Xero

Xero is accounting software built for small businesses to manage key finance tasks in one place. It streamlines billing with tools to send invoices, accept online payments, and create and send digital purchase orders. You can also manage bills centrally, claim and organize expenses with receipt capture, and keep records accurate with bank reconciliation.

A standout feature is JAX, Xero’s AI finance partner. JAX helps automate routine work and delivers financial clarity, aiming to keep your books current and make it easier to decide what to do next. The platform also provides real-time insights into cash flow and performance, with reporting and forecasting options that help you stay on top of finances.

Xero is designed for different types of US businesses and for service professionals like accountants and bookkeepers. It offers multiple plans with capabilities that grow from essentials like online bill payments and reconciliation to more advanced analytics, budgeting support, and project tracking.

Pricing is available by plan with an introductory discount for the first 6 months, followed by a monthly rate. It includes one month free for any plan, plus 24/7 online support and the ability to cancel with one month’s notice. Xero also notes that free standard ACH bill payments are included in business plans, with fees applying for other payment methods.

What does Xero help me do day to day?

Xero helps you send invoices, accept online payments, manage bills, submit expenses with receipt capture, and reconcile bank transactions to keep your books accurate.

How does JAX work in Xero?

JAX is Xero’s AI finance partner that automates routine work and provides financial clarity, with instant answers to business questions and tools to explore finances without getting lost.

Does Xero include bank reconciliation?

Yes—Xero includes bank reconciliation to help you save time and keep your accounting records accurate.

Can I pay bills online through Xero?

Yes. Free standard ACH bill payments are included in Xero business plans, and other payment methods may have fees.

What plans are available and what pricing should I expect?

Xero lists three monthly plans (Early, Growing, Established) with a first-6-month discounted rate and a higher monthly rate after that. It also offers one month free on any plan.

Can I connect Xero to other business apps?

Yes. Xero supports integrations with 1,000+ apps, and you can find, try, and buy connected business apps after you sign up.