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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 06, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Small Business (50 or fewer emp.)
Jan 21, 2022
 Source
Overall Rating:
5.0
MS
Matthew S.
Director
Share
"Xero saves you Time & Easily manages your Business"
What do you like best about Xero?

It saves our organization so much time every day.

What do you dislike about Xero?

That we had not started using Xero until the last few years, I used to use MYOB everyday and now it is Xero everyday on a computer or mobile phone.

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

We are saving time everyday which allows staff to do so much more

Small Business (50 or fewer emp.)
Jan 19, 2022
 Source
Overall Rating:
5.0
Anastasios N. avatar
Anastasios N.
Product Manager & Bdr
Share
"Xero Review"
What do you like best about Xero?

Really friendly customer service, flexible product and great pricing.

What do you dislike about Xero?

The only negative I have found was the optional add-ons in each pricing plan.

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

Solved my early stage startup invoices and accounting problems. Excellent and easy to use tool.

Small Business (50 or fewer emp.)
Jan 06, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"The go to 21st century accounting platform"
What do you like best about Xero?

I've used Xero for the past 5 years and the piece that keeps me as a customer is their exceptional API and other 3rd party integration tools. If I can't do it in Xero, there is a straightforward tool that helps me accomplish the task at hand.

What do you dislike about Xero?

I do wish there was more customization when it came to the controls in place especially around cash, AP, & AR. They are great controls but they can be limiting for the experienced accountant.

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

Since their API is so strong, multi-entity consolidation is not only easy but there are a plethora of providers that accomplish it with Xero for a low cost and low barrier to entry.

Small Business (50 or fewer emp.)
Jan 04, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero's Utility and Benefits"
What do you like best about Xero?

Xero's functionality is straightforward to use and presents the financial statements in an easy-to-read way.

What do you dislike about Xero?

Xero's utility is minimal when creating financial statements and adjusting journal entries.

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

Currently, a few of my clients are utilizing Xero, and that's primarily where I compile financial statements for them.

Small Business (50 or fewer emp.)
Jan 02, 2022
 Source
Overall Rating:
5.0
Didar H. avatar
Didar H.
Associate Accountant
Share
"excellent user friendly"
What do you like best about Xero?

I like most the way it represents the whole data. You can easily find all the scenarios, the income, expenses, and most importantly, it shows the whole scenario of your business that help you to make a quick decision. i strongly recommend this software and make your task most automated

What do you dislike about Xero?

did not find anything unusual. so far using experience is good

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

I use this software to run my small business and record all the business expenses. It helps me to track everything starting from my inventory to filing taxes.

Small Business (50 or fewer emp.)
Dec 23, 2021
 Source
Overall Rating:
5.0
JS
Jin S.
A
Share
"Useful and efficient"
What do you like best about Xero?

The ease of use and overall integration with a lot of software

What do you dislike about Xero?

No phone support. That is the only negative.

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

Payroll, CRM integration

Small Business (50 or fewer emp.)
Dec 21, 2021
 Source
Overall Rating:
5.0
CA
Cathy A.
Administrator
Share
"Xero is intuitive to use"
What do you like best about Xero?

Xero allows you to easily enter invoices to be paid and to track when they are paid.

What do you dislike about Xero?

I honestly don't have any dislikes with Xero. Mistakes can easily be rectified.

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

Because we use Xero we don't have problems! We easily keep track of invoicing, who has paid and who is late paying, so that we may follow them up.

Small Business (50 or fewer emp.)
Dec 16, 2021
 Source
Overall Rating:
5.0
MB
Mo B.
Co Founder
Share
"Essential took for every business!"
What do you like best about Xero?

User-friendly interface and amazing rules for auto reconciling

What do you dislike about Xero?

Some features are limited, such as having multiple warehouse locations

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

Our entire accounting is in one place with an amazing extent of reports to choose from and connects with the HMRC for VAT reports

Small Business (50 or fewer emp.)
Dec 16, 2021
 Source
Overall Rating:
5.0
​Z
​Keiffer John Z.
Client Service Coordinator
Share
"Outstanding management system"
What do you like best about Xero?

Xero has done a lot of things I didn't even imagine possible, one of the powerful intergrations Xero offered helped us managed out client's company money - bills and expenses coming in and going out.

What do you dislike about Xero?

Things can be challenging, especially on the technicalities of the application itself and the way the UI is organized but as you familiarize its work around and using its purpose, it can do amazing things for you and your company.

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

A few things I deal with is how e-commerce mainly done espescially recurring invoices, you’ll have a billing partner handling the details and since you want to see all those invoices in Xero, a direct connection is ideal.

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

Detailed API documentation. I was able to navigate the API easily

What do you dislike about Xero?

Some workflows need to be improved to make it easier to navigate

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

Billing

Mid Market (51-1000 emp.)
Dec 13, 2021
 Source
Overall Rating:
5.0
MJ
Manas J.
Marketing Consultant
Share
"Best accounting software with some amazing features"
What do you like best about Xero?

It makes the work of an accountant very easy. Manages all your work in one place without any professional user's help. Its supporting team is so helpful, they are available everytime whenever anybody needs help in using it or in setuping it. All the details of the transaction you do are available here, and the data is secured end to end. It makes the life an business runner very easy.

What do you dislike about Xero?

The online thing I dislike about Xero is that some of the features are of additional cost, and we cannot use them in the purchasing price of the software.

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

All the details of my online payments are available and saved in it. I make regular online payments through various online payment applications, so all the data is saved in Xero, which helps me create tax reposts. Generating invoices and sending them to my clients and customers. It helps me keep track and generate income and expenses reports.

Small Business (50 or fewer emp.)
Dec 08, 2021
 Source
Overall Rating:
5.0
ES
Evan S.
Manager
Share
"Excellent Accounting Software"
What do you like best about Xero?

- User friendly and easy to use - Bank feeds and rules to automatically code the transactions - Easily generate the profit & loss and balance sheet for any period. - Easy to use BAS reports and fixed asset register

What do you dislike about Xero?

- Some features missing in the payroll like salary sacrifices do not get coded to superannuation automatically. - Cash flow statements are a bit tricky to use. - Apart from this all the features and functions are great.

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

- Management reporting - Generating Financial Statements - Lodging BAS's - Payroll management - leaves, payroll, and superannuation - Trade debtors and trade creditors management.

Small Business (50 or fewer emp.)
Dec 07, 2021
 Source
Overall Rating:
5.0
BP
Becci P.
Owner
Share
"Great Accounting Software"
What do you like best about Xero?

Easy to use, integrates with credit cards, and I can give my CPA accountants access to book the quarterly journal entries.

What do you dislike about Xero?

I'm not an accountant, so it takes me longer to find things, but the help is very helpful.

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

Not really solving problems, it's a necessary task to execute all of the accounting for financial reporting.

Small Business (50 or fewer emp.)
Dec 04, 2021
 Source
Overall Rating:
5.0
MC
Mark C.
Director
Share
"First class accounting product for small business"
What do you like best about Xero?

Xero is easy to use with an intuitive user experience. It is designed for use by non-experts while at the same time having features for expert accountants.

What do you dislike about Xero?

Nothing to dislike. However, this is a small business level product and so does have limitations in certain areas. Granularity in security permissions is one such area.

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

Business accounting platform that integrates with other best-of-breed products. Xero provides efficiency in the accounting processes.

Small Business (50 or fewer emp.)
Dec 03, 2021
 Source
Overall Rating:
5.0
MC
Mark C.
Finance Manager
Share
"Xero - simply the best for small businesses"
What do you like best about Xero?

Xero is a fully-featured, yet simple to use, financial accounting platform explicitly designed for small businesses.

What do you dislike about Xero?

Not a lot to dislike, both product quality and customer support are excellent.

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

Having Xero as the core financial accounting product allows use of very specific integrated tools from best-of-breed suppliers through their ecosystem of partner products

Small Business (50 or fewer emp.)
Nov 30, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Integration with key apps makes this the best choice!"
What do you like best about Xero?

Integrates with apps like HubDoc and Gusto to allow for relatively seamless accounting and payroll workflow. Able to customize reports down to the order of how categories appear.

What do you dislike about Xero?

Nothing - it's a great product. Less glitchy than QBO.

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

Workflow integration with processing receipts from clients to attach to expenses, easy reporting and improved productivity with setting bank rules for recurring transactions.

Small Business (50 or fewer emp.)
Nov 25, 2021
 Source
Overall Rating:
5.0
SJ
Sheridan J.
D
Share
"Wouldn't consider any other options!"
What do you like best about Xero?

Xero takes accounting and really makes it as simple and user-friendly as possible. Good UI/UX, good resources for support, and lots of automation/integraiton options. Very happy Xero customer.

What do you dislike about Xero?

Xero does occasionally get a bit buggy and has technical issues - but this is the same for all platforms. I don't fault them for this, even though it can be frustrating at times.

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

I help my clients to manage their finances and cash flow. Xero is a must-have tool for all of my clients as it makes it easy to manage 'the rest of the finances'

Small Business (50 or fewer emp.)
Nov 24, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best Accounting Software"
What do you like best about Xero?

I love how easy it use to use and how clean the look is. Great support team if you need any help it has improved my workload and helped me manage many of my clients all works all in one place

What do you dislike about Xero?

At the moment there is not much but I would like to if Xero had a feature to add new pay items for payroll directly within payroll or if HMRC tax codes changes are always done I have realised it his a hit and miss at times

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

I am more productive with my work and can work from anywhere in the world. I love the MTD feature and the fact that you can directly submit VAT returns through Xero rather then going on to HMRC website.

Small Business (50 or fewer emp.)
Nov 24, 2021
 Source
Overall Rating:
5.0
EC
Emily C.
Administrator
Share
"Really easy to get along with Accounting software"
What do you like best about Xero?

Really easy interface that requires no training or accounting experience. Easy to create invoices, email them out and it has a clear dashboard that shows you everything you need at a glance.

What do you dislike about Xero?

There isn't much we don't like, but one of the few things that have been an annoyance is not being able to edit the format of the Customer Statement when using a standard branding theme. We enter a Customer PO number as well as our job reference in the Reference column and all that detail shows up fine on the invoice itself but when you produce a PDF statement for a client, it truncates the width of that column and therefore doesn't display all this detail which isn't helpful when a customer is reviewing their statement, we have to export the data and produce this ourselves in XLS.

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

Easy quick accounting, fast VAT return submission, access from anywhere

Small Business (50 or fewer emp.)
Nov 19, 2021
 Source
Overall Rating:
5.0
CP
Caroline P.
President
Share
"I recommend Xero to everyone!"
What do you like best about Xero?

Xero is the best platform for anyone with a business, small or large!

What do you dislike about Xero?

Nothing! Xero is the best accounting platform out there. None of the others can hold a candle to it.

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

I have been able to handle all of my business invoicing and balance my checking accounts and credit cards seamlessly. The ease of use in comparison to other accounting software is amazing.

Small Business (50 or fewer emp.)
Nov 16, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Critical for business management"
What do you like best about Xero?

Intuitive for people with basic accounting knowledge. Easy to view key reports, which is vital for management. The ability to drill down into more detail is very helpful. Automatically linking accounts and credit cards saves a lot of time. Very powerful and comprehensive accounting tool.

What do you dislike about Xero?

Creating reports can be tricky. The product is designed for people experienced with accounting and some parts may be confusing.

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

Detailed accounting data is critical for understanding business performance. Management can access key reports and data easily, while bookeeper can use the full features to structure and order accounting data.

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

Bank feeds, repeating invoices, ease of usage

What do you dislike about Xero?

Xero is very innovative so if there's anything you do not like, you can send in feedback

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

Eliminate data entry with Xero, and being able to integrate over 1000 add-ons

Small Business (50 or fewer emp.)
Nov 11, 2021
 Source
Overall Rating:
5.0
Kelvin L. avatar
Kelvin L.
Chief Technology Officer
Share
"Repeat Xero Customer - Using it for almost all my businesses!"
What do you like best about Xero?

How it makes accounting actually easy to understand for the layman. I have never studied accounting and I'm able to get a good understanding of how things work!

What do you dislike about Xero?

Nothing. This is the most complete accounting software that you can find.

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

Invoicing, bills payable, expense tracking, financial statements generation. Now my books are actually in order!

Small Business (50 or fewer emp.)
Nov 09, 2021
 Source
Overall Rating:
5.0
Vuyile M. avatar
Vuyile M.
Managing Director
Share
"CEO"
What do you like best about Xero?

Seamless integration with all business accounts, seamless creation of invoices, quotes, bills, receipts

What do you dislike about Xero?

Difficulty integrating some settings, it requires you to have some technical skills.

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

Accounting

Enterprise (> 1000 emp.)
Nov 05, 2021
 Source
Overall Rating:
5.0
MA
Mou A.
Graphic Designer
Share
"Awesome Accounting Platform and easy to use!"
What do you like best about Xero?

Xero is exceptionally simple to utilize and adaptable. As a salesman it's overall quite simple to record costs. Can get to it anyplace and Xero joins with most bank making bank compromise quick and simple.

What do you dislike about Xero?

Hard to oversee contacts. In any case, since I have it ready for action it's going alright.

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

This works flawlessly when working away from our administrative center. I love having a day by day check out the business.

Mid Market (51-1000 emp.)
Nov 05, 2021
 Source
Overall Rating:
5.0
JW
Jackie W.
G
Share
"Easy money management"
What do you like best about Xero?

Xero provides clear information regarding transactions into and out of the account I manage. It allows me to place expenses exactly where they need to be in our organizational budget with ease.

What do you dislike about Xero?

I dislike that it can sometimes take a while for transactions to show up on the dashboard for reconciliation. I also wish they offered an "introduction to xero" tab for new users.

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

Xero allows myself and my organization to quickly identify where expenses and income belong within our budget. Xero also has the benefit of being able to include receipts when reconciling transactions.

Small Business (50 or fewer emp.)
Oct 26, 2021
 Source
Overall Rating:
5.0
JW
Jeffrey W.
Accountant
Share
"Xero is a great accounting solution for your small business"
What do you like best about Xero?

The bank feeds make bank reconciliations super easy. You can automate and repeat invoices, bills, journals. Also, it offers a lot of different integrations.

What do you dislike about Xero?

The bank feeds don't seem to work very well with some of the banks my clients use, so I have to export and import the bank transactions manually. It's still an easy process if the bank provides an OFX file type; it just takes longer. If the bank does not provide an OFX file type export, it takes even longer.

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

Xero is the best solution we have found for keeping accounting records.

Mid Market (51-1000 emp.)
Oct 20, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Best Accounting Software"
What do you like best about Xero?

Best part of using xero is we can easily reconcile bank by find & match options if we use another softwares like dext to keep our AP and AR reconciliation.

What do you dislike about Xero?

Xero lacks to keep Inventory for livestock.

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

Best part using xero is handy to use and can keep all records cloud based

Small Business (50 or fewer emp.)
Oct 06, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great accounting solution for small business"
What do you like best about Xero?

Xero is cheaper than most other online accounting solutions. The UI is clean and easy to use. Easy to integrate with GoCardless and other billing providers.

What do you dislike about Xero?

Reconciling accounts doesn't have the smartest auto-fill, and you often have to re-enter a lot of data when reconciling a lot of items at once.

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

I am managing the accounting system for my small business. It's saved me hours with a simple UX and integrating with my other tools.

Small Business (50 or fewer emp.)
Oct 05, 2021
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"The only truly cloud native"
What do you like best about Xero?

Xero has been pushing how accountants and small business owners keep the books and grow their businesses for the past 10-15 years. They are an OPEN platform designed to be the hub of the financial wheel and integrate with all of the other financial tools you may need to use.

What do you dislike about Xero?

Even though they are at the forefront of technology in accounting, minor issues have survived unfixed.

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

Xero brings peace of mind for the small business owner. Knowing your financial info is in order provides owners with the confidence to work to grow their business