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Xero Accounting Software logo
Xero
4.4

( 631 )

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Xero Reviews: 4.4/5 — Solid Choice

Xero Overview
What is Xero?

Xero is a mature, cloud-based accounting platform for small and growing businesses that offers invoicing, bank reconciliation, expense capture, reporting, cash flow forecasting, multi-currency support and a large integrations ecosystem.


Xero is also often used as Accounting of choice in Indie Hacker and AWS tech stacks.

Company Xero Limited
Year founded 2006
Company size 1000+ employees
Headquarters Wellington, New Zealand
Managed by:
Axel Grubba
Founder
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Ask Questions about Xero
What Xero is best for?
How does Xero compare to QuickBooks Online?
What are the pros and cons of Xero?
Xero Product Details
Capabilities
AI
API
Segment
Small Business
Mid Market
Freelancer
Ease of use
Beginner
Advanced
Deployment Cloud / SaaS / Web-Based, Mobile Android, Mobile iPhone
Support Chat, Email/Help Desk, FAQs/Forum, Knowledge Base
Training Documentation, Videos
Languages English
Xero Pros and Cons
Pros
  • Comprehensive core accounting, invoicing, expense tracking and reporting features
  • Unlimited users with no per-user license fees in core plans
  • Strong mobile app support and substantial feature parity on mobile
  • Large ecosystem and open API with many integrations
  • Transparent pricing with introductory discounts and multi-currency/localization support
Cons
  • Some advanced features (multi-currency, project costing, expense claims) are available only in higher tiers
  • Payroll in the US is via partner (Gusto), so native payroll varies by country
  • No standard inbound phone support; phone contact is by callback rather than a public phone line
  • Some features (e.g., auto-reconcile) are in Beta and may evolve
  • Developer API terms prohibit using API data to train AI/ML models
Xero Features
AI Assist / automated guidance
AI or automation tools (chatbot / assistant)
API Access
API or white-label partner capabilities
Accounting software integrations
Accounts Payable
Accounts Receivable
Add-ons (extra features beyond base plan)
Analytics / key performance indicators (KPIs)
Approvals / workflow for documents & expenses
Audit Trail
Auto-categorization / mapping rules
Xero Media
Xero - Xero Homepage
Xero Screenshots
Xero Homepage
Xero Homepage
Disclaimer
Our research is curated from diverse authoritative sources and meant to offer general advice. We don’t guarantee that our suggestions will work best for each use-case, so consider your unique needs when choosing products and services. Feel free to share your feedback.
Last updated: July 28, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Mid Market (51-1000 emp.)
Jan 29, 2020
 Source
Overall Rating:
5.0
AB
Aileen B.
Founder
Share
"Best for small to mid size businesses"
What do you like best about Xero?

It has numerous integrations like Ordermentum, Receiptbank, Lightyear ad others. It also allows many users to be on the screen at the same time. It has a lot of advance features that is helpful.

What do you dislike about Xero?

Always have an issues like sudden interruption in the system while using.

What problems is Xero solving and how is that benefiting you?

Very easy and simple to use. It is also flexible and allows numerous integration which helps our company to have faster transactions.

Small Business (50 or fewer emp.)
Dec 30, 2019
 Source
Overall Rating:
5.0
KL
Kathleen L.
Bookkeeper
Share
"Best for tracking and managing business in accounting and bookkeeping needs."
What do you like best about Xero?

This software is a very sophisticated one as it helps track the cycle of the business in terms of accounts payable;e, receivable, income, and setting up payroll as well. From small to medium size businesses, it is perfect for bookkeeping needs.

What do you dislike about Xero?

I don't have any problem with Xero as it helps a lot for my bookkeeping needs plus it is not too complex to use.

What problems is Xero solving and how is that benefiting you?

Tracking my expenses and income all in one software is honestly very helpful.

Small Business (50 or fewer emp.)
Nov 19, 2019
 Source
Overall Rating:
5.0
MF
Matthew F.
Creative Director
Share
"Xero - use it from day 1"
What do you like best about Xero?

Xero is unbelievable - it makes running our business so much easier. It's a one stop shop for managing our bank account transations, filing receipts and expenses, and processing tax and our VAT returns. Xero basically runs and contains our entire business - including client records and billing and everything in between.

What do you dislike about Xero?

The cost - £25 a month for an online database can seem steep, but I keep telling our team that it easily saves us that much every month in manpower. The integration of MTD for tax returns has been absolutely amazing - it means we can file VAT on time, every time.

What problems is Xero solving and how is that benefiting you?

It's allowed us to keep track of all our equipment and spending, and file receipts in a safe, secure, organised space where we can access for audits at any time. I only wish we'd used Xero from day 1 of the business!

Mid Market (51-1000 emp.)
Nov 10, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best cloud accounting software"
What do you like best about Xero?

The ability to expand the base functionality through add ons

What do you dislike about Xero?

The base reports are sometimes quite simple and don't allow for the level of detail needed

What problems is Xero solving and how is that benefiting you?

Solving the problem of lots of manual data entry. Realised benefits of speeding up bank reconciliations along with being able to see what the client can see

Small Business (50 or fewer emp.)
Nov 07, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero is great for submitting and tracking expenses"
What do you like best about Xero?

I like the fact that it is really simple to use and it has same capabilities on your phone or on your laptop. The only difference is the 2-factor certification process you need to do on your phone to access Xero but it is worth it. It takes less than a minute to submit expenses - no spreadsheets no fuss around getting it right.

What do you dislike about Xero?

The only issue I had is that after you submit the expense, you are unable to edit it afterward. For instance, I entered the account name incorrectly and now it appears in our overall system and there does not seem to be any troubleshooting for this issue and any options to fully remove it.

What problems is Xero solving and how is that benefiting you?

Submitting expenses

Small Business (50 or fewer emp.)
Nov 06, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero - Excellent software and fantastic support"
What do you like best about Xero?

Unlimited users Numerous integrations Suited for large businesses Advanced features Double-entry accounting

What do you dislike about Xero?

Issues with Bank feeds - Not really a Xero issue more my bank!

What problems is Xero solving and how is that benefiting you?

Access from anywhere and easy to understand and Dashboard shows a summary of my outstanding invoices etc

Small Business (50 or fewer emp.)
Oct 29, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Super simple accounting"
What do you like best about Xero?

how simple it was to setup- incredibly easy

What do you dislike about Xero?

not much- pretty great we like this a lot

What problems is Xero solving and how is that benefiting you?

accounting and budgeting

Enterprise (> 1000 emp.)
Oct 27, 2019
 Source
Overall Rating:
5.0
Mark A. avatar
Mark A.
Accounts Assistant
Share
"Xero is superb and excellent business accounting platform. "
What do you like best about Xero?

The most significant thing about this software is that the banking dashboard in Xero makes it very easy to manage banking transactions. This program is user friendly and free with many invoices features which always makes happy because it enhanced our finance and accounts invoices and expenses and in this why, we can't worried about the financial condition. This software helps us so much to understand and learning about accounting.

What do you dislike about Xero?

The main disadvantage of this software is that Xero software completely removed all of its features, which is very convenient and helpful for the users but now there is no more any convenient feature like the service and customer records and the inventory tracking.

What problems is Xero solving and how is that benefiting you?

This software is super responsive and the extremely helpful for our business companies because by using this efficient tool, they can easily manage my accounts and invoices in a better way. So I can highly recommend it to everyone.

Small Business (50 or fewer emp.)
Oct 25, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero Expenses"
What do you like best about Xero?

Very straightforward to upload receipts and submit expenses

What do you dislike about Xero?

Nothing - this is a very user friendly app to use

What problems is Xero solving and how is that benefiting you?

I now get my expenses in on time!

Small Business (50 or fewer emp.)
Oct 22, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best accounting package for small businesses"
What do you like best about Xero?

Extremely intuitive, auto reconciliation, invoice creating and being able to export any data to excel

What do you dislike about Xero?

Xero underwent an update and the interface had changed for the worse (in my opinion)

What problems is Xero solving and how is that benefiting you?

Being able to consolidate the files and check multiple bank accounts on one accounting package. Payroll system can work alongside xero to ensure invoices are actually being sent.