Xero
Our verdict
Who it's for
Small and mid-size businesses that want clean cloud accounting with strong bank reconciliation.
Who should look elsewhere
Businesses needing deep US payroll out of the box.
Pros
- +Clean cloud accounting with bank reconciliation
- +Unlimited users on all plans
- +SOC 2; large app marketplace
Cons
- −No free tier
- −Lower-tier plans cap transactions
- −US payroll is limited vs competitors
Key features
- ✓Cloud accounting
- ✓Bank reconciliation
- ✓Invoicing
- ✓Expense claims
- ✓Payroll
- ✓Multi-currency support
Pricing
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Early | $25 | month | — |
| Growing | $55 | month | — |
| Established | $90 | month | — |
Capabilities
- Sso Saml
- —
- Rbac
- —
- Mobile App
- —
- Webhooks
- —
- Data Export
- —
- Invoicing
- Yes
- Expense Tracking
- Yes
- Bank Reconciliation
- Yes
- Multi Currency
- Yes
- Payroll
- Yes