Xero background blur-sm
Xero Accounting Software logo
Xero
4.4

( 631 )

Why Findstack is free?
Findstack is free for users because vendors pay us when they receive web traffic and sales opportunities. Findstack directories list all vendors — not just those that pay us so that you can make the best-informed purchase decision possible.
Advertising disclosure: Findstack offers objective, editorially independent comparisons to help you find the best software. Some links on this page are affiliate links — we may earn a commission when you visit a vendor through our links, at no additional cost to you. Affiliate relationships never influence our ratings, rankings, or reviews. Disclosure policy | Methodology

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.

Company Xero Limited
Year founded 2006
Company size 1000+ employees
Headquarters Wellington, New Zealand
Managed by:
Axel Grubba
Founder
Xero Categories on Findstack
Crevio E-Commerce Platforms logo
Crevio
Sponsored
5.0
(1)
Free plan available
Crevio is an AI-powered platform that runs your business while you sleep. Describe what you want to se... Learn more about Crevio
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
Accounting software integrations
Accounts Payable
Accounts Receivable
Add-ons (extra features beyond base plan)
AI Assist / automated guidance
AI-based tools / automation beyond categorization
AI or automation tools (chatbot / assistant)
Analytics / key performance indicators (KPIs)
Annual tax filing support (personal &/or business)
API Access
API or white-label partner capabilities
API / third-party integrations
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: September 02, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Small Business (50 or fewer emp.)
Sep 12, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great accounts solution"
What do you like best about Xero?

We moved from on-premise Sage which was buggy and cumbersome. Deploying was a breeze, syncing to our bank accounts and rolling out in the US and Singapore.

What do you dislike about Xero?

The reports were pretty basic at first, but Xero have addressed this.

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

Huge time savings across the board, accessing financials on the road, consistent reporting across countries. The list goes on.

Mid Market (51-1000 emp.)
Sep 10, 2023
 Source
Overall Rating:
5.0
KD
Keshav D.
Founder
Share
"Xero is very useful software for accounting purpose which can be use by different domains."
What do you like best about Xero?

Xero can be use for accounting and finance and can be useful in fetching the financial reports and provide an appropriate data and statements like Profit and Loss.

What do you dislike about Xero?

Xero lacks automatic recurring payments, so the payment can be set up manually within stripe or some other payment gateway. If you do set payments to recurring, it will not mark your invoices paid until you reconcile the transaction.

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

Xero is benefiting in the way to provide the various accounting statements and balance sheet for a company to identify the profit and loss of the company. Xero can be also used for the statement of accounts for the particular customers and vendors by showing purchases and sales accounting.

Small Business (50 or fewer emp.)
Sep 10, 2023
 Source
Overall Rating:
5.0
Mitesh P. avatar
Mitesh P.
Virtual Office Assistant
Share
"Best Accounting software"
What do you like best about Xero?

Best thing about Xero is Cloud bookkeeping & accounting. It is simple design which is really easy to learn.

What do you dislike about Xero?

They existed their business in India which is disadvantage for me to use it.

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

It give you all in one online bookkeeping service, everything is cloud based. You don't even need to upload bank statement. It saves me a lot of time to do manually, it has everything what a business required for their finance department.

Small Business (50 or fewer emp.)
Sep 07, 2023
 Source
Overall Rating:
5.0
VR
Venkata Sarala R.
Founder
Share
"Excellent"
What do you like best about Xero?

I like to work with xero cloud software. We can do internal accounting and extranal accounting also. As a tax agent I save my to use this software. In the market so many accounting softwares avilable but my vote is for Xero Software.

What do you dislike about Xero?

reports are taking more time - its not user friendly . The current reports are good hopefully it will save my time. Payroll is good but employee payment option is not there.

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

Reports issues are solving now and ongoing development. So I can see day to day development in xero software. Payroll - employee payments and IRD payment will be done by xero, it will be very good.

Small Business (50 or fewer emp.)
Aug 27, 2023
 Source
Overall Rating:
5.0
RF
Robert F.
Founder
Share
"Xero works - and works well"
What do you like best about Xero?

Confidence in it's accounting accuracy Easy to manage Good help desk when needed Easy and intuitive layout Community Q&A can be of assistance

What do you dislike about Xero?

Sometimes hard to find where certain things/activities are located - but once you find them, you remember. Errors at 'reconciliation with bank' was not as helpful as it could have been .... needed to use accountant to identify one issue that prevent reconciliation

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

Reports are good. Nice layouts - easy to understand.

Small Business (50 or fewer emp.)
Aug 23, 2023
 Source
Overall Rating:
5.0
KT
Kris T.
Founder
Share
"xero for expenses"
What do you like best about Xero?

Xero has a very user-friendly interface, robust features, and cloud-based accessibility. It works very well within our business.

What do you dislike about Xero?

If i make a mistake entering in an expense and save it, it can be a pain to get it amended and re-submitted. Ulitimatley in our company (it maybe solely our company) accounts wont accept a claim in full if one entry has an error.

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

Easy way to work remotely ad put in your expenses

Small Business (50 or fewer emp.)
Aug 21, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"One stop shop for all accounting needs"
What do you like best about Xero?

Ease of use - be it reconciling transactions or genertaing invoices

What do you dislike about Xero?

It is not integrated with email ids. Integration with emails would faciliate auto pick up of invoices that are sent to emails and auto reconciled hence reducing the need to send invoices separately to the accountants

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

Accounting Invoice generation

Small Business (50 or fewer emp.)
Aug 16, 2023
 Source
Overall Rating:
5.0
PB
Paddy B.
Founder
Share
"Great Software"
What do you like best about Xero?

Ease of Use, Good Funtionality, Tools for review of the transactions, Report Functionality

What do you dislike about Xero?

Feature request from users has low priority.

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

The ease of managing finances and compliance burden

Mid Market (51-1000 emp.)
Aug 09, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great for early stage companies"
What do you like best about Xero?

Easy to use when you're just getting started

What do you dislike about Xero?

It is quite slow to load each report and page

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

Managing all of our accounting processes

Mid Market (51-1000 emp.)
Jul 21, 2023
 Source
Overall Rating:
5.0
LS
Lovella S.
Customer Success Operatio Data Analytics
Share
"Simbol review for xero"
What do you like best about Xero?

Managing expenses, was easy to use and to understand Cloud computing Very intuitive

What do you dislike about Xero?

Nothing to discuss it offers all our needs

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

Expense management

Enterprise (> 1000 emp.)
Jul 14, 2023
 Source
Overall Rating:
5.0
TM
Tyler M.
Sales Strategist/Senior Proposal Consultant/Proposal Consultant
Share
"Pretty and good product"
What do you like best about Xero?

Simple and straightforward Cloud computing Xero is a user-friendly Connection to accounts are seamless

What do you dislike about Xero?

The only dislike I have come around is lack of job costing interactivity

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

Xero is good for smaller business

Enterprise (> 1000 emp.)
Jul 10, 2023
 Source
Overall Rating:
5.0
MM
Miles M.
It Specialist
Share
"Great customer service offered by Xero"
What do you like best about Xero?

Easy to use and great reporting Ability to customize workflow to meet our specific needs User-friendly

What do you dislike about Xero?

There is nothing to discuss it's great it offers great customer support

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

Cost effective and easy to use

Small Business (50 or fewer emp.)
Jul 08, 2023
 Source
Overall Rating:
5.0
NC
Nelson C.
Founder
Share
"very dynamic applications and fantastic UI"
What do you like best about Xero?

easy to implement & use. increased efficiency & accuracy of data without worrying about integrity of the applications

What do you dislike about Xero?

looking for suitable local xero advisers

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

efficiency and accuracy of accounting work

Small Business (50 or fewer emp.)
Jul 05, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best cloud accounting software for small business"
What do you like best about Xero?

Design, ease of use and cloud collaboration.

What do you dislike about Xero?

Foreign currency additional subscriptions

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

Small business accounting and making tax digital

Small Business (50 or fewer emp.)
Jul 04, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy User friendly software"
What do you like best about Xero?

A lot of applications integrate with Xero. We are not required to up grade or update the files with software updates.

What do you dislike about Xero?

The batch payment functionality via the financial details in suppliers contacts area provides for limited features, so it is difficult to pay Inland Revenue two payments on one particular day.

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

Pay roll details on pay slip. The customer wanted the wages pay slip to include the employee's annual salary but we could not reflect it. We then asked Xero Support and they confirmed this feature wasn't yet available.

Small Business (50 or fewer emp.)
Jul 03, 2023
 Source
Overall Rating:
5.0
SG
Shania G.
Founder
Share
"Xero for business"
What do you like best about Xero?

Paying employees, managing expenses and overviews of ingoings and outgoings

What do you dislike about Xero?

some more email marketing that includes links to resources like templates and checklists and free training/courses (which I can create) or free videos on youtbe for small businesses and employees may be a good idea, example - "how to onboard star employees" and have a link to free templates from Xero or a third company (our company) who will pre record these videos and display on our youtube with affiliate marketing to xero subscriptions and provide value to viewers as we can touch on subjects like "have you thought about what types of policies and procedures you need for employees to maintain compliance or encourage the implimentation if the values of your business? or if you had a section where we could upload our policies and procedures that our staff have signed would be good to keep under employees potentially ir even better if you could email them and they click an acknowlegement of viewing/ signing of the contract or policy and Xero refers to the date this was signed protecting businesses and offering support in employee management - please dont hesitate to contact me if you like more info!

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

being able to pay staff, send invoices, link banks to see ingoings and outgoings, monitoring cash flow for business including what is owed to us and more

Small Business (50 or fewer emp.)
Jun 29, 2023
 Source
Overall Rating:
5.0
TP
Te Ariki P.
Founder
Share
"Super user friendly - made with non-accountants in mind"
What do you like best about Xero?

Very quick to learn, the software allows the majority of business accounting work to be completed without expert knowledge of debits, credits and journals. There is a great community of users who share knowledge, tips and tricks No other small-medium accounting software comes near.

What do you dislike about Xero?

Xero doesn't scale well when you need to add multiple cost centres, tracking codes work well for a while, but once you have more than 5-6 cost centres, it gets pretty clunky. While there is a great community of users, the Xero helpdesk is very slow for more complex issues.

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

Xero is great for helping to track grant expenditure, the tracking tool can be great for this if you have regular grant funders each year. Bank reconciliations save so much time.

Small Business (50 or fewer emp.)
Jun 25, 2023
 Source
Overall Rating:
5.0
SM
Stephanie M.
Managing Director
Share
"My all in one financial machine"
What do you like best about Xero?

Xero has a multitude of apps in its store which enables my entire sales system to run seamlessly.

What do you dislike about Xero?

Their payroll solution is clunky and. It user friendly. You are unable to put a monthly salary and instead has 178 hours at £5.876658 which is below National minimum wage but the employees are not being paid National minimum wage.

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

Xero streamlines the accounting function of a business. Direct bank feeds enable east bank reconciliations and the recurring invoices mean I don't need to spend time invoicing each month.

Small Business (50 or fewer emp.)
Jun 20, 2023
 Source
Overall Rating:
5.0
AH
Abigail H.
Social Media Manager
Share
"Xero: Robusta Tool for AP and AR Automation"
What do you like best about Xero?

Xero eradicates manual accounting tasks which saves time from AP, AR and GL.

What do you dislike about Xero?

Xero pose no error when utilizing it on my end at workstation.

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

Inventory control and invoice customization. Ap, Ar, and GL automation. Invoicing and billing.

Small Business (50 or fewer emp.)
Jun 20, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Fast, Effective Comms, Great Experience"
What do you like best about Xero?

Fast contact, clear concise instructions enabling the customer to arrive at a solution themselves which in its self is alot more beneficial than having someone fully babysit you and not knowing yourself what to do with future occurances.

What do you dislike about Xero?

Nothing at all comes to mind, all expectations have been met

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

Time, cost savings

Small Business (50 or fewer emp.)
Jun 17, 2023
 Source
Overall Rating:
5.0
JA
James A.
Business & Tax Advsior
Share
"Simple, Easy-to-Use Accounting Software"
What do you like best about Xero?

Easy and simple to understand for people without an accounting background. Constantly updated to reflect changing needs of the users. Large number of apps and add-ons that can make the software more customisable.

What do you dislike about Xero?

Inventory side of the program is still lacking in comparison to other programs. No way to use if the servers/internet are down.

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

We use it internally for own invoicing and accounting needs, as well as setting up our own accounting clients on the software. It's ease of use is making it more simple to teach our clients how to utilise.

Small Business (50 or fewer emp.)
Jun 15, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Excellent software for smaller businesses"
What do you like best about Xero?

We love the fact that you can integrate other apps into it, to aid better business intelligence. Everything you could need is within loads of reporting documents.

What do you dislike about Xero?

Would love more free intergrated apps to work with xero, and wish that the bank accounts would stay connected as sometimes they will drop out.

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

It helps us keep a better eye on our expenses so we don't over spend and lets us know when invoices haven't been paid yet.

Small Business (50 or fewer emp.)
Jun 09, 2023
 Source
Overall Rating:
5.0
BW
Ben W.
Founder
Share
"great software as a service business"
What do you like best about Xero?

easy to track the business numbers and accounts for tax reporting

What do you dislike about Xero?

can be complex and my accountants use it more than i do

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

accounting. simplifies tax time, allows easy billing of clients and tracking expenses

Small Business (50 or fewer emp.)
Jun 07, 2023
 Source
Overall Rating:
5.0
ME
Muhammad E.
Head Of Internal Audit Department
Share
"Best Cloud Based Software"
What do you like best about Xero?

Xero is very friendly to use .Quite cheap in cost comparing to QBO.

What do you dislike about Xero?

In few countries you can't connect the bank.

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

Xero is solving my Bookkeeping problems. It helps me to get rid of manual accounting/bookkeeping system.

Small Business (50 or fewer emp.)
May 31, 2023
 Source
Overall Rating:
5.0
RT
Rachelle T.
Cfo
Share
"Great Entry Level to Advanced System"
What do you like best about Xero?

Xero is very user friendly. It is great for individuals who are newer to accounting with training modules. It's also great for a small team by using automation

What do you dislike about Xero?

The biggest downside was how unique the email for invoices was. It has a lot of special characters so it can be a challenge if you are trying to share with a vendor over the phone.

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

Quicker accounting systems and automation

Mid Market (51-1000 emp.)
May 10, 2023
 Source
Overall Rating:
5.0
DK
Deepak K.
Accountant
Share
"Best cloud accounting software"
What do you like best about Xero?

Ease of access, it can easily and most affordable accounting software available in the market. All the educational videos easily available on Youtube and Xero's portal

What do you dislike about Xero?

It's occasionally updated on a quarterly basis and adds a new feature to update the existing one. Sometimes it creates inconvenience to use. Customer care available only through email.

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

Earlier I was preparing the financials in excel but in recent changes in the UK for filing the VAT return through MTD. I was looking for an affordable yet best software in the budget.

Mid Market (51-1000 emp.)
Mar 14, 2023
 Source
Overall Rating:
5.0
KM
Kevin M.
Founder
Share
"Very easy to use, and well supported by accountants"
What do you like best about Xero?

Great look and feel (user interface) and is well laid out - much better than MYOB online which I use to administer my local model railway club. It just seems like more thought has been put into it. From what I can see, plenty of accountants use it themselves and support it (more than MYOB or Quickbooks, I reckon).

What do you dislike about Xero?

Nothing springs to mind - it just works!

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

Keeping track of invoices, bills and the accounts. Nothing specific, we just use it for our accounting system

Small Business (50 or fewer emp.)
Feb 15, 2023
 Source
Overall Rating:
5.0
Angie M. avatar
Angie M.
Founder
Share
"Xero - Business Owner's Best Friend!"
What do you like best about Xero?

Xero is extremely easy to use and has fantastic integration capabilities for business owners. In addition, the app allows individuals to sort their finances easily.

What do you dislike about Xero?

Although I do LOVE Xero it would be wonderful to have a FREE service available for business owners just starting to learn about the power of accounting software.

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

When using Xero it helps to clarify what the cashflow situation is for my clients' businesses. It is a fantastic program that can help business owners get more in touch their business's finances.

Small Business (50 or fewer emp.)
Dec 30, 2022
 Source
Overall Rating:
5.0
Christian B. avatar
Christian B.
Senior Accountant
Share
"Most user-friendly bookkeeping software out there"
What do you like best about Xero?

User interface. Out of all the bookkeeping and accounting applications I have put my hands on, Xero is the easiest one to navigate and understand. The simple interface and color scheme just makes sense.

What do you dislike about Xero?

I cannot think of anything. Some people say that reports can be tricky to customise, but If one tries to understand the key functions everything can be done easily.

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

Daily bookkeeping solutions. Xero always makes it easy for anyone.

Small Business (50 or fewer emp.)
Dec 21, 2022
 Source
Overall Rating:
5.0
GM
Giovanni M.
Financial Accountant
Share
"Splendiferous,momentous,alluring and badass online accounting and invoicing tool."
What do you like best about Xero?

I like how Xero automates financial reporting process thus making it easy to create financial statements and balance sheets reports.It's easy to track and manage cash flows.I like ease to track and manage expenses with this tool.Bank reconciliation process seems more simpler with Xero.

What do you dislike about Xero?

There is nothing that challenges me when working with Xero since everything is easy and fast to comprehend without any hassles.

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

Xero delivers automated billing and invoicing process. Xero makes accounting and bookkeeping process more effective. Xero accepts online payment methods.