Xerovs
QuickBooks
QuickBooks: Smart, simple online accounting software for small business
Xero
Beautiful accounting software
As of 30 August 2026, Xero starts at $13/month. Xero online accounting software for your business connects you to your bank, accountant, bookkeeper, and other business apps. Softwr lists it under Accounting. Xero is made by Xero Limited, launched in 2006, available on Web, iOS, Android, API.
Overview
What Xero does
Xero online accounting software for your business connects you to your bank, accountant, bookkeeper, and other business apps. Start a free trial today.
What people use it for
- Small business bookkeeping, invoicing and bank reconciliation
- Bill payment and purchase order management
- Sharing books with an accountant or bookkeeper
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Xero.
- The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
- Invoices created by connected app partners count against the Early plan invoice limit
- Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
- Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
- Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
- Inventory Plus is a paid optional add-on rather than part of any plan
- The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
- The introductory discount excludes add-ons, usage charges and payment fees
- Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
- Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
- Xero states subscription prices are increasing from October 1, 2026
Cross-shopped
What people choose instead of Xero
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- XerovsRamp
Ramp: The corporate card that helps you spend less
- XerovsAirbase
Airbase: The first all-in-one spend management platform
- XerovsMelio
Melio: Simple business payments
Pricing
What Xero costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Early
$13 /mo
- Send 20 invoices
- Enter 5 bills
- Reconcile bank transactions
- Capture receipts
- 1 user
Growing
$37 /mo
- Unlimited invoices & bills
- Bulk reconcile transactions
- Short-term cash flow
- 2 users
- Multi-currency
Established
$70 /mo
- Everything in Growing
- Use multiple currencies
- Track projects
- Claim expenses
- Unlimited users
Capabilities
Features
Bank reconciliation
Invoicing
Bill payment
Expense claims
Financial reporting
Inventory tracking
Project tracking
Mobile apps
Stripe
Integration with Stripe
PayPal
Integration with PayPal
Square
Integration with Square
Shopify
Integration with Shopify
Behind it
Who makes Xero
- Company
- Xero Limited
- Based in
- Wellington, New Zealand
Keep looking
Where to go from Xero
- Xero alternativesEvery product people weigh against it
- Xero pricingPlans, floors and what the tiers exclude
- Xero badgesWhich rules it meets, and the figure behind each
- All Accounting softwareThe full category
- Best Accounting softwareThe shortlist, and how it was cut
Best Accounting software for
Compare Xero with
- Zoho Books
- QuickBooks
- Melio
- Ramp
- Airbase
- Adyen
- Wise Business
- Bill.com
- Invoice2go
- Invoicely
- Invoicera
- Lago
- Dinero
- Divvy
- Dodo Payments
- Empower
- Fakturoid
- Fiken
Other Accounting software
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Free, then $9.99/mo9 researched notesOnline invoicing and billing platform for multi-entity businesses
From $50/mo9 researched notesDanish accounting software for small businesses and self-employed
Free, then 245/mo9 researched notesUnified billing, payments, and distribution for AI and SaaS companies
From $4/cent + $0.4010 researched notesCzech online invoicing software for entrepreneurs and small businesses
Free, then 151/mo9 researched notesNorwegian accounting software for sole proprietors and small companies
From 219/mo12 researched notes
Softwr does not host reviews and shows no star rating for Xero, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Xero
Xero alternatives
What people switch to, and what they give up
Xero pricing
Every tier, and where the cost actually lands
Compare Xero
Put it head to head with anything we hold
Xero badge
Its rating, and an embed for your own site
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