Xero launched in 2006 in New Zealand and has grown to serve 3.5+ million subscribers worldwide. Known for its clean design and unlimited users, it is the leading cloud accounting platform outside the US.
Xero is cloud accounting software for small businesses. Beautiful interface with invoicing, bank reconciliation, and real-time financial data.
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Quick Answer
Xero is a finance tool. Xero launched in 2006 in New Zealand and has grown to serve 3. Paid plans start at $15/mo.
Overview
Xero Pricing
| Plan | Price | Key Details |
|---|---|---|
| Starter | $15/mo | 20 invoices, 5 bills, bank connections |
| Standard | $42/mo | Unlimited invoices and bills |
| Premium | $78/mo | Multi-currency, expense management |
Xero offers Starter ($15/month, limited transactions), Standard ($42/month, unlimited), and Premium ($78/month, multi-currency). All plans include unlimited users, unlike QuickBooks.
Key Features
Xero provides invoicing, bank reconciliation, expense claims, and financial reporting. Its bank feed automatically imports transactions. Multi-currency support serves international businesses. 1,000+ app integrations extend functionality.
- Invoicing
- Bank reconciliation
- Expense claims
- Reporting
- Multi-currency
- Payroll
- Projects
- 1,000+ integrations
Pros & Cons
Pros
- Beautiful interface
- Unlimited users all plans
- Strong internationally
- Great bank feeds
Cons
- US payroll limited
- Starter plan has limits
- Inventory is basic
Use Cases
Small businesses manage books with a modern interface. International companies use multi-currency features. Accountants serve clients through Xero HQ. Service businesses track projects and profitability.
Our Verdict
Xero is excellent for small businesses wanting clean, modern accounting. Its unlimited users policy is a major advantage. US businesses should compare with QuickBooks for payroll and accountant support.
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Frequently Asked Questions about Xero
Xero starts at $15/month for Starter (limited invoices). Standard is $42/month with unlimited invoices. Premium is $78/month with multi-currency.
Xero has a cleaner interface and includes unlimited users on all plans. QuickBooks has better US payroll and accountant ecosystem. Both are excellent for small businesses.
Xero offers payroll in select countries (US, UK, Australia, New Zealand). US payroll is through a Gusto integration. It is not included in base pricing.
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