Xero customers save 6 hours a month by eliminating manual data entry. Smart bank feeds keep your books current.
Invoice clients and get paid fast
Get paid up to twice as fast! Automated reminders and multiple payment options reduce your chasing time.
Track your numbers with financial reporting
88% of customers agree Xero improves financial visibility. Track your P&L, cash flow, and performance from any device.
Cut hours off your bookkeeping
Xero connects to your US bank and imports transactions automatically. Upload PDF bank statements in under 35 seconds. JAX – Xero's AI assistant – automatically categorizes and matches transactions it’s sure of (beta). Smart categorization rules reduce manual work each reconciliation.
- As categorization rules build over time, Xero's transaction matches get more accurate – so your bank rec gets faster each time.
- As you set categorization rules, Xero learns from them — so your bank rec gets faster and more accurate each time.
- 4 in 5 Xero customers save 6 hours monthly by eliminating manual data entry. (Xero survey, 373 SBs globally, Oct 2025)
- Upload PDF bank statements in under 35 seconds — no manual data entry required.
Send invoices and collect payments faster
Create professional, customized invoices and give clients more ways to pay – ACH debit, bank transfers, and Buy Now Pay Later (BNPL). Automated reminders and recurring invoices help you get paid fast and cut admin. Set up Xero to chase unpaid invoices for you with automated reminders.
- Customize quotes to match your brand, then convert to invoices in one click – reducing back-and-forth and getting you to payment sooner.
- Get paid up to twice as fast with online invoice payments. (Xero SB Storybook V2 – Approved Claims)
Simplify US tax compliance for your business
Xero automatically calculates accurate sales tax across 13,000 US tax jurisdictions via Avalara for sales tax rates on invoicing. Track 1099 contractor income for information reporting. Your profit and loss, balance sheet, and cash flow reports help you track your business’s finances.
- Xero keeps your financial records organized throughout the year – no more scrambling at tax time!
- 7 in 10 small businesses say they are more confident in their books with Xero. (Xero survey, 446 SBs, Oct 2025)
Unlimited users at no extra cost
All Xero plans include unlimited general users at no extra cost – your accountant, bookkeeper, and team can collaborate in Xero without adding to your bill. Control access to information with role-based permissions.
- The Xero Advisor Directory connects you with certified accountants and bookkeepers near you. It’s searchable by location and expertise.
- A 26% average productivity boost for Xero businesses connecting apps. (Xero survey, 266 SB, Oct 2025)
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
Early
for the first 6 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 6 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 6 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)
Connect all your business tools to Xero
Xero connects to more than 1000 apps – 10 times more than FreshBooks and 4 times more than Sage. Use Gusto for payroll, Stripe for payments, and Shopify for ecommerce. Hubdoc – included in all plans – automates document capture. Or build custom integrations if you need to!
- Hubdoc is included in every Xero plan – automatically extracting information from bills and receipts, then creating transactions in Xero.
- A 26% average productivity boost for Xero businesses syncing with app integrations. (Xero survey, Oct 2025)
Your business finances, wherever you are
The Xero Accounting app puts your business finances on your phone. Send invoices, capture receipts, reconcile, and check reports from anywhere. It’s based in the cloud, so your data stays up to date across your devices, with security features like multi-factor authentication and encryption.
- Cloud accounting means your records update when a transaction comes in – whether you're at your desk, with a client, or on the road.
- 91% of customers agree Xero is easy to use. (Xero survey of 2,634 SBs in UK, AU, and US, May-June 2024)
FAQs on small business accounting software: answers for US business owners
Small business accounting software automates the financial tasks that take time away from running your business – bank reconciliation, invoicing, expense tracking, and tax preparation. You need it when you’re spending hours on manual data entry, struggling to track cash flow, or losing deductions because receipts aren't organized. Xero automates these tasks in one cloud-based platform, accessible from any device.
Small business accounting software automates the financial tasks that take time away from running your business – bank reconciliation, invoicing, expense tracking, and tax preparation. You need it when you’re spending hours on manual data entry, struggling to track cash flow, or losing deductions because receipts aren't organized. Xero automates these tasks in one cloud-based platform, accessible from any device.
Look for:
- automated bank feeds and reconciliation
- professional invoicing with online payments
- expense tracking
- real-time financial reporting
- integrations with the tools you already use
Pricing transparency and ease of use matter too – especially if you don't have an accountant. Ease of use matters too — 91% of customers agree Xero is easy to use. Xero includes unlimited general users at no extra cost, and you can customize and extend it with more than 1,000 connected apps.
Look for:
- automated bank feeds and reconciliation
- professional invoicing with online payments
- expense tracking
- real-time financial reporting
- integrations with the tools you already use
Pricing transparency and ease of use matter too – especially if you don't have an accountant. Ease of use matters too — 91% of customers agree Xero is easy to use. Xero includes unlimited general users at no extra cost, and you can customize and extend it with more than 1,000 connected apps.
Xero has three business plans — Early, Growing, and Established — and you can start with a 30-day free trial. Xero’s Growing plan is for small businesses starting to send lots of invoices and lets you send more than 20 invoices a month and manage more than 5 bills a month.
All Xero plans include unlimited general users at no extra cost – unlike competitors that charge per seat. You can try Xero free for 30 days.
Xero has three business plans — Early, Growing, and Established — and you can start with a 30-day free trial. Xero’s Growing plan is for small businesses starting to send lots of invoices and lets you send more than 20 invoices a month and manage more than 5 bills a month.
All Xero plans include unlimited general users at no extra cost – unlike competitors that charge per seat. You can try Xero free for 30 days.
There are several key differences. You can access cloud accounting software online across your devices, and your business information is stored in the cloud so it’s always backed up and protected by robust security practices.
Cloud accounting software stores data in the cloud, so it’s always backed up and can be accessed securely with user roles and permissions.
For most small businesses, Xero cloud accounting is the better choice – it supports real-time collaboration with your accountant, gives you access from anywhere, and eliminates the risk of losing data if your computer fails.
There are several key differences. You can access cloud accounting software online across your devices, and your business information is stored in the cloud so it’s always backed up and protected by robust security practices.
Cloud accounting software stores data in the cloud, so it’s always backed up and can be accessed securely with user roles and permissions.
For most small businesses, Xero cloud accounting is the better choice – it supports real-time collaboration with your accountant, gives you access from anywhere, and eliminates the risk of losing data if your computer fails.
Yes. Xero makes it straightforward to import data from spreadsheets and migrate from other platforms. Xero's personalized 1:1 set-up assistance and 24/7 support make the transition straightforward, and switching mid-year is possible with proper planning.
Compare features and pricing on the Xero vs QuickBooks page.
Yes. Xero makes it straightforward to import data from spreadsheets and migrate from other platforms. Xero's personalized 1:1 set-up assistance and 24/7 support make the transition straightforward, and switching mid-year is possible with proper planning.
Compare features and pricing on the Xero vs QuickBooks page.
It depends. Accounting software handles day-to-day bookkeeping, but an accountant provides strategic value – tax planning, compliance guidance, and business advice that software can't replicate. Xero includes unlimited general users at no extra cost, so your accountant or bookkeeper can access your books in real time without adding to your subscription.
Find a certified professional near you in the Xero Advisor Directory
It depends. Accounting software handles day-to-day bookkeeping, but an accountant provides strategic value – tax planning, compliance guidance, and business advice that software can't replicate. Xero includes unlimited general users at no extra cost, so your accountant or bookkeeper can access your books in real time without adding to your subscription.
Find a certified professional near you in the Xero Advisor Directory
Xero helps keep your financial records organized for tax time and gives you access to financial reports like Profit and Loss and Balance Sheet, so you can work with your advisor using clear, up-to-date data. Your organized records help you identify deductions, and mean fewer surprises at tax time.
And for US-specific compliance, Xero calculates sales tax across 13,000 jurisdictions via Avalara, and supports 1099 contractor reporting.
Xero helps keep your financial records organized for tax time and gives you access to financial reports like Profit and Loss and Balance Sheet, so you can work with your advisor using clear, up-to-date data. Your organized records help you identify deductions, and mean fewer surprises at tax time.
And for US-specific compliance, Xero calculates sales tax across 13,000 jurisdictions via Avalara, and supports 1099 contractor reporting.
Essential features for US small businesses include:
- automated bank feeds and reconciliation
- customized invoicing with online payments
- expense tracking with receipt capture
- real-time financial reporting
- sales tax management, multi-user access
- mobile access
Nice-to-haves include inventory management, project tracking, and multi-currency support.
Xero covers the essentials across all its price plans. And if you’re on the Established plan, you get the advanced features too.
Essential features for US small businesses include:
- automated bank feeds and reconciliation
- customized invoicing with online payments
- expense tracking with receipt capture
- real-time financial reporting
- sales tax management, multi-user access
- mobile access
Nice-to-haves include inventory management, project tracking, and multi-currency support.
Xero covers the essentials across all its price plans. And if you’re on the Established plan, you get the advanced features too.
Half of small businesses say they got set up with Xero and felt ready to go in less than four hours, thanks to personalized setup and expert support. Full data conversion through Xero’s migration service takes around five working days to convert and review each client.
Xero can help you get going faster – it has personalized 1:1 setup assistance. And 91% of customers agree Xero is easy to use.
Half of small businesses say they got set up with Xero and felt ready to go in less than four hours, thanks to personalized setup and expert support. Full data conversion through Xero’s migration service takes around five working days to convert and review each client.
Xero can help you get going faster – it has personalized 1:1 setup assistance. And 91% of customers agree Xero is easy to use.
Xero's app ecosystem includes more than 1,000 connected apps, so you can connect tools for payroll, payments, point of sale, inventory, expenses, and CRM.
This range of apps is 10 times more than the FreshBooks ecosystem and 4 times more than Sage's . Hubdoc, included in all Xero plans, adds automatic document capture for bills and receipts.
Xero's app ecosystem includes more than 1,000 connected apps, so you can connect tools for payroll, payments, point of sale, inventory, expenses, and CRM.
This range of apps is 10 times more than the FreshBooks ecosystem and 4 times more than Sage's . Hubdoc, included in all Xero plans, adds automatic document capture for bills and receipts.
Xero for your type of small business
Whatever industry you're in, Xero adapts with the features and integrations that suit how you work. Explore your specific vertical below.
Freelancers and sole proprietors
Simple invoicing and 1099 contractor reporting for small businesses.
Hospitality businesses
Connect point of sale and other industry apps to Xero to manage more of your business in one place.
Legal and professional services
Track time, manage jobs, invoice for work, and analyze your practice’s performance.
Get one month free
Purchase any Xero plan, and we will give you the first month free.
Explore 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.