Cloud accounting platform popular with small businesses and their advisors. Known for unlimited users on all plans, strong bank reconciliation, and a large integration ecosystem with 1,000+ connected apps.
Our take
Xero's killer advantage is unlimited users on every plan — a rarity in accounting software that makes it immediately attractive for growing teams. The bank reconciliation experience is slick, and the 1,000+ app marketplace means it connects to almost everything. The 2025 acquisition of Melio brought native bill payment capabilities, and AI-assisted coding suggestions speed up reconciliation. The catch is the Early plan — capped at 20 invoices and 5 bills per month, it's almost unusable for real businesses, pushing most users to the $55 Growing plan. Multi-currency requires the top-tier $90 plan, which stings for international businesses. Xero is strongest in the UK, Australia, and New Zealand markets where accountant adoption is highest. Best for small businesses that need unlimited seats and strong bank feeds, especially outside the US.
Pricing
Early
$25/mo- • 20 invoices/month
- • 5 bills/month
- • Bank reconciliation
- • Short-term cash flow
- • Unlimited users
Growing
$55/mo- • Unlimited invoices
- • Unlimited bills
- • Bulk reconciliation
- • Project tracking
- • Unlimited users
Established
$90/mo- • Multi-currency
- • Expense management
- • Project costing
- • Advanced analytics
- • Unlimited users
Pricing verified 2026-03-19
Ratings
Overall score: 83/100 (composite of the above ratings)
Features
core
advanced
integrations
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Founded: 2006
HQ: Wellington, New Zealand
Company size: 1,000+
Last updated: 2026-03-19