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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.

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
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: August 31, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Mid Market (51-1000 emp.)
Feb 22, 2024
 Source
Overall Rating:
5.0
Md. Habibur R. avatar
Md. Habibur R.
Senior Finance Executive
Share
"Xero review"
What do you like best about Xero?

Xero streamlines workflows and boosts productivity by integrating with a variety of third-party apps and services, including payroll software, CRM software, and payment processors. Numerous accounting processes, including bank reconciliations, invoicing, and spending tracking, are automated by Xero, which saves users time and lowers the possibility of mistakes.

What do you dislike about Xero?

Even though Xero has some basic reporting features, some users might think that it doesn't have as many possibilities as more sophisticated accounting software. It's important to remember that not all users will experience these drawbacks, and many companies still find Xero to be a really useful and efficient accounting solution in spite of these difficulties.

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

Xero produces tax reports, streamlines electronic filing, and automates tax computations to assist businesses in adhering to tax laws and regulations. This guarantees that companies fulfill their regulatory responsibilities and lowers the possibility of non-compliance penalties.Financial report generation, including balance sheets, cash flow predictions, and profit and loss statements, is made easier with Xero. Users may quickly generate reports that are customized to match their unique requirements, giving them valuable information about how their organization is performing and where they can make improvements.All things considered, Xero may help firms by enhancing the effectiveness, precision, cooperation, and compliance of financial management procedures by tackling these typical accounting issues.

Small Business (50 or fewer emp.)
Feb 22, 2024
 Source
Overall Rating:
5.0
NS
Natasha S.
Founder
Share
"Xero experience"
What do you like best about Xero?

User Friendly Easy accounting Auto fill options

What do you dislike about Xero?

Can't set off a creditor against a debtor with a journal

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

we dont have to print supplier invoices,can link them to the expense Makes auditing process easier as well

Mid Market (51-1000 emp.)
Feb 20, 2024
 Source
Overall Rating:
5.0
Vilma B. avatar
Vilma B.
Finance Assistant
Share
"Xero the future of Accounting"
What do you like best about Xero?

Xero is understandable as a progrma, offers a lot of facilities through tips and tricks. Can easily generate reports upon neccesity. It can be easily integrated with banks and other applications. You can access from everywhere and whenever.

What do you dislike about Xero?

Customer service through tickets. I personally would prefer a straight contact number

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

Xero at the moment solves all of our problems. I used to have difficulties in project tracking costs but through tracking categories I can even track the project phases too.

Small Business (50 or fewer emp.)
Feb 14, 2024
 Source
Overall Rating:
5.0
Rikki Mae C. avatar
Rikki Mae C.
Accounting And Payroll Assistant
Share
"Review"
What do you like best about Xero?

I am more exposed to Xero because most of are clients are migrating from another accounting software to Xero. I am the one who set up the Xero account of our new client and the process of migrating data.

What do you dislike about Xero?

I have nothing to dislike about Xero because this is the main platform I am using everyday.

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

It solves a lot especially when you can import file in a bulk order.

Small Business (50 or fewer emp.)
Feb 06, 2024
 Source
Overall Rating:
5.0
Natasa R. avatar
Natasa R.
Business Development Manager
Share
"Easy to use"
What do you like best about Xero?

it`s easyand fast, and has ecxelent reports.

What do you dislike about Xero?

It`s not that good with timesheets in payroll

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

Everything is inside, tidy, and easy to find

Small Business (50 or fewer emp.)
Feb 05, 2024
 Source
Overall Rating:
5.0
Felix B. avatar
Felix B.
Ceo
Share
"Great cloud accounting, maybe the best."
What do you like best about Xero?

Ease of use. And the reduction to the needed and essential but keeping flexibility. Reminds me of MacOS in that sense.

What do you dislike about Xero?

Not much. It's not cheap, especially in the multicurrency version.

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

Above all I'd say it saves time and workload in accounting.

Small Business (50 or fewer emp.)
Jan 19, 2024
 Source
Overall Rating:
5.0
GW
Gareth W.
Founder
Share
"Business accounting made easy"
What do you like best about Xero?

That it integrates with my Powered Now software and I can run all my companies financials through it, with ease.

What do you dislike about Xero?

I haven't come across anything I dislike

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

Allowing me to do the large majority of the accounts for my business, saying me time and money

Mid Market (51-1000 emp.)
Jan 18, 2024
 Source
Overall Rating:
5.0
Luka Z. avatar
Luka Z.
Finance & Payments Specialist
Share
"Easy Accounting with Xero"
What do you like best about Xero?

It is very easy to use, and it also offers a lot of options to connect to other apps for more accessible accounting activities

What do you dislike about Xero?

There is nothing special that I disliked when using Xero

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

It is easy-to-use accounting software, and it also offers a variety of reports that can be downloaded directly from the app.

Small Business (50 or fewer emp.)
Jan 18, 2024
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"The only solution for SMEs"
What do you like best about Xero?

Ease of use for non-accountants, including reporting and business analysis.

What do you dislike about Xero?

There could be improved integrations and support for other country payroll and taxation systems. Cash flow forecasting isn't really possible in Xero, so improvements in this area would be welcome.

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

Efficent and cost effective accounting platform, and ability to have users remotely access the platform.

Small Business (50 or fewer emp.)
Jan 07, 2024
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great experience with Xero as an employee"
What do you like best about Xero?

Easy to apply for leave and see any payment details.

What do you dislike about Xero?

All my payslips are already there, so I sometimes wonder why there is no feature to bulk export payslips when I need them to provide for some applications.

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

Payrolling is seamless

Mid Market (51-1000 emp.)
Jan 05, 2024
 Source
Overall Rating:
5.0
RO
Rachael O.
Enterprise Risk, Audit, Control & Compliance Executive
Share
"I Wish I had Known Xero Before Wave"
What do you like best about Xero?

Unlike moat alternatives, Xero has a mobile application. It help me eradicate financial errors on invoices and receipts by infusing both 2&3 way matching tools before paying vendors.

What do you dislike about Xero?

Even though I haven't used it for an extended period, it never fail to accomplish my accounting needs.

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

How it automates the entire accounting tasks from billing, invoicing to general ledger remains the main relish of all times.

Small Business (50 or fewer emp.)
Dec 26, 2023
 Source
Overall Rating:
5.0
DC
Dean C.
Founder
Share
"Zero + Deputy Integration"
What do you like best about Xero?

Really easy interface for technical and non technical user. Great for day to day business insights and accounting

What do you dislike about Xero?

Can feel clunky at times and difficult to find exactly what I need

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

Day to day accounting linked with my accountsnta

Mid Market (51-1000 emp.)
Dec 21, 2023
 Source
Overall Rating:
5.0
SS
Satyam S.
Associate
Share
"Review of Xero"
What do you like best about Xero?

There are many benefits in xero:- (a) Instant financial reporting (b) Payroll & fixed asset management (c) Bank Connections (d) Reports (e) Ease of use & its implementation

What do you dislike about Xero?

Nothing as such feel while using Xero but not getting an exception report for tax is an issue

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

There are many problems solved by xero :- (a) Instant financial reporting (b) Payroll & fixed asset management (c) Bank Connections (d) Reports (e) Ease of use & its implementation

Small Business (50 or fewer emp.)
Dec 20, 2023
 Source
Overall Rating:
5.0
CB
Chris B.
Founder
Share
"Intuitive accounting software anyone can use!"
What do you like best about Xero?

It's simple to use, and the integrations make our business operations efficient, reducing duplications and manual inputs and improving reporting accuracy.

What do you dislike about Xero?

Some of the business settings could be easier to navigate to. Ability to tag and notify stakeholders on tasks - it would be useful to be able to collaborate on the Xero software when it comes to chasing missing invoices and allocations.

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

Centralised all finance and accounting activities

Small Business (50 or fewer emp.)
Dec 19, 2023
 Source
Overall Rating:
5.0
KK
Krishna K.
Senior Consultant
Share
"Xero - a beautiful accounting software"
What do you like best about Xero?

experience, xero integrations, ease of passing journals and the user interface is simple and beautiful

What do you dislike about Xero?

there is nothing to dislike Xero, I have been loving this software for 5 years, and never disappoints

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

solves many issues, keeps trial of transactions, documents attachments, cloud accounting, realtime updation, multi user at same time,

Small Business (50 or fewer emp.)
Dec 08, 2023
 Source
Overall Rating:
5.0
RC
Robin C.
Director Of Finance
Share
"Great accounting software"
What do you like best about Xero?

The ability to set up recurring invoices that will automatically create on set dates. Integrates well with Accelo for generating invoices for ongoing projects.

What do you dislike about Xero?

So far Xero is exceeding our expectations.

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

Less time entering invoices, reconciling bank statements is a breeze. Accessibility to many reports plus you can refine these reports.

Mid Market (51-1000 emp.)
Nov 29, 2023
 Source
Overall Rating:
5.0
BC
Brendan C.
Tech Solutions Specialist
Share
"User-friendly accounting solutions for small/medium businesses"
What do you like best about Xero?

The customizations available in reporting allow a deeper analysis of financial information inside of the accounting system and one-click export to Google Sheets for data manipulation as required.

What do you dislike about Xero?

Inventory and project management could be improved. They work but don't seem to be on the same level as the core bookkeeping and reporting features.

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

Speeding up the data entry and reconciliation processes while providing one-click analysis through their custom reporting.

Small Business (50 or fewer emp.)
Nov 27, 2023
 Source
Overall Rating:
5.0
HP
Heather P.
Founder
Share
"Xero Experience"
What do you like best about Xero?

The ease of use, with all area. That it is cloud based and easily accessible from anywhere. The integration with hubdoc is fantastic. I have had no issues with getting support from Xero when needed and there are many facebook groups that help xero users. I use Xero on a daily basis 7 days a week and have done for the past 6years without any major issues.

What do you dislike about Xero?

The new invoicing screen it slows my work down. I know I need to get used to it, but when you are busy its hard to do. The other thing is in the contacts area and something I have asked for over several years, to enable users to clean up contacts we need to be able to report on any contacts that do not have anything attached to them like a bill/invoice/spend money/receive money -so that contacts can easily be cleaned up

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

One thing I wish xero would do it implement changes that users want instead of redesigning screens that already work well, being able to give user access to specific areas ONLY therefore restricting access to certain confidential areas is really important is large practices. Your invoice template area is one area that users have asked to have more clearer way of being able to personalise especially using the docx templates. Bottom line is I dont see any problems that have been solved that benefit myself.

Mid Market (51-1000 emp.)
Nov 16, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great Reports"
What do you like best about Xero?

The Reporting functions are great and easy to dig deep into transactions that make up each figure.

What do you dislike about Xero?

Support is limited to using menus, tutorials and then a real person. Helps keep the cost down though.

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

Users are tagged to transactions, so I can see who has done the work on the transaction. Multiple people can work on the same entity and share the workload.

Small Business (50 or fewer emp.)
Nov 12, 2023
 Source
Overall Rating:
5.0
AC
Angelica C.
Founder
Share
"Xero review from an accounting firm"
What do you like best about Xero?

its clear and easy to use everything makes sense and the functionality is great

What do you dislike about Xero?

sometimes when you put up a xero central case, you get a response from someone referring you to an article that doesn't address or answer the question. it would be better if they could just answer the question rather than diverting me elsewhere and not actually answer my question.

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

helps us with all of our practice bookkeeping and management of debtors it enables us to make a budget forecast and see where our money is going

Small Business (50 or fewer emp.)
Nov 10, 2023
 Source
Overall Rating:
5.0
Kobi G. avatar
Kobi G.
Founder & Ceo
Share
"Xero is easy!"
What do you like best about Xero?

I've always been a huge fan of Xero for it being idiot proof! We use it every day and it intergrates with our bank account Starling and our expense system Pleo. We have never needed to contact customer support for problems because it's so easy to use!

What do you dislike about Xero?

I think sometimes it's hard to get the chart of accounts in the correct set up.

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

How else am I suppose to do our company accounts!? It is cloud based and just perfect!

Small Business (50 or fewer emp.)
Nov 03, 2023
 Source
Overall Rating:
5.0
AD
Angelica D.
Mrs
Share
"USER FRIENDLY XERO"
What do you like best about Xero?

Xero for me is the easiest and the most user-friendly accounting software out there. It allows you to create bills, and invoices, and integrate your bank with Xero so you can directly reconcile every transaction in Xero, it can be integrated with other receipt bank software as well, this way you don't need to manually create those bills into Xero. I love how they made it so user can have the option to study and learn everything about Xero through their Learning feature. I have been using Xero every day for the past 2 years and it never let me down. Even though there are times that the system is down, you can easily check and search Xero's status online to see what's happening and what steps they are taking to fix the problem. It also allows you to create tickets when there are issues arising and you need proper support. The community also serves as customer support as most frequently asked questions have been answered. The implementation of product updates has been made easy as they make sure that customers are well-informed ahead of time and provide guides so they can manage everything as well.

What do you dislike about Xero?

I do love the reports and how easily they can be understood, but I felt like it has wide room for improvement. Just like how I sometimes need a wider range of reports but what you can generate is only limited to what they have in Xero. It would be amazing if I could go to reports, for example, payroll reports, and then have the dropdown menu with all the pieces of information that were inputted or created in Xero. Furthermore, I felt like payroll can be improved as well, and having all the awards installed would really help business owners as well, as sometimes it is very difficult to keep up with all the changes going on within the ATO and state governments. But all in all, Xero is still the go-to when it comes to accounting software.

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

Xero is solving all the manual things going on within the accounting books. It also helps to ease day-to-day transactions like creating bills and invoices, especially bank reconciliation. The reports help you check and manage expenses and sales every day.

Small Business (50 or fewer emp.)
Oct 25, 2023
 Source
Overall Rating:
5.0
Jaqui L. avatar
Jaqui L.
Official Member
Share
"Outstanding support after major hacking attack"
What do you like best about Xero?

The Xero team, from customer service to specialists were amazing, supportive and responsive at a time when I suffered a significant hacking attack across my whole network. They were professional, diligent and one of the few companies that responded to the seriousness of the hack immediately.

What do you dislike about Xero?

As I was hacked I was advised not to answer any phone calls from numbers I didn't have an ID for, so when Xero team were trying to call me, to help me, I didn't know it was them. We found a work around, but when under huge stress this was a bit of a challenge

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

Enabled me to get my account back up and operational and SAFE for my team and accountant.

Small Business (50 or fewer emp.)
Oct 19, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero programme review"
What do you like best about Xero?

Easy to use especially bank reconciliation and reporting. Great to be able to access it from mobile devices.

What do you dislike about Xero?

Nothing... it's a great programme which is very user friendly

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

Much better than the old accounting programme we had

Small Business (50 or fewer emp.)
Oct 12, 2023
 Source
Overall Rating:
5.0
WB
Wayne B.
Founder
Share
"Easy to train for and friendly to use."
What do you like best about Xero?

Help screens and google how to .. allows you to learn.

What do you dislike about Xero?

I have not had any dislikes as such. If anything it is easy to loose your TAB while transfering between screens.

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

Xero is so easy to use it gives time back.

Small Business (50 or fewer emp.)
Oct 10, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero- G-Accon Experience"
What do you like best about Xero?

Using G-Accon along with Xero has been a game changer for us. It helps us to easily track our outstanding invoices and manage it so much easier. The automation process works so well and saves so much time for us daily. We are thankful Xero has the integration capabilities to work with the G-Accon templates and automation.

What do you dislike about Xero?

Wish there was a way to see total currency paid when looking at invoices paid section to show total amount paid amongst several invoices at once without having to download a full report. Wish there was a way when you have accidentally approved invoices that are needing correction that you could select a large group of invoices and void them all at once in awaiting pymt section.

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

Provides ease of using template to create large groups of invoices & to email them out all together as a batch. Ease of tracking past due invoices and sending automatic reminders, etc.

Small Business (50 or fewer emp.)
Oct 01, 2023
 Source
Overall Rating:
5.0
HB
Harshita B.
Founder
Share
"Xero making finance easy"
What do you like best about Xero?

It is a very userfriendly software to maintain accounts and understand the business's finances. I use this software day in and out!

What do you dislike about Xero?

There are quite a places where we do not have audit history or trial of past changes and also few technical areas like super refunds which needs to be automated.

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

Xero is comparatively better than the other Australian accounting softwares, infact we have also recommended this to a few and made them move to Xero from their previously used softwares.

Small Business (50 or fewer emp.)
Sep 29, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Very user friendly"
What do you like best about Xero?

User friendly and simple to use. Intergrates great with our HR software.

What do you dislike about Xero?

I'm still working my way around the site but I havent come accross any negatives yet.

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

All payroll is done on Xero. It makes my life so much easier.

Small Business (50 or fewer emp.)
Sep 27, 2023
 Source
Overall Rating:
5.0
david s. avatar
David S.
Owner
Share
"Exceptional accounting software"
What do you like best about Xero?

It is extremely easy and fast to use, it integrates with my bank so it's very easy, very hard to make mistakes and it'a saved me so much time with my bookkeeping

What do you dislike about Xero?

There are some more complicated features that are harder to understand

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

It makes my daily accounting and bookkeeping tasks much easier and therefor it saves me lots of time and minimises the possibility of mistakes

Small Business (50 or fewer emp.)
Sep 17, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero has made small business accounting easy and accessible to me"
What do you like best about Xero?

Xero has made small business accounting easy and accessible to me, even without a business background. It helps me reconcile transactions easily so I never miss one. Xero is also a one stop shop for all my sales needs, such as invoices and quotes. I like that it's all in one place, with great tutorials to help me too.

What do you dislike about Xero?

It would be great if you could keep track of various types of expenses in Xero to make it easy for the end of financial year tax return. Maybe this feature is there and I haven't come across it yet.

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

Xero has made accounting incredibly accessible to me, even though I lack accounting and business knowledge. As a former teacher with a small business, I need a lot of assistance in this area. Xero has been easy to pick up and run with so that I can manage my finances with confidence and make sure every transaction is reconciled easily.