Free trial
One month free on any plan, shown as $0 USD for the first month, followed by the standard monthly subscription.
Learn moreXero
Small business accounting that connects your bank, books and apps
Beginner
What is Xero?
Xero is an accounting homework help tool. Cloud accounting for small businesses: invoicing, bills, bank reconciliation, cash flow forecasting and reporting in one login, with the included JAX AI assistant and Smart Document Capture. Three US plans scale from essentials to multi currency, projects and KPI analysis.
Xero is cloud accounting software aimed at small and mid sized businesses, their bookkeepers and their accountants. The homepage positions it around a single login: invoicing, bills, bank reconciliation, payments and reporting all share one workspace, so the numbers a business owner sees are the same numbers their accountant works from. Xero reports 5 million customers worldwide and tailors parts of the product to US businesses, with W-9 and 1099 management and sales tax handled inside the plans. The AI layer is branded JAX and is included rather than sold as an add-on. JAX answers business questions in plain language and translates financial data into simpler views. Elsewhere the automation is quieter: Smart Document Capture pulls bills and receipts into Xero, and auto reconciliation is available from the Growing plan upward. Xero claims small businesses save an average of five hours a week on bills management, and that operators get more than 20 hours back per month. Those figures come from Xero's own surveys, so treat them as vendor research rather than independent benchmarks. In practice the work splits across three plans. Early covers the essentials: 20 invoices, 5 bills, bank reconciliation, a 30 day cash flow forecast and free domestic ACH bill payments. Growing lifts the invoice and bill limits, adds automated bill entry, 60 day forecasting, customizable dashboards, health scorecards and budget suggestions. Established adds a 180 day forecast, KPI and ratio analysis, multiple currencies, project time and cost tracking, expense and mileage claims, and industry benchmarking. Each tier is discounted heavily for the first six months. The fit is clearest for businesses that want bookkeeping connected to a bank feed and an accountant who already works in Xero, and for trades, real estate and retail operators who need quotes through to reconciliation. Buyers who only need invoicing, or who want to avoid a per-plan ceiling on bills, will find the structure more than they need.
How do you use Xero?
1Compare the three US plans
Read the Early, Growing and Established breakdowns side by side. Check the invoice and bill limits, forecast horizon and which automation each tier includes before committing.2Start signup on the plan that matches your volume
Signup pages exist per tier, so choose Growing if you need automated bill entry and auto reconciliation, or Established for multi currency and project tracking.3Take the first month free
The homepage offers one month on any plan for $0 USD. Use that month to connect your bank feed and test reconciliation with real transactions.4Meet JAX and Smart Document Capture
Once signed in, ask JAX a business question to see how it presents your figures, and route receipts and bills through Smart Document Capture instead of typing them.5Review the full feature list against your workflow
Work through the all features page to confirm the tier you picked covers sales tax, 1099 management and the reporting you actually rely on.6Read the industry setup guidance
Construction, real estate and retail each have a tailored page covering quotes, expense tracking and admin reduction, which helps when configuring your chart of accounts.
Pros and cons
Pros
- One login ties invoicing, bills, payments and reporting together so owner and accountant see the same dataAI
- JAX assistant is included on every plan, with plain language answers and simplified financial viewsAI
- Smart Document Capture pulls receipts and bills in automatically, cutting manual data entryAI
- Free standard ACH bill payments on business plans, and the Established tier covers multiple currenciesAI
- Structured onboarding specialists are available during the first 90 daysAI
Cons
- The Early plan caps you at 20 invoices and 5 bills, which is tight for anyone trading regularlyAI
- Auto reconciliation, automated bill entry and performance dashboards are locked behind higher tiersAI
- Six month discounts obscure the real ongoing cost, which is $27, $59 or $97 per month depending on planAI
- No free plan is stated on the homepage; the entry point is a discounted first month followed by a subscriptionAI
- Time saving figures cited on the site come from Xero's own customer surveys, not independent testingAI
How much does Xero cost?
Pricing
Three US plans, each discounted for the first six months then billed monthly: Early at $2.70 for 6 months then $27, Growing at $5.90 then $59, and Established at $9.70 then $97. Free standard ACH bill payments are included on business plans, other payment methods carry fees. Cancel with one month's notice.
Learn moreSupport
24/7 online support is included on every plan, and new customers get access to onboarding specialists during their first 90 days.
Learn moreIntegrations
The homepage states that Xero connects to your bank, accountant and bookkeeper, and says invoicing, payroll, payments and other business apps work together in one place. A specific app directory is not listed in the source content.
Features
Core features include quotes and invoicing, online invoice payments, bill entry and tracking, bank reconciliation, Smart Document Capture, real-time reports, W-9 and 1099 management, sales tax, cash flow forecasting, dashboard customization, budget suggestions and health scorecards. Established adds KPI and ratio analysis, multiple currencies, project time and cost tracking, expense and mileage claims, and benchmarking.
Learn moreFrequently asked questions about Xero
How much does Xero cost?
Three US plans, each discounted for the first six months then billed monthly: Early at $2.70 for 6 months then $27, Growing at $5.90 then $59, and Established at $9.70 then $97. Free standard ACH bill payments are included on business plans, other payment methods carry fees. Cancel with one month's notice.Does Xero offer a free trial?
One month free on any plan, shown as $0 USD for the first month, followed by the standard monthly subscription.How do you use Xero?
The walkthrough on this page covers 6 steps: 1. Compare the three US plans 2. Start signup on the plan that matches your volume 3. Take the first month free 4. Meet JAX and Smart Document Capture 5. Review the full feature list against your workflow 6. Read the industry setup guidance.What platforms does Xero support?
Xero is available on Web App, iOS and Android.What does Xero integrate with?
The homepage states that Xero connects to your bank, accountant and bookkeeper, and says invoicing, payroll, payments and other business apps work together in one place. A specific app directory is not listed in the source content.What are the limitations of Xero?
The Early plan caps you at 20 invoices and 5 bills, which is tight for anyone trading regularly. Auto reconciliation, automated bill entry and performance dashboards are locked behind higher tiers. Six month discounts obscure the real ongoing cost, which is $27, $59 or $97 per month depending on plan.
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Added10/21/2026
Platforms
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Pricing
PaidSubscriptionFree Trial
