What Xero is
Xero is made by Xero Limited. It sits in our Accounting & invoicing category, alongside the other options listed at the end of this page.
Best suited to: Small businesses that work closely with an accountant and want everything in the cloud.
What it does
- Invoicing, bills and bank reconciliation
- Unlimited users on its plans (check current terms)
- Multi-currency for international business
- Large marketplace of connected apps
Which business sizes it fits
How Xero lines up with the four business sizes we use across USA24.
Solo
Good fit
Freelancers and one-person businesses
Main Street
Good fit
2–20 employees
Growth
Good fit
20–200 employees
Global
Less typical
Teams across borders
What to check before you buy
Questions to answer, ideally during a free trial or a demo, before you commit:
- US payroll options, which work through partners.
- Plan limits on invoices and bills.
- Whether your accountant supports Xero.
- Sales tax handling for your states.
- US tax and compliance. Software doesn't replace professional advice on payroll, sales tax or industry rules.
- Getting your data out. Ask how you would export your data if you ever switch.
Pricing
Xero pricing depends on the plan, number of users and add-ons, and vendors change it often. We don't list prices on overview pages; check the current plans on the official Xero website. Our full review will break down the real cost.
Other options in Accounting & invoicing
Next step
Shortlist it, then test it on real work.
Read our five-step guide to choosing business software, then run Xero through one real week of your work before you decide.