Xero Review
Verdict: Xero earns 4.4/5 from 8,700 reviews, ranking #4 of 5 accounting tools we track. It suits Small businesses & startups best. Unlimited users is its standout strength, while entry plan caps invoices is the main trade-off to weigh.
Our take on Xero
Xero is a modern, design-forward accounting platform popular outside the US, with unlimited users on every plan and strong bank reconciliation and app ecosystem.
Key features
- Unlimited users
- Bank reconciliation
- Invoicing
- 1000+ app integrations
- Financial reports
Pros & cons
Pros
- Unlimited users
- Clean modern UI
- Great app ecosystem
Cons
- Entry plan caps invoices
- US payroll via partners
Who Xero is for
A good fit if…
- • You are small businesses & startups.
- • Your use case is startups.
- • Your use case is multi-user teams.
- • Your use case is app-heavy stacks.
- • Unlimited users matters to you.
Look elsewhere if…
- • Entry plan caps invoices would be a dealbreaker.
- • US payroll via partners would be a dealbreaker.
Xero pricing
Full pricing breakdown →| Plan | Price | Per year |
|---|---|---|
| Early | $20/mo | $240 |
| GrowingPopular | $47/mo | $564 |
| Established | $80/mo | $960 |
How Xero compares
| Measure | Xero | Category average |
|---|---|---|
| Rating | 4.4/5 | 4.4/5 |
| Starting price | $20/mo | $27/mo |
| Rank by rating | #4 of 5 | — |
| Public API | Yes | 3 of 4 offer one |
Integrations
Alternatives to consider
All Xero alternatives →Bottom line on Xero
4.4/5 · Paid · best for Small businesses & startups
Frequently asked questions
Is Xero worth it?+
Xero is rated 4.4/5 across 8,700 reviews and is best suited to Small businesses & startups. Unlimited users is the standout strength; the main trade-off is entry plan caps invoices.
What do users like most about Xero?+
Unlimited users, Clean modern UI, Great app ecosystem.
What are the downsides of Xero?+
Entry plan caps invoices, US payroll via partners. Whether these matter depends on your use case — see who it is and isn't for above.
How much does Xero cost?+
Xero starts at $20/mo. See the full plan breakdown on our Xero pricing page.
How does Xero compare with other accounting tools?+
Among the 5 accounting tools we track, Xero ranks #4 by rating (4.4/5 vs a 4.4/5 category average).
What is Xero best used for?+
Startups, Multi-user teams, App-heavy stacks.