Xero
Cloud accounting with bank feeds, invoicing and bills, plus JAX, an AI finance agent that automates routine work.
Best for Small businesses wanting unlimited users at a flat price
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What it does
Cloud accounting with bank feeds, invoicing and bills, plus JAX, an AI finance agent that automates routine work.
Read more: 6 features and how people use themShow less
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JAX AI agent
Answers business questions and manages routine administrative chores by translating financial data into plain insights.
Use caseA business owner asks questions about company finances and delegates routine tasks to an AI assistant.
From xero.com/us -
Smart Document Capture
Imports physical and digital bills and receipts directly into the platform to organize records online.
Use caseA business owner uploads paper receipts and vendor invoices to keep records organized without manual entry.
From xero.com/us -
Online bill payments
Processes vendor payments directly from bank accounts or cards, including free standard ACH transfers for domestic transactions.
Use caseA small business pays domestic vendor invoices online via standard ACH at no added charge.
From xero.com/us -
Bank reconciliation
Compares imported bank statements against recorded transaction data to keep both balances aligned.
Use caseA bookkeeper matches imported bank feed items with internal company records to keep accounts accurate.
From xero.com/us/pricing-plans/early -
Invoices and quotes
Creates and distributes estimates and digital invoices that let clients submit payments online.
Use caseA contractor sends a digital quote to a client and collects an online invoice payment upon project sign off.
From xero.com/us/pricing-plans/growing -
W 9 and 1099 management
Collects vendor W 9 forms securely and generates 1099 tax summaries for tax filing.
Use caseA business owner gathers tax forms from independent contractors to generate year end 1099 reports.
From xero.com/us/pricing-plans/early · image from Xero
Written from Xero's own website, checked . Each feature links to the page it comes from; images are Xero's own.
Every plan
| Plan | Monthly | Billed yearly | Per | What it includes |
|---|---|---|---|---|
| Early | $27 | Not listed | per organization | 20 invoices/quotes and 5 bills per month; auto reconcile is +$5/mo add on |
| Growing | $59 | Not listed | per organization | Unlimited invoices and bills |
| Established | $97 | Not listed | per organization | Unlimited invoices/bills plus multi currency, projects, expenses, analytics |
From Xero's own pricing page, checked . Prices are in US dollars per month; "billed yearly" is the monthly price when you pay for a year up front. A few figures (often the yearly price) are derived rather than printed on the page.
Before you pay
- Refunds
- For payments via Stripe, the original payment processing fee and applicable currency conversion fees are not refundable, though partial or full refunds can be issued.
What Xero says
You can issue either partial or full refunds via Stripe. The payment processing fee from the original charge and any applicable currency conversion fees are not refundable.
Source page - How to cancel
- Subscribers can cancel their subscription with one month's notice.
- Renews automatically
- Yes
- Support
- Help center (Xero Central), raise an online support ticket/case (24/7 online support), 1:1 onboarding coaching calls
What Xero says
Simply click the “Contact Xero support” link at the bottom of any help article to raise a case, and one of our customer support team members will get back to you.
Source page
Only what Xero's own pages state, with the quote behind each answer. Anything they don't publish is left out rather than guessed.
Getting started with Xero
- Log into your Xero account and follow the prompts from within Xero to open the Xero Coaches experience.
- Answer a few quick questions about what you need assistance with, such as getting started, cleaning things up, or focusing on cash flow.
- Pick from available time slots that fit your schedule to choose a time that works.
- Join your scheduled session to meet your Xero Coach, walk through your questions, and leave with practical actions.
Tips
- New customers within their first 90 days of a Xero subscription can access free onboarding sessions with a Xero Coach to help set up Xero the right way.
- Click the “Contact Xero support” link at the bottom of any help article on Xero Central to raise a case if you cannot find the answer you need.
- Note that invoice limits on the Early plan apply to both approving and sending invoices.
Written from Xero's own help pages: xero.com/us/about/coaches-onboarding/
Xero video tutorials
Independent creators on YouTube, not Xero or us. The video loads from YouTube only when you press play.
Questions people ask about Xero
How much does Xero cost?
Paid plans start at $27 a month (Early). 3 plans are listed above, from Xero's own pricing page.
Is Xero free?
No. Xero has no free plan.
Can I get a refund from Xero?
For payments via Stripe, the original payment processing fee and applicable currency conversion fees are not refundable, though partial or full refunds can be issued. Source
How do I cancel Xero?
Subscribers can cancel their subscription with one month's notice. Source
Does Xero have an API?
Yes.
Can I pay the subscription annually?
No, payment is taken on a monthly schedule. You will receive an invoice at the end of your monthly billing period, and payment will be taken on the date shown on your invoice. Source
Will my data be safe and private?
Xero provides multiple layers of protection for personal and financial information. Source
How can a Xero coach help me?
A Xero Coach helps connect bank feeds, configure invoices and bills, and use the analytics dashboard. Source
Where this came from
Plans, prices and limits were copied from Xero's own pages, then checked .
- xero.com/us/pricing-plans/
- xero.com/us/
- xero.com/us/legal/privacy/
- xero.com/us/about/coaches-onboarding/
- xero.com/us/pricing-plans/early/
- xero.com/us/pricing-plans/growing/
- xero.com/us/pricing-plans/established/
- xero.com/us/pricing-plans/pricing-and-fees-for-stripe/
- xero.com/us/pricing-plans/pricing-and-fees-for-online-bill-payments/
How we collect prices and rank tools · Is something wrong? Correct this listing
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