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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: August 06, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Small Business (50 or fewer emp.)
Sep 12, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"The best software out there for accountants by far!"
What do you like best about Xero?

Once you understand what your doing, this software is the best one around. Everything has been streamlined and they are constantly updating the software for the latest requirements.

What do you dislike about Xero?

You can only load up 10 bank lines at a time when reconciling. Ocassionally I will want to look at more in one go but I do not have this ability unless you open a second tab.

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

We are solving many accountancy problems in Xero as it is the easiest and best bit of software we have tried.

Small Business (50 or fewer emp.)
Sep 12, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Really useful tool"
What do you like best about Xero?

It’s so great that it integrates with my bank account to make bookkeeping so much easier.

What do you dislike about Xero?

I honestly haven’t found any downsides yet!

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

Speeds up the accounting process for my business meaning I have more time to spend on the core activities.

Small Business (50 or fewer emp.)
Sep 12, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero - the best for small businesses"
What do you like best about Xero?

Xero is so easy to use and is a fantastic tool that allows small businesses to work collaboratively in the cloud with their advisors.

What do you dislike about Xero?

Xero can be frustrating with some of the changes that they implement to the user interface.

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

It enables us as accountants to provide real-time advice to our clients

Mid Market (51-1000 emp.)
Sep 11, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Good, straightforward, reliable accounting package "
What do you like best about Xero?

Easy to use. Easy to scale. Supports multiple currencies and can benefit from third party add ons.

What do you dislike about Xero?

The number of decimals are restricted to 4 when creating invoices. Cause of issue should you be a manufacturer.

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

Easy bank recs, automating month end processes.

Mid Market (51-1000 emp.)
Sep 08, 2019
 Source
Overall Rating:
5.0
Lawrence C. avatar
Lawrence C.
Project Manager
Share
"Makes accounting more interesting"
What do you like best about Xero?

Xero is benefiting me by its painless setup that facilitates me about cumbersome financial operations and also helps in reducing the time spent scrambling voluminous records as well. Moreover, all transactions and contacts can be governed from the same page. Most of all the dashboards are comparatively more interesting and provides a full access. Comparing financial charts and billing can be compared through it’s incredible features.

What do you dislike about Xero?

Indeed a best solution for providing financial and account based activities within an organization because of its immense useful features. Apart from this activity log is quite simple and also notifies about each and every single update.

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

Xero is a quality product for accounting related tasks as it is designed to meet the requirements of any kind of accounting procedures. Apart from this it has the most user friendly interface that I have ever came across and also quite easy to understand as well. Moreover, anybody like me who is not familiar to accounting or have very little or basic knowledge about can easily manage all these tasks.

Mid Market (51-1000 emp.)
Sep 03, 2019
 Source
Overall Rating:
5.0
XS
Xinyi S.
Administrative Assistant
Share
"efficient and easy to use "
What do you like best about Xero?

the options available and how quickly it gets approved, xero is extremely easy to interact with, you don't need to train an employee up to use it.

What do you dislike about Xero?

the app can be quite prone to crashing, sometimes taking an entire phone reset to function normally.

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

problems solved is the expedition of getting paid. Benefits is easy interface.

Small Business (50 or fewer emp.)
Aug 31, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Literally the best piece of accounting software in the cloud I have found!"
What do you like best about Xero?

3 of the things I find that i LOVe about Xero... 1. It pulls in your bank feed so no manual entry which means you are a lot more accurate. 2. It allows you to dynamically allocate your expenses so you can have a lot of different ways in which you can allocate and then see the information which you just can't easily do on a spreadsheet (or any other software for that matter) 3. RULES! These are amazing, it allows you to setup rules for the item to be pre-allocated, you still have to confirm this but it can pickup details from within the transaction and use the rule to pre-allocate it making your book keeping so much quicker and easier.

What do you dislike about Xero?

There is not much to dislike to be honest, I guess really the complexity of it does mean that you have to be patient before you pickup how it works. But it is so dynamic in its ability to deliver results that I would personally oversee this detail and definitely pick it as my chosen accounting software it is far superior to anything else I have seen out there.

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

Accounting fore our business that is complex in its transactions so we can dynamically allocate these, showing accurate P&L's for individual properties - the competition quickbooks simply does not have the dynamic ways in which Xero can do it - I tried and it just can't do what Xero does nor could a consultant I ask even figure out a way to do it.

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

The layout is great and looks very modern. Lots of integration can be done with Xero.

What do you dislike about Xero?

Updates and changes are frequently happening so keeping up to date can be tricky sometimes. Bank feeds can also not work about once every few months.

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

Bookkeeping time has halved with Bank feeds and statement importing. Lots of reports to choose from and VAT filing for non adjustments returns.

Small Business (50 or fewer emp.)
Aug 22, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great software"
What do you like best about Xero?

User friendly, very easy to navigate, love the fact it can be integrated with our other business systems. Super easy mobile application.

What do you dislike about Xero?

Wish support could reply a bit faster, as sometimes it can take up to a week to get a descent help on issues.

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

Cloud based, mobile access, great visibility, safe data.

Enterprise (> 1000 emp.)
Jul 29, 2019
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great Application"
What do you like best about Xero?

Xero is a great application and enables me to get a lot more done in a lot less time!. Well Done Xero.!!! Xero is by far the best package of it's type that I have used. It's easy to use, accurate, to the point and enables me to provide a better service to my clients.

What do you dislike about Xero?

I haven't found anything that I dislike about Xero

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

I use it for Credit Control and it makes it quicker and easier for me to find the information about customers that I need, resulting in quicker collection of outstanding A/C's.