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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
Xero Categories on Findstack
QuickBooks Online Accounting Software logo
QuickBooks Online
4.1
(3,202)
Starting at $30.00/month
As one of the best known accounting and financial software companies today, Quickbooks offers a combin... Learn more about QuickBooks Online
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: October 29, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Mid Market (51-1000 emp.)
Sep 30, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great software for invoices and quotes!"
What do you like best about Xero?

It is really helpful for creating detailed invoices when I need to break down the quote for the customer to look at!

What do you dislike about Xero?

Discounts have to be entered line by line,when you want to move items on top, the process is slow

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

Not having to write quotes on excel anymore Benefits- permits my customers to see their total brokendown

Small Business (50 or fewer emp.)
Sep 23, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy accounting"
What do you like best about Xero?

The bank feed makes life easy without having to enter in entries manually

What do you dislike about Xero?

I wish there was a package for Ltd companies where you could file CT as well as VAT!

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

Company accounts management.

Small Business (50 or fewer emp.)
Sep 21, 2021
 Source
Overall Rating:
5.0
JM
James M.
Accounts Manager
Share
"What a Hero🙌💪💪💪!!!?Online accounting and billing moving from zero to infinity with Xero"
What do you like best about Xero?

It's simple to track total cash in and out with Xero. Xero is a very safe and secure tool to carry out accounting operations. Xero allowse to track and pay bills on the right time. It's possible to reconcile bank statements with Xero. It's simple to track and manage inventories with Xero.

What do you dislike about Xero?

There is nothing that stress me when using Xero as it matches all our needs as organization.

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

Facilitate great billing and invoicing. Accepts online payments. Enables ease of preparing financial statement reports.

Small Business (50 or fewer emp.)
Sep 16, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Awesome finace tracking software for small business, non profit, and non accountants!"
What do you like best about Xero?

I love that it's so intuitive, and easy to do things like view balances, print checks, manage company credit cards, and create invoices.

What do you dislike about Xero?

I dislike that it's not always easy to create unique reports. They template reports are fine, but sometimes I need things a bit more nuanced, and its a little tricky to complete these.

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

Great way to help a small NPO with 4 departments manage our money, budget, and grant contracts.

Small Business (50 or fewer emp.)
Sep 08, 2021
 Source
Overall Rating:
5.0
Mohammad Bilawal B. avatar
Mohammad Bilawal B.
Field And Digital Marketing Manager
Share
"One of the most secure and easy to use cloud based accounting software"
What do you like best about Xero?

I have been scared to manage other accounting software as such as Sage group or Quickbooks. As the UI differs and one simple mistake can lead to big troubles, XERO has been the most satisfying software I have ever used. With great UI/UX.

What do you dislike about Xero?

The inventory or purchase side is very basic for the software, there can be an improvement for managing the inventory side of things which will help users to manage everything in one single source instead of integrating it with other software.

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

We were managing the payroll with XERO, managing all the freelancers times for how long they worked and how much should be paid to them, manage to invoice, manage all the sales, making the end of week reports and using Hubdoc which was the best feature which has saved a lot of time for the company for data entry manually.

Small Business (50 or fewer emp.)
Aug 31, 2021
 Source
Overall Rating:
5.0
Conni B. avatar
Conni B.
Gold Premier Influencer
Share
"Love this software! So nice to integrate with other platforms too."
What do you like best about Xero?

I love being able to click through to everywhere, run in multiple windows and integrate with other platforms

What do you dislike about Xero?

I wish they'd get rid of all UK spelling and references for Americans

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

Great for financial dics

Small Business (50 or fewer emp.)
Aug 26, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"brilliant - does the job of a book keeper!"
What do you like best about Xero?

Simple and intuitive to use - makes you feel like an expert in book-keeping. Ideal for small business owners who like to keep a close eye on finances and be in touch with their business finances. All areas are split into sensible sections allowing you to switch quickly from paying bills, sending out invoices, checking balances, reconciling accounts, issuing quotes. All really easy.

What do you dislike about Xero?

There is nothing I dislike about Xero. It is close to perfect for my needs

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

We have no problems with xero

Small Business (50 or fewer emp.)
Aug 25, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Review Xero accounting software"
What do you like best about Xero?

User friendly dashboard, tracking of changes, customised report, document uploads and integrated system with software add ons

What do you dislike about Xero?

It will be better to have more of a segregation of duty, it does not provide enough options to select a different access level for different users. The budget manager currently does not support recording or reporting capital expenditure.

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

Access to information to share with accountants, auditors, saving a lot of time. Add ons such as ApprovalMax makes payment approval process clear and easier.

Small Business (50 or fewer emp.)
Aug 24, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to setup and get invoicing going"
What do you like best about Xero?

Xero is super fast to get set up and intuitive to use.

What do you dislike about Xero?

It can be a little cumbersome sometimes and doesn't have integration with Salesforce without paying for expensive third-party appxchange products.

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

We can quickly and easily send quotes, invoices and automatic reminders to customers and prospects.

Small Business (50 or fewer emp.)
Aug 17, 2021
 Source
Overall Rating:
5.0
Md. Sarwar H. avatar
Md. Sarwar H.
Bookkeeper
Share
"Xero is awsome"
What do you like best about Xero?

Xero is super user-friendly. I like everything in Xero. It just takes my bookkeeping career to another level.

What do you dislike about Xero?

There is not a single item in Xero which I dislike.

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

Xero offers the best solution while transferring from another accounting software. Comparative balance is an excellent function in Xero. It helps to showcase all the previous years balances in one place.

Small Business (50 or fewer emp.)
Aug 12, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"User friendly"
What do you like best about Xero?

Easy to mange multiple companies and different user templates

What do you dislike about Xero?

There are some limitations to restore the data for retired the company. Currently, it requires to be an active user to view the data.

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

invoice integration with a different system automatically sent out invoice reminders, and easy to manage the opening bill.

Small Business (50 or fewer emp.)
Aug 10, 2021
 Source
Overall Rating:
5.0
Lindsey M. D. avatar
Lindsey M. D.
Bookkeeper & Payroll Coordinator
Share
"A great platform that will continue to improve!"
What do you like best about Xero?

The dashboard to the reporting are all very clean, uncluttered, and user friendly for all levels of experience.

What do you dislike about Xero?

Not having invent management or more professional looking reports.

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

Tracking expenses and billing.

Small Business (50 or fewer emp.)
Jul 17, 2021
 Source
Overall Rating:
5.0
Kamal Kishan R. avatar
Kamal Kishan R.
Financial Accountant
Share
"My Experience with using Xero"
What do you like best about Xero?

I believe one of the best features of Xero is its auto-match at the bank reconciliation stage. It reduces the need to go looking through invoices as Xero itself provides suggestions for possible matches.

What do you dislike about Xero?

Although there isn't anything in particular that I don't like about this software but what I believe needs improvement is its bank feed system of linking to banks to Xero. Although the process is simple, it is still time-consuming to get the linkage approved by the banks, while many banks still haven't partnered with Xero yet.

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

I think Xero has provided many Accountants with a tool to customize reports to suit the specific needs of each user. For example, I have redesigned the GST report, Ageing reports, and others to suit my needs. This modification feature has helped me save a lot of time as it provides ready-made reports which don't need any further filtration.

Small Business (50 or fewer emp.)
May 20, 2021
 Source
Overall Rating:
5.0
MP
Mikkah P.
Academic Support Officer
Share
"xero invoice"
What do you like best about Xero?

keeps our invoices, tuition fee records organized. using xero eliminates the usage of paper, makes bills and payables record keeping easier . useful to everyone especially to those who dont have any accounting experience. It is user friendly. It also makes payments transactions easier. We are able to keep track of each of our student's tuition fee , balances and other payables because of Xero. We have linked Xero to our sudenyt's profiles.

What do you dislike about Xero?

sometimes it lags and the updates will not appear immediately. Xero is user friendly. and you can update the system to keep up with your current needs. maybe it would be better if xero send monthly updates to the account manager automoatically

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

One of the Benefits of uisng xero system is having all files organized. When I click on the student's name, I can just click on his xero invoices and see all history and balances.It keeps collaboration and information sharing within the company easy.

Small Business (50 or fewer emp.)
May 17, 2021
 Source
Overall Rating:
5.0
DJ
Daine J.
Owner
Share
"Super easy to use"
What do you like best about Xero?

Very user-friendly to use for a small business, easy to understand.

What do you dislike about Xero?

support takes some time to get back to you. Also they are no longer integrated for cash Sales on YOCO.

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

Very easy to keep my business bookkeeping up to date.

Mid Market (51-1000 emp.)
Apr 15, 2021
 Source
Overall Rating:
5.0
BN
Bridget N.
Strategic Account Specialist
Share
"Xero at R/GA"
What do you like best about Xero?

Availability of both accounting and invoicing features in one platform is what I like more about Xero.

What do you dislike about Xero?

Up to date, I haven't encountered errors while utilizing Xero.

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

As a Strategic Account Specialist, I have been able to save time while automating AP, AR and crrating invoices.

Small Business (50 or fewer emp.)
Apr 07, 2021
 Source
Overall Rating:
5.0
AR
Aengus R.
Owner
Share
"Super simple accounting solution for small business owners"
What do you like best about Xero?

Xero is a simple to use, nondaunting accounting platform. I'm basing my review from the view of a small business owner, it works equally well for large corporations, I'm sure, but for the purpose of this review, let's keep it small. I run a small graphic design firm in Ireland and a simple solution to accounting was a must, as I am absolutely awful with anything to do with accounting. Xero offers a straightforward solution, ties in well with National and international bank accounts to allow for automatic reconciliation, which is a huge time saver. I have been using it since 2010 (it's now 2021) and I can firmly say for a small business, it's excellent value.

What do you dislike about Xero?

Occasionally the bank balance shown will not align with the actual amount of money in the account. This may however be down to the fact that I work in multiple currencies.

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

It saves me heaps of time. I can invoice quickly and easily. I've linked it in with Stripe Payments which has improved the time I get paid by most clients significantly.

Small Business (50 or fewer emp.)
Mar 15, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to Navigate"
What do you like best about Xero?

I love how easy it is to navigate. Everything is so easy to find and simplistic.

What do you dislike about Xero?

I don’t like the process of reconciling a whole month/statement. Each transaction is reconciled through the bank feed (reconciliation tab) but there’s not a way to “double check” the reconciliation based on a whole month with a start and end balance.

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

I’m solving duplicated transactions and mislabeled transfers. One benefit I’ve realized is that isn’t he reconciliation tab, there’s a small tab on each transaction for notes! You can write a note for a client to see or a reminder of something about that transaction.

Small Business (50 or fewer emp.)
Feb 26, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero runs circles around QBO"
What do you like best about Xero?

The dashboard explains everything you would want to know, and if there are features you always use, you can tag them to show up in the dashboard. The automatic billing feature is also awesome. Takes me less than 5 minutes to set up a new client and start the auto-billing feature for future invoices.

What do you dislike about Xero?

When linking to PayPal it only allows one PayPal account. I have 2vPayPal capturing accounts but I can only link one. It doesn't recognize that there are 2 different accounts.

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

It allows me to do all of my business bookkeeping and I can access everything via an app for my Android or Apple iPhone

Small Business (50 or fewer emp.)
Feb 17, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great"
What do you like best about Xero?

You can manage your finances (any size company) send invoices and do payroll from one place.

What do you dislike about Xero?

Bank feeds are duplicated something, but I believe it's mostly bank fault not Xero

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

P&L, invoicing, bills reconciliations

Small Business (50 or fewer emp.)
Nov 23, 2020
 Source
Overall Rating:
5.0
Kristie S. avatar
Kristie S.
Gusto Partner Advisory Council (Gpac) Member
Share
"Xero - Cloud Accounting Software for Your Small Business"
What do you like best about Xero?

Xero's platform is extremely easy to setup and navigate but still has all the features you need without being so robust that it's slow to navigate. You can integrate so many softwares through their open API and adjustments are a breeze. You can add various user levels to share the file with business owners and CPAs or members of the team who may just need access to one portion like AR/AP.

What do you dislike about Xero?

Xero could improve the 1099 process but their developer team always takes comments into account and works to push new updates to the software frequently.

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

A cloud accounting software that really cares about its users and allows an easy to navigate accounting software to create beautiful reports for monthly review and end of year tax filings. Affordable and offers numerous integrations to other softwares if your specific needs are not met within the software itself.

Small Business (50 or fewer emp.)
Nov 06, 2020
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero is a great alternative to Quickbooks. Easy, Affordable & Always Right!"
What do you like best about Xero?

The dashboard/UX is very intuitive/straightforward

What do you dislike about Xero?

Not all accountants are familiar with this service

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

Handling my accounting needs with Xero has been very simple, with the least time requirements vs the competition

Mid Market (51-1000 emp.)
Oct 28, 2020
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Ease of use"
What do you like best about Xero?

no learning curve, you can understand the use of system just by following the on screen steps

What do you dislike about Xero?

Acess Permissions, Xero need to work on more granual access permissions

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

Accounting, Invoicing

Small Business (50 or fewer emp.)
Oct 16, 2020
 Source
Overall Rating:
5.0
DF
Darren F.
Founder
Share
"Brilliant Accounting Software"
What do you like best about Xero?

The ease of use of the software and how it makes accounting that little bit simpler.

What do you dislike about Xero?

Nothing. It's a great piece of software.

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

It solves all our accounting problems.

Small Business (50 or fewer emp.)
Sep 29, 2020
 Source
Overall Rating:
5.0
BM
Brian M.
Founder
Share
"Xero is the ideal accounting package for small business"
What do you like best about Xero?

The ability to create recurring invoices The ability to re-code transactions very easily

What do you dislike about Xero?

The reporting could be improved with a report writer package but it still offers very good accounting reporting

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

I have solved the creation of reports for many centres using one set of accounts by using tracking categories I also used tracking categories to breakdown reports even further by a secondary set of categories

Small Business (50 or fewer emp.)
Sep 28, 2020
 Source
Overall Rating:
5.0
LK
Lloyd K.
Founder
Share
"5 Star Experience With XERO"
What do you like best about Xero?

Xero is a cloud accounting solution to allow business owners to issue invoice digitally and allows collection of payment to be faster because customer can choose to make their payment only via PayPal or their credit card.

What do you dislike about Xero?

XERO can be a little slow at times and the subscription fees is a little on the high side.

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

I am able to organize my accounts with XERO. Most important, I will be able to invite my accountant into XERO to help me with my bookkeeping and accounting for my company.

Small Business (50 or fewer emp.)
Sep 22, 2020
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Simple accounting software"
What do you like best about Xero?

Xero has a huge range of partners with software plug ins so that if Xero does not have the functionality you need, you can still find it and integrate it with Xero.

What do you dislike about Xero?

I would prefer more flexibility on the reports that may be generated.

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

Xero makes working with a remote accountant and book keeper dead easy. Everyone can access the latest information.

Small Business (50 or fewer emp.)
Sep 16, 2020
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero is easy"
What do you like best about Xero?

It’s very easy for someone like with minimal accounting and bookkeeping experience

What do you dislike about Xero?

Sometimes I need to make a bookkeeping decision

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

Invoicing bookkeeping tax prep

Mid Market (51-1000 emp.)
Aug 25, 2020
 Source
Overall Rating:
5.0
AD
Andrew D.
Founder
Share
"Really efficient"
What do you like best about Xero?

Easy to navigate Good price Easy to grant access to others. Help pages quite helpful and online community is really useful if help pages don't give you a solution. Easy to link with bank account.

What do you dislike about Xero?

It appears that you don't always access reports or screen in a consistent manner, sometimes leading to confusion or frustration.

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

Most bookkeeping issues are solved.

Small Business (50 or fewer emp.)
Jul 29, 2020
 Source
Overall Rating:
5.0
KL
Kevin L.
Sales Manager
Share
"Xero checks all the boxes for us!"
What do you like best about Xero?

Xero was a huge upgrade going from Quickbooks desktop to an online system. It can be accessed from anywhere at anytime without having to deal with servers and firewalls. The interface is very user friendly and navigation is pretty straightforward and easy.

What do you dislike about Xero?

There are a few things that I would like to receive notifications for that at the moment cannot be accomodated. For example, when an invoice is paid, there is currently no way to get an email notification/confirmation. I'm not sure if it's our internet connection, but sometimes loading an account can be a bit slow. I use it almost everywhere, home, work, travel, and the load times always are about the same no matter what the speed of the internet connection. Regardless, it's significantly faster than anytime I was using Quickbooks.

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

The problems we have solved with Xero are the ability to receive payments online quickly, send and track invoices repeatedly with minimal effort, see an accounts historical events, and produce useful reports as needed. Generating quotes, invoices, purchase orders, bills, etc. is very easy. The repeating invoice function has also been tremendously helpful to us in ensuring that we are invoicing clients as needed.