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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: September 01, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Small Business (50 or fewer emp.)
Dec 09, 2022
 Source
Overall Rating:
5.0
Daniel C. avatar
Daniel C.
Saxophone, Piano, Clarinet And Theory Tutor, Composer And Arranger
Share
"My Personal Experience with Xero: Streamlining My Business Finances"
What do you like best about Xero?

In my opinion, one of the best features of Xero is its intuitive user interface. The software is easy to navigate, and it makes it simple to manage all of your financial transactions in one place. Another great feature of Xero is its ability to integrate with a wide range of third-party applications. This allows you to connect Xero to other tools you use in your business, such as your CRM, inventory management, and e-commerce platforms. This makes it easy to manage all aspects of your business from one central location. One of the most valuable features of Xero for me is its real-time reporting capabilities. Xero allows you to track your financial performance in real-time, which means you can make informed business decisions quickly and easily. The software also offers a wide range of customizable reports, so you can get the information you need in a format that is easy to understand. Another standout feature of Xero is its strong security measures. The software uses multiple layers of security to protect your financial data, and it is regularly audited to ensure that it is always up-to-date with the latest security standards. Overall, Xero is an excellent choice for businesses looking to streamline their financial processes and make better-informed decisions. Its user-friendly interface, integration capabilities, real-time reporting, and strong security measures make it a valuable tool for managing your business finances.

What do you dislike about Xero?

As a user of Xero, I have found that the software has some limitations. One limitation is that it is only available as a cloud-based solution, which means that I need an internet connection in order to access it. This can be inconvenient for businesses that operate in remote locations or have unreliable internet access. Another limitation is that Xero does not offer some of the advanced features that are available in other accounting software. For example, it does not have built-in support for inventory management or job costing, which may be important for my business. In addition, Xero may not be the best option for businesses with complex financial needs. While the software is user-friendly and easy to use, it may not have the sophisticated features that I need. Finally, Xero is not free. While it offers a range of pricing plans, I will need to pay to use the service. This may not be suitable for businesses with limited budgets. Overall, while Xero has been useful for my business, it may not be suitable for everyone. Its cloud-based nature, limited advanced features, and cost may be limiting for some businesses.

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

As a user of Xero, I have found that the software solves many of the problems associated with managing business finances. One problem that Xero solves is the need for a user-friendly interface. The software is easy to navigate, which makes it simple for me to manage all of my financial transactions in one place. Another problem that Xero solves is the need to integrate with other business tools. The software allows me to connect it to other tools I use, such as my CRM, inventory management, and e-commerce platforms. This makes it easy for me to manage all aspects of my business from one central location. One of the most valuable ways that Xero solves problems for me is its real-time reporting capabilities. Xero allows me to track my financial performance in real-time, which means I can make informed business decisions quickly and easily. The software also offers a wide range of customizable reports, so I can get the information I need in a format that is easy to understand. Finally, Xero also solves the problem of security. The software uses multiple layers of security to protect my financial data, and it is regularly audited to ensure that it is always up-to-date with the latest security standards. Overall, Xero has been beneficial for me by solving many of the problems associated with managing business finances. Its user-friendly interface, integration capabilities, real-time reporting, and strong security measures make it a valuable tool for managing my business finances.

Mid Market (51-1000 emp.)
Nov 22, 2022
 Source
Overall Rating:
5.0
FG
Fotis G.
Finance Manager
Share
"Active Xero user"
What do you like best about Xero?

UI is great. Although its best for medium-sized businesses, it offers the whole packet

What do you dislike about Xero?

There is no live bank feeds for Greece. It's best used for countries like the US, UK, and Australia.

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

Bookkeeping for all four of our entities.

Small Business (50 or fewer emp.)
Nov 10, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to use!!"
What do you like best about Xero?

All the reports the system generates saves me a lot of time!

What do you dislike about Xero?

Sometimes there are updates that are not announced. Maybe a notice would be helpful.

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

Shows me all my payables and receivables in detail. I do not have to be going back and forth trying to figure out what needs to get paid and who needs to pay the company.

Small Business (50 or fewer emp.)
Oct 21, 2022
 Source
Overall Rating:
5.0
KG
Kendrs G.
Finance & Hr Coordinator
Share
"Great"
What do you like best about Xero?

I like how other systems can easily integrate other software can integrate into Xero. It matches transactions, so it is easy to reconcile at the end of the month.

What do you dislike about Xero?

When billing out a PO, you can bill it out more than the amount is for, and it can mess up with the financials on the balance sheet, etc. Also, when pulling reports, you must click on too many different things to get to where you want to go.

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

It allows things to be in one place without going to many other places. It integrates with other softwares and makes it easier than pulling reports manually from other places.

Small Business (50 or fewer emp.)
Oct 11, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Accounting with Ease"
What do you like best about Xero?

The integration of other apps. The program is easy to use and to teach to our cleints.

What do you dislike about Xero?

I am not happy when the bank feeds stop working.

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

Xero continually improves on its product, which benefits us and our clients.

Small Business (50 or fewer emp.)
Oct 11, 2022
 Source
Overall Rating:
5.0
VE
Vivien E.
Head Of Tax
Share
"Easy-2-use Accounting"
What do you like best about Xero?

i love the bankfeeds and the management report functionality. the dashboard optimisation makes it easy for me to get to daily usage information

What do you dislike about Xero?

that bank reconciliations are not part of the management report pack

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

it helps by giving the bankfeed info in time so i can give my clients up to date accounting information to enable them to make better business decisions

Mid Market (51-1000 emp.)
Oct 11, 2022
 Source
Overall Rating:
5.0
SM
Susrutha M.
Finance Executive
Share
"Xero made life easy for Accountants"
What do you like best about Xero?

Xero has a user-friendly interaction and provides a tutorial for each segment and. also; we can create a demo company for trial-and-error checks for accounting. I personally like the bank rules in bank reconciliation segment.

What do you dislike about Xero?

There are not many loopholes in this software compared with similar accounting software like ZOHO or MyOB, which has minimal customization. But the dashboard can be improved and integrated to export data to other software for preparing management reports. We already have the spotlight, but if we can bring more options, it would be better

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

As our business deals with the financing sector, we have thousands of bank reconciliation transactions every month. And also, we have many accounting entries to be passed every month, which can be automated and just checked by creating rules for reconciliations and cloning for repeating the statutory entries.

Small Business (50 or fewer emp.)
Oct 06, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Nice interface, easy to adopt and integrates to our programs"
What do you like best about Xero?

I can logon to the Xero app anywhere in the world and see a snapshot of the business

What do you dislike about Xero?

Can't think of any really, nothing I can think of

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

Cloud based software that can be accessed anywhere which means we can work from anywhere and checkin

Small Business (50 or fewer emp.)
Sep 25, 2022
 Source
Overall Rating:
5.0
RB
Regina B.
Admin Assistant
Share
"Best accounting software!"
What do you like best about Xero?

What I like about Xero is that it is very user-friendly. You don't need to be an accountant to understand all of its features. This software is perfect for most business owners!

What do you dislike about Xero?

Xero is a great software but I think it would be helpful if they will be merging certain menus i.e. merging the organisation settings and financial settings so they're all in one place.

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

Xero helped us save a lot of administration time as the software basically does everything for us. All the reports we need can be generated in just a few clicks!

Small Business (50 or fewer emp.)
Sep 20, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to use, super detailed and gets the job done"
What do you like best about Xero?

Xero provides a good detail of employees pay. It's easy to view the payslips and has a good UI.

What do you dislike about Xero?

There's not much I dislike about xero as a consumer of it. It provided payslips in a clear format.

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

I am able to quickly and easily restore old pay checks

Mid Market (51-1000 emp.)
Sep 08, 2022
 Source
Overall Rating:
5.0
RD
Rashmi D.
Associate
Share
"Xero Review"
What do you like best about Xero?

It is simple to use after learning only for a while. It saves time by having some great features like Reports extracting as per your customization and also have import export feature.

What do you dislike about Xero?

It doesn't support multi-currency in inventories, in basic plans, only inexpensive plans. also, without learning/ or having some training, you can not use it. Although they have provided some supporting videos for learning.

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

It is cloud based, so it can be accessed from anywhere, it helps the owner. they can see their financial statements anywhere at any time. It is great in integration with other apps.

Mid Market (51-1000 emp.)
Sep 06, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best app for maintaining accounting related things"
What do you like best about Xero?

Xero is a great application for handling money related transactions. We can easily categorise the expenses and check the progress of the submitted expense.

What do you dislike about Xero?

On thing that I don't like is that we cannot track the time and I think as the app is all about expenses and money there should be a time tracing feature available.

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

One problem that Xero is solving is that we can send the invoices. Also if we don't remember what is the last date for the bills to be paid it helps us reminding the due date.

Mid Market (51-1000 emp.)
Sep 06, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best app for tacking inventory expenses"
What do you like best about Xero?

As I work in the company in which there main client is inventory related so it becomes easy for us to track the cost and expenses of the inventories through this software.

What do you dislike about Xero?

One thing which I didn't like is a price as a startup company price or cost is very important at the initial stage but the cost of Xero is bit high for us rest everything is good.

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

The main problem which the Xero is solving that we are working for a client which works globally as an inventory tracking application so it becomes easy for us to track and maintain the expenses of those inventory all over the worl

Mid Market (51-1000 emp.)
Sep 01, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Good Platform for the management of transactions"
What do you like best about Xero?

The features of Xero are pretty impressive. I integrated Xero into my application for managing transactions. I have also categorized the bank's transactions using the categories provided by Xero. For each transaction from Xero and category of transactions. I have created a task corresponding to that at Asana with the same transaction amount. We have added this functionality to solve the problem of transactions related to the project estimation and expenses.

What do you dislike about Xero?

Xero is very rich in features. I have not used all the features except fetching transactions of the current users and integrating Xero SDK and Xero js library for generating auth tokens. These all are very good and will be good if have any examples of implementing Xero authentication using the Rails application.

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

I have told you earlier that in order to manage the project expenses of the developers, we have integrated Xero and raised a corresponding task at Asana using Xero APIs and auth token.

Mid Market (51-1000 emp.)
Aug 29, 2022
 Source
Overall Rating:
5.0
MM
Mathew M.
Key Account Manager
Share
"Xero is a magnificent,my favourite and my all time Hero solution for accounting and invoicing."
What do you like best about Xero?

With Xero,it's simple to create and send invoices to our clients.It simple to reconcile bank account statements with Xero.It's also simple to track and manage expenditure with Xero.It's simple to pay,track and manage bills with Xero.

What do you dislike about Xero?

Xero is a simple,secure,easy to access and user-friendly accounting solution that I lack any drawback to pinpoint.

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

Xero enables ease to track and manage cash flows. It's possible to know if our organization is making profits or losses. It's simple to accept online payments with Xero. It's simple to send and manage purchase orders with Xero.

Small Business (50 or fewer emp.)
Aug 17, 2022
 Source
Overall Rating:
5.0
Angela  D. avatar
Angela D.
Founder & Ceo
Share
"Brilliant accounts software"
What do you like best about Xero?

It's super user friendly, nothing technical required

What do you dislike about Xero?

I dislike that is can't sync directly with Infusionsoft

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

It helps keep accurate control of my finances

Small Business (50 or fewer emp.)
Aug 08, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best cloud-based accounting experience you will ever have!"
What do you like best about Xero?

I love how Xero is accessible wherever you are as long there is Internet or data. It is cloud-based, so there is no need to download or install any program except Xero. It is also user-friendly as it can be available in Windows and Mac. I also like their different features like payroll management, invoicing, and also automatic creation of reports.

What do you dislike about Xero?

Something to dislike is that to use Xero you really need to learn on how to navigate it. It also has a limited reconciliation feature wherein double-checks or reviews are not able to be done.

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

Much better flow of keeping track of income and expenses.

Small Business (50 or fewer emp.)
Aug 02, 2022
 Source
Overall Rating:
5.0
CM
Chris M.
Founder
Share
"Xero is a surefire way to keep my accounts in order"
What do you like best about Xero?

Xero is a surefire way to keep my accounts in order, and it's so simple and has fantastic integrations, especially for automation!

What do you dislike about Xero?

As a small business owner with no formal accounting knowledge, I feel like real-world examples for some functions would be useful.

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

I am a small business and Xero solves so many problems for me - it integrates with Zapier and therefore helps me automate my business and accounting. I spent 5 minutes a day checking in on things and that's all I need thanks to the integrations, especially with Pleo that does all my purchasing!

Small Business (50 or fewer emp.)
Jul 23, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Move your accounting files to Online"
What do you like best about Xero?

Xero is an accounting software which provides to store each and every realted to journals. Even it is easy to get the data using API for analysis and creating reports. Even there is 30 day trial where we can try it out for our requirement and the cost is also reasonable.

What do you dislike about Xero?

there is nothing such dislike for Xero as the cost is also reasonable.

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

It resolved the problem of maintaining the files and even analysing the data because of data been scattered in many files.

Small Business (50 or fewer emp.)
Jul 21, 2022
 Source
Overall Rating:
5.0
CS
Chaitali S.
Project & Account Manger
Share
"Accounting Work"
What do you like best about Xero?

Prepare the Quotation. Making the Invoice.

What do you dislike about Xero?

The reports format, Reconciliation all the payment & entry.

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

Easy way of preparing the quote & the format

Small Business (50 or fewer emp.)
Jun 30, 2022
 Source
Overall Rating:
5.0
Susan S. avatar
Susan S.
Assistant
Share
"So easy to use"
What do you like best about Xero?

Simple to use, I love the ability to change account numbers in the chart of accounts. It's an all-around simple software.

What do you dislike about Xero?

It does take about two days for the bank feed to refresh, but it may be the bank I use. I also do which within an invoice you can mark it paid and keep the money personally, instead of doing an additional journal entry.

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

I am a bookkeeper and use Xero for my business finances, and I also use Xero for a few clients as well.

Small Business (50 or fewer emp.)
Jun 27, 2022
 Source
Overall Rating:
5.0
LB
Leah B.
Assistant Accountant
Share
"Xero makes accounting user friendly and simple!"
What do you like best about Xero?

What I like most about Xero is that it is clear and user-friendly. My clients are able to view the same reports that the accountants use and it makes the business owners have more financial knowledge over their business.

What do you dislike about Xero?

One thing that I dislike with Xero is the chart of accounts that are automatically within Xero, it can be very time-consuming having to change them for each business so it would be good if Xero had pre-set chart of accounts for different types of businesses.

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

Xero is making real-time accounting possible for the business owners that we work with. They have more control over their finances and can check figures up regularly to keep business performance on track.

Small Business (50 or fewer emp.)
Jun 15, 2022
 Source
Overall Rating:
5.0
DP
Dan P.
Assistant Operations Manager
Share
"Great Stuff - Basically my entire job"
What do you like best about Xero?

Xero is something I use every day. It's the mainframe for our business in terms of reporting, day-to-day management, and interconnectivity between systems. It works well for us, and we manage all of our incoming and outgoing on there.

What do you dislike about Xero?

I don't particularly dislike anything about Xero. Sometimes the Expenses function is a little buggy, and might need some work, but otherwise it's great. I've used unleashed pretty much everyday for the last 3 or so years.

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

Xero solves a lot of problems in our business. It allows us to keep track of invoices, account for duties paid on our products, and helps me report on month end turnover, stock etc.

Small Business (50 or fewer emp.)
Jun 10, 2022
 Source
Overall Rating:
5.0
Tanjirul I. avatar
Tanjirul I.
Executive Finance & Accounts
Share
"Xero is an excellent cloud based accounting software"
What do you like best about Xero?

Xero is a simple-to-use accounting solution. I can generate invoices, accounting reports, and bank account reconciliations. Anywhere in the world, I can easily operate and login to the software.

What do you dislike about Xero?

Overall xero is very good accounting software but the price is comparatively higher than others.

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

I can provide others with access via email and work from anywhere on the planet.

Small Business (50 or fewer emp.)
May 30, 2022
 Source
Overall Rating:
5.0
Jonathan A. avatar
Jonathan A.
Director
Share
"Most important software in my business"
What do you like best about Xero?

The system is intuitive, easy to learn and the app store is fantastic. The integrations with the bank feed is fantastic and one of the best examples I have seen.

What do you dislike about Xero?

I have found the payroll and expenses module a bit clunky in comparison to the slickness of the rest of the modules. Also more bank integrations would be appreciated

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

Xero has helped deliver massive efficiency gains and has helped cut down on the paperwork required by the business. Year end accounts are delivered easily with my accountant being able to view everything they need in real time.

Small Business (50 or fewer emp.)
May 03, 2022
 Source
Overall Rating:
5.0
SC
Simon C.
Producer
Share
"Excellent software which has developed over the years"
What do you like best about Xero?

It works very well in all the countries we have businesses

What do you dislike about Xero?

The cost is substantial when you use all the cool features.

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

Accounting and VAT. It just works!!

Small Business (50 or fewer emp.)
Apr 21, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Fully featured yet easy to get started on as a small/micro business"
What do you like best about Xero?

The self-guided setup made it very easy to launch and onboard ourselves onto when we launched our small business just over 10 years ago. Since then, having moved into a larger business, it's been great to have the familiarity of Xero but find that it's still powerful enough to handle our larger business requirements as well.

What do you dislike about Xero?

I found Xero to meet all of my financial management needs. It would be great if the Standard plan included the automated superannuation feature, as it does include payroll for 2 people.

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

Compliant accounting software which was easy to use and made accounting as fun as it could be! The user interface has been very well thought out and makes it easy to navigate and use the system.

Small Business (50 or fewer emp.)
Apr 17, 2022
 Source
Overall Rating:
5.0
Aron M. avatar
Aron M.
Technology Director
Share
"Easy To Use Business Essential"
What do you like best about Xero?

Bank reconciliation is a breeze with the instant bank feeds. And the sales tools for quotes and invoices are great.

What do you dislike about Xero?

The instant bank feeds did take over a year to get working. And the costs are a bit high for new businesses.

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

All our accounts in one place. Managing and reconciling transactions only takes about half a day per month.

Small Business (50 or fewer emp.)
Mar 08, 2022
 Source
Overall Rating:
5.0
Garreth N C. avatar
Garreth N C.
Executive Director
Share
"Easy to use. Access from anywhere, good uptime levels. Integrates well with GoCardless"
What do you like best about Xero?

Mobile and desktop apps. Easy to make and track changes. Good training resources and a wide range of app integrations. Good reporting functions. Relatively easy for end-users.

What do you dislike about Xero?

No phone support, only online support via Xero Central. This is sometimes slow. That's about it really.

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

Monthly GST, year end accounts, business reports and projections. Also it supports e-invoicing (a new NZ govt initiative).

Mid Market (51-1000 emp.)
Feb 22, 2022
 Source
Overall Rating:
5.0
MA
Mou A.
Software Engineer
Share
"Xero is the best way for accounting software platform !!!"
What do you like best about Xero?

I'm professional bookkeeping working in the industry, so we had the requirement for a cloud-based framework that was practical. They worked with the bank and my independent venture clients to guarantee the bank took care of were arrangements appropriately. Xero's extra accomplices support the Xero item with highlights that might need.

What do you dislike about Xero?

It would likewise make the item more useable if it dealt with fractional exception organizations. There are frequent exchanges that are missed off. Fixing this bug would make the product much better.

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

It is utilized to oversee providers and clients. It is the reason for creating the board records and cost focus reports. I'm ready to close our bookkeeping periods quicker and get why and where our benefits are being produced.