--- title: "Xero Software Overview 2026 - Features & Pricing" description: "Review of Xero Software: system overview, features, price and cost information. Get free demos and compare to similar programs." source_url: "https://www.softwareadvice.com/scm/xero-profile/" page_type: "product" language: "en" publication_date: "2026-11-03" --- [Home](https://www.softwareadvice.com/) / [Accounting Software](https://www.softwareadvice.com/accounting/) / Xero Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee. Overview [Reviews](https://www.softwareadvice.com/accounting/xero-profile/reviews/)[Alternatives](https://www.softwareadvice.com/accounting/xero-profile/alternatives/) # Xero Review From $25-$90/month Free trial 3 plans Updated November 3, 2026 Written by [Eduardo Garcia](https://www.softwareadvice.com/resources/author/eduardo-garcia/) Content Analyst Edited by [Caroline Rousseau](https://www.softwareadvice.com/resources/author/caroline-rousseau/) Senior Editor Wondering if Xero is right for your organization? Our Accounting Software selection experts can help you in 15 minutes or less. On this page - Our Summary - User Interface - Popular Alternatives - Pricing and Plans - Features - Integrations - Key Sentiments - User Reviews - Frequently Asked Questions - Popular Comparisons ## Our Summary Xero 4.4 [(3337)](https://www.softwareadvice.com/accounting/xero-profile/reviews/) FrontRunner 2026 Pros: - Accounting for small businesses - Automation of repetitive tasks Cons: - Pricing structure - Customer support Pricing Starting at $25.00 flat rate per month ### What is Xero: Xero is a cloud-based accounting platform designed especially for small to medium-sized businesses. It allows businesses to connect to accounts from various banks, accept payments from clients, track spending, manage payroll and vendors, maintain inventory, and generate customized reports and insights. ### Why we like Xero: Xero is equipped with features for automating accounting processes and maintaining financial records. It has customizable invoicing solutions and includes payroll management. Xero also integrates with third-party apps, e-commerce platforms, and CRM systems. It offers security through multi-factor authentication and data encryption. ### Who should use Xero: Xero’s accounting design and features make it useful for self-employed professionals, trades, and retail businesses. Almost 70% of businesses that reviewed the product have between 2 and 200 employees. Xero offers a free trial version, but beyond the trial, a subscription must be purchased. The three versions are Starter, Standard, and Premium. Wondering if Xero is right for your organization? Our Accounting Software selection experts can help you in 15 minutes or less. ## Xero User Interface ## Popular Xero Alternatives Main Product Xero 4.4 [(3341)](https://www.softwareadvice.com/accounting/xero-profile/reviews/) Ratings Breakdown - 4.36Ease of use - 4.24Value for money - 4.04Customer support - 4.30Functionality Pricing Starting at $25.00 per month Get Price Alternative Product [QuickBooks Online](https://www.softwareadvice.com/product/393202-QuickBooks-Online/) 4.3 [(8555)](https://www.softwareadvice.com/product/393202-QuickBooks-Online/reviews/) Ratings Breakdown - 4.24Ease of use - 4.16Value for money - 4.00Customer support - 4.26Functionality Pricing Starting at $38.00 per month Get Price Alternative Product [QuickBooks Enterprise](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/) 4.5 [(20699)](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/reviews/) Ratings Breakdown - 4.31Ease of use - 4.30Value for money - 4.15Customer support - 4.40Functionality Pricing Starting at $2210.00 per year Get Price Alternative Product [NetSuite](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/) 4.2 [(2086)](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/reviews/) Ratings Breakdown - 3.97Ease of use - 3.86Value for money - 3.82Customer support - 4.22Functionality Pricing Available upon request Get Price Alternative Product [Sage Intacct](https://www.softwareadvice.com/accounting/intacct-accounting-profile/) 4.3 [(718)](https://www.softwareadvice.com/accounting/intacct-accounting-profile/reviews/) Ratings Breakdown - 4.20Ease of use - 4.00Value for money - 3.98Customer support - 4.22Functionality Pricing Available upon request Get Price Alternative Product [Sage 50 Accounting](https://www.softwareadvice.com/accounting/sage-50cloud-profile/) 4.0 [(631)](https://www.softwareadvice.com/accounting/sage-50cloud-profile/reviews/) Ratings Breakdown - 4.02Ease of use - 3.67Value for money - 3.80Customer support - 3.94Functionality Pricing Starting at $124.42 per month Get Price ## Xero Overview Xero is a cloud-based accounting platform designed to assist small and midsize businesses with financial operations management, financial visibility and business performance optimization and more. The platform helps automate accounting tasks and maintain accurate financial records. It offers expense management tools that enable users to track and manage business expenses. Key features include invoicing, quoting, making and collecting payments, tax payment, employee and workforce management, bank reconciliation, expense management, projects handling, reporting and analytics... and security measures. Users can capture receipts, categorize expenses and submit them for approval. Xero also supports expense claims, allowing employees to submit their expenses for reimbursement. It provides detailed expense reports, helping businesses monitor spending and identify cost-saving opportunities. One of the core features of Xero is its invoicing capability. The solution allows accountants and bookkeepers to create and send professional invoices to clients, track their status and receive payments online. Users can customize invoice templates to align with their brand identity and set up automated reminders for overdue payments. It supports multi-currency invoicing, making it suitable for businesses with international clients. Xero's bank reconciliation feature is designed to streamline the process of matching bank transactions with accounting records. The tool automatically imports bank transactions and suggests matches based on historical data. Users can also create custom bank rules to automate the categorization of recurring transactions. Xero also provides real-time updates on cash flow, helping businesses maintain accurate financial records. Xero includes payroll management functionalities that assist businesses in managing employee payroll and compliance. It allows users to process payroll, calculate taxes and generate payslips. It also supports direct deposit, enabling businesses to pay employees electronically. Additionally, Xero provides tools for managing employee leave and tracking work hours, ensuring accurate payroll processing and compliance with labor regulations. Xero complies with the Payment Card Industry Data Security Standard, and produces Service Organization Control (SOC 2) reports. It also offers a range of reporting and analytics tools that provide valuable insights into business performance. Users can generate custom financial reports, such as profit and loss statements, balance sheets and cash flow statements. Xero's dashboard provides a real-time overview of key financial metrics. The tool supports budgeting and forecasting, enabling businesses to plan for future growth and manage financial risks. Xero integrates with several third-party applications, including CRM systems, eCommerce platforms and payment gateways. Xero’s integrated practice management software includes Xero HQ, Xero Practice Manager, Xero Workpapers and Xero Tax. It connects businesses with their bank, their advisor, accounting tools, payment services and more. These integrations facilitate data synchronization and optimize overall operational. Data is protected by multiple layers of security, including encryption and the platform is subject to strict privacy controls as it uses multi-factor authentication. ## Xero Pricing and Plans Xero has three plans. Starter is $25.00/mo billed monthly. Standard is $55.00/mo billed monthly. Premium is $90.00/mo billed monthly. Free trial Starter $25.00 flat rate, per month An easy financial foundation - track cash flow with the essentials. Starter plan includes: - Send Quotes And 20 Invoices - Accept Online Invoice Payments - Enter 5 Bills - Make Online Bill Payments - Reconcile Bank Transactions (Auto-reconcile, Beta) - Capture Bills And Receipts With Hubdoc - View Real-Time Reports - W-9 + 1099 Management - Sales Tax - Forecast Cash Flow (30 Day Forecast) - Visualize Performance With Graphs (Basic) - Use Multiple Currencies - Claim Expenses - Inventory Plus (Optional, first month free) Standard $55.00 flat rate, per month Go beyond the basics - automate tasks and access performance dashboards. Standard plan includes: - Analyze KPIs And Ratios - Track Projects - Claim Expenses - Inventory Plus (Optional, first month free) - Tailored Financial Health Scorecards - Use Multiple Currencies - Send Quotes And Unlimited Invoices - Enter Unlimited Bills - Make Online Bill Payments - Reconcile Bank Transactions (Auto-reconcile, Beta) - Capture Bills And Receipts With Hubdoc - View Real-Time Reports - W-9 + 1099 Management - Sales Tax - Forecast Cash Flow (30 Day Forecast) - Visualize Performance With Graphs - Customize Performance Dashboards Premium $90.00 flat rate, per month Future proof your scaling business - with advanced tools and analytics. Premium plan includes: - Forecast Cash Flow (180 Day Forecast) Confused about pricing? We've got you covered. Get a personalized pricing breakdown tailored to your specific needs—no guesswork, no generic estimates. ### Our Analysis of Xero's Pricing Plans We've dug deep into Xero's accounting software subscription plans to help you determine which option aligns best with your business needs. We've also outlined the key advantages and considerations for each plan. Xero provides three core subscription options: Early, Growing, and Established. Each plan is tailored to accommodate businesses at different stages and with varying requirements, so understanding the nuances of each is essential for... choosing the right fit for your company. \_\_Early plan\_\_ Xero's Early plan, at $20 per month, is tailored for sole proprietors, freelancers, and businesses just starting out. This plan covers the fundamental accounting needs, providing a solid foundation for financial management. \*\*Pros:\*\* - \*\*Essential features:\*\* Includes core accounting functions to efficiently manage finances. - \*\*Scalable:\*\* Provides a starting point with room to upgrade as the business grows. \*\*Cons:\*\* - \*\*Basic functionality:\*\* Advanced features for complex accounting needs are not included. - \*\*Potential outgrowth:\*\* As the business expands, the plan's capabilities may become insufficient. \_\_Growing plan\_\_ The Growing plan, priced at $47 per month, is designed for small businesses experiencing growth. It offers expanded features and supports collaboration among team members. \*\*Pros:\*\* - \*\*Enhanced features:\*\* Includes additional accounting tools to support business development. - \*\*Collaborative:\*\* Allows multiple users to work together on financial management. \*\*Cons:\*\* - \*\*Potential underutilization:\*\* Some features may not be necessary for all growing businesses. - \*\*Limitations for larger businesses:\*\* May not offer sufficient capabilities for businesses with more complex needs. \_\_Established plan\_\_ At $80 per month, the Established plan caters to businesses with well-established operations and more intricate accounting requirements. It offers a comprehensive feature set to streamline financial processes. \*\*Pros:\*\* - \*\*Scalability:\*\* Supports businesses with larger teams and higher transaction volumes. - \*\*Time-saving:\*\* Automates and simplifies accounting tasks, improving efficiency. \*\*Cons:\*\* - \*\*Higher cost:\*\* The increased monthly expense may be challenging for some businesses to justify. - \*\*Learning curve:\*\* The extensive feature set may require additional training for effective utilization. \_\_Free trial\_\_ Xero offers a 30-day free trial, allowing potential users to explore the software's capabilities before committing to a paid plan. This trial provides an opportunity to assess which plan best aligns with the business's needs and budget. \_\_Conclusion\_\_ After analyzing Xero's pricing structure, it's evident that they offer a range of plans designed to cater to businesses at various stages of growth and with different accounting needs. - \*\*For sole traders and startups:\*\* The Early plan, at just $20 per month, provides an entry point into professional accounting software. While it covers the basics, rapidly growing businesses may soon find themselves needing more advanced features. - \*\*For small businesses on the rise:\*\* The Growing plan, at $47 per month, strikes a balance between affordability and functionality. It offers a broader range of features to support business expansion, making it a good choice for companies outgrowing the Early plan but not yet requiring the full suite of tools. - \*\*For mature and complex businesses:\*\* The Established plan, at $80 per month, is designed to meet the demands of larger, more intricate operations. Though it comes with a higher price tag, the comprehensive feature set can streamline even the most complicated accounting processes, potentially saving time and money in the long run. Ultimately, the choice of plan depends on a careful assessment of a business's current needs, growth trajectory, and budget. By aligning these factors with Xero's pricing tiers, companies can ensure they're getting the right tools at the right price to support their ongoing success. With a 30-day free trial available, businesses can explore Xero's offerings risk-free and make an informed decision about which plan best fits their unique circumstances. ### How does Xero pricing compare to alternatives? Xero's starting price is $25.00/month. Explore how its pricing and plan options compare with top alternatives below. | Product | Starting price | Free trial | Free version | Value for Money | | --- | --- | --- | --- | --- | | Xero4.4[(3,337)](https://www.softwareadvice.com/accounting/xero-profile/reviews/) | $25.00 /mo | Available | Not available | 4.2 | | [QuickBooks Online](https://www.softwareadvice.com/product/393202-QuickBooks-Online/)4.3[(8,555)](https://www.softwareadvice.com/product/393202-QuickBooks-Online/reviews/) | $38.00 /mo | Available | Not available | 4.2 | | [QuickBooks Enterprise](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/)4.5[(20,699)](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/reviews/) | $2,210.00 /yr | Available | Not available | 4.3 | | [NetSuite](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/)4.2[(2,086)](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/reviews/) | Pricing available upon request | Not available | Not available | 3.9 | | [Sage Intacct](https://www.softwareadvice.com/accounting/intacct-accounting-profile/)4.3[(718)](https://www.softwareadvice.com/accounting/intacct-accounting-profile/reviews/) | Pricing available upon request | Not available | Not available | 4.0 | Xero4.4[(3,337)](https://www.softwareadvice.com/accounting/xero-profile/reviews/) * * * Starting price $25.00 /mo Free trial Available Free version Not available Value For Money 4.2 - [QuickBooks Online](https://www.softwareadvice.com/product/393202-QuickBooks-Online/)4.3[(8,555)](https://www.softwareadvice.com/product/393202-QuickBooks-Online/reviews/) * * * Starting price $38.00 /mo Free trial Available Free version Not available Value For Money 4.2 - [QuickBooks Enterprise](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/)4.5[(20,699)](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/reviews/) * * * Starting price $2,210.00 /yr Free trial Available Free version Not available Value For Money 4.3 - [NetSuite](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/)4.2[(2,086)](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/reviews/) * * * Starting price Pricing available upon request Free trial Not available Free version Not available Value For Money 3.9 - [Sage Intacct](https://www.softwareadvice.com/accounting/intacct-accounting-profile/)4.3[(718)](https://www.softwareadvice.com/accounting/intacct-accounting-profile/reviews/) * * * Starting price Pricing available upon request Free trial Not available Free version Not available Value For Money 4.0 ## Xero Features Drawn from insights across 3337 verified reviews, we've outlined Xero's best and worst rated features and how they stack up against the average rating. Xero's score Category average Xero's Best Rated Features Multi-Country 4.84 4.50 category average Tax Compliance 4.79 3.90 category average Calendar Management 4.78 3.69 category average Xero's Worst Rated Features Benefits Management 3.33 4.0 category average Check Writing 3.50 4.18 category average Project Accounting 3.65 3.63 category average - Popular features found in Accounting Billing & Invoicing Budgeting/Forecasting Expense Tracking Fund Accounting Income & Balance Sheet Multi-Currency Payroll Management Project Accounting Purchase Order Management Tax Management - More features of Xero 401(k) Tracking Access Controls/Permissions Accounting Accounts Payable Accounts Receivable Accrual Accounting ACH Payment Processing Activity Dashboard Activity Tracking Ad hoc Reporting Alerts/Notifications API Approval Process Control Approval Workflow Asset Accounting Asset Tracking Audit Trail Automated Quoting Automatic Backup Automatic Billing Bank Reconciliation Benefits Management Billing Portal Bookkeeping Services Integration Calendar Management Case Management Cash Flow Management Cash Management Catalog Management Chart of Accounts Check Printing Check Processing Check Writing Client Management Client Portal Compliance Management Consolidation/Roll-Up Construction Breakdowns Contact Database Contact Management Contingency Billing Contract/License Management Cost Tracking CPA Firms Credit Card Processing Cross Ledger Posting Currency Conversion Customer Database Customer History Customer Statements Customizable Branding Customizable Invoices Customizable Reports Customizable Templates Dashboard Data Import/Export Data Security Data Synchronization Data Visualization Delivery Management Direct Deposit Discount Management Document Management Document Storage Document Templates Drag & Drop Due Date Tracking Dunning Management Duplicate Payment Alert Electronic Payments Email Management Encryption Estimating Expense Claims Expense Management Fee Calculation & Posting Financial Analysis Financial Management Financial Reporting Fixed Asset Management For Accountants For AEC Industry For CPA Firms Forecasting For Legal Professionals For Real Estate For Religious Organizations For Schools For Small Businesses Fraud Detection Fund Management General Ledger Hourly Billing Inventory Control Inventory Management Inventory Optimization Inventory Tracking Invoice Creation Invoice History Invoice Management Invoice Processing Job Costing K-1 Reporting Kitting Mobile Access Mobile App Mobile Payments Monitoring Multi-Channel Management Multi-Company Multi-Country Multi-State Online Banking Online Invoicing Online Payments Order Management Order Tracking Overpayment Processing Partial Payments Payment Collection Payment Processing Payroll Reporting Performance Metrics Price/Margin Management Pricing and Cost Calculations Pricing Management Product Identification Profit/Loss Statement Progress Tracking Project Billing Project Management Project Tracking Quotes/Estimates Real-Time Data Real-Time Reporting Receipt Management Receivables Ledger Recurring Invoicing Recurring/Subscription Billing Reimbursement Management Reminders Remote Access/Control Reorder Management Reporting/Analytics Reporting & Statistics Requisition Management Retail Inventory Management Revenue Recognition Sales Reports Sales Tax Management Search/Filter Self Service Portal Shipping Management Sourcing Management Spend Management Staff Management Status Tracking Supplier Management Task Management Tax Calculation Tax Compliance Template Management Third-Party Integrations Time & Expense Tracking Timer Time Tracking Transaction History Transaction Management Trust Accounting Vacation/Leave Tracking Vendor Management W-2 Preparation Wage Garnishment Warehouse Management "What If" Scenarios ## Xero Integrations Based on 3337 verified reviews, we've identified products most frequently integrated withXero. Hubdoc Integration rated 4.3 from 32 reviews Dext Integration rated 4.7 from 27 reviews GoCardless Integration rated 3.8 from 19 reviews Gusto Integration rated 4.6 from 18 reviews ApprovalMax Integration rated 4.8 from 12 reviews Square Payments Integration rated 4.6 from 11 reviews See all 217 integrations ## Xero Key Sentiments We analyzed 3337 verified reviews for Xero to find out what actual users really think. Most Positive Sentiments Ease of use 86% Positive 7% Neutral 7% Negative The interface is designed to be intuitive, helping teams navigate without needing extensive training. Many users say they were able to get started quickly, even without prior experience in accounting software. The layout is clean and organized, making it easy to locate key tools and features. This simplicity supports faster onboarding and smoother daily operations. Accounting 64% Positive 26% Neutral 10% Negative Managing core financial tasks becomes easier with Xero’s cloud-based setup, which allows real-time collaboration between accountants, bookkeepers, and business owners. Users say it supports small businesses with tools for payroll, inventory, tax management, and more. The ability to grant unlimited user access helps teams maintain oversight and streamline accounting workflows. Invoicing 55% Positive 32% Neutral 13% Negative Automated invoice tracking and payment reminders help reduce manual work and improve efficiency. Users appreciate the customizable templates that allow for branding and layout preferences. The platform also supports accounts payable, receivable, and inventory management, making it easier to keep financial records organized and up to date. Least Positive Sentiments Reporting 50% Positive 29% Neutral 21% Negative Financial reporting tools offer a range of templates that can be tailored to specific business needs. Users say these reports help monitor performance and guide decision-making. However, some note that the platform lacks depth for complex or industry-specific reporting, and limited customization options can make it harder to extract detailed insights. Customer support 43% Positive 13% Neutral 44% Negative Help resources, such as tutorials and FAQs, are useful for resolving common issues. Users mention that the invoice portal and online support channels are convenient for day-to-day troubleshooting. However, slow response times and the absence of live phone support often lead to frustration when urgent assistance is needed. Bank feeds 42% Positive 31% Neutral 27% Negative Automated bank feed integration helps simplify transaction tracking by connecting with multiple banks and payment platforms. Users value features like bank rules and external tool linking for broader financial oversight. That said, occasional connection failures and limited compatibility with certain banks can disrupt automation and require manual fixes. ## Xero User Reviews ## Xero customer ratings - Overall rating: 4.4/5 - Total reviews: 3,337 ### Rating distribution - 5 stars: 1,995 reviews (60%) - 4 stars: 937 reviews (28%) - 3 stars: 241 reviews (7%) - 2 stars: 70 reviews (2%) - 1 star: 94 reviews (3%) ### Secondary ratings - Ease of use: 4.4/5 - Value for money: 4.2/5 - Customer support: 4.0/5 - Functionality: 4.3/5 --- ### Fast, Accurate Bank Reconciliation That Streamlines Bookkeeping - Overall rating: 5/5 - Reviewer: Lynn M. - Industry: Accounting - Company size: 2-10 employees - Reviewed: November 2026 - Review source details: This review was submitted organically. No incentive was offered It delivers results quickly for my clients. It also helps them analyze their businesses, which in turn supports their growth and success. #### Ratings breakdown - Ease of use: 5/5 #### Pros It helps me streamline processes for each of my bookkeeping clients. I love the speed and accuracy of their auto bank reconciliation, and I also appreciate the support Xero provides when I’m stuck and need advice. #### Cons I haven't really had any problems thus far #### Vendor response Thanks so much for your review and for the shoutout for our Support team - we'll make sure they see this! Replied November 2026 --- ### Xero: Online Accounting OG of 2026 - Overall rating: 5/5 - Reviewer: Verified Reviewer - Industry: Financial Services - Company size: 51-200 employees - Product usage: 3-5 years · daily - Reviewed: November 2026 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros It was straightforward to implement, deploy and use Xero without involving third-party service providers. Currently, I like that the iOS mobile application makes it easy to streamline online accounting tasks on the go over the internet. #### Cons I have been using Xero since 2021 and I have never failed to accomplish my online accounting tasks due to an unfixed bug. --- ### Easy to use, but the API could be better - Overall rating: 4/5 - Reviewer: Verified Reviewer - Industry: Financial Services - Company size: 51-200 employees - Product usage: 3-5 years · weekly - Reviewed: November 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 4/5 - Functionality: 4/5 #### Pros Clean, intuitive interface that's easy to pick up, even for occasional users. Day-to-day tasks are quick and simple. #### Cons API rate limits and gaps in endpoint coverage can make integrations harder than they should be, requiring workarounds and retries. --- ### Beyond Frustrated - Overall rating: 1/5 - Reviewer: Verified Reviewer - Industry: Construction - Company size: 2-10 employees - Product usage: 1-3 years · weekly - Reviewed: October 2026 - Review source details: This review was submitted organically. No incentive was offered I would never recommend Xero to anyone. Hopefully my review saves a few unsuspecting people like me. First of all, there is no access to pick up the phone and talk to someone. Has to go through Xero central online. My credit cards quit connecting and automatically showing up on Xero. Their answer to me is to do all of the extra work and just manually do it myself. I have talked to so many people at this point, and they never have an answer. They blame it on their 3rd party, Yodlee. However, no one does anything to fix it. I am now approximately 7 weeks into this not working, and got a call from them today, and still no answer to the problem. Never any offer to reduce my fees, or at this time should give me the service for free until they can get over their incompetence and fix the issues. Anyway, save yourself and use a different accounting software. I certainly will after the end of this year. If it weren't so much hassle for year end taxes, I would have done it 5 weeks ago. #### Ratings breakdown - Ease of use: 2/5 - Value for money: 1/5 - Customer support: 1/5 - Functionality: 2/5 #### Pros My experience has soured me on everything. I thought it was a good value for a while, but you get what you pay for. #### Cons Being able to fix problems, customer service, not being able to pick up the phone and call, not being able to talk to a supervisor that can actually work on fixing the issues, bugs and issues --- ### Clean, modern cloud accounting - Overall rating: 5/5 - Reviewer: Impact 360 M. - Industry: Marketing and Advertising - Company size: 2-10 employees - Product usage: a free trial · weekly - Reviewed: October 2026 - Review source details: This review was submitted organically. No incentive was offered I tried Xero while comparing accounting options for a small business. It felt modern and efficient, especially for day-to-day reconciling and invoicing, and I would shortlist it for any small company moving to the cloud. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Functionality: 5/5 #### Pros Xero has a clean interface, strong bank reconciliation, and good invoicing. The bank feeds and the way transactions match up save real time, the dashboard shows cash position clearly, and it connects to a large range of add-on apps. #### Cons Payroll and some US-specific features depend on add-ons or tier, and there is a short learning curve if you are moving from desktop accounting software. --- ### Xero: Robust AP/AR and GL Automation GURU of this Era - Overall rating: 5/5 - Reviewer: Verified Reviewer - Industry: Hospital & Health Care - Company size: 11-50 employees - Product usage: 3-5 years · daily - Reviewed: October 2026 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros With Xero, I am able to automate complex repetitive accounting tasks such as AP/AR, GL, billing and invoice customization. #### Cons Even though Xero lacks robust financial management features, I am able to accomplish online accounting needs for my facility with it. --- ### Xero will not disappoint you! - Overall rating: 5/5 - Reviewer: Verified Reviewer - Industry: Construction - Company size: 2-10 employees - Product usage: 1-3 years · daily - Reviewed: October 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I had been bitterly disappointed with Quickbooks and then their customer service. Xero was very easy to onboard with and I had no issues for the year and a half I used them. I would recommend them to anyone looking for a great accounting software. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros The price was fantastic and I felt the quality was worth it. I was still reeling from Quickbooks failing on me so I was looking for something better. This was it. #### Cons I had no issues for the year and a half that I used Xero. In fact, it was a great software to use for my accounting. --- ### New to Xero, and like it - Overall rating: 4/5 - Reviewer: Verified Reviewer - Industry: Electrical/ Electronic Manufacturing - Company size: 2-10 employees - Product usage: less than 1 year · daily - Reviewed: October 2026 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I have only been using it for a few months but i find it easy to navigate easy to learn and its very reliable compaired to the older purchasing systems i have used. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Definately ease of use. all of the options are very obvious so navigating is very instinctual and hasnt been over complicated. #### Cons Can be tricky to log on as you frequently have to use a authenticator app clearence, but thats the security rather than the actual product. --- ### Please stop tinkering with things, the base functionality works fairly well! - Overall rating: 2/5 - Reviewer: Verified Reviewer - Industry: Food & Beverages - Company size: 2-10 employees - Product usage: 1-3 years · daily - Reviewed: October 2026 - Review source details: This review was submitted organically. No incentive was offered It's quickly become industry standard and default and the lack of viable competition and the extent to which it becomes embedded in the company means you're never really going to leave, so once you're onboard you feel like you just have to live with it and stop expecting it to get better. #### Ratings breakdown - Ease of use: 2/5 - Customer support: 2/5 - Functionality: 4/5 #### Pros While I use it in a fairly limited capacity, it's relatively easy to learn to use and there was no real barrier to entry or need for intensive training to get to learn how to use it. It's easy to create new contacts and new invoices #### Cons Unfortunately like all cloud based systems now, the change management is awful, you're constantly at the whim of the developers as to when you have new things added or taken away, and new features often seem pointless or unintuitive, often introducing many bugs or just making the overall expierience worse. I worry that real users never actually get to test these things, with it all being done by script, or even worse, AI. --- ### Switched our whole client book over, no regrets. - Overall rating: 5/5 - Reviewer: Verified Reviewer - Industry: Accounting - Company size: 2-10 employees - Product usage: 3-5 years · daily - Reviewed: October 2026 - Review source details: This review was submitted organically. No incentive was offered We ran our practice on desktop software for eleven years before finally moving over. My staff picked the new system up in just a week, that really matters when you’ve only got four people and tax season doesn't wait for anyone. The support team actually sounds like humans who’ve looked at a general ledger before. For any small accounting firm handling client books, I’d recommend it without much hedging. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Bank feeds reconcile clean, which is a lifesaver. I used to burn two evenings a month just chasing down coding errors on client files, now, it takes maybe an hour. It’s nice to get those evenings back. The dashboard tells me which clients haven’t paid before I even open my email. #### Cons Report customization takes longer than it should. When I'm building a management pack for a client with three revenue streams, I'm basically fighting the layout editor the whole time, it’s just a chore. It’s minor, though, once a template is saved, I can just reuse it. I did have a bank feed drop silently last March. --- Showing 1 - 10 of 3337 Reviews [See All Reviews](https://www.softwareadvice.com/accounting/xero-profile/reviews/) ## Xero FAQs - Is Xero difficult to use? Xero’s cloud-based software and mobile apps make it relatively easy to access and use. It offers templates and training resources that help non-accountants to learn its features. Most also find its user interface easy to use, with reviewers rating it 4.5 out of 5. - Do I need a bookkeeper if I use Xero? Yes, you may still need a bookkeeper or accountant to take advantage of financial benefits and services. Some examples of reasons for hiring an accountant might be leveraging possible tax breaks, ensuring compliance, interpreting data effectively for business decisions. - Does Xero do payroll? Yes, Xero manages and processes payroll, calculating taxes and producing payslips. There are also features for managing work hours and tracking employee leave or vacation. The payroll feature can also be configured to manage healthcare deductions and retirement plans. - Does Xero automatically pay employees? Yes, Xero allows electronic payments to employees via direct deposit. Additionally, it will subtract taxes and generate payslips. Its features ensure accurate payroll and proper compliance with local labor regulations. - Does Xero have journal entry? Yes, Xero is a double-entry accounting system that allows transactions to be recorded as journal entries. This allows the user to ensure that debits and credits balance each other. Journal entries can be single, compound, and recurring. First, users identify the transaction, classify it as debit or credit, record the details, and then post it to their ledger. ## Xero Popular Comparisons [QuickBooks Online vs Xero](https://www.softwareadvice.com/compare/2976-xero/vs/393202-QuickBooks-Online/)[QuickBooks Enterprise vs Xero](https://www.softwareadvice.com/construction/qb-desktop-enterprise-profile/vs/xero/)[NetSuite vs Xero](https://www.softwareadvice.com/accounting/netsuite-financials-accounting-software-profile/vs/xero/)[Sage Intacct vs Xero](https://www.softwareadvice.com/accounting/intacct-accounting-profile/vs/xero/)[Sage 50 Accounting vs Xero](https://www.softwareadvice.com/accounting/sage-50cloud-profile/vs/xero/)[QuickBooks Online Advanced vs Xero](https://www.softwareadvice.com/compare/2976-xero/vs/49805-QuickBooks-Online/)[Sage Accounting vs Xero](https://www.softwareadvice.com/accounting/sage-business-cloud-accounting-profile/vs/xero/)[FreshBooks vs Xero](https://www.softwareadvice.com/accounting/freshbooks-profile/vs/xero/)[Wave vs Xero](https://www.softwareadvice.com/compare/2976-xero/vs/18767-Wave-Apps/)[Odoo vs Xero](https://www.softwareadvice.com/crm/odoo-profile/vs/xero/)[TallyPrime vs Xero](https://www.softwareadvice.com/accounting/tally-profile/vs/xero/)[Sage 100 vs Xero](https://www.softwareadvice.com/distribution/sage-100cloud-profile/vs/xero/)[Zoho Books vs Xero](https://www.softwareadvice.com/accounting/xero-profile/vs/zoho-books/)[SAP Business One vs Xero](https://www.softwareadvice.com/accounting/sap-business-one-profile/vs/xero/)[SAP Concur vs Xero](https://www.softwareadvice.com/accounting/sap-concur-profile/vs/xero/)[Sage X3 vs Xero](https://www.softwareadvice.com/manufacturing/sage-x3-profile/vs/xero/)[Acumatica Cloud ERP vs Xero](https://www.softwareadvice.com/manufacturing/acumatica-manufacturing-profile/vs/xero/)[Multiview ERP vs Xero](https://www.softwareadvice.com/accounting/multiview-enterprise-profile/vs/xero/)[BQE CORE Suite vs Xero](https://www.softwareadvice.com/accounting/bqe-core-accounting-profile/vs/xero/) [Compare All Alternatives](https://www.softwareadvice.com/accounting/xero-profile/alternatives/) Stuck Between Options? 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