The all-in-one to get your business done.
One place for accounting, payments, payroll and analytics. Easy to use, easy to love.
Used by 4.9 million customers worldwide.
Built for the way US businesses work.
AI you'll love. Accountability you'll trust.
Meet JAX, Xero's AI superagent. It automates tasks, spots real-time insights and does the boring bits brilliantly.
- Get instant answers about your cash flow, profit trends and financial health.
- Create invoices and quotes just by asking, in Xero, WhatsApp, SMS or email.
- Get personalized insights and advice based on your business and market trends.
More time for what you love.
All your finances in one place. Connected, organized and easy from day one. See what Xero can do.
One login. Everything connected.
90% agree Xero helps keep business finances in one place, with invoicing, payroll and payments all working together.³
See your cash flow, flow.
Real-time insights help you stay on top of cash flow, get paid faster and make confident decisions.
Turn to-dos into ta-das.
Get 20+ hours back every month. Small businesses say they save an average of 5 hours a week on bills with Xero.²
Good things start here.
Get free access to our team of onboarding specialists during your first 90 days.
Products for productivity.
Discover the latest updates and smarter tools designed to help businesses save time.
Turn receipts into relief.
Smart Document capture pulls bills and receipts straight into Xero, so your records stay lovely and organized.
Get paid to share the love.
For publishers, influencers, content creators and other affiliates who recommend Xero to their audiences in exchange for a referral fee.
One month free
Any planWarning: you might get attached.
Any plan
$0
USD for one month
- 24/7 online support
- Cancel with one month's notice
- Safe and secure
However you work, Xero works.
No two businesses work the same way. See how Xero can help businesses in your industry. See all business types.
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)
Less admin by all accountants.
With AI tools designed to save you time, accountants and bookkeepers can spend more time helping clients thrive.
Explore the partner program
² Source - Small businesses say they save an average of 5 hours weekly on bills management with Xero - bills creation, payments, and reconciliation handled automatically. Survey conducted by Xero of 485 small businesses globally using Xero, October 2025.
³ Source - Survey conducted by Xero of 2,634 small businesses across the UK, AU, and US, May–June 2024.
*Fees apply for other payment methods.
Back to plans