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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 29, 2026
Xero Accounting Software logo
631 Xero Reviews
4.4 out of 5
Small Business (50 or fewer emp.)
Nov 27, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero makes bookkeeping simple and less time consuming! "
What do you like best about Xero?

Xero not only has a fantastic platform that is easy to use thanks to their instructions, but their customer service is also outstanding!

What do you dislike about Xero?

The app on my iPad has been a little buggy since I updated IOS.

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

It saves me a lot of time and since using Xero my revenue has increased. I love watching my grow- literally- on their graphs!

Small Business (50 or fewer emp.)
Nov 16, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero for Invoicing"
What do you like best about Xero?

Easy to use platform, can work around it even without tutorial

What do you dislike about Xero?

I have not tried contacting their support yet, that means no issues so far using Xero :)

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

Can run report of what our most profitable product is

Small Business (50 or fewer emp.)
Nov 14, 2017
 Source
Overall Rating:
5.0
DG
David G.
President
Share
"Amazing accounting application"
What do you like best about Xero?

It's cloud accounting, bank and credit card feeds, great support, intuitive, has a huge number of third party apps to integrate with. A large number of reports available, easy to use, built for the Internet from scratch. Allows tracking for projects, giving P&L for all projects. Bank Rules save a huge amount of bookkeeping time.

What do you dislike about Xero?

Good, but not great with inventory, but has great apps to link with. Internal Payroll Processing needs to be better.

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

Auto bank feeds eliminate data entry for almost all transactions. Bank Rules cut down on reconciling bank and credit card accounts.

Small Business (50 or fewer emp.)
Oct 26, 2017
 Source
Overall Rating:
5.0
James S. avatar
James S.
Director
Share
"Excellent small business hosted accounting"
What do you like best about Xero?

Bank reconciliations, integrations and super integration

What do you dislike about Xero?

Doesn't allow multiple companies under a single account.

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

Accounts

Small Business (50 or fewer emp.)
Oct 26, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Perfect accounting system for consulting business"
What do you like best about Xero?

Super easy to invoice and track expenses.

What do you dislike about Xero?

Sales tax treatment in Canada is not very elegant.

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

Billing, expense tracking, financials.

Mid Market (51-1000 emp.)
Oct 19, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"BEST cloud accounting software ever"
What do you like best about Xero?

I love the value of Xero. You can do so much in it and it has an amazing ecosystem of apps that integrate with Xero. There is a lot of flexibility/functionality with Xero.

What do you dislike about Xero?

As a Canadian user, we do see some limitations how xero functions. For example, we cannot create a CSV direct from xero to upload to our bank to create an EFT/ACH.

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

We are able to handle the "plumbing"of accounting, meaning its something thats in the background and just works.

Small Business (50 or fewer emp.)
Oct 08, 2017
 Source
Overall Rating:
5.0
JC
Jose Vega C.
President
Share
"Ease of setup beat quicken and quickbooks."
What do you like best about Xero?

It actually sync effortlessly, without duplicate records, manual uploads and all the other glitches I had with quicken.

What do you dislike about Xero?

price is a little too high for very small businesses.

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

easy and automated categorizing of expenses.

Small Business (50 or fewer emp.)
Sep 19, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Brilliant invoicing platform!"
What do you like best about Xero?

Xero is a super user friendly platform that allows me to invoice all our customers with ease

What do you dislike about Xero?

The api for xero can sometimes be difficult but it’s mostly ok

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

Xero streamlines the invoicing process of our business

Small Business (50 or fewer emp.)
Aug 10, 2017
 Source
Overall Rating:
5.0
RH
Ross H.
Lecturer In Forensic Science (Variable Hours)
Share
"Xero is a great bit of kit"
What do you like best about Xero?

Integration with banking systems which promote easy account reconciliation.

What do you dislike about Xero?

The user interface is "big" and wasteful of space.

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

Remote working; Xero provides us the facility to access our accounting over the cloud. This works seamlessly when working away from our head office.

Mid Market (51-1000 emp.)
Aug 01, 2017
 Source
Overall Rating:
5.0
JM
John M.
Senior Solutions Advisor (Sales)
Share
"Great accounting product - simple and easy to use. "
What do you like best about Xero?

As a sales person it's nice and easy to record expenses

What do you dislike about Xero?

Easy to make a mistake in not submitting your expenses and you aren't notified if you have not yet done that.

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

Expenses

Small Business (50 or fewer emp.)
Jul 29, 2017
 Source
Overall Rating:
5.0
Tertius G. avatar
Tertius G.
Founder / Ceo
Share
"Sit back, Relax and let XERO run your Accounting from A-Z"
What do you like best about Xero?

I like using Xero Accounting for the following reasons: 1. It's Easy to use, understand or grasp even though I'm not a CA. 2. Integration with almost any platform you can think of, seamlessly. 3. I like blue. 4. It's online, no backup issues, server crashing, tape backups, all my data is where it's supposed to be. 5. Templates for any documentation you can think of, even the emails sent out to your clients happens smoothly, whether they are sent manually, automated yearly, monthly, daily etc. 6. After 5 years, I'm still the happiest pig around.

What do you dislike about Xero?

The mobile application can include more features, but since I'm a developer. I know that the mobile application space will eventually move back to the cloud anyway.

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

My auditors phoned me up near the end of my company's first year in business. They needed my accounting history, whether it's receipts, little notepads lying around invoices made by hand etc. I browsed to www.xero.com and added my auditor to my company as an accountant with read-only access. Xero sent them an invitation to which they could create their own password and BANG. 15 minutes later my audit was done with the results requested.

Small Business (50 or fewer emp.)
Jun 30, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to use"
What do you like best about Xero?

The 2 best features are that it is easy for non-accountants to use and it is cloud based. Clients like being able to call and I can log in and see exactly what they are seeing.

What do you dislike about Xero?

The biggest challenge for me was the conversion from QuickBooks to Xero if the accounts payable and accounts receivable were not cleaned up prior to conversion.

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

Quick real-time access for clients to their financials and for their accountants to also have real-time access has been wonderful. No more transferring huge QuickBooks back up files on thumb drives months after the most recent close of a month.

Small Business (50 or fewer emp.)
Jun 18, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Beautiful and streamlined"
What do you like best about Xero?

Beautiful, easy to use, automatically syncs with bank accounts, easy to get started. The bank reconciliation feature is incredible, and the visual history of bank accounts is extremely useful.

What do you dislike about Xero?

Xero is still in development and missing some features, and the product support team is very inefficient at answering queries. There is no option to automatically send invoices out at a certain time. Payroll is slightly clunky.

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

We've streamlined our accounting department and made our accounts visible, and our accounts team accountable. It's greatly simplified working with our external accountants, as they can just log in and have all our information, rather than having to export a huge report at the end of the year.

Small Business (50 or fewer emp.)
May 02, 2017
 Source
Overall Rating:
5.0
Daniela B. avatar
Daniela B.
Account Strategist
Share
"Best online software for accounting purposes! Better than any other one out there"
What do you like best about Xero?

- Web based so I can access this anytime, anywhere - Great, reasonable and affordable price even for a small business - Over 400 add ons such as Expensify, HubDoc, Square, Stripe, PayPal, among others - User friendly, it is easy to navigate throughout the website once you have set up your account. - Great customer service - If you don't understand something, there is always someone you can contact

What do you dislike about Xero?

I haven't found anything too significant that's negative in Xero, but some add-ons do cost an additional fee. Also, the fact that it is web-based is a huge benefit but can sometimes play against you. If you need to check something on account, you are required to be connected to the internet otherwise the software will not work.

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

Easier, faster and more reliable invoices and quotes. Easy to use so our whole staff can use it. It's all online so when we send invoices or quotes to our clientes they are able to approve, and pay online without a problem. Often times our clients ask us about Xero, and we gladly recommend it to them.

Small Business (50 or fewer emp.)
Feb 11, 2017
 Source
Overall Rating:
5.0
AV
Andrew V.
Business Coach
Share
"Xero is golden"
What do you like best about Xero?

What I like best is the unlimited user capability for no extra charge. It is also convenient to have multiple people logged in at the same time. This allows people to be using it in the field as well as the bookkeeper in the office.

What do you dislike about Xero?

The phone app is not as expansive or fully functional as I would like. It can be used but not the best. It is sometimes easier to log in through my phones web browser than through the app.

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

I use this program for the bookkeeping part of my business. My clients find it easy to use and very intuitive. I also find it much easier to get things done with then the other bookkeeping apps and programs that are out there.

Small Business (50 or fewer emp.)
Jan 15, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great Small Business Accounting Software"
What do you like best about Xero?

Awesome user interface to help with accounting. I like that they integrate directly with many different banks and the can pull in a live-feed. For the price, you can't beat it.

What do you dislike about Xero?

The invoicing templates could use more flexibility so that I could potentially create a fully customized invoice that would replicate what I do in Google Slides currently.

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

Every business needs to be able to have accurate accounting of expenses and cash flow in. Using Xero enables this because they directly integrate with my bank account so it makes it really easy.

Small Business (50 or fewer emp.)
Jan 11, 2017
 Source
Overall Rating:
5.0
Guy G. avatar
Guy G.
Director
Share
"Streamlines all company finances"
What do you like best about Xero?

Reconciliation with automatic bank feeds, submitting VAT returns, Financial Planning Integrating with Capsule CRM for customer set-up and account status

What do you dislike about Xero?

absolutely nothing, Xero nails our company finances!

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

Invoicing, Reconciliation, Tax positioning, chasing invoices, sending statements

Small Business (50 or fewer emp.)
Jan 06, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Fantastic!"
What do you like best about Xero?

I love the organization and ease of the entire program!

What do you dislike about Xero?

I would like more report filtering options.

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

Invoicing and POs

Small Business (50 or fewer emp.)
Jan 05, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero - is a Hero!"
What do you like best about Xero?

Easy to use and manage and environmentally friendly as there no paper trails to pick up. Staff costs is reduced as requires lesser manpower to get the job done

What do you dislike about Xero?

Nothing, the software is easy to use and available on all devices.

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

Helps with file sharing which was an issue in the past.

Small Business (50 or fewer emp.)
Jan 05, 2017
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Xero is a great alternative to QBO with many great features"
What do you like best about Xero?

The user friendly platform and accessibility

What do you dislike about Xero?

Not all the features it apps available to QBO are available on xero

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

We use xero as a solution for our clients when they want cloud based accounting but have reservations about QBO.

Small Business (50 or fewer emp.)
Dec 27, 2016
 Source
Overall Rating:
5.0
Jack B. avatar
Jack B.
Director
Share
"Excellent Tool"
What do you like best about Xero?

Allows me to view the financial position of my company at a glance (including converting invoices in foreign currencies) and plan cashflow which is vital to us as a new business. Raising invoices is simple, we've integrated with Stripe (super easy to set up) to allow customers to pay invoices by card which helps us take payments easily and quickly. VAT returns have gone from being a bit of a headache to a 30 second task and the Payroll system is much easier to use than the HMRC tool. Genuinely one of the best decisions we've made as a business to start using Xero.

What do you dislike about Xero?

Really nothing I can think of, every feature I have felt was missing since I started using it last year has been added since!

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

We previously used spreadsheets to track our finances (importing bank statements) which was becoming quite cumbersome as the company grew. Xero has allowed us to stay on top of our finances through fast growth, given us more up to date and accurate figures to work with and allowed us to collaborate more effectively with our accountants. There are a whole bunch of time saving features including automated bank feeds, rules for automatically coding transactions, payroll features and invoice reminders.

Small Business (50 or fewer emp.)
Dec 22, 2016
 Source
Overall Rating:
5.0
DH
Diana H.
Director, Professional Services
Share
"Efficiency with Xero"
What do you like best about Xero?

Xero has a clean, easy-to-understand interface that makes the learning curve short for new users. For accountants, it facilitates diagnosing and correcting client's mistakes. Xero has nice reporting which has recently been revised so that reports can be customized to fit a client's business. Reports can be downloaded in several formats which can be further manipulated in a spreadsheet application or sent as-is to the client.

What do you dislike about Xero?

My dislikes are more along the lines of needed enhancements. Cash coding allows for bulk classification of transactions, but needs some work to streamline its interface with contacts. Bank feeds are facilitated by Yodlee which frequently requires refreshing to keep transactions up to date. Both are minor annoyances that are far outweighed by the efficiencies that Xero brings to the accountant. I would also love to see an interface with popular tax prep products such as Drake or ATX.

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

Providing real time financial information to clients so they can make good business decisions. A big side benefit to my small business clients is the ability to target certain transaction timing to realize tax efficiencies and enhance tax planning capability.

Small Business (50 or fewer emp.)
Dec 19, 2016
 Source
Overall Rating:
5.0
Gabriela A. avatar
Gabriela A.
Business Development Manager
Share
"Sales & accounting for all types of businesses"
What do you like best about Xero?

Every day you discover something new with Xero. Not being an accountant and/or an IT person I was able to implement the software for three companies, working on implementing it for two more right now. Xero is easy to use and when you think you reached a dead end, there is always a solution.

What do you dislike about Xero?

Support is only available via email, which makes it harder to explain and for them to understand some issues. Sometimes a phone call is faster then 10 emails. Each company has its own peculiarities and explaining them by email makes it hard.

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

We were looking to change the software we were using to an updated, friendly-user and less expensive software, and we found all of that in Xero..

Small Business (50 or fewer emp.)
Dec 18, 2016
 Source
Overall Rating:
5.0
TH
Terry H.
Business Analyst & Director
Share
"I love using Xero"
What do you like best about Xero?

I like the simple look-and-feel of the system. Xero enables me to email invoices into the system and then enter the details another time. The dashboard quickly shows me the money I have available and any invoices I need to chase up. The VAT Return feature makes it very simple to calculate and submit my return - which could otherwise be quite time consuming.

What do you dislike about Xero?

I cannot think of anything that doesn't work how I would like it to in the main accounting system. The payroll system doesn't seem to be able to automatically update with changes to staff's tax codes, which seems like quite a basic requirement.

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

All businesses need accounts. This allows me to keep them up to date throughout the month.

Small Business (50 or fewer emp.)
Nov 16, 2016
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"very easy to use accounting software!"
What do you like best about Xero?

Xero is very easy to use, has a great user experience, and almost makes accounting a fun thing to do! Additional mobile apps make things like expense claims etc. very easy as well. Particularly for small businesses a great tool to do your own accounts and saving on having to hire too many accountants.

What do you dislike about Xero?

Can't really think of that much negatives, even though I could imagine in larger organisations there will be certain features that could be improved. For a small business it's great as is!

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

Doing our monthly accounts, expense claims, budget tracking etc. The main benefit is that you can do many things yourself (as a small business owner), and you can save on having to hire accountants

Small Business (50 or fewer emp.)
Oct 04, 2016
 Source
Overall Rating:
5.0
KM
Kristen Ashley M.
Artist & Owner
Share
"Easy Accounting"
What do you like best about Xero?

I like how user-friendly Xero is. I can categorize all my expenses using the app, very quickly and easily. I'm still learning the ins and outs of the detailed reports, but I like that I can run a report about basically anything.

What do you dislike about Xero?

There's not much I dislike. Other than the monthly fee :-) I guess the reports are a little tricky, but that's coming from someone with zero accounting experience.

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

I'm able to keep up with all of my income, expenses, assets, and liabilities as they occur. So come tax time, everything is already organized and ready to go.

Small Business (50 or fewer emp.)
Jul 27, 2016
 Source
Overall Rating:
5.0
JA
Jose Elias A.
Ceo
Share
"Xero is the best accounting system out there by far"
What do you like best about Xero?

Very smart system, super easy to use. Connections to accounts are seamless. Great reports

What do you dislike about Xero?

I do not dislike anything about Xero. Much better than my former "solution", Quickbooks

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

Keep my accounts under control. Tax reporting

Enterprise (> 1000 emp.)
Jun 02, 2016
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to Use!"
What do you like best about Xero?

Xero is incredibly easy to use. I really like the approving of transactions function.

What do you dislike about Xero?

The overall format is a little annoying.

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

Staying organized! Xero has helped me figure out where I am losing money in my biz and the areas that I can improve on.

Small Business (50 or fewer emp.)
May 10, 2016
 Source
Overall Rating:
5.0
NG
Nicki G.
Office Manager
Share
"Xero does the job!"
What do you like best about Xero?

Xero is very comprehensive and easy to use. After formerly using other online accounting software I was very pleased to switch over to Xero and find it so intuitive and user friendly.

What do you dislike about Xero?

There are some features of Xero that could be improved, including accessibilty to client payment history

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

By using this software we are able to easily track various bank accounts, A/R, A/P and cash flow.

Small Business (50 or fewer emp.)
Apr 13, 2016
 Source
Overall Rating:
5.0
Daniel M. avatar
Daniel M.
Vice President
Share
"Xero delivers as promised"
What do you like best about Xero?

Their UI is great and you get a great overview of your accounts from the dashboard without any hassle. It's easy to setup bank accounts and credits cards to sync and reconciling transactions is a breeze. I also love that you can use Word documents for Invoice and Quote templates instead of the built in template editor (which is limited, but still does the job in some cases). They have a lot of partner integrations available to. I am also using bill.com, and it syncs without any issues. Their mobile app, while missing a few features, makes it easy to manage and track my accounts on the go.

What do you dislike about Xero?

I would really like to be able to pay an expense through the bill.com integration, but only invoices are synced. The mobile app should offer the ability to view outstanding quotes.

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

I am able to track quotes, invoices, and expenses and make sure I get paid and pay the right people in time.