Xero (Free Trial)

Xero is cloud accounting software for small businesses and their advisors. Its current US pages cover quotes and invoices, online payments, bills, bank reconciliation, Smart Document Capture, real-time reports, sales tax, cash-flow forecasting, expenses, projects, inventory, payroll, multi-currency, app integrations, and JAX, Xero’s AI finance partner. US regular prices checked on October 1, 2026 are Early $27/month, Growing $59/month, and Established $97/month. Eligible new users can choose a trial; ongoing accounting access requires a paid plan.

✨ Key Features

• Online accounting — Manage core bookkeeping in the cloud.
• Quotes and invoices — Create quotes and send invoices.
• Online payments — Accept invoice payments subject to fees and terms.
• Bill management — Capture, track, and automate bill entry.
• Bank reconciliation — Match bank activity to accounting records.
• Smart Document Capture — Capture bill and receipt data.
• Financial reports — View real-time performance information.
• Cash-flow forecasting — Forecast 30, 60, or 180 days by plan.
• Expense and mileage claims — Track employee expenses and mileage.
• Projects and time tracking — Track project time and costs where included.
• Payroll — Add Xero Payroll powered by Gusto in supported US plans.
• JAX AI and app ecosystem — Use JAX AI to automate work with review controls and connect with 1,000+ apps through the Xero App Store.

💳 Pricing

Regular US list prices checked on October 1, 2026:

• Early — $27/month.
• Growing — $59/month.
• Established — $97/month.
• Trial — Eligible new users can choose a 30-day free trial; paid promotional offers have separate terms and may not combine with the trial.
• Fees — Payroll, payments, and other add-ons can cost extra. Country, taxes, features, and billing terms vary.

Temporary introductory discounts are not the regular subscription price; confirm the current offer, renewal rate, and cancellation terms before subscribing.

⚖️ Alternatives Compared

🎯 Use Cases

• Small-business bookkeeping: Keep accounts and reports in one cloud system.
• Invoicing and collections: Send invoices and monitor receivables.
• Bill processing: Capture bills and automate routine bookkeeping.
• Bank reconciliation: Match bank activity to ledger records.
• Cash planning: Use forecasts for operating decisions.
• Expense management: Collect receipts and track expenses or mileage.
• Project accounting: Track project costs and time where available.
• Advisor collaboration: Share accounting data with bookkeepers.
• Connected operations: Add payroll, inventory, payments, and third-party apps.